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Senior Handbook for the Class of 2016 BOLTON HIGH SCHOOL 7323 Brunswick Road, Arlington, TN 38002

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Page 1: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Senior Handbook

for the

Class of 2016

BOLTON HIGH SCHOOL 7323 Brunswick Road Arlington TN 38002

13 i13

Table of Contents 13 Planning13

Senior13 Year13 Checklist113 College13 Testing213 Senior13 Information313 Graduation13 Information13 helliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip613 Self-shy‐Assessment813 Senior13 Resumersquo1413 Letters13 of13 Recommendation1613

Processing13 College13 Search1713 College13 Quick13 Reference1913 Two-shy‐Year13 College13 Career13 Technical13

13 13 and13 Military13 Service2113 College13 Visit2513 Applying13 to13 College2913 Your13 College13 Decision3013 College13 Checklist3113

Paying13 Types13 of13 Financial13 Aid3313 Scholarship13 Search3713 Institutional13 Scholarships3913 TN13 PromiseTN13 Hopehelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip4113 FAFSA13 Step13 By13 Stephelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip4313

13 ii13

Reminders13 13

1 Know13 your13 personal13 information13 such13 as13 social13 security13 number13 complete13 home13 address13 PIN13 numbersUsernames13 GPA13 and13 ACT13 scores13 (and13 highest13 subscores)13

2 Know13 the13 collegesrsquo13 admissions13 requirements13 BEFORE13 applying13

3 Have13 a13 photo13 ID13 (State13 ID13 driverrsquos13 license)13 4 Take13 the13 ACT13 early13 and13 often13 (and13 prep13 for13 it)13 Dec13 is13 last13 test13 for13 institutional13 scholarships13

5 Keep13 a13 calendar13 with13 important13 deadlines13 for13 ACT13 registration13 admissions13 scholarships13 FAFSA13 TN13 Promise13

13 Notes13 to13 Self13 J13

13 113

FALL CHECKLIST 2015 _____Make sure Ms Sisk has your and your parentsrsquo e-mails (siskdbscsk12org) _____READ The Senior Message newsletter every week Check for scholarships open houses etc _____Visit colleges (3 college days for year) Attend FALL PREVIEW DAYS J Follow procedures _____Take the ACT in Sept Oct Dec(Early dates are used for scholarships to improve score) _____Get ACT test prep if you need to improve score See College Testing Info _____Complete a TN Promise Scholarship (2yr collegeCareer Technical school) application online BY NOVEMBER 2nd (deadline) wwwtnpromisegov _____Attend college fairs- Sept 28th-College Night at the Agri-center from 6-8 pm Sept 30th- Bolton College and Career Fair for parents and students-730am Oct 29th-Christian College Fair at Bellevue from 630-830pm _____Attend college rep sessions at school (Sign-up in guidance) _____Apply on-line to 3-7 collegesuniversitiestech schools Keep up with your Usernames and

passwords (VERY IMPORTANT) Choose a variety of publicprivate in-stateout-of-state Check out the Common Application

_____Send 6th semester transcript (which has all ACTSAT scores on it) AFTER you have submitted college application and paid application fee See procedure in Senior Information section

_____Give senior resumersquo to everyone who is writing recommendation letter or completing a rec form for you Allow two weeks for recommendations to be written _____Note deadlines for housing scholarships financial aid appl on your personal calendar phonehellip _____Bring Ms Sisk ALL college or military acceptance letters and scholarship award letters you receive (even if you will not attend that college or not accept scholarship) _____Set up college student e-mail acct using info on acceptance letter VERY IMPORTANT Your College will communicate with you through this e-mail system not through your personal one _____CSS Profile (additional financial aid document used by private more competitive colleges) will be available Oct 1st on-line wwwcollegeboardorg _____Complete collegersquos separate scholarship online applicationtab (if applicable) ExUTK UTChatt _____Complete a free on-line scholarship search research and apply by deadline _____Order optional graduation announce amp other supplies-Info mtg on Oct 29th-830am theatre _____Register for your FAFSA PIN (wwwpinedgov) BEFORE December Do not complete FAFSA application until JANUARY 1st 2016 and BEFORE Feb 1st _____Have ONE parent register for their PIN BEFORE December (if they dont have one already _____Attend Parent Financial Aid Night-Tues Dec 1 2015 6-700pm in theatre _____Register for NCAA Clearinghouse (if playing Division I or II sports) wwwncaaclearinghouseorg send in transcript See Ms Sisk if you are Fee Waiver student

SPRING CHECKLIST 2016 _____Complete FAFSA with parents as soon as possible on Jan 1 2016 NOT BEFORE Jan 1st (wwwfafsaedgov) BEWARE of com or org websites (scams) Absolute deadline Jan 31st _____Send 7th semester transcript if college has requested it Keep your grades UP _____Order senior cap and gown in late Feb-March 2016 See details in Senior Info _____Check on-line (in student account) to verify college has received transcript housing deposit _____Finish bringing Ms Sisk ALL scholarship offers you receive (even if you donrsquot accept offer) _____Get SAR (Student Aid Report) from FAFSA website Colleges that you list on FAFSA will get an electronic copy SAR and will issue you a financial aid award letter in MidMar-Late April _____Make final choice of college by the deadline (May 1st-National Decision Day) and notify the other colleges via e-mail to admissions office that you will not attend _____Through your college student account register for college orientation and choose an early date for best Freshman class time choices Send in housing deposit _____Review your collegersquos financial aid award letter Sign and return to the college _____Keep up GPA because scholarships and final acceptance by college are based on your FINAL transcript _____Order your FINAL transcript in late April AND enjoy Baccalaureate and Graduation 2016

13 213

ACT13 Testing13 2015-shy‐201613 Dates13 amp13 Deadlines13 13

Test13 Date13 Registration13 Deadline13

Late13 Regist13 (+Late13 Fee)13

Sept13 1213 Aug13 713 Aug13 8-shy‐2113 Oct13 2413 Sept13 1813 Sept13 19-shy‐Oct13 213 Dec13 1213 Nov13 613 Nov13 7-shy‐2013 Feb13 613 Jan13 813 Jan13 9-shy‐1513 April13 913 Mar13 413 Mar13 5-shy‐1813 June13 1113 May13 613 May13 7-shy‐2013

All13 national13 tests13 are13 given13 at13 Bolton13 except13 Sept13 amp13 June13 13 June13 201613 is13 the13 final13 ACT13 to13 qualify13 for13 the13 HOPE13 Lottery13 (2113 on13 ACT13 or13 3013 GPA)13 13 To13 register13 go13 to13 wwwactstudentorg13 13 ACT13 (No13 writing)13 13 13 13 13 $395013 13 ACT13 Plus13 Writing13 $565013 13 Students13 on13 fee13 waiver13 may13 receive13 two13 ACT13 fee13 waivers13 (see13 counselor13 for13 waiver)13 13 13 SAT13 Testing13 Dates13 and13 Deadlines13 may13 be13 found13 at13 wwwcollegeboardorg13 13 ACT13 Test13 Prep13 1 Free13 online13 test13 prep13 at13 wwwactstudentorg13 wwwsparknotescom13 wwwnumber2com13 www4testscomact13 wwwkaptestcom13 wwwprincetonreviewcom13

2 Purchase13 test13 prep13 materials13 such13 as13 The13 Real13 ACT13 Prep13 Guide13 3 Attend13 free13 or13 fee-shy‐based13 test13 prep13 tutoring13 (fee-shy‐based13 at13 Singleton13 Community13 Center13 Jane13 Ross13 Tutoring13 Kaplan)13

13 313

CLASS OF 2016 SENIOR INFORMATION Bolton High School CEEB School Code 430-040

Graduation Requirements In order for a student to receive a diploma AND participate in graduation heshe must meet requirements as outlined in the Tennessee Diploma Project Plan A copy of the requirements is included on the back of the Senior Checklist Transcripts Transcripts are processed on Thursdays-From 10-2pm Plan ahead and submit your transcript request before this processing time because last minute requests cannot be processed quickly

1 To order an official transcript students must complete their Transcript Request Card located (in small metal file) inside front door of guidance Your name is already on a card so find it in the alphabetical file Your ACTSAT scores are on your transcript

2 Electronic Transcripts-Students must use the Transcript Request Card to request electronic transcripts E-mailed requests will not be processed EX Students who use the Common Application Univ of Memphis Tiger Select application NCAA etc must fill out the Transcript request Card to order an electronic transcript

3 Students get their first transcript free and then must pay $6 each when ordering Cash or money order to Bolton HS Please have exact change Official transcripts are mailed directly to the college Please have the correct address to your collegersquos Admissions Office

4 Official transcripts are not given to students (unless submitting a scholarship packet) they must be mailed from BHS to your college Any transcript copy you receive in English class may not be sent to colleges

5 Your Final Official Transcript (upon graduation) will be sent free of charge to ONE school and you will request it when the counselors are in English classes in late April

College and Career Center The College and Career Center is located in room M212 which is across from guidance It is open to all students but Wednesdays in the fall are reserved as ldquoSenior Onlyrdquo days Students may complete online interest and career inventories research majors careers scholarships and colleges take an online campus tour complete college and scholarship applications The centerrsquos weekly hours will be posted in the SeniorJunior newsletter every week Students must have a hall pass from their teacher Hall Talk Session The counselors will meet with each student during their senior English class period Students will be prepared to discuss post high school plans with the counselor The counselor will give each student a Next Step Checklist which will help the student know what to do next Walk-In Wednesdays Every Wednesday the College and Career Center will be open for Senior for collegecareer research completing applications etc Students must have a Walk-In Wed hall pass (available in guidance) signed by their teacher Students may only attend during a study hall period or during a class which is NOT REQUIRED for graduation (or with the teacherrsquos permission College Visit Days BHS allows seniors 3 College Visit Days during your senior year (juniors are allowed 2 days) These days count as an ldquoexcused-field triprdquo and do not count against your exam exemption if you follow the correct procedure Go online on the college website and register for a visit day At the end of

13 413

your tour get confirmation of your college visit from the admissions staff on college letterhead Not acceptable-business cards of admissions rep college booklets Faxes parent notes and e-mails are also not accepted Bring this confirmation letter to your first period teacher and the teacher will submit it to attendance No college visits will be allowed the day before prom or in the month of May (unless approved by an administrator) Recommendation Letters (LOR-Letter of Recommendation) Please submit your UPDATED Senior Resumersquo to your English teacher by the teacherrsquos deadline or directly to guidance It is a required document for a recommendation request A counselor requires a senior resumersquo before writing an LOR You should choose teachers (within the past two years) who know you best You should provide a copy of your Senior Resumersquo to everyone who writes a recommendation letter for you Please give as much notice as possible (2+weeks) when requesting a letter of recommendation A quickly written letter of rec is generally not one that you want to have sent on your behalf ScholarshipsFinancial Aid 1 Read your Senior Message and listen to morning announcements for scholarship info 2 The Hope Lottery Scholarship is for use at TN colleges ONLY Students must have a 30 GPA

OR 21 ACT The amount varies 4 year colleges freshman and sophomore years (1750 per semester) and junior and senior year (2250 per semester) +$1000 per year if you have a 375 (can be weighted) AND a 29 ACT MORE info at wwwcollegepaystnorg

2 year colleges- $1000 per semester for three semesters a year (incl Summer) 3 Complete a free on-line scholarship search and apply for national scholarships (more info listed) 4 Look for scholarships available through school communitychurch local organizations parentrsquos

employer Applying for scholarships begins in the fall through the spring 5 Attend Financial Aid Night with parent on Tuesday Dec 1st from 6-700pm in theatre College Rep Visits at Bolton College recruiters and military recruiters will visit BHS throughout the school year Seniors who meet the collegersquos admissions requirements are encouraged to attend but must make up missed work Students may not attend if they are testing or failing a course Students must come to guidance to sign up at least two days prior to the session Students may only attend 3 sessions per semester unless approved by Ms Sisk or Mr Smith Parents are also encouraged to attend these sessions (sign-in at main office) ACT and SAT Testing Dates for the ACT and SAT are posted in Senior English classes on the guidance bulletin boards and on-line Students must register on-line at wwwactstudentorg For SAT I and II tests you must register on-line at wwwcollegeboardorg13 Colleges will use the highest ACT or SAT score posted on your transcript Remember to put the BHS CEEB school code on your registration form 430-040 Bolton administers the ACT on four national test dates (not Sept and June) Our ACT testing center code is 165790 ASVAB Testing Students who are entering into the military (ROTC uses ACT) are required to take the ASVAB test This free test will be given at Bolton twice a year on Sept 23rd and late Feb Be careful about repeatedly taking this test for the most recent ASVAB score is the score that is used not necessarily the highest score but the score on the most recent ASVAB Sign up in guidance

13 513

NCAA Clearinghouse ANY senior that plans on participating in athletics at a Division I or II college or university MUST be eligible through the NCAA Clearinghouse You must go to the website httpsweb1ncaaorgeligibilitycentercommon Complete the application and request a transcript from guidance A transcript will be sent then and after graduation Fee waivers are given to ACT fee waiver students so see Ms Sisk if you qualify All ACT scores should be sent directly to NCAA (code 9999)-Add this code when your register for the ACT College Acceptance Letters and Scholarship Award Letters Please bring ALL letters to Ms Sisk or Mr Smith in Guidance or send them electronically via e-mail We will make a copy and return the original to you We need copies of all offers even if you do not plan to attend that specific college OR if you do not plan to accept a scholarship offering This information is VERY IMPORTANT for several reasons 1 We want to celebrate with you in your accomplishments (Friday Senior Announcement and Senior Banner Board) 2 This is the ONLY way to make sure these accomplishments (scholarships) are recognized in the Graduation Program 3 This information is needed for both district and state reports Senior Yearbook Deadlines Holland Senior Portrait Deadline Oct 25th Senior Ad $$ amp Contract Deadline Oct 9th

Baby Picture Deadline Nov 6th Senior Ad Picture + Message Deadline Nov 13th Yearbook Cost TBA Graduation Invitations Invitations and other graduation supplies may be purchased (optional) through Balfour A deposit of approx $60 will be required when you place your order An informational meeting will be on October 29th in the theatre At (830am girls and boys will follow) Caps and Gowns Caps and Gowns will be ordered second semester before spring break Approx $90 is required with your order No fee waivers are available for this optional event The cap gown and stole are kept by the student All gowns are Bolton blue Diplomas Diplomas will be printed using your legal name (middle initial only) printed on your birth certificate If this name is incorrect CHANGE IT NOW After you legally change your name bring a copy of your birth certificate to Mrs Cupples in attendance so the school can change your records Graduation Activities ALL events are at Bellevue Baptist Church Guidelines for acceptable dress will be given to students prior to graduation Baccalaureate Graduation Rehearsal Graduation Optional event Required for grad Ceremony Optional event Sun May 15 2016 Fri May 20 2016 Sat May 21 2016 Time 400pm Time 730 am (morning) Time 300 pm Wear cap and gown Wear Bolton shirt (dress code) Cap and Gown PROJECT GRADUATION WILL BE SAT MAY 20th FROM 11PM-5AM ALL NIGHT GAMES FOOD AND PRIZES

13 613

Requirements13 for13 Students13 Beginning13 High13 School13 in13 Fall13 200913

Total13 Credits13 Required13 2213

Math13 413 Credits13 13 -shy‐13 Including13 Algebra13 I13 II13 Geometry13 and13 a13 fourth13 higher13 level13 math13 course13

Science13 313 Credits13 -shy‐13 Including13 Biology13 Chemistry13 or13 Physics13 and13 a13 third13 lab13 course13

English13 413 Credits13

Social13 Studies13 313 Credits13

Physical13 Education13 And13 Wellness13 1513 Credits13

Personal13 Finance13 0513 Credits13

Foreign13 Language13 213 Credits13 Fine13 Arts13 113 Credit13 -shy‐13 May13 be13 waived13 for13 students13 not13 going13 to13 a13 University13 to13 expand13 and13 enhance13 the13 elective13 focus13

Elective13 Focus13 313 Credits13 -shy‐13 Math13 and13 Science13 Career13 and13 Technical13 Education13 Fine13 Arts13 Humanities13 Advanced13 Placement13 (AP)13 or13 International13 Baccalaureate13 (IB)13

13

13 713

13

Diploma13 amp13 Seal13 Options13 Requirements13 Regular13 SCS13 Diploma13 2213 units13 of13 specified13 credits13 Capstone13 recommended13

13 13

bull English13 413 units13 (taken13 sequentially)13 bull Mathematics13 413 units13 (one13 year13 of13 math13 in13 grades13 9-shy‐1213 must13 complete13 Alg113 Alg213 Geo13 and13 a13 higher13 level13 math)13 13 bull Science13 313 units13 (Must13 complete13 Biology13 113 Chemistry13 or13 Physics13 and13 a13 third13 level13 lab13 science13 in13 high13 school)13 bull Social13 Studies13 313 units13 (to13 include13 U13 S13 History13 Economics13 U13 S13 Government13 World13 History13 13 Geography)13 bull Wellness13 113 unit13 13 bull Physical13 Education13 0513 unit13 13 bull Personal13 Finance13 0513 unit13 bull Elective13 Focus13 -shy‐13 313 units13 13 bull Foreign13 Language13 (213 units13 of13 the13 same13 language13 while13 in13 high13 school)13 bull Fine13 Arts13 113 unit13 13 bull Computer13 Education13 ndash13 113 year13 of13 computer13 education13 during13 studentrsquos13 educational13 career13

Special13 Education13 Diploma13

13

Awarded at the end of the fourth year of high school to students with disabilities who have bull Not met the requirements for a regular SCS high school diploma bull Successfully completed an Individual Education Plan (IEP) bull Satisfactory records of attendance and conduct

Note Students who receive a Special Education Diploma may13 continue13 to13 work13 towards13 the13 high13 school13 diploma13 through13 the13 end13 of13 the13 school13 year13 in13 which13 they13 turn13 twenty-shy‐two13 years13 old

Tennessee13 Graduate13 13 With13 Honors13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must score13 at13 or13 above13 all13 of13 the13 subject13 area13 readiness13 benchmarks13 on13 the13 ACT13 (or13 equivalent13 scores13 on13 SAT)13

bull English13 1813 13 13 13 13 13 13 13 13 13 13 bull Reading13 2213 13 13 13 13 13 13 13 13 13 bull Math13 2213 13 13 13 13 13 13 13 13 13 bull Science13 2313 httpwwwactorgsolutionscollege-shy‐career-shy‐readinesscollege-shy‐readiness-shy‐benchmarks13

13

Tennessee13 Graduate13 13 With13 Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must have a B average and at least of the following bull Earn a nationally recognized industry certification bull Participate in at least one of the Governorrsquos Schools bull Participate in one of the statersquos All State musical organizations bull Be selected as a National Merit Finalist or Semi-Finalist bull Attain a composite score of 31 or higher on the ACT or 1360 on the SAT bull Attain a score of 3 or higher on at least two advanced placement exams bull Successfully complete the International Baccalaureate Diploma Programme bull Earn 12 or more semester hours of transcripted postsecondary credit

Tennessee13 Graduate13 13 With13 Honors13 and13

Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements13 student13 must13 meet13 requirements13 for13 both13 Tennessee13 Honors13 and13 Tennessee13 Distinction13

Designation13 of13 Exemplary13 Recognition13 (in13 addition13 to13 meeting13 regular13 SCS13 diploma13 requirements)13 13 This13 special13 recognition13 will13 be13 printed13 on13 the13 diploma13 and13 the13 transcript13 for13 any13 student13 who13 qualifies13 13

bull Must13 have13 earned13 twelve13 (12)13 Honors13 or13 Advanced13 Placement13 credits13 (any13 combination)13 in13 Grades13 913 -shy‐1213 or13 a13 combination13 of13 such13 credits13 totaling13 twelve13 (12)13 with13 each13 Advanced13 Placement13 credit13 equal13 to13 1513 honors13 credits13 13

bull A13 minimum13 of13 two13 (2)13 Honors13 or13 Advanced13 Placement13 courses13 is13 required13 during13 the13 senior13 year13 13 13 bull Designation13 of13 Exemplary13 Recognition13 will13 be13 printed13 on13 the13 diploma13 and13 final13 high13 school13 transcript13 for13 qualified13 students13

s

hel

by co

unty schools

EST 1867

s

hel

by co

unty schools

EST 1867

13 813

Planning13 13 Your13 Future13 13 13 13 13 Once13 upon13 a13 timehappily13 ever13 after13 13 The13 dots13 in13 the13 middle13 represent13 your13 life13 up13 to13 now13 13 This13 year13 a13 new13 phase13 of13 your13 life13 begins13 and13 we13 hope13 it13 leads13 to13 ldquohappily13 ever13 afterrdquo13 13 What13 does13 happily13 ever13 after13 look13 like13 13 That13 of13 course13 is13 different13 for13 each13 student13 and13 that13 is13 where13 your13 hard13 work13 will13 pay13 off13 13 It13 is13 comforting13 to13 know13 that13 you13 can13 affect13 this13 outcome13 and13 in13 many13 cases13 it13 is13 directly13 tied13 to13 the13 work13 that13 you13 do13 now13 and13 the13 time13 you13 invest13 now13 in13 planning13 your13 future13 13 We13 look13 forward13 to13 walking13 this13 path13 with13 you13 13 The13 School13 Counseling13 Department13 including13 the13 Grade13 Level13 Counselor13 the13 College13 and13 Career13 Counselor13 the13 IB13 Counselor13 and13 the13 Administrative13 Staff13 is13 ready13 to13 help13 you13 carry13 out13 your13 plans13 and13 achieve13 your13 post13 high13 school13 goals13 13 Letrsquos13 get13 started13 13 Be13 prepared13 for13 one13 of13 the13 busiest13 times13 of13 your13 life13 13 This13 booklet13 will13 give13 you13 information13 on13 each13 of13 the13 steps13 listed13 below13 13 Each13 one13 is13 needed13 as13 you13 develop13 your13 plan13 for13 your13 ldquoever13 afterrdquo13 13 13 13 13 13 113 13 Take13 a13 self-shy‐assessment13 and13 or13 interest13 inventory13 to13 help13 you13 set13 realistic13 13 13 13 13 13 13 13 13 13 goals13 13 213 13 Develop13 or13 update13 your13 resume13 13 313 13 Research13 3-shy‐513 post13 high13 school13 opportunities13 including13 colleges13 military13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 world13 or13 work13 apprenticeship13 and13 training13 programs13 13 413 13 Have13 a13 realistic13 conversation13 with13 your13 parents13 about13 your13 financial13 needs13 13 13 13 13 13 13 13 and13 or13 capabilities13 13 Do13 you13 need13 to13 work13 and13 go13 to13 school13 13 Do13 you13 need13 13 13 13 13 13 13 13 scholarships13 13 Do13 you13 qualify13 for13 need-shy‐based13 scholarships13 such13 as13 the13 Pell13 13 13 13 13 13 13 13 Grant13 13 Can13 your13 parents13 provide13 all13 financial13 assistance13 needed13 to13 finance13 13 13 13 13 13 13 13 the13 next13 phase13 of13 your13 life13 13 513 13 Research13 scholarship13 databases13 to13 determine13 criteria13 and13 if13 you13 qualify13 13 613 13 Make13 copies13 of13 everything13 you13 do13 and13 set13 up13 an13 organized13 system13 to13 track13 13 13 13 13 13 13 13 applications13 and13 other13 materials13 required13 to13 accomplish13 your13 goal13 13 713 13 Be13 aware13 of13 deadlines13 for13 applications13 college13 entrance13 tests13 preview13 days13 13 13 13 13 13 13 13 financial13 aid13 and13 job13 applications13 13 813 13 Begin13 asking13 teachers13 employers13 clergy13 coaches13 or13 other13 significant13 13 13 13 13 13 13 13 13 13 adults13 to13 write13 letters13 of13 recommendation13 you13 may13 need13 9 Complete13 and13 submit13 the13 FAFSA13 (Free13 Application13 for13 Federal13 Student13 Aid)13 13 13 13 13 13 13 13 as13 soon13 as13 possible13 on13 January13 113 201613 13 Priority13 Deadline13 13 131201613 13 13 13 13 13 13 13 13

13 913

Planning13 13 Things13 to13 Consider13 13 13 13 Going13 to13 college13 is13 one13 of13 the13 options13 available13 to13 you13 as13 you13 pursue13 your13 career13 plans13 13 A13 certain13 amount13 of13 planning13 is13 required13 13 Part13 of13 that13 planning13 has13 already13 taken13 place13 in13 the13 courses13 you13 selected13 for13 high13 school13 and13 the13 grades13 you13 made13 in13 each13 13 Choosing13 a13 college13 is13 a13 serious13 decision13 but13 you13 also13 want13 to13 enjoy13 the13 process13 and13 enjoy13 your13 senior13 year13 13 It13 is13 just13 one13 of13 a13 series13 of13 decisions13 that13 will13 help13 you13 move13 toward13 your13 goals13 13 Be13 calm13 and13 businesslike13 in13 your13 approach13 and13 avoid13 stress13 and13 a13 frantic13 approach13 13 You13 are13 doing13 something13 positive13 and13 you13 should13 enjoy13 it13 13 Here13 are13 a13 few13 hints13 to13 help13 you13 make13 this13 important13 decision13 13 1 13 Know13 yourself13 well-shy‐your13 strengths13 weaknesses13 likes13 dislikes13 hopes13 and13 dreams13 13 We13 have13 included13 some13 questions13 below13 to13 help13 you13 develop13 a13 clear13 picture13 13 You13 must13 also13 understand13 and13 accept13 the13 impact13 of13 your13 grades13 and13 test13 scores13

2 13 Research13 your13 options-shy‐there13 are13 several13 different13 paths13 that13 can13 lead13 to13 the13 same13 goal13 13 If13 you13 do13 not13 have13 the13 academic13 record13 that13 allows13 you13 to13 pursue13 your13 first13 option13 make13 another13 plan13 to13 reach13 your13 eventual13 goal13 13 Do13 not13 let13 past13 decisions13 dictate13 your13 path13

3 13 Make13 sure13 you13 are13 communicating13 with13 all13 the13 people13 who13 are13 important13 to13 this13 decision13 making13 process13 13 That13 includes13 parents13 grandparents13 counselors13 teachers13 friends13 college13 reps13 and13 financial13 aid13 experts13 13 Use13 all13 the13 resources13 available13 to13 you13

4 13 Choose13 where13 you13 will13 apply13 and13 attend13 college13 13 Every13 school13 has13 both13 positive13 and13 negative13 factors13 13 You13 must13 choose13 from13 the13 available13 possibilities13 that13 are13 best13 suited13 for13 you13

13 What13 do13 Colleges13 look13 for13 in13 a13 student13 13 1 13 Your13 academic13 record13 is13 your13 introduction13 to13 the13 college13 admissions13 staff13 13 They13 will13 consider13 the13 difficulty13 and13 variety13 of13 the13 courses13 you13 took13 13 Senior13 grades13 and13 courses13 are13 important13

2 13 Standardized13 test13 scores-shy‐ACT13 13 SAT13 13 13 As13 you13 research13 colleges13 make13 note13 of13 the13 test13 required13 by13 each13 school13 13 Record13 the13 information13 on13 the13 spreadsheet13 and13 sign13 up13 for13 the13 correct13 tests13 for13 the13 colleges13 you13 are13 considering13 13 You13 should13 have13 all13 testing13 done13 by13 December13 of13 your13 Senior13 year13

3 13 Counselor13 and13 teacher13 recommendations13 are13 also13 important13 factors13 13 Provide13 each13 with13 a13 resume13 of13 your13 accomplishments13

4 13 Your13 non13 academic13 activities13 and13 accomplishments13 both13 in13 school13 and13 out13 5 13 You13 application13 form-shy‐present13 the13 best13 picture13 of13 yourself13 13 Be13 complete13 6 Who13 am13 I13 and13 what13 are13 my13 uniques13 interests13 aptitudes13 and13 skills13 13 13 13 13 13 13

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

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28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 2: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 i13

Table of Contents 13 Planning13

Senior13 Year13 Checklist113 College13 Testing213 Senior13 Information313 Graduation13 Information13 helliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip613 Self-shy‐Assessment813 Senior13 Resumersquo1413 Letters13 of13 Recommendation1613

Processing13 College13 Search1713 College13 Quick13 Reference1913 Two-shy‐Year13 College13 Career13 Technical13

13 13 and13 Military13 Service2113 College13 Visit2513 Applying13 to13 College2913 Your13 College13 Decision3013 College13 Checklist3113

Paying13 Types13 of13 Financial13 Aid3313 Scholarship13 Search3713 Institutional13 Scholarships3913 TN13 PromiseTN13 Hopehelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip4113 FAFSA13 Step13 By13 Stephelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip4313

13 ii13

Reminders13 13

1 Know13 your13 personal13 information13 such13 as13 social13 security13 number13 complete13 home13 address13 PIN13 numbersUsernames13 GPA13 and13 ACT13 scores13 (and13 highest13 subscores)13

2 Know13 the13 collegesrsquo13 admissions13 requirements13 BEFORE13 applying13

3 Have13 a13 photo13 ID13 (State13 ID13 driverrsquos13 license)13 4 Take13 the13 ACT13 early13 and13 often13 (and13 prep13 for13 it)13 Dec13 is13 last13 test13 for13 institutional13 scholarships13

5 Keep13 a13 calendar13 with13 important13 deadlines13 for13 ACT13 registration13 admissions13 scholarships13 FAFSA13 TN13 Promise13

13 Notes13 to13 Self13 J13

13 113

FALL CHECKLIST 2015 _____Make sure Ms Sisk has your and your parentsrsquo e-mails (siskdbscsk12org) _____READ The Senior Message newsletter every week Check for scholarships open houses etc _____Visit colleges (3 college days for year) Attend FALL PREVIEW DAYS J Follow procedures _____Take the ACT in Sept Oct Dec(Early dates are used for scholarships to improve score) _____Get ACT test prep if you need to improve score See College Testing Info _____Complete a TN Promise Scholarship (2yr collegeCareer Technical school) application online BY NOVEMBER 2nd (deadline) wwwtnpromisegov _____Attend college fairs- Sept 28th-College Night at the Agri-center from 6-8 pm Sept 30th- Bolton College and Career Fair for parents and students-730am Oct 29th-Christian College Fair at Bellevue from 630-830pm _____Attend college rep sessions at school (Sign-up in guidance) _____Apply on-line to 3-7 collegesuniversitiestech schools Keep up with your Usernames and

passwords (VERY IMPORTANT) Choose a variety of publicprivate in-stateout-of-state Check out the Common Application

_____Send 6th semester transcript (which has all ACTSAT scores on it) AFTER you have submitted college application and paid application fee See procedure in Senior Information section

_____Give senior resumersquo to everyone who is writing recommendation letter or completing a rec form for you Allow two weeks for recommendations to be written _____Note deadlines for housing scholarships financial aid appl on your personal calendar phonehellip _____Bring Ms Sisk ALL college or military acceptance letters and scholarship award letters you receive (even if you will not attend that college or not accept scholarship) _____Set up college student e-mail acct using info on acceptance letter VERY IMPORTANT Your College will communicate with you through this e-mail system not through your personal one _____CSS Profile (additional financial aid document used by private more competitive colleges) will be available Oct 1st on-line wwwcollegeboardorg _____Complete collegersquos separate scholarship online applicationtab (if applicable) ExUTK UTChatt _____Complete a free on-line scholarship search research and apply by deadline _____Order optional graduation announce amp other supplies-Info mtg on Oct 29th-830am theatre _____Register for your FAFSA PIN (wwwpinedgov) BEFORE December Do not complete FAFSA application until JANUARY 1st 2016 and BEFORE Feb 1st _____Have ONE parent register for their PIN BEFORE December (if they dont have one already _____Attend Parent Financial Aid Night-Tues Dec 1 2015 6-700pm in theatre _____Register for NCAA Clearinghouse (if playing Division I or II sports) wwwncaaclearinghouseorg send in transcript See Ms Sisk if you are Fee Waiver student

SPRING CHECKLIST 2016 _____Complete FAFSA with parents as soon as possible on Jan 1 2016 NOT BEFORE Jan 1st (wwwfafsaedgov) BEWARE of com or org websites (scams) Absolute deadline Jan 31st _____Send 7th semester transcript if college has requested it Keep your grades UP _____Order senior cap and gown in late Feb-March 2016 See details in Senior Info _____Check on-line (in student account) to verify college has received transcript housing deposit _____Finish bringing Ms Sisk ALL scholarship offers you receive (even if you donrsquot accept offer) _____Get SAR (Student Aid Report) from FAFSA website Colleges that you list on FAFSA will get an electronic copy SAR and will issue you a financial aid award letter in MidMar-Late April _____Make final choice of college by the deadline (May 1st-National Decision Day) and notify the other colleges via e-mail to admissions office that you will not attend _____Through your college student account register for college orientation and choose an early date for best Freshman class time choices Send in housing deposit _____Review your collegersquos financial aid award letter Sign and return to the college _____Keep up GPA because scholarships and final acceptance by college are based on your FINAL transcript _____Order your FINAL transcript in late April AND enjoy Baccalaureate and Graduation 2016

13 213

ACT13 Testing13 2015-shy‐201613 Dates13 amp13 Deadlines13 13

Test13 Date13 Registration13 Deadline13

Late13 Regist13 (+Late13 Fee)13

Sept13 1213 Aug13 713 Aug13 8-shy‐2113 Oct13 2413 Sept13 1813 Sept13 19-shy‐Oct13 213 Dec13 1213 Nov13 613 Nov13 7-shy‐2013 Feb13 613 Jan13 813 Jan13 9-shy‐1513 April13 913 Mar13 413 Mar13 5-shy‐1813 June13 1113 May13 613 May13 7-shy‐2013

All13 national13 tests13 are13 given13 at13 Bolton13 except13 Sept13 amp13 June13 13 June13 201613 is13 the13 final13 ACT13 to13 qualify13 for13 the13 HOPE13 Lottery13 (2113 on13 ACT13 or13 3013 GPA)13 13 To13 register13 go13 to13 wwwactstudentorg13 13 ACT13 (No13 writing)13 13 13 13 13 $395013 13 ACT13 Plus13 Writing13 $565013 13 Students13 on13 fee13 waiver13 may13 receive13 two13 ACT13 fee13 waivers13 (see13 counselor13 for13 waiver)13 13 13 SAT13 Testing13 Dates13 and13 Deadlines13 may13 be13 found13 at13 wwwcollegeboardorg13 13 ACT13 Test13 Prep13 1 Free13 online13 test13 prep13 at13 wwwactstudentorg13 wwwsparknotescom13 wwwnumber2com13 www4testscomact13 wwwkaptestcom13 wwwprincetonreviewcom13

2 Purchase13 test13 prep13 materials13 such13 as13 The13 Real13 ACT13 Prep13 Guide13 3 Attend13 free13 or13 fee-shy‐based13 test13 prep13 tutoring13 (fee-shy‐based13 at13 Singleton13 Community13 Center13 Jane13 Ross13 Tutoring13 Kaplan)13

13 313

CLASS OF 2016 SENIOR INFORMATION Bolton High School CEEB School Code 430-040

Graduation Requirements In order for a student to receive a diploma AND participate in graduation heshe must meet requirements as outlined in the Tennessee Diploma Project Plan A copy of the requirements is included on the back of the Senior Checklist Transcripts Transcripts are processed on Thursdays-From 10-2pm Plan ahead and submit your transcript request before this processing time because last minute requests cannot be processed quickly

1 To order an official transcript students must complete their Transcript Request Card located (in small metal file) inside front door of guidance Your name is already on a card so find it in the alphabetical file Your ACTSAT scores are on your transcript

2 Electronic Transcripts-Students must use the Transcript Request Card to request electronic transcripts E-mailed requests will not be processed EX Students who use the Common Application Univ of Memphis Tiger Select application NCAA etc must fill out the Transcript request Card to order an electronic transcript

3 Students get their first transcript free and then must pay $6 each when ordering Cash or money order to Bolton HS Please have exact change Official transcripts are mailed directly to the college Please have the correct address to your collegersquos Admissions Office

4 Official transcripts are not given to students (unless submitting a scholarship packet) they must be mailed from BHS to your college Any transcript copy you receive in English class may not be sent to colleges

5 Your Final Official Transcript (upon graduation) will be sent free of charge to ONE school and you will request it when the counselors are in English classes in late April

College and Career Center The College and Career Center is located in room M212 which is across from guidance It is open to all students but Wednesdays in the fall are reserved as ldquoSenior Onlyrdquo days Students may complete online interest and career inventories research majors careers scholarships and colleges take an online campus tour complete college and scholarship applications The centerrsquos weekly hours will be posted in the SeniorJunior newsletter every week Students must have a hall pass from their teacher Hall Talk Session The counselors will meet with each student during their senior English class period Students will be prepared to discuss post high school plans with the counselor The counselor will give each student a Next Step Checklist which will help the student know what to do next Walk-In Wednesdays Every Wednesday the College and Career Center will be open for Senior for collegecareer research completing applications etc Students must have a Walk-In Wed hall pass (available in guidance) signed by their teacher Students may only attend during a study hall period or during a class which is NOT REQUIRED for graduation (or with the teacherrsquos permission College Visit Days BHS allows seniors 3 College Visit Days during your senior year (juniors are allowed 2 days) These days count as an ldquoexcused-field triprdquo and do not count against your exam exemption if you follow the correct procedure Go online on the college website and register for a visit day At the end of

13 413

your tour get confirmation of your college visit from the admissions staff on college letterhead Not acceptable-business cards of admissions rep college booklets Faxes parent notes and e-mails are also not accepted Bring this confirmation letter to your first period teacher and the teacher will submit it to attendance No college visits will be allowed the day before prom or in the month of May (unless approved by an administrator) Recommendation Letters (LOR-Letter of Recommendation) Please submit your UPDATED Senior Resumersquo to your English teacher by the teacherrsquos deadline or directly to guidance It is a required document for a recommendation request A counselor requires a senior resumersquo before writing an LOR You should choose teachers (within the past two years) who know you best You should provide a copy of your Senior Resumersquo to everyone who writes a recommendation letter for you Please give as much notice as possible (2+weeks) when requesting a letter of recommendation A quickly written letter of rec is generally not one that you want to have sent on your behalf ScholarshipsFinancial Aid 1 Read your Senior Message and listen to morning announcements for scholarship info 2 The Hope Lottery Scholarship is for use at TN colleges ONLY Students must have a 30 GPA

OR 21 ACT The amount varies 4 year colleges freshman and sophomore years (1750 per semester) and junior and senior year (2250 per semester) +$1000 per year if you have a 375 (can be weighted) AND a 29 ACT MORE info at wwwcollegepaystnorg

2 year colleges- $1000 per semester for three semesters a year (incl Summer) 3 Complete a free on-line scholarship search and apply for national scholarships (more info listed) 4 Look for scholarships available through school communitychurch local organizations parentrsquos

employer Applying for scholarships begins in the fall through the spring 5 Attend Financial Aid Night with parent on Tuesday Dec 1st from 6-700pm in theatre College Rep Visits at Bolton College recruiters and military recruiters will visit BHS throughout the school year Seniors who meet the collegersquos admissions requirements are encouraged to attend but must make up missed work Students may not attend if they are testing or failing a course Students must come to guidance to sign up at least two days prior to the session Students may only attend 3 sessions per semester unless approved by Ms Sisk or Mr Smith Parents are also encouraged to attend these sessions (sign-in at main office) ACT and SAT Testing Dates for the ACT and SAT are posted in Senior English classes on the guidance bulletin boards and on-line Students must register on-line at wwwactstudentorg For SAT I and II tests you must register on-line at wwwcollegeboardorg13 Colleges will use the highest ACT or SAT score posted on your transcript Remember to put the BHS CEEB school code on your registration form 430-040 Bolton administers the ACT on four national test dates (not Sept and June) Our ACT testing center code is 165790 ASVAB Testing Students who are entering into the military (ROTC uses ACT) are required to take the ASVAB test This free test will be given at Bolton twice a year on Sept 23rd and late Feb Be careful about repeatedly taking this test for the most recent ASVAB score is the score that is used not necessarily the highest score but the score on the most recent ASVAB Sign up in guidance

13 513

NCAA Clearinghouse ANY senior that plans on participating in athletics at a Division I or II college or university MUST be eligible through the NCAA Clearinghouse You must go to the website httpsweb1ncaaorgeligibilitycentercommon Complete the application and request a transcript from guidance A transcript will be sent then and after graduation Fee waivers are given to ACT fee waiver students so see Ms Sisk if you qualify All ACT scores should be sent directly to NCAA (code 9999)-Add this code when your register for the ACT College Acceptance Letters and Scholarship Award Letters Please bring ALL letters to Ms Sisk or Mr Smith in Guidance or send them electronically via e-mail We will make a copy and return the original to you We need copies of all offers even if you do not plan to attend that specific college OR if you do not plan to accept a scholarship offering This information is VERY IMPORTANT for several reasons 1 We want to celebrate with you in your accomplishments (Friday Senior Announcement and Senior Banner Board) 2 This is the ONLY way to make sure these accomplishments (scholarships) are recognized in the Graduation Program 3 This information is needed for both district and state reports Senior Yearbook Deadlines Holland Senior Portrait Deadline Oct 25th Senior Ad $$ amp Contract Deadline Oct 9th

Baby Picture Deadline Nov 6th Senior Ad Picture + Message Deadline Nov 13th Yearbook Cost TBA Graduation Invitations Invitations and other graduation supplies may be purchased (optional) through Balfour A deposit of approx $60 will be required when you place your order An informational meeting will be on October 29th in the theatre At (830am girls and boys will follow) Caps and Gowns Caps and Gowns will be ordered second semester before spring break Approx $90 is required with your order No fee waivers are available for this optional event The cap gown and stole are kept by the student All gowns are Bolton blue Diplomas Diplomas will be printed using your legal name (middle initial only) printed on your birth certificate If this name is incorrect CHANGE IT NOW After you legally change your name bring a copy of your birth certificate to Mrs Cupples in attendance so the school can change your records Graduation Activities ALL events are at Bellevue Baptist Church Guidelines for acceptable dress will be given to students prior to graduation Baccalaureate Graduation Rehearsal Graduation Optional event Required for grad Ceremony Optional event Sun May 15 2016 Fri May 20 2016 Sat May 21 2016 Time 400pm Time 730 am (morning) Time 300 pm Wear cap and gown Wear Bolton shirt (dress code) Cap and Gown PROJECT GRADUATION WILL BE SAT MAY 20th FROM 11PM-5AM ALL NIGHT GAMES FOOD AND PRIZES

13 613

Requirements13 for13 Students13 Beginning13 High13 School13 in13 Fall13 200913

Total13 Credits13 Required13 2213

Math13 413 Credits13 13 -shy‐13 Including13 Algebra13 I13 II13 Geometry13 and13 a13 fourth13 higher13 level13 math13 course13

Science13 313 Credits13 -shy‐13 Including13 Biology13 Chemistry13 or13 Physics13 and13 a13 third13 lab13 course13

English13 413 Credits13

Social13 Studies13 313 Credits13

Physical13 Education13 And13 Wellness13 1513 Credits13

Personal13 Finance13 0513 Credits13

Foreign13 Language13 213 Credits13 Fine13 Arts13 113 Credit13 -shy‐13 May13 be13 waived13 for13 students13 not13 going13 to13 a13 University13 to13 expand13 and13 enhance13 the13 elective13 focus13

Elective13 Focus13 313 Credits13 -shy‐13 Math13 and13 Science13 Career13 and13 Technical13 Education13 Fine13 Arts13 Humanities13 Advanced13 Placement13 (AP)13 or13 International13 Baccalaureate13 (IB)13

13

13 713

13

Diploma13 amp13 Seal13 Options13 Requirements13 Regular13 SCS13 Diploma13 2213 units13 of13 specified13 credits13 Capstone13 recommended13

13 13

bull English13 413 units13 (taken13 sequentially)13 bull Mathematics13 413 units13 (one13 year13 of13 math13 in13 grades13 9-shy‐1213 must13 complete13 Alg113 Alg213 Geo13 and13 a13 higher13 level13 math)13 13 bull Science13 313 units13 (Must13 complete13 Biology13 113 Chemistry13 or13 Physics13 and13 a13 third13 level13 lab13 science13 in13 high13 school)13 bull Social13 Studies13 313 units13 (to13 include13 U13 S13 History13 Economics13 U13 S13 Government13 World13 History13 13 Geography)13 bull Wellness13 113 unit13 13 bull Physical13 Education13 0513 unit13 13 bull Personal13 Finance13 0513 unit13 bull Elective13 Focus13 -shy‐13 313 units13 13 bull Foreign13 Language13 (213 units13 of13 the13 same13 language13 while13 in13 high13 school)13 bull Fine13 Arts13 113 unit13 13 bull Computer13 Education13 ndash13 113 year13 of13 computer13 education13 during13 studentrsquos13 educational13 career13

Special13 Education13 Diploma13

13

Awarded at the end of the fourth year of high school to students with disabilities who have bull Not met the requirements for a regular SCS high school diploma bull Successfully completed an Individual Education Plan (IEP) bull Satisfactory records of attendance and conduct

Note Students who receive a Special Education Diploma may13 continue13 to13 work13 towards13 the13 high13 school13 diploma13 through13 the13 end13 of13 the13 school13 year13 in13 which13 they13 turn13 twenty-shy‐two13 years13 old

Tennessee13 Graduate13 13 With13 Honors13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must score13 at13 or13 above13 all13 of13 the13 subject13 area13 readiness13 benchmarks13 on13 the13 ACT13 (or13 equivalent13 scores13 on13 SAT)13

bull English13 1813 13 13 13 13 13 13 13 13 13 13 bull Reading13 2213 13 13 13 13 13 13 13 13 13 bull Math13 2213 13 13 13 13 13 13 13 13 13 bull Science13 2313 httpwwwactorgsolutionscollege-shy‐career-shy‐readinesscollege-shy‐readiness-shy‐benchmarks13

13

Tennessee13 Graduate13 13 With13 Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must have a B average and at least of the following bull Earn a nationally recognized industry certification bull Participate in at least one of the Governorrsquos Schools bull Participate in one of the statersquos All State musical organizations bull Be selected as a National Merit Finalist or Semi-Finalist bull Attain a composite score of 31 or higher on the ACT or 1360 on the SAT bull Attain a score of 3 or higher on at least two advanced placement exams bull Successfully complete the International Baccalaureate Diploma Programme bull Earn 12 or more semester hours of transcripted postsecondary credit

Tennessee13 Graduate13 13 With13 Honors13 and13

Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements13 student13 must13 meet13 requirements13 for13 both13 Tennessee13 Honors13 and13 Tennessee13 Distinction13

Designation13 of13 Exemplary13 Recognition13 (in13 addition13 to13 meeting13 regular13 SCS13 diploma13 requirements)13 13 This13 special13 recognition13 will13 be13 printed13 on13 the13 diploma13 and13 the13 transcript13 for13 any13 student13 who13 qualifies13 13

bull Must13 have13 earned13 twelve13 (12)13 Honors13 or13 Advanced13 Placement13 credits13 (any13 combination)13 in13 Grades13 913 -shy‐1213 or13 a13 combination13 of13 such13 credits13 totaling13 twelve13 (12)13 with13 each13 Advanced13 Placement13 credit13 equal13 to13 1513 honors13 credits13 13

bull A13 minimum13 of13 two13 (2)13 Honors13 or13 Advanced13 Placement13 courses13 is13 required13 during13 the13 senior13 year13 13 13 bull Designation13 of13 Exemplary13 Recognition13 will13 be13 printed13 on13 the13 diploma13 and13 final13 high13 school13 transcript13 for13 qualified13 students13

s

hel

by co

unty schools

EST 1867

s

hel

by co

unty schools

EST 1867

13 813

Planning13 13 Your13 Future13 13 13 13 13 Once13 upon13 a13 timehappily13 ever13 after13 13 The13 dots13 in13 the13 middle13 represent13 your13 life13 up13 to13 now13 13 This13 year13 a13 new13 phase13 of13 your13 life13 begins13 and13 we13 hope13 it13 leads13 to13 ldquohappily13 ever13 afterrdquo13 13 What13 does13 happily13 ever13 after13 look13 like13 13 That13 of13 course13 is13 different13 for13 each13 student13 and13 that13 is13 where13 your13 hard13 work13 will13 pay13 off13 13 It13 is13 comforting13 to13 know13 that13 you13 can13 affect13 this13 outcome13 and13 in13 many13 cases13 it13 is13 directly13 tied13 to13 the13 work13 that13 you13 do13 now13 and13 the13 time13 you13 invest13 now13 in13 planning13 your13 future13 13 We13 look13 forward13 to13 walking13 this13 path13 with13 you13 13 The13 School13 Counseling13 Department13 including13 the13 Grade13 Level13 Counselor13 the13 College13 and13 Career13 Counselor13 the13 IB13 Counselor13 and13 the13 Administrative13 Staff13 is13 ready13 to13 help13 you13 carry13 out13 your13 plans13 and13 achieve13 your13 post13 high13 school13 goals13 13 Letrsquos13 get13 started13 13 Be13 prepared13 for13 one13 of13 the13 busiest13 times13 of13 your13 life13 13 This13 booklet13 will13 give13 you13 information13 on13 each13 of13 the13 steps13 listed13 below13 13 Each13 one13 is13 needed13 as13 you13 develop13 your13 plan13 for13 your13 ldquoever13 afterrdquo13 13 13 13 13 13 113 13 Take13 a13 self-shy‐assessment13 and13 or13 interest13 inventory13 to13 help13 you13 set13 realistic13 13 13 13 13 13 13 13 13 13 goals13 13 213 13 Develop13 or13 update13 your13 resume13 13 313 13 Research13 3-shy‐513 post13 high13 school13 opportunities13 including13 colleges13 military13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 world13 or13 work13 apprenticeship13 and13 training13 programs13 13 413 13 Have13 a13 realistic13 conversation13 with13 your13 parents13 about13 your13 financial13 needs13 13 13 13 13 13 13 13 and13 or13 capabilities13 13 Do13 you13 need13 to13 work13 and13 go13 to13 school13 13 Do13 you13 need13 13 13 13 13 13 13 13 scholarships13 13 Do13 you13 qualify13 for13 need-shy‐based13 scholarships13 such13 as13 the13 Pell13 13 13 13 13 13 13 13 Grant13 13 Can13 your13 parents13 provide13 all13 financial13 assistance13 needed13 to13 finance13 13 13 13 13 13 13 13 the13 next13 phase13 of13 your13 life13 13 513 13 Research13 scholarship13 databases13 to13 determine13 criteria13 and13 if13 you13 qualify13 13 613 13 Make13 copies13 of13 everything13 you13 do13 and13 set13 up13 an13 organized13 system13 to13 track13 13 13 13 13 13 13 13 applications13 and13 other13 materials13 required13 to13 accomplish13 your13 goal13 13 713 13 Be13 aware13 of13 deadlines13 for13 applications13 college13 entrance13 tests13 preview13 days13 13 13 13 13 13 13 13 financial13 aid13 and13 job13 applications13 13 813 13 Begin13 asking13 teachers13 employers13 clergy13 coaches13 or13 other13 significant13 13 13 13 13 13 13 13 13 13 adults13 to13 write13 letters13 of13 recommendation13 you13 may13 need13 9 Complete13 and13 submit13 the13 FAFSA13 (Free13 Application13 for13 Federal13 Student13 Aid)13 13 13 13 13 13 13 13 as13 soon13 as13 possible13 on13 January13 113 201613 13 Priority13 Deadline13 13 131201613 13 13 13 13 13 13 13 13

13 913

Planning13 13 Things13 to13 Consider13 13 13 13 Going13 to13 college13 is13 one13 of13 the13 options13 available13 to13 you13 as13 you13 pursue13 your13 career13 plans13 13 A13 certain13 amount13 of13 planning13 is13 required13 13 Part13 of13 that13 planning13 has13 already13 taken13 place13 in13 the13 courses13 you13 selected13 for13 high13 school13 and13 the13 grades13 you13 made13 in13 each13 13 Choosing13 a13 college13 is13 a13 serious13 decision13 but13 you13 also13 want13 to13 enjoy13 the13 process13 and13 enjoy13 your13 senior13 year13 13 It13 is13 just13 one13 of13 a13 series13 of13 decisions13 that13 will13 help13 you13 move13 toward13 your13 goals13 13 Be13 calm13 and13 businesslike13 in13 your13 approach13 and13 avoid13 stress13 and13 a13 frantic13 approach13 13 You13 are13 doing13 something13 positive13 and13 you13 should13 enjoy13 it13 13 Here13 are13 a13 few13 hints13 to13 help13 you13 make13 this13 important13 decision13 13 1 13 Know13 yourself13 well-shy‐your13 strengths13 weaknesses13 likes13 dislikes13 hopes13 and13 dreams13 13 We13 have13 included13 some13 questions13 below13 to13 help13 you13 develop13 a13 clear13 picture13 13 You13 must13 also13 understand13 and13 accept13 the13 impact13 of13 your13 grades13 and13 test13 scores13

2 13 Research13 your13 options-shy‐there13 are13 several13 different13 paths13 that13 can13 lead13 to13 the13 same13 goal13 13 If13 you13 do13 not13 have13 the13 academic13 record13 that13 allows13 you13 to13 pursue13 your13 first13 option13 make13 another13 plan13 to13 reach13 your13 eventual13 goal13 13 Do13 not13 let13 past13 decisions13 dictate13 your13 path13

3 13 Make13 sure13 you13 are13 communicating13 with13 all13 the13 people13 who13 are13 important13 to13 this13 decision13 making13 process13 13 That13 includes13 parents13 grandparents13 counselors13 teachers13 friends13 college13 reps13 and13 financial13 aid13 experts13 13 Use13 all13 the13 resources13 available13 to13 you13

4 13 Choose13 where13 you13 will13 apply13 and13 attend13 college13 13 Every13 school13 has13 both13 positive13 and13 negative13 factors13 13 You13 must13 choose13 from13 the13 available13 possibilities13 that13 are13 best13 suited13 for13 you13

13 What13 do13 Colleges13 look13 for13 in13 a13 student13 13 1 13 Your13 academic13 record13 is13 your13 introduction13 to13 the13 college13 admissions13 staff13 13 They13 will13 consider13 the13 difficulty13 and13 variety13 of13 the13 courses13 you13 took13 13 Senior13 grades13 and13 courses13 are13 important13

2 13 Standardized13 test13 scores-shy‐ACT13 13 SAT13 13 13 As13 you13 research13 colleges13 make13 note13 of13 the13 test13 required13 by13 each13 school13 13 Record13 the13 information13 on13 the13 spreadsheet13 and13 sign13 up13 for13 the13 correct13 tests13 for13 the13 colleges13 you13 are13 considering13 13 You13 should13 have13 all13 testing13 done13 by13 December13 of13 your13 Senior13 year13

3 13 Counselor13 and13 teacher13 recommendations13 are13 also13 important13 factors13 13 Provide13 each13 with13 a13 resume13 of13 your13 accomplishments13

4 13 Your13 non13 academic13 activities13 and13 accomplishments13 both13 in13 school13 and13 out13 5 13 You13 application13 form-shy‐present13 the13 best13 picture13 of13 yourself13 13 Be13 complete13 6 Who13 am13 I13 and13 what13 are13 my13 uniques13 interests13 aptitudes13 and13 skills13 13 13 13 13 13 13

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
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28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 3: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 ii13

Reminders13 13

1 Know13 your13 personal13 information13 such13 as13 social13 security13 number13 complete13 home13 address13 PIN13 numbersUsernames13 GPA13 and13 ACT13 scores13 (and13 highest13 subscores)13

2 Know13 the13 collegesrsquo13 admissions13 requirements13 BEFORE13 applying13

3 Have13 a13 photo13 ID13 (State13 ID13 driverrsquos13 license)13 4 Take13 the13 ACT13 early13 and13 often13 (and13 prep13 for13 it)13 Dec13 is13 last13 test13 for13 institutional13 scholarships13

5 Keep13 a13 calendar13 with13 important13 deadlines13 for13 ACT13 registration13 admissions13 scholarships13 FAFSA13 TN13 Promise13

13 Notes13 to13 Self13 J13

13 113

FALL CHECKLIST 2015 _____Make sure Ms Sisk has your and your parentsrsquo e-mails (siskdbscsk12org) _____READ The Senior Message newsletter every week Check for scholarships open houses etc _____Visit colleges (3 college days for year) Attend FALL PREVIEW DAYS J Follow procedures _____Take the ACT in Sept Oct Dec(Early dates are used for scholarships to improve score) _____Get ACT test prep if you need to improve score See College Testing Info _____Complete a TN Promise Scholarship (2yr collegeCareer Technical school) application online BY NOVEMBER 2nd (deadline) wwwtnpromisegov _____Attend college fairs- Sept 28th-College Night at the Agri-center from 6-8 pm Sept 30th- Bolton College and Career Fair for parents and students-730am Oct 29th-Christian College Fair at Bellevue from 630-830pm _____Attend college rep sessions at school (Sign-up in guidance) _____Apply on-line to 3-7 collegesuniversitiestech schools Keep up with your Usernames and

passwords (VERY IMPORTANT) Choose a variety of publicprivate in-stateout-of-state Check out the Common Application

_____Send 6th semester transcript (which has all ACTSAT scores on it) AFTER you have submitted college application and paid application fee See procedure in Senior Information section

_____Give senior resumersquo to everyone who is writing recommendation letter or completing a rec form for you Allow two weeks for recommendations to be written _____Note deadlines for housing scholarships financial aid appl on your personal calendar phonehellip _____Bring Ms Sisk ALL college or military acceptance letters and scholarship award letters you receive (even if you will not attend that college or not accept scholarship) _____Set up college student e-mail acct using info on acceptance letter VERY IMPORTANT Your College will communicate with you through this e-mail system not through your personal one _____CSS Profile (additional financial aid document used by private more competitive colleges) will be available Oct 1st on-line wwwcollegeboardorg _____Complete collegersquos separate scholarship online applicationtab (if applicable) ExUTK UTChatt _____Complete a free on-line scholarship search research and apply by deadline _____Order optional graduation announce amp other supplies-Info mtg on Oct 29th-830am theatre _____Register for your FAFSA PIN (wwwpinedgov) BEFORE December Do not complete FAFSA application until JANUARY 1st 2016 and BEFORE Feb 1st _____Have ONE parent register for their PIN BEFORE December (if they dont have one already _____Attend Parent Financial Aid Night-Tues Dec 1 2015 6-700pm in theatre _____Register for NCAA Clearinghouse (if playing Division I or II sports) wwwncaaclearinghouseorg send in transcript See Ms Sisk if you are Fee Waiver student

SPRING CHECKLIST 2016 _____Complete FAFSA with parents as soon as possible on Jan 1 2016 NOT BEFORE Jan 1st (wwwfafsaedgov) BEWARE of com or org websites (scams) Absolute deadline Jan 31st _____Send 7th semester transcript if college has requested it Keep your grades UP _____Order senior cap and gown in late Feb-March 2016 See details in Senior Info _____Check on-line (in student account) to verify college has received transcript housing deposit _____Finish bringing Ms Sisk ALL scholarship offers you receive (even if you donrsquot accept offer) _____Get SAR (Student Aid Report) from FAFSA website Colleges that you list on FAFSA will get an electronic copy SAR and will issue you a financial aid award letter in MidMar-Late April _____Make final choice of college by the deadline (May 1st-National Decision Day) and notify the other colleges via e-mail to admissions office that you will not attend _____Through your college student account register for college orientation and choose an early date for best Freshman class time choices Send in housing deposit _____Review your collegersquos financial aid award letter Sign and return to the college _____Keep up GPA because scholarships and final acceptance by college are based on your FINAL transcript _____Order your FINAL transcript in late April AND enjoy Baccalaureate and Graduation 2016

13 213

ACT13 Testing13 2015-shy‐201613 Dates13 amp13 Deadlines13 13

Test13 Date13 Registration13 Deadline13

Late13 Regist13 (+Late13 Fee)13

Sept13 1213 Aug13 713 Aug13 8-shy‐2113 Oct13 2413 Sept13 1813 Sept13 19-shy‐Oct13 213 Dec13 1213 Nov13 613 Nov13 7-shy‐2013 Feb13 613 Jan13 813 Jan13 9-shy‐1513 April13 913 Mar13 413 Mar13 5-shy‐1813 June13 1113 May13 613 May13 7-shy‐2013

All13 national13 tests13 are13 given13 at13 Bolton13 except13 Sept13 amp13 June13 13 June13 201613 is13 the13 final13 ACT13 to13 qualify13 for13 the13 HOPE13 Lottery13 (2113 on13 ACT13 or13 3013 GPA)13 13 To13 register13 go13 to13 wwwactstudentorg13 13 ACT13 (No13 writing)13 13 13 13 13 $395013 13 ACT13 Plus13 Writing13 $565013 13 Students13 on13 fee13 waiver13 may13 receive13 two13 ACT13 fee13 waivers13 (see13 counselor13 for13 waiver)13 13 13 SAT13 Testing13 Dates13 and13 Deadlines13 may13 be13 found13 at13 wwwcollegeboardorg13 13 ACT13 Test13 Prep13 1 Free13 online13 test13 prep13 at13 wwwactstudentorg13 wwwsparknotescom13 wwwnumber2com13 www4testscomact13 wwwkaptestcom13 wwwprincetonreviewcom13

2 Purchase13 test13 prep13 materials13 such13 as13 The13 Real13 ACT13 Prep13 Guide13 3 Attend13 free13 or13 fee-shy‐based13 test13 prep13 tutoring13 (fee-shy‐based13 at13 Singleton13 Community13 Center13 Jane13 Ross13 Tutoring13 Kaplan)13

13 313

CLASS OF 2016 SENIOR INFORMATION Bolton High School CEEB School Code 430-040

Graduation Requirements In order for a student to receive a diploma AND participate in graduation heshe must meet requirements as outlined in the Tennessee Diploma Project Plan A copy of the requirements is included on the back of the Senior Checklist Transcripts Transcripts are processed on Thursdays-From 10-2pm Plan ahead and submit your transcript request before this processing time because last minute requests cannot be processed quickly

1 To order an official transcript students must complete their Transcript Request Card located (in small metal file) inside front door of guidance Your name is already on a card so find it in the alphabetical file Your ACTSAT scores are on your transcript

2 Electronic Transcripts-Students must use the Transcript Request Card to request electronic transcripts E-mailed requests will not be processed EX Students who use the Common Application Univ of Memphis Tiger Select application NCAA etc must fill out the Transcript request Card to order an electronic transcript

3 Students get their first transcript free and then must pay $6 each when ordering Cash or money order to Bolton HS Please have exact change Official transcripts are mailed directly to the college Please have the correct address to your collegersquos Admissions Office

4 Official transcripts are not given to students (unless submitting a scholarship packet) they must be mailed from BHS to your college Any transcript copy you receive in English class may not be sent to colleges

5 Your Final Official Transcript (upon graduation) will be sent free of charge to ONE school and you will request it when the counselors are in English classes in late April

College and Career Center The College and Career Center is located in room M212 which is across from guidance It is open to all students but Wednesdays in the fall are reserved as ldquoSenior Onlyrdquo days Students may complete online interest and career inventories research majors careers scholarships and colleges take an online campus tour complete college and scholarship applications The centerrsquos weekly hours will be posted in the SeniorJunior newsletter every week Students must have a hall pass from their teacher Hall Talk Session The counselors will meet with each student during their senior English class period Students will be prepared to discuss post high school plans with the counselor The counselor will give each student a Next Step Checklist which will help the student know what to do next Walk-In Wednesdays Every Wednesday the College and Career Center will be open for Senior for collegecareer research completing applications etc Students must have a Walk-In Wed hall pass (available in guidance) signed by their teacher Students may only attend during a study hall period or during a class which is NOT REQUIRED for graduation (or with the teacherrsquos permission College Visit Days BHS allows seniors 3 College Visit Days during your senior year (juniors are allowed 2 days) These days count as an ldquoexcused-field triprdquo and do not count against your exam exemption if you follow the correct procedure Go online on the college website and register for a visit day At the end of

13 413

your tour get confirmation of your college visit from the admissions staff on college letterhead Not acceptable-business cards of admissions rep college booklets Faxes parent notes and e-mails are also not accepted Bring this confirmation letter to your first period teacher and the teacher will submit it to attendance No college visits will be allowed the day before prom or in the month of May (unless approved by an administrator) Recommendation Letters (LOR-Letter of Recommendation) Please submit your UPDATED Senior Resumersquo to your English teacher by the teacherrsquos deadline or directly to guidance It is a required document for a recommendation request A counselor requires a senior resumersquo before writing an LOR You should choose teachers (within the past two years) who know you best You should provide a copy of your Senior Resumersquo to everyone who writes a recommendation letter for you Please give as much notice as possible (2+weeks) when requesting a letter of recommendation A quickly written letter of rec is generally not one that you want to have sent on your behalf ScholarshipsFinancial Aid 1 Read your Senior Message and listen to morning announcements for scholarship info 2 The Hope Lottery Scholarship is for use at TN colleges ONLY Students must have a 30 GPA

OR 21 ACT The amount varies 4 year colleges freshman and sophomore years (1750 per semester) and junior and senior year (2250 per semester) +$1000 per year if you have a 375 (can be weighted) AND a 29 ACT MORE info at wwwcollegepaystnorg

2 year colleges- $1000 per semester for three semesters a year (incl Summer) 3 Complete a free on-line scholarship search and apply for national scholarships (more info listed) 4 Look for scholarships available through school communitychurch local organizations parentrsquos

employer Applying for scholarships begins in the fall through the spring 5 Attend Financial Aid Night with parent on Tuesday Dec 1st from 6-700pm in theatre College Rep Visits at Bolton College recruiters and military recruiters will visit BHS throughout the school year Seniors who meet the collegersquos admissions requirements are encouraged to attend but must make up missed work Students may not attend if they are testing or failing a course Students must come to guidance to sign up at least two days prior to the session Students may only attend 3 sessions per semester unless approved by Ms Sisk or Mr Smith Parents are also encouraged to attend these sessions (sign-in at main office) ACT and SAT Testing Dates for the ACT and SAT are posted in Senior English classes on the guidance bulletin boards and on-line Students must register on-line at wwwactstudentorg For SAT I and II tests you must register on-line at wwwcollegeboardorg13 Colleges will use the highest ACT or SAT score posted on your transcript Remember to put the BHS CEEB school code on your registration form 430-040 Bolton administers the ACT on four national test dates (not Sept and June) Our ACT testing center code is 165790 ASVAB Testing Students who are entering into the military (ROTC uses ACT) are required to take the ASVAB test This free test will be given at Bolton twice a year on Sept 23rd and late Feb Be careful about repeatedly taking this test for the most recent ASVAB score is the score that is used not necessarily the highest score but the score on the most recent ASVAB Sign up in guidance

13 513

NCAA Clearinghouse ANY senior that plans on participating in athletics at a Division I or II college or university MUST be eligible through the NCAA Clearinghouse You must go to the website httpsweb1ncaaorgeligibilitycentercommon Complete the application and request a transcript from guidance A transcript will be sent then and after graduation Fee waivers are given to ACT fee waiver students so see Ms Sisk if you qualify All ACT scores should be sent directly to NCAA (code 9999)-Add this code when your register for the ACT College Acceptance Letters and Scholarship Award Letters Please bring ALL letters to Ms Sisk or Mr Smith in Guidance or send them electronically via e-mail We will make a copy and return the original to you We need copies of all offers even if you do not plan to attend that specific college OR if you do not plan to accept a scholarship offering This information is VERY IMPORTANT for several reasons 1 We want to celebrate with you in your accomplishments (Friday Senior Announcement and Senior Banner Board) 2 This is the ONLY way to make sure these accomplishments (scholarships) are recognized in the Graduation Program 3 This information is needed for both district and state reports Senior Yearbook Deadlines Holland Senior Portrait Deadline Oct 25th Senior Ad $$ amp Contract Deadline Oct 9th

Baby Picture Deadline Nov 6th Senior Ad Picture + Message Deadline Nov 13th Yearbook Cost TBA Graduation Invitations Invitations and other graduation supplies may be purchased (optional) through Balfour A deposit of approx $60 will be required when you place your order An informational meeting will be on October 29th in the theatre At (830am girls and boys will follow) Caps and Gowns Caps and Gowns will be ordered second semester before spring break Approx $90 is required with your order No fee waivers are available for this optional event The cap gown and stole are kept by the student All gowns are Bolton blue Diplomas Diplomas will be printed using your legal name (middle initial only) printed on your birth certificate If this name is incorrect CHANGE IT NOW After you legally change your name bring a copy of your birth certificate to Mrs Cupples in attendance so the school can change your records Graduation Activities ALL events are at Bellevue Baptist Church Guidelines for acceptable dress will be given to students prior to graduation Baccalaureate Graduation Rehearsal Graduation Optional event Required for grad Ceremony Optional event Sun May 15 2016 Fri May 20 2016 Sat May 21 2016 Time 400pm Time 730 am (morning) Time 300 pm Wear cap and gown Wear Bolton shirt (dress code) Cap and Gown PROJECT GRADUATION WILL BE SAT MAY 20th FROM 11PM-5AM ALL NIGHT GAMES FOOD AND PRIZES

13 613

Requirements13 for13 Students13 Beginning13 High13 School13 in13 Fall13 200913

Total13 Credits13 Required13 2213

Math13 413 Credits13 13 -shy‐13 Including13 Algebra13 I13 II13 Geometry13 and13 a13 fourth13 higher13 level13 math13 course13

Science13 313 Credits13 -shy‐13 Including13 Biology13 Chemistry13 or13 Physics13 and13 a13 third13 lab13 course13

English13 413 Credits13

Social13 Studies13 313 Credits13

Physical13 Education13 And13 Wellness13 1513 Credits13

Personal13 Finance13 0513 Credits13

Foreign13 Language13 213 Credits13 Fine13 Arts13 113 Credit13 -shy‐13 May13 be13 waived13 for13 students13 not13 going13 to13 a13 University13 to13 expand13 and13 enhance13 the13 elective13 focus13

Elective13 Focus13 313 Credits13 -shy‐13 Math13 and13 Science13 Career13 and13 Technical13 Education13 Fine13 Arts13 Humanities13 Advanced13 Placement13 (AP)13 or13 International13 Baccalaureate13 (IB)13

13

13 713

13

Diploma13 amp13 Seal13 Options13 Requirements13 Regular13 SCS13 Diploma13 2213 units13 of13 specified13 credits13 Capstone13 recommended13

13 13

bull English13 413 units13 (taken13 sequentially)13 bull Mathematics13 413 units13 (one13 year13 of13 math13 in13 grades13 9-shy‐1213 must13 complete13 Alg113 Alg213 Geo13 and13 a13 higher13 level13 math)13 13 bull Science13 313 units13 (Must13 complete13 Biology13 113 Chemistry13 or13 Physics13 and13 a13 third13 level13 lab13 science13 in13 high13 school)13 bull Social13 Studies13 313 units13 (to13 include13 U13 S13 History13 Economics13 U13 S13 Government13 World13 History13 13 Geography)13 bull Wellness13 113 unit13 13 bull Physical13 Education13 0513 unit13 13 bull Personal13 Finance13 0513 unit13 bull Elective13 Focus13 -shy‐13 313 units13 13 bull Foreign13 Language13 (213 units13 of13 the13 same13 language13 while13 in13 high13 school)13 bull Fine13 Arts13 113 unit13 13 bull Computer13 Education13 ndash13 113 year13 of13 computer13 education13 during13 studentrsquos13 educational13 career13

Special13 Education13 Diploma13

13

Awarded at the end of the fourth year of high school to students with disabilities who have bull Not met the requirements for a regular SCS high school diploma bull Successfully completed an Individual Education Plan (IEP) bull Satisfactory records of attendance and conduct

Note Students who receive a Special Education Diploma may13 continue13 to13 work13 towards13 the13 high13 school13 diploma13 through13 the13 end13 of13 the13 school13 year13 in13 which13 they13 turn13 twenty-shy‐two13 years13 old

Tennessee13 Graduate13 13 With13 Honors13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must score13 at13 or13 above13 all13 of13 the13 subject13 area13 readiness13 benchmarks13 on13 the13 ACT13 (or13 equivalent13 scores13 on13 SAT)13

bull English13 1813 13 13 13 13 13 13 13 13 13 13 bull Reading13 2213 13 13 13 13 13 13 13 13 13 bull Math13 2213 13 13 13 13 13 13 13 13 13 bull Science13 2313 httpwwwactorgsolutionscollege-shy‐career-shy‐readinesscollege-shy‐readiness-shy‐benchmarks13

13

Tennessee13 Graduate13 13 With13 Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must have a B average and at least of the following bull Earn a nationally recognized industry certification bull Participate in at least one of the Governorrsquos Schools bull Participate in one of the statersquos All State musical organizations bull Be selected as a National Merit Finalist or Semi-Finalist bull Attain a composite score of 31 or higher on the ACT or 1360 on the SAT bull Attain a score of 3 or higher on at least two advanced placement exams bull Successfully complete the International Baccalaureate Diploma Programme bull Earn 12 or more semester hours of transcripted postsecondary credit

Tennessee13 Graduate13 13 With13 Honors13 and13

Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements13 student13 must13 meet13 requirements13 for13 both13 Tennessee13 Honors13 and13 Tennessee13 Distinction13

Designation13 of13 Exemplary13 Recognition13 (in13 addition13 to13 meeting13 regular13 SCS13 diploma13 requirements)13 13 This13 special13 recognition13 will13 be13 printed13 on13 the13 diploma13 and13 the13 transcript13 for13 any13 student13 who13 qualifies13 13

bull Must13 have13 earned13 twelve13 (12)13 Honors13 or13 Advanced13 Placement13 credits13 (any13 combination)13 in13 Grades13 913 -shy‐1213 or13 a13 combination13 of13 such13 credits13 totaling13 twelve13 (12)13 with13 each13 Advanced13 Placement13 credit13 equal13 to13 1513 honors13 credits13 13

bull A13 minimum13 of13 two13 (2)13 Honors13 or13 Advanced13 Placement13 courses13 is13 required13 during13 the13 senior13 year13 13 13 bull Designation13 of13 Exemplary13 Recognition13 will13 be13 printed13 on13 the13 diploma13 and13 final13 high13 school13 transcript13 for13 qualified13 students13

s

hel

by co

unty schools

EST 1867

s

hel

by co

unty schools

EST 1867

13 813

Planning13 13 Your13 Future13 13 13 13 13 Once13 upon13 a13 timehappily13 ever13 after13 13 The13 dots13 in13 the13 middle13 represent13 your13 life13 up13 to13 now13 13 This13 year13 a13 new13 phase13 of13 your13 life13 begins13 and13 we13 hope13 it13 leads13 to13 ldquohappily13 ever13 afterrdquo13 13 What13 does13 happily13 ever13 after13 look13 like13 13 That13 of13 course13 is13 different13 for13 each13 student13 and13 that13 is13 where13 your13 hard13 work13 will13 pay13 off13 13 It13 is13 comforting13 to13 know13 that13 you13 can13 affect13 this13 outcome13 and13 in13 many13 cases13 it13 is13 directly13 tied13 to13 the13 work13 that13 you13 do13 now13 and13 the13 time13 you13 invest13 now13 in13 planning13 your13 future13 13 We13 look13 forward13 to13 walking13 this13 path13 with13 you13 13 The13 School13 Counseling13 Department13 including13 the13 Grade13 Level13 Counselor13 the13 College13 and13 Career13 Counselor13 the13 IB13 Counselor13 and13 the13 Administrative13 Staff13 is13 ready13 to13 help13 you13 carry13 out13 your13 plans13 and13 achieve13 your13 post13 high13 school13 goals13 13 Letrsquos13 get13 started13 13 Be13 prepared13 for13 one13 of13 the13 busiest13 times13 of13 your13 life13 13 This13 booklet13 will13 give13 you13 information13 on13 each13 of13 the13 steps13 listed13 below13 13 Each13 one13 is13 needed13 as13 you13 develop13 your13 plan13 for13 your13 ldquoever13 afterrdquo13 13 13 13 13 13 113 13 Take13 a13 self-shy‐assessment13 and13 or13 interest13 inventory13 to13 help13 you13 set13 realistic13 13 13 13 13 13 13 13 13 13 goals13 13 213 13 Develop13 or13 update13 your13 resume13 13 313 13 Research13 3-shy‐513 post13 high13 school13 opportunities13 including13 colleges13 military13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 world13 or13 work13 apprenticeship13 and13 training13 programs13 13 413 13 Have13 a13 realistic13 conversation13 with13 your13 parents13 about13 your13 financial13 needs13 13 13 13 13 13 13 13 and13 or13 capabilities13 13 Do13 you13 need13 to13 work13 and13 go13 to13 school13 13 Do13 you13 need13 13 13 13 13 13 13 13 scholarships13 13 Do13 you13 qualify13 for13 need-shy‐based13 scholarships13 such13 as13 the13 Pell13 13 13 13 13 13 13 13 Grant13 13 Can13 your13 parents13 provide13 all13 financial13 assistance13 needed13 to13 finance13 13 13 13 13 13 13 13 the13 next13 phase13 of13 your13 life13 13 513 13 Research13 scholarship13 databases13 to13 determine13 criteria13 and13 if13 you13 qualify13 13 613 13 Make13 copies13 of13 everything13 you13 do13 and13 set13 up13 an13 organized13 system13 to13 track13 13 13 13 13 13 13 13 applications13 and13 other13 materials13 required13 to13 accomplish13 your13 goal13 13 713 13 Be13 aware13 of13 deadlines13 for13 applications13 college13 entrance13 tests13 preview13 days13 13 13 13 13 13 13 13 financial13 aid13 and13 job13 applications13 13 813 13 Begin13 asking13 teachers13 employers13 clergy13 coaches13 or13 other13 significant13 13 13 13 13 13 13 13 13 13 adults13 to13 write13 letters13 of13 recommendation13 you13 may13 need13 9 Complete13 and13 submit13 the13 FAFSA13 (Free13 Application13 for13 Federal13 Student13 Aid)13 13 13 13 13 13 13 13 as13 soon13 as13 possible13 on13 January13 113 201613 13 Priority13 Deadline13 13 131201613 13 13 13 13 13 13 13 13

13 913

Planning13 13 Things13 to13 Consider13 13 13 13 Going13 to13 college13 is13 one13 of13 the13 options13 available13 to13 you13 as13 you13 pursue13 your13 career13 plans13 13 A13 certain13 amount13 of13 planning13 is13 required13 13 Part13 of13 that13 planning13 has13 already13 taken13 place13 in13 the13 courses13 you13 selected13 for13 high13 school13 and13 the13 grades13 you13 made13 in13 each13 13 Choosing13 a13 college13 is13 a13 serious13 decision13 but13 you13 also13 want13 to13 enjoy13 the13 process13 and13 enjoy13 your13 senior13 year13 13 It13 is13 just13 one13 of13 a13 series13 of13 decisions13 that13 will13 help13 you13 move13 toward13 your13 goals13 13 Be13 calm13 and13 businesslike13 in13 your13 approach13 and13 avoid13 stress13 and13 a13 frantic13 approach13 13 You13 are13 doing13 something13 positive13 and13 you13 should13 enjoy13 it13 13 Here13 are13 a13 few13 hints13 to13 help13 you13 make13 this13 important13 decision13 13 1 13 Know13 yourself13 well-shy‐your13 strengths13 weaknesses13 likes13 dislikes13 hopes13 and13 dreams13 13 We13 have13 included13 some13 questions13 below13 to13 help13 you13 develop13 a13 clear13 picture13 13 You13 must13 also13 understand13 and13 accept13 the13 impact13 of13 your13 grades13 and13 test13 scores13

2 13 Research13 your13 options-shy‐there13 are13 several13 different13 paths13 that13 can13 lead13 to13 the13 same13 goal13 13 If13 you13 do13 not13 have13 the13 academic13 record13 that13 allows13 you13 to13 pursue13 your13 first13 option13 make13 another13 plan13 to13 reach13 your13 eventual13 goal13 13 Do13 not13 let13 past13 decisions13 dictate13 your13 path13

3 13 Make13 sure13 you13 are13 communicating13 with13 all13 the13 people13 who13 are13 important13 to13 this13 decision13 making13 process13 13 That13 includes13 parents13 grandparents13 counselors13 teachers13 friends13 college13 reps13 and13 financial13 aid13 experts13 13 Use13 all13 the13 resources13 available13 to13 you13

4 13 Choose13 where13 you13 will13 apply13 and13 attend13 college13 13 Every13 school13 has13 both13 positive13 and13 negative13 factors13 13 You13 must13 choose13 from13 the13 available13 possibilities13 that13 are13 best13 suited13 for13 you13

13 What13 do13 Colleges13 look13 for13 in13 a13 student13 13 1 13 Your13 academic13 record13 is13 your13 introduction13 to13 the13 college13 admissions13 staff13 13 They13 will13 consider13 the13 difficulty13 and13 variety13 of13 the13 courses13 you13 took13 13 Senior13 grades13 and13 courses13 are13 important13

2 13 Standardized13 test13 scores-shy‐ACT13 13 SAT13 13 13 As13 you13 research13 colleges13 make13 note13 of13 the13 test13 required13 by13 each13 school13 13 Record13 the13 information13 on13 the13 spreadsheet13 and13 sign13 up13 for13 the13 correct13 tests13 for13 the13 colleges13 you13 are13 considering13 13 You13 should13 have13 all13 testing13 done13 by13 December13 of13 your13 Senior13 year13

3 13 Counselor13 and13 teacher13 recommendations13 are13 also13 important13 factors13 13 Provide13 each13 with13 a13 resume13 of13 your13 accomplishments13

4 13 Your13 non13 academic13 activities13 and13 accomplishments13 both13 in13 school13 and13 out13 5 13 You13 application13 form-shy‐present13 the13 best13 picture13 of13 yourself13 13 Be13 complete13 6 Who13 am13 I13 and13 what13 are13 my13 uniques13 interests13 aptitudes13 and13 skills13 13 13 13 13 13 13

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

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28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 4: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 113

FALL CHECKLIST 2015 _____Make sure Ms Sisk has your and your parentsrsquo e-mails (siskdbscsk12org) _____READ The Senior Message newsletter every week Check for scholarships open houses etc _____Visit colleges (3 college days for year) Attend FALL PREVIEW DAYS J Follow procedures _____Take the ACT in Sept Oct Dec(Early dates are used for scholarships to improve score) _____Get ACT test prep if you need to improve score See College Testing Info _____Complete a TN Promise Scholarship (2yr collegeCareer Technical school) application online BY NOVEMBER 2nd (deadline) wwwtnpromisegov _____Attend college fairs- Sept 28th-College Night at the Agri-center from 6-8 pm Sept 30th- Bolton College and Career Fair for parents and students-730am Oct 29th-Christian College Fair at Bellevue from 630-830pm _____Attend college rep sessions at school (Sign-up in guidance) _____Apply on-line to 3-7 collegesuniversitiestech schools Keep up with your Usernames and

passwords (VERY IMPORTANT) Choose a variety of publicprivate in-stateout-of-state Check out the Common Application

_____Send 6th semester transcript (which has all ACTSAT scores on it) AFTER you have submitted college application and paid application fee See procedure in Senior Information section

_____Give senior resumersquo to everyone who is writing recommendation letter or completing a rec form for you Allow two weeks for recommendations to be written _____Note deadlines for housing scholarships financial aid appl on your personal calendar phonehellip _____Bring Ms Sisk ALL college or military acceptance letters and scholarship award letters you receive (even if you will not attend that college or not accept scholarship) _____Set up college student e-mail acct using info on acceptance letter VERY IMPORTANT Your College will communicate with you through this e-mail system not through your personal one _____CSS Profile (additional financial aid document used by private more competitive colleges) will be available Oct 1st on-line wwwcollegeboardorg _____Complete collegersquos separate scholarship online applicationtab (if applicable) ExUTK UTChatt _____Complete a free on-line scholarship search research and apply by deadline _____Order optional graduation announce amp other supplies-Info mtg on Oct 29th-830am theatre _____Register for your FAFSA PIN (wwwpinedgov) BEFORE December Do not complete FAFSA application until JANUARY 1st 2016 and BEFORE Feb 1st _____Have ONE parent register for their PIN BEFORE December (if they dont have one already _____Attend Parent Financial Aid Night-Tues Dec 1 2015 6-700pm in theatre _____Register for NCAA Clearinghouse (if playing Division I or II sports) wwwncaaclearinghouseorg send in transcript See Ms Sisk if you are Fee Waiver student

SPRING CHECKLIST 2016 _____Complete FAFSA with parents as soon as possible on Jan 1 2016 NOT BEFORE Jan 1st (wwwfafsaedgov) BEWARE of com or org websites (scams) Absolute deadline Jan 31st _____Send 7th semester transcript if college has requested it Keep your grades UP _____Order senior cap and gown in late Feb-March 2016 See details in Senior Info _____Check on-line (in student account) to verify college has received transcript housing deposit _____Finish bringing Ms Sisk ALL scholarship offers you receive (even if you donrsquot accept offer) _____Get SAR (Student Aid Report) from FAFSA website Colleges that you list on FAFSA will get an electronic copy SAR and will issue you a financial aid award letter in MidMar-Late April _____Make final choice of college by the deadline (May 1st-National Decision Day) and notify the other colleges via e-mail to admissions office that you will not attend _____Through your college student account register for college orientation and choose an early date for best Freshman class time choices Send in housing deposit _____Review your collegersquos financial aid award letter Sign and return to the college _____Keep up GPA because scholarships and final acceptance by college are based on your FINAL transcript _____Order your FINAL transcript in late April AND enjoy Baccalaureate and Graduation 2016

13 213

ACT13 Testing13 2015-shy‐201613 Dates13 amp13 Deadlines13 13

Test13 Date13 Registration13 Deadline13

Late13 Regist13 (+Late13 Fee)13

Sept13 1213 Aug13 713 Aug13 8-shy‐2113 Oct13 2413 Sept13 1813 Sept13 19-shy‐Oct13 213 Dec13 1213 Nov13 613 Nov13 7-shy‐2013 Feb13 613 Jan13 813 Jan13 9-shy‐1513 April13 913 Mar13 413 Mar13 5-shy‐1813 June13 1113 May13 613 May13 7-shy‐2013

All13 national13 tests13 are13 given13 at13 Bolton13 except13 Sept13 amp13 June13 13 June13 201613 is13 the13 final13 ACT13 to13 qualify13 for13 the13 HOPE13 Lottery13 (2113 on13 ACT13 or13 3013 GPA)13 13 To13 register13 go13 to13 wwwactstudentorg13 13 ACT13 (No13 writing)13 13 13 13 13 $395013 13 ACT13 Plus13 Writing13 $565013 13 Students13 on13 fee13 waiver13 may13 receive13 two13 ACT13 fee13 waivers13 (see13 counselor13 for13 waiver)13 13 13 SAT13 Testing13 Dates13 and13 Deadlines13 may13 be13 found13 at13 wwwcollegeboardorg13 13 ACT13 Test13 Prep13 1 Free13 online13 test13 prep13 at13 wwwactstudentorg13 wwwsparknotescom13 wwwnumber2com13 www4testscomact13 wwwkaptestcom13 wwwprincetonreviewcom13

2 Purchase13 test13 prep13 materials13 such13 as13 The13 Real13 ACT13 Prep13 Guide13 3 Attend13 free13 or13 fee-shy‐based13 test13 prep13 tutoring13 (fee-shy‐based13 at13 Singleton13 Community13 Center13 Jane13 Ross13 Tutoring13 Kaplan)13

13 313

CLASS OF 2016 SENIOR INFORMATION Bolton High School CEEB School Code 430-040

Graduation Requirements In order for a student to receive a diploma AND participate in graduation heshe must meet requirements as outlined in the Tennessee Diploma Project Plan A copy of the requirements is included on the back of the Senior Checklist Transcripts Transcripts are processed on Thursdays-From 10-2pm Plan ahead and submit your transcript request before this processing time because last minute requests cannot be processed quickly

1 To order an official transcript students must complete their Transcript Request Card located (in small metal file) inside front door of guidance Your name is already on a card so find it in the alphabetical file Your ACTSAT scores are on your transcript

2 Electronic Transcripts-Students must use the Transcript Request Card to request electronic transcripts E-mailed requests will not be processed EX Students who use the Common Application Univ of Memphis Tiger Select application NCAA etc must fill out the Transcript request Card to order an electronic transcript

3 Students get their first transcript free and then must pay $6 each when ordering Cash or money order to Bolton HS Please have exact change Official transcripts are mailed directly to the college Please have the correct address to your collegersquos Admissions Office

4 Official transcripts are not given to students (unless submitting a scholarship packet) they must be mailed from BHS to your college Any transcript copy you receive in English class may not be sent to colleges

5 Your Final Official Transcript (upon graduation) will be sent free of charge to ONE school and you will request it when the counselors are in English classes in late April

College and Career Center The College and Career Center is located in room M212 which is across from guidance It is open to all students but Wednesdays in the fall are reserved as ldquoSenior Onlyrdquo days Students may complete online interest and career inventories research majors careers scholarships and colleges take an online campus tour complete college and scholarship applications The centerrsquos weekly hours will be posted in the SeniorJunior newsletter every week Students must have a hall pass from their teacher Hall Talk Session The counselors will meet with each student during their senior English class period Students will be prepared to discuss post high school plans with the counselor The counselor will give each student a Next Step Checklist which will help the student know what to do next Walk-In Wednesdays Every Wednesday the College and Career Center will be open for Senior for collegecareer research completing applications etc Students must have a Walk-In Wed hall pass (available in guidance) signed by their teacher Students may only attend during a study hall period or during a class which is NOT REQUIRED for graduation (or with the teacherrsquos permission College Visit Days BHS allows seniors 3 College Visit Days during your senior year (juniors are allowed 2 days) These days count as an ldquoexcused-field triprdquo and do not count against your exam exemption if you follow the correct procedure Go online on the college website and register for a visit day At the end of

13 413

your tour get confirmation of your college visit from the admissions staff on college letterhead Not acceptable-business cards of admissions rep college booklets Faxes parent notes and e-mails are also not accepted Bring this confirmation letter to your first period teacher and the teacher will submit it to attendance No college visits will be allowed the day before prom or in the month of May (unless approved by an administrator) Recommendation Letters (LOR-Letter of Recommendation) Please submit your UPDATED Senior Resumersquo to your English teacher by the teacherrsquos deadline or directly to guidance It is a required document for a recommendation request A counselor requires a senior resumersquo before writing an LOR You should choose teachers (within the past two years) who know you best You should provide a copy of your Senior Resumersquo to everyone who writes a recommendation letter for you Please give as much notice as possible (2+weeks) when requesting a letter of recommendation A quickly written letter of rec is generally not one that you want to have sent on your behalf ScholarshipsFinancial Aid 1 Read your Senior Message and listen to morning announcements for scholarship info 2 The Hope Lottery Scholarship is for use at TN colleges ONLY Students must have a 30 GPA

OR 21 ACT The amount varies 4 year colleges freshman and sophomore years (1750 per semester) and junior and senior year (2250 per semester) +$1000 per year if you have a 375 (can be weighted) AND a 29 ACT MORE info at wwwcollegepaystnorg

2 year colleges- $1000 per semester for three semesters a year (incl Summer) 3 Complete a free on-line scholarship search and apply for national scholarships (more info listed) 4 Look for scholarships available through school communitychurch local organizations parentrsquos

employer Applying for scholarships begins in the fall through the spring 5 Attend Financial Aid Night with parent on Tuesday Dec 1st from 6-700pm in theatre College Rep Visits at Bolton College recruiters and military recruiters will visit BHS throughout the school year Seniors who meet the collegersquos admissions requirements are encouraged to attend but must make up missed work Students may not attend if they are testing or failing a course Students must come to guidance to sign up at least two days prior to the session Students may only attend 3 sessions per semester unless approved by Ms Sisk or Mr Smith Parents are also encouraged to attend these sessions (sign-in at main office) ACT and SAT Testing Dates for the ACT and SAT are posted in Senior English classes on the guidance bulletin boards and on-line Students must register on-line at wwwactstudentorg For SAT I and II tests you must register on-line at wwwcollegeboardorg13 Colleges will use the highest ACT or SAT score posted on your transcript Remember to put the BHS CEEB school code on your registration form 430-040 Bolton administers the ACT on four national test dates (not Sept and June) Our ACT testing center code is 165790 ASVAB Testing Students who are entering into the military (ROTC uses ACT) are required to take the ASVAB test This free test will be given at Bolton twice a year on Sept 23rd and late Feb Be careful about repeatedly taking this test for the most recent ASVAB score is the score that is used not necessarily the highest score but the score on the most recent ASVAB Sign up in guidance

13 513

NCAA Clearinghouse ANY senior that plans on participating in athletics at a Division I or II college or university MUST be eligible through the NCAA Clearinghouse You must go to the website httpsweb1ncaaorgeligibilitycentercommon Complete the application and request a transcript from guidance A transcript will be sent then and after graduation Fee waivers are given to ACT fee waiver students so see Ms Sisk if you qualify All ACT scores should be sent directly to NCAA (code 9999)-Add this code when your register for the ACT College Acceptance Letters and Scholarship Award Letters Please bring ALL letters to Ms Sisk or Mr Smith in Guidance or send them electronically via e-mail We will make a copy and return the original to you We need copies of all offers even if you do not plan to attend that specific college OR if you do not plan to accept a scholarship offering This information is VERY IMPORTANT for several reasons 1 We want to celebrate with you in your accomplishments (Friday Senior Announcement and Senior Banner Board) 2 This is the ONLY way to make sure these accomplishments (scholarships) are recognized in the Graduation Program 3 This information is needed for both district and state reports Senior Yearbook Deadlines Holland Senior Portrait Deadline Oct 25th Senior Ad $$ amp Contract Deadline Oct 9th

Baby Picture Deadline Nov 6th Senior Ad Picture + Message Deadline Nov 13th Yearbook Cost TBA Graduation Invitations Invitations and other graduation supplies may be purchased (optional) through Balfour A deposit of approx $60 will be required when you place your order An informational meeting will be on October 29th in the theatre At (830am girls and boys will follow) Caps and Gowns Caps and Gowns will be ordered second semester before spring break Approx $90 is required with your order No fee waivers are available for this optional event The cap gown and stole are kept by the student All gowns are Bolton blue Diplomas Diplomas will be printed using your legal name (middle initial only) printed on your birth certificate If this name is incorrect CHANGE IT NOW After you legally change your name bring a copy of your birth certificate to Mrs Cupples in attendance so the school can change your records Graduation Activities ALL events are at Bellevue Baptist Church Guidelines for acceptable dress will be given to students prior to graduation Baccalaureate Graduation Rehearsal Graduation Optional event Required for grad Ceremony Optional event Sun May 15 2016 Fri May 20 2016 Sat May 21 2016 Time 400pm Time 730 am (morning) Time 300 pm Wear cap and gown Wear Bolton shirt (dress code) Cap and Gown PROJECT GRADUATION WILL BE SAT MAY 20th FROM 11PM-5AM ALL NIGHT GAMES FOOD AND PRIZES

13 613

Requirements13 for13 Students13 Beginning13 High13 School13 in13 Fall13 200913

Total13 Credits13 Required13 2213

Math13 413 Credits13 13 -shy‐13 Including13 Algebra13 I13 II13 Geometry13 and13 a13 fourth13 higher13 level13 math13 course13

Science13 313 Credits13 -shy‐13 Including13 Biology13 Chemistry13 or13 Physics13 and13 a13 third13 lab13 course13

English13 413 Credits13

Social13 Studies13 313 Credits13

Physical13 Education13 And13 Wellness13 1513 Credits13

Personal13 Finance13 0513 Credits13

Foreign13 Language13 213 Credits13 Fine13 Arts13 113 Credit13 -shy‐13 May13 be13 waived13 for13 students13 not13 going13 to13 a13 University13 to13 expand13 and13 enhance13 the13 elective13 focus13

Elective13 Focus13 313 Credits13 -shy‐13 Math13 and13 Science13 Career13 and13 Technical13 Education13 Fine13 Arts13 Humanities13 Advanced13 Placement13 (AP)13 or13 International13 Baccalaureate13 (IB)13

13

13 713

13

Diploma13 amp13 Seal13 Options13 Requirements13 Regular13 SCS13 Diploma13 2213 units13 of13 specified13 credits13 Capstone13 recommended13

13 13

bull English13 413 units13 (taken13 sequentially)13 bull Mathematics13 413 units13 (one13 year13 of13 math13 in13 grades13 9-shy‐1213 must13 complete13 Alg113 Alg213 Geo13 and13 a13 higher13 level13 math)13 13 bull Science13 313 units13 (Must13 complete13 Biology13 113 Chemistry13 or13 Physics13 and13 a13 third13 level13 lab13 science13 in13 high13 school)13 bull Social13 Studies13 313 units13 (to13 include13 U13 S13 History13 Economics13 U13 S13 Government13 World13 History13 13 Geography)13 bull Wellness13 113 unit13 13 bull Physical13 Education13 0513 unit13 13 bull Personal13 Finance13 0513 unit13 bull Elective13 Focus13 -shy‐13 313 units13 13 bull Foreign13 Language13 (213 units13 of13 the13 same13 language13 while13 in13 high13 school)13 bull Fine13 Arts13 113 unit13 13 bull Computer13 Education13 ndash13 113 year13 of13 computer13 education13 during13 studentrsquos13 educational13 career13

Special13 Education13 Diploma13

13

Awarded at the end of the fourth year of high school to students with disabilities who have bull Not met the requirements for a regular SCS high school diploma bull Successfully completed an Individual Education Plan (IEP) bull Satisfactory records of attendance and conduct

Note Students who receive a Special Education Diploma may13 continue13 to13 work13 towards13 the13 high13 school13 diploma13 through13 the13 end13 of13 the13 school13 year13 in13 which13 they13 turn13 twenty-shy‐two13 years13 old

Tennessee13 Graduate13 13 With13 Honors13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must score13 at13 or13 above13 all13 of13 the13 subject13 area13 readiness13 benchmarks13 on13 the13 ACT13 (or13 equivalent13 scores13 on13 SAT)13

bull English13 1813 13 13 13 13 13 13 13 13 13 13 bull Reading13 2213 13 13 13 13 13 13 13 13 13 bull Math13 2213 13 13 13 13 13 13 13 13 13 bull Science13 2313 httpwwwactorgsolutionscollege-shy‐career-shy‐readinesscollege-shy‐readiness-shy‐benchmarks13

13

Tennessee13 Graduate13 13 With13 Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must have a B average and at least of the following bull Earn a nationally recognized industry certification bull Participate in at least one of the Governorrsquos Schools bull Participate in one of the statersquos All State musical organizations bull Be selected as a National Merit Finalist or Semi-Finalist bull Attain a composite score of 31 or higher on the ACT or 1360 on the SAT bull Attain a score of 3 or higher on at least two advanced placement exams bull Successfully complete the International Baccalaureate Diploma Programme bull Earn 12 or more semester hours of transcripted postsecondary credit

Tennessee13 Graduate13 13 With13 Honors13 and13

Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements13 student13 must13 meet13 requirements13 for13 both13 Tennessee13 Honors13 and13 Tennessee13 Distinction13

Designation13 of13 Exemplary13 Recognition13 (in13 addition13 to13 meeting13 regular13 SCS13 diploma13 requirements)13 13 This13 special13 recognition13 will13 be13 printed13 on13 the13 diploma13 and13 the13 transcript13 for13 any13 student13 who13 qualifies13 13

bull Must13 have13 earned13 twelve13 (12)13 Honors13 or13 Advanced13 Placement13 credits13 (any13 combination)13 in13 Grades13 913 -shy‐1213 or13 a13 combination13 of13 such13 credits13 totaling13 twelve13 (12)13 with13 each13 Advanced13 Placement13 credit13 equal13 to13 1513 honors13 credits13 13

bull A13 minimum13 of13 two13 (2)13 Honors13 or13 Advanced13 Placement13 courses13 is13 required13 during13 the13 senior13 year13 13 13 bull Designation13 of13 Exemplary13 Recognition13 will13 be13 printed13 on13 the13 diploma13 and13 final13 high13 school13 transcript13 for13 qualified13 students13

s

hel

by co

unty schools

EST 1867

s

hel

by co

unty schools

EST 1867

13 813

Planning13 13 Your13 Future13 13 13 13 13 Once13 upon13 a13 timehappily13 ever13 after13 13 The13 dots13 in13 the13 middle13 represent13 your13 life13 up13 to13 now13 13 This13 year13 a13 new13 phase13 of13 your13 life13 begins13 and13 we13 hope13 it13 leads13 to13 ldquohappily13 ever13 afterrdquo13 13 What13 does13 happily13 ever13 after13 look13 like13 13 That13 of13 course13 is13 different13 for13 each13 student13 and13 that13 is13 where13 your13 hard13 work13 will13 pay13 off13 13 It13 is13 comforting13 to13 know13 that13 you13 can13 affect13 this13 outcome13 and13 in13 many13 cases13 it13 is13 directly13 tied13 to13 the13 work13 that13 you13 do13 now13 and13 the13 time13 you13 invest13 now13 in13 planning13 your13 future13 13 We13 look13 forward13 to13 walking13 this13 path13 with13 you13 13 The13 School13 Counseling13 Department13 including13 the13 Grade13 Level13 Counselor13 the13 College13 and13 Career13 Counselor13 the13 IB13 Counselor13 and13 the13 Administrative13 Staff13 is13 ready13 to13 help13 you13 carry13 out13 your13 plans13 and13 achieve13 your13 post13 high13 school13 goals13 13 Letrsquos13 get13 started13 13 Be13 prepared13 for13 one13 of13 the13 busiest13 times13 of13 your13 life13 13 This13 booklet13 will13 give13 you13 information13 on13 each13 of13 the13 steps13 listed13 below13 13 Each13 one13 is13 needed13 as13 you13 develop13 your13 plan13 for13 your13 ldquoever13 afterrdquo13 13 13 13 13 13 113 13 Take13 a13 self-shy‐assessment13 and13 or13 interest13 inventory13 to13 help13 you13 set13 realistic13 13 13 13 13 13 13 13 13 13 goals13 13 213 13 Develop13 or13 update13 your13 resume13 13 313 13 Research13 3-shy‐513 post13 high13 school13 opportunities13 including13 colleges13 military13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 world13 or13 work13 apprenticeship13 and13 training13 programs13 13 413 13 Have13 a13 realistic13 conversation13 with13 your13 parents13 about13 your13 financial13 needs13 13 13 13 13 13 13 13 and13 or13 capabilities13 13 Do13 you13 need13 to13 work13 and13 go13 to13 school13 13 Do13 you13 need13 13 13 13 13 13 13 13 scholarships13 13 Do13 you13 qualify13 for13 need-shy‐based13 scholarships13 such13 as13 the13 Pell13 13 13 13 13 13 13 13 Grant13 13 Can13 your13 parents13 provide13 all13 financial13 assistance13 needed13 to13 finance13 13 13 13 13 13 13 13 the13 next13 phase13 of13 your13 life13 13 513 13 Research13 scholarship13 databases13 to13 determine13 criteria13 and13 if13 you13 qualify13 13 613 13 Make13 copies13 of13 everything13 you13 do13 and13 set13 up13 an13 organized13 system13 to13 track13 13 13 13 13 13 13 13 applications13 and13 other13 materials13 required13 to13 accomplish13 your13 goal13 13 713 13 Be13 aware13 of13 deadlines13 for13 applications13 college13 entrance13 tests13 preview13 days13 13 13 13 13 13 13 13 financial13 aid13 and13 job13 applications13 13 813 13 Begin13 asking13 teachers13 employers13 clergy13 coaches13 or13 other13 significant13 13 13 13 13 13 13 13 13 13 adults13 to13 write13 letters13 of13 recommendation13 you13 may13 need13 9 Complete13 and13 submit13 the13 FAFSA13 (Free13 Application13 for13 Federal13 Student13 Aid)13 13 13 13 13 13 13 13 as13 soon13 as13 possible13 on13 January13 113 201613 13 Priority13 Deadline13 13 131201613 13 13 13 13 13 13 13 13

13 913

Planning13 13 Things13 to13 Consider13 13 13 13 Going13 to13 college13 is13 one13 of13 the13 options13 available13 to13 you13 as13 you13 pursue13 your13 career13 plans13 13 A13 certain13 amount13 of13 planning13 is13 required13 13 Part13 of13 that13 planning13 has13 already13 taken13 place13 in13 the13 courses13 you13 selected13 for13 high13 school13 and13 the13 grades13 you13 made13 in13 each13 13 Choosing13 a13 college13 is13 a13 serious13 decision13 but13 you13 also13 want13 to13 enjoy13 the13 process13 and13 enjoy13 your13 senior13 year13 13 It13 is13 just13 one13 of13 a13 series13 of13 decisions13 that13 will13 help13 you13 move13 toward13 your13 goals13 13 Be13 calm13 and13 businesslike13 in13 your13 approach13 and13 avoid13 stress13 and13 a13 frantic13 approach13 13 You13 are13 doing13 something13 positive13 and13 you13 should13 enjoy13 it13 13 Here13 are13 a13 few13 hints13 to13 help13 you13 make13 this13 important13 decision13 13 1 13 Know13 yourself13 well-shy‐your13 strengths13 weaknesses13 likes13 dislikes13 hopes13 and13 dreams13 13 We13 have13 included13 some13 questions13 below13 to13 help13 you13 develop13 a13 clear13 picture13 13 You13 must13 also13 understand13 and13 accept13 the13 impact13 of13 your13 grades13 and13 test13 scores13

2 13 Research13 your13 options-shy‐there13 are13 several13 different13 paths13 that13 can13 lead13 to13 the13 same13 goal13 13 If13 you13 do13 not13 have13 the13 academic13 record13 that13 allows13 you13 to13 pursue13 your13 first13 option13 make13 another13 plan13 to13 reach13 your13 eventual13 goal13 13 Do13 not13 let13 past13 decisions13 dictate13 your13 path13

3 13 Make13 sure13 you13 are13 communicating13 with13 all13 the13 people13 who13 are13 important13 to13 this13 decision13 making13 process13 13 That13 includes13 parents13 grandparents13 counselors13 teachers13 friends13 college13 reps13 and13 financial13 aid13 experts13 13 Use13 all13 the13 resources13 available13 to13 you13

4 13 Choose13 where13 you13 will13 apply13 and13 attend13 college13 13 Every13 school13 has13 both13 positive13 and13 negative13 factors13 13 You13 must13 choose13 from13 the13 available13 possibilities13 that13 are13 best13 suited13 for13 you13

13 What13 do13 Colleges13 look13 for13 in13 a13 student13 13 1 13 Your13 academic13 record13 is13 your13 introduction13 to13 the13 college13 admissions13 staff13 13 They13 will13 consider13 the13 difficulty13 and13 variety13 of13 the13 courses13 you13 took13 13 Senior13 grades13 and13 courses13 are13 important13

2 13 Standardized13 test13 scores-shy‐ACT13 13 SAT13 13 13 As13 you13 research13 colleges13 make13 note13 of13 the13 test13 required13 by13 each13 school13 13 Record13 the13 information13 on13 the13 spreadsheet13 and13 sign13 up13 for13 the13 correct13 tests13 for13 the13 colleges13 you13 are13 considering13 13 You13 should13 have13 all13 testing13 done13 by13 December13 of13 your13 Senior13 year13

3 13 Counselor13 and13 teacher13 recommendations13 are13 also13 important13 factors13 13 Provide13 each13 with13 a13 resume13 of13 your13 accomplishments13

4 13 Your13 non13 academic13 activities13 and13 accomplishments13 both13 in13 school13 and13 out13 5 13 You13 application13 form-shy‐present13 the13 best13 picture13 of13 yourself13 13 Be13 complete13 6 Who13 am13 I13 and13 what13 are13 my13 uniques13 interests13 aptitudes13 and13 skills13 13 13 13 13 13 13

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

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28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 5: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 213

ACT13 Testing13 2015-shy‐201613 Dates13 amp13 Deadlines13 13

Test13 Date13 Registration13 Deadline13

Late13 Regist13 (+Late13 Fee)13

Sept13 1213 Aug13 713 Aug13 8-shy‐2113 Oct13 2413 Sept13 1813 Sept13 19-shy‐Oct13 213 Dec13 1213 Nov13 613 Nov13 7-shy‐2013 Feb13 613 Jan13 813 Jan13 9-shy‐1513 April13 913 Mar13 413 Mar13 5-shy‐1813 June13 1113 May13 613 May13 7-shy‐2013

All13 national13 tests13 are13 given13 at13 Bolton13 except13 Sept13 amp13 June13 13 June13 201613 is13 the13 final13 ACT13 to13 qualify13 for13 the13 HOPE13 Lottery13 (2113 on13 ACT13 or13 3013 GPA)13 13 To13 register13 go13 to13 wwwactstudentorg13 13 ACT13 (No13 writing)13 13 13 13 13 $395013 13 ACT13 Plus13 Writing13 $565013 13 Students13 on13 fee13 waiver13 may13 receive13 two13 ACT13 fee13 waivers13 (see13 counselor13 for13 waiver)13 13 13 SAT13 Testing13 Dates13 and13 Deadlines13 may13 be13 found13 at13 wwwcollegeboardorg13 13 ACT13 Test13 Prep13 1 Free13 online13 test13 prep13 at13 wwwactstudentorg13 wwwsparknotescom13 wwwnumber2com13 www4testscomact13 wwwkaptestcom13 wwwprincetonreviewcom13

2 Purchase13 test13 prep13 materials13 such13 as13 The13 Real13 ACT13 Prep13 Guide13 3 Attend13 free13 or13 fee-shy‐based13 test13 prep13 tutoring13 (fee-shy‐based13 at13 Singleton13 Community13 Center13 Jane13 Ross13 Tutoring13 Kaplan)13

13 313

CLASS OF 2016 SENIOR INFORMATION Bolton High School CEEB School Code 430-040

Graduation Requirements In order for a student to receive a diploma AND participate in graduation heshe must meet requirements as outlined in the Tennessee Diploma Project Plan A copy of the requirements is included on the back of the Senior Checklist Transcripts Transcripts are processed on Thursdays-From 10-2pm Plan ahead and submit your transcript request before this processing time because last minute requests cannot be processed quickly

1 To order an official transcript students must complete their Transcript Request Card located (in small metal file) inside front door of guidance Your name is already on a card so find it in the alphabetical file Your ACTSAT scores are on your transcript

2 Electronic Transcripts-Students must use the Transcript Request Card to request electronic transcripts E-mailed requests will not be processed EX Students who use the Common Application Univ of Memphis Tiger Select application NCAA etc must fill out the Transcript request Card to order an electronic transcript

3 Students get their first transcript free and then must pay $6 each when ordering Cash or money order to Bolton HS Please have exact change Official transcripts are mailed directly to the college Please have the correct address to your collegersquos Admissions Office

4 Official transcripts are not given to students (unless submitting a scholarship packet) they must be mailed from BHS to your college Any transcript copy you receive in English class may not be sent to colleges

5 Your Final Official Transcript (upon graduation) will be sent free of charge to ONE school and you will request it when the counselors are in English classes in late April

College and Career Center The College and Career Center is located in room M212 which is across from guidance It is open to all students but Wednesdays in the fall are reserved as ldquoSenior Onlyrdquo days Students may complete online interest and career inventories research majors careers scholarships and colleges take an online campus tour complete college and scholarship applications The centerrsquos weekly hours will be posted in the SeniorJunior newsletter every week Students must have a hall pass from their teacher Hall Talk Session The counselors will meet with each student during their senior English class period Students will be prepared to discuss post high school plans with the counselor The counselor will give each student a Next Step Checklist which will help the student know what to do next Walk-In Wednesdays Every Wednesday the College and Career Center will be open for Senior for collegecareer research completing applications etc Students must have a Walk-In Wed hall pass (available in guidance) signed by their teacher Students may only attend during a study hall period or during a class which is NOT REQUIRED for graduation (or with the teacherrsquos permission College Visit Days BHS allows seniors 3 College Visit Days during your senior year (juniors are allowed 2 days) These days count as an ldquoexcused-field triprdquo and do not count against your exam exemption if you follow the correct procedure Go online on the college website and register for a visit day At the end of

13 413

your tour get confirmation of your college visit from the admissions staff on college letterhead Not acceptable-business cards of admissions rep college booklets Faxes parent notes and e-mails are also not accepted Bring this confirmation letter to your first period teacher and the teacher will submit it to attendance No college visits will be allowed the day before prom or in the month of May (unless approved by an administrator) Recommendation Letters (LOR-Letter of Recommendation) Please submit your UPDATED Senior Resumersquo to your English teacher by the teacherrsquos deadline or directly to guidance It is a required document for a recommendation request A counselor requires a senior resumersquo before writing an LOR You should choose teachers (within the past two years) who know you best You should provide a copy of your Senior Resumersquo to everyone who writes a recommendation letter for you Please give as much notice as possible (2+weeks) when requesting a letter of recommendation A quickly written letter of rec is generally not one that you want to have sent on your behalf ScholarshipsFinancial Aid 1 Read your Senior Message and listen to morning announcements for scholarship info 2 The Hope Lottery Scholarship is for use at TN colleges ONLY Students must have a 30 GPA

OR 21 ACT The amount varies 4 year colleges freshman and sophomore years (1750 per semester) and junior and senior year (2250 per semester) +$1000 per year if you have a 375 (can be weighted) AND a 29 ACT MORE info at wwwcollegepaystnorg

2 year colleges- $1000 per semester for three semesters a year (incl Summer) 3 Complete a free on-line scholarship search and apply for national scholarships (more info listed) 4 Look for scholarships available through school communitychurch local organizations parentrsquos

employer Applying for scholarships begins in the fall through the spring 5 Attend Financial Aid Night with parent on Tuesday Dec 1st from 6-700pm in theatre College Rep Visits at Bolton College recruiters and military recruiters will visit BHS throughout the school year Seniors who meet the collegersquos admissions requirements are encouraged to attend but must make up missed work Students may not attend if they are testing or failing a course Students must come to guidance to sign up at least two days prior to the session Students may only attend 3 sessions per semester unless approved by Ms Sisk or Mr Smith Parents are also encouraged to attend these sessions (sign-in at main office) ACT and SAT Testing Dates for the ACT and SAT are posted in Senior English classes on the guidance bulletin boards and on-line Students must register on-line at wwwactstudentorg For SAT I and II tests you must register on-line at wwwcollegeboardorg13 Colleges will use the highest ACT or SAT score posted on your transcript Remember to put the BHS CEEB school code on your registration form 430-040 Bolton administers the ACT on four national test dates (not Sept and June) Our ACT testing center code is 165790 ASVAB Testing Students who are entering into the military (ROTC uses ACT) are required to take the ASVAB test This free test will be given at Bolton twice a year on Sept 23rd and late Feb Be careful about repeatedly taking this test for the most recent ASVAB score is the score that is used not necessarily the highest score but the score on the most recent ASVAB Sign up in guidance

13 513

NCAA Clearinghouse ANY senior that plans on participating in athletics at a Division I or II college or university MUST be eligible through the NCAA Clearinghouse You must go to the website httpsweb1ncaaorgeligibilitycentercommon Complete the application and request a transcript from guidance A transcript will be sent then and after graduation Fee waivers are given to ACT fee waiver students so see Ms Sisk if you qualify All ACT scores should be sent directly to NCAA (code 9999)-Add this code when your register for the ACT College Acceptance Letters and Scholarship Award Letters Please bring ALL letters to Ms Sisk or Mr Smith in Guidance or send them electronically via e-mail We will make a copy and return the original to you We need copies of all offers even if you do not plan to attend that specific college OR if you do not plan to accept a scholarship offering This information is VERY IMPORTANT for several reasons 1 We want to celebrate with you in your accomplishments (Friday Senior Announcement and Senior Banner Board) 2 This is the ONLY way to make sure these accomplishments (scholarships) are recognized in the Graduation Program 3 This information is needed for both district and state reports Senior Yearbook Deadlines Holland Senior Portrait Deadline Oct 25th Senior Ad $$ amp Contract Deadline Oct 9th

Baby Picture Deadline Nov 6th Senior Ad Picture + Message Deadline Nov 13th Yearbook Cost TBA Graduation Invitations Invitations and other graduation supplies may be purchased (optional) through Balfour A deposit of approx $60 will be required when you place your order An informational meeting will be on October 29th in the theatre At (830am girls and boys will follow) Caps and Gowns Caps and Gowns will be ordered second semester before spring break Approx $90 is required with your order No fee waivers are available for this optional event The cap gown and stole are kept by the student All gowns are Bolton blue Diplomas Diplomas will be printed using your legal name (middle initial only) printed on your birth certificate If this name is incorrect CHANGE IT NOW After you legally change your name bring a copy of your birth certificate to Mrs Cupples in attendance so the school can change your records Graduation Activities ALL events are at Bellevue Baptist Church Guidelines for acceptable dress will be given to students prior to graduation Baccalaureate Graduation Rehearsal Graduation Optional event Required for grad Ceremony Optional event Sun May 15 2016 Fri May 20 2016 Sat May 21 2016 Time 400pm Time 730 am (morning) Time 300 pm Wear cap and gown Wear Bolton shirt (dress code) Cap and Gown PROJECT GRADUATION WILL BE SAT MAY 20th FROM 11PM-5AM ALL NIGHT GAMES FOOD AND PRIZES

13 613

Requirements13 for13 Students13 Beginning13 High13 School13 in13 Fall13 200913

Total13 Credits13 Required13 2213

Math13 413 Credits13 13 -shy‐13 Including13 Algebra13 I13 II13 Geometry13 and13 a13 fourth13 higher13 level13 math13 course13

Science13 313 Credits13 -shy‐13 Including13 Biology13 Chemistry13 or13 Physics13 and13 a13 third13 lab13 course13

English13 413 Credits13

Social13 Studies13 313 Credits13

Physical13 Education13 And13 Wellness13 1513 Credits13

Personal13 Finance13 0513 Credits13

Foreign13 Language13 213 Credits13 Fine13 Arts13 113 Credit13 -shy‐13 May13 be13 waived13 for13 students13 not13 going13 to13 a13 University13 to13 expand13 and13 enhance13 the13 elective13 focus13

Elective13 Focus13 313 Credits13 -shy‐13 Math13 and13 Science13 Career13 and13 Technical13 Education13 Fine13 Arts13 Humanities13 Advanced13 Placement13 (AP)13 or13 International13 Baccalaureate13 (IB)13

13

13 713

13

Diploma13 amp13 Seal13 Options13 Requirements13 Regular13 SCS13 Diploma13 2213 units13 of13 specified13 credits13 Capstone13 recommended13

13 13

bull English13 413 units13 (taken13 sequentially)13 bull Mathematics13 413 units13 (one13 year13 of13 math13 in13 grades13 9-shy‐1213 must13 complete13 Alg113 Alg213 Geo13 and13 a13 higher13 level13 math)13 13 bull Science13 313 units13 (Must13 complete13 Biology13 113 Chemistry13 or13 Physics13 and13 a13 third13 level13 lab13 science13 in13 high13 school)13 bull Social13 Studies13 313 units13 (to13 include13 U13 S13 History13 Economics13 U13 S13 Government13 World13 History13 13 Geography)13 bull Wellness13 113 unit13 13 bull Physical13 Education13 0513 unit13 13 bull Personal13 Finance13 0513 unit13 bull Elective13 Focus13 -shy‐13 313 units13 13 bull Foreign13 Language13 (213 units13 of13 the13 same13 language13 while13 in13 high13 school)13 bull Fine13 Arts13 113 unit13 13 bull Computer13 Education13 ndash13 113 year13 of13 computer13 education13 during13 studentrsquos13 educational13 career13

Special13 Education13 Diploma13

13

Awarded at the end of the fourth year of high school to students with disabilities who have bull Not met the requirements for a regular SCS high school diploma bull Successfully completed an Individual Education Plan (IEP) bull Satisfactory records of attendance and conduct

Note Students who receive a Special Education Diploma may13 continue13 to13 work13 towards13 the13 high13 school13 diploma13 through13 the13 end13 of13 the13 school13 year13 in13 which13 they13 turn13 twenty-shy‐two13 years13 old

Tennessee13 Graduate13 13 With13 Honors13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must score13 at13 or13 above13 all13 of13 the13 subject13 area13 readiness13 benchmarks13 on13 the13 ACT13 (or13 equivalent13 scores13 on13 SAT)13

bull English13 1813 13 13 13 13 13 13 13 13 13 13 bull Reading13 2213 13 13 13 13 13 13 13 13 13 bull Math13 2213 13 13 13 13 13 13 13 13 13 bull Science13 2313 httpwwwactorgsolutionscollege-shy‐career-shy‐readinesscollege-shy‐readiness-shy‐benchmarks13

13

Tennessee13 Graduate13 13 With13 Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must have a B average and at least of the following bull Earn a nationally recognized industry certification bull Participate in at least one of the Governorrsquos Schools bull Participate in one of the statersquos All State musical organizations bull Be selected as a National Merit Finalist or Semi-Finalist bull Attain a composite score of 31 or higher on the ACT or 1360 on the SAT bull Attain a score of 3 or higher on at least two advanced placement exams bull Successfully complete the International Baccalaureate Diploma Programme bull Earn 12 or more semester hours of transcripted postsecondary credit

Tennessee13 Graduate13 13 With13 Honors13 and13

Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements13 student13 must13 meet13 requirements13 for13 both13 Tennessee13 Honors13 and13 Tennessee13 Distinction13

Designation13 of13 Exemplary13 Recognition13 (in13 addition13 to13 meeting13 regular13 SCS13 diploma13 requirements)13 13 This13 special13 recognition13 will13 be13 printed13 on13 the13 diploma13 and13 the13 transcript13 for13 any13 student13 who13 qualifies13 13

bull Must13 have13 earned13 twelve13 (12)13 Honors13 or13 Advanced13 Placement13 credits13 (any13 combination)13 in13 Grades13 913 -shy‐1213 or13 a13 combination13 of13 such13 credits13 totaling13 twelve13 (12)13 with13 each13 Advanced13 Placement13 credit13 equal13 to13 1513 honors13 credits13 13

bull A13 minimum13 of13 two13 (2)13 Honors13 or13 Advanced13 Placement13 courses13 is13 required13 during13 the13 senior13 year13 13 13 bull Designation13 of13 Exemplary13 Recognition13 will13 be13 printed13 on13 the13 diploma13 and13 final13 high13 school13 transcript13 for13 qualified13 students13

s

hel

by co

unty schools

EST 1867

s

hel

by co

unty schools

EST 1867

13 813

Planning13 13 Your13 Future13 13 13 13 13 Once13 upon13 a13 timehappily13 ever13 after13 13 The13 dots13 in13 the13 middle13 represent13 your13 life13 up13 to13 now13 13 This13 year13 a13 new13 phase13 of13 your13 life13 begins13 and13 we13 hope13 it13 leads13 to13 ldquohappily13 ever13 afterrdquo13 13 What13 does13 happily13 ever13 after13 look13 like13 13 That13 of13 course13 is13 different13 for13 each13 student13 and13 that13 is13 where13 your13 hard13 work13 will13 pay13 off13 13 It13 is13 comforting13 to13 know13 that13 you13 can13 affect13 this13 outcome13 and13 in13 many13 cases13 it13 is13 directly13 tied13 to13 the13 work13 that13 you13 do13 now13 and13 the13 time13 you13 invest13 now13 in13 planning13 your13 future13 13 We13 look13 forward13 to13 walking13 this13 path13 with13 you13 13 The13 School13 Counseling13 Department13 including13 the13 Grade13 Level13 Counselor13 the13 College13 and13 Career13 Counselor13 the13 IB13 Counselor13 and13 the13 Administrative13 Staff13 is13 ready13 to13 help13 you13 carry13 out13 your13 plans13 and13 achieve13 your13 post13 high13 school13 goals13 13 Letrsquos13 get13 started13 13 Be13 prepared13 for13 one13 of13 the13 busiest13 times13 of13 your13 life13 13 This13 booklet13 will13 give13 you13 information13 on13 each13 of13 the13 steps13 listed13 below13 13 Each13 one13 is13 needed13 as13 you13 develop13 your13 plan13 for13 your13 ldquoever13 afterrdquo13 13 13 13 13 13 113 13 Take13 a13 self-shy‐assessment13 and13 or13 interest13 inventory13 to13 help13 you13 set13 realistic13 13 13 13 13 13 13 13 13 13 goals13 13 213 13 Develop13 or13 update13 your13 resume13 13 313 13 Research13 3-shy‐513 post13 high13 school13 opportunities13 including13 colleges13 military13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 world13 or13 work13 apprenticeship13 and13 training13 programs13 13 413 13 Have13 a13 realistic13 conversation13 with13 your13 parents13 about13 your13 financial13 needs13 13 13 13 13 13 13 13 and13 or13 capabilities13 13 Do13 you13 need13 to13 work13 and13 go13 to13 school13 13 Do13 you13 need13 13 13 13 13 13 13 13 scholarships13 13 Do13 you13 qualify13 for13 need-shy‐based13 scholarships13 such13 as13 the13 Pell13 13 13 13 13 13 13 13 Grant13 13 Can13 your13 parents13 provide13 all13 financial13 assistance13 needed13 to13 finance13 13 13 13 13 13 13 13 the13 next13 phase13 of13 your13 life13 13 513 13 Research13 scholarship13 databases13 to13 determine13 criteria13 and13 if13 you13 qualify13 13 613 13 Make13 copies13 of13 everything13 you13 do13 and13 set13 up13 an13 organized13 system13 to13 track13 13 13 13 13 13 13 13 applications13 and13 other13 materials13 required13 to13 accomplish13 your13 goal13 13 713 13 Be13 aware13 of13 deadlines13 for13 applications13 college13 entrance13 tests13 preview13 days13 13 13 13 13 13 13 13 financial13 aid13 and13 job13 applications13 13 813 13 Begin13 asking13 teachers13 employers13 clergy13 coaches13 or13 other13 significant13 13 13 13 13 13 13 13 13 13 adults13 to13 write13 letters13 of13 recommendation13 you13 may13 need13 9 Complete13 and13 submit13 the13 FAFSA13 (Free13 Application13 for13 Federal13 Student13 Aid)13 13 13 13 13 13 13 13 as13 soon13 as13 possible13 on13 January13 113 201613 13 Priority13 Deadline13 13 131201613 13 13 13 13 13 13 13 13

13 913

Planning13 13 Things13 to13 Consider13 13 13 13 Going13 to13 college13 is13 one13 of13 the13 options13 available13 to13 you13 as13 you13 pursue13 your13 career13 plans13 13 A13 certain13 amount13 of13 planning13 is13 required13 13 Part13 of13 that13 planning13 has13 already13 taken13 place13 in13 the13 courses13 you13 selected13 for13 high13 school13 and13 the13 grades13 you13 made13 in13 each13 13 Choosing13 a13 college13 is13 a13 serious13 decision13 but13 you13 also13 want13 to13 enjoy13 the13 process13 and13 enjoy13 your13 senior13 year13 13 It13 is13 just13 one13 of13 a13 series13 of13 decisions13 that13 will13 help13 you13 move13 toward13 your13 goals13 13 Be13 calm13 and13 businesslike13 in13 your13 approach13 and13 avoid13 stress13 and13 a13 frantic13 approach13 13 You13 are13 doing13 something13 positive13 and13 you13 should13 enjoy13 it13 13 Here13 are13 a13 few13 hints13 to13 help13 you13 make13 this13 important13 decision13 13 1 13 Know13 yourself13 well-shy‐your13 strengths13 weaknesses13 likes13 dislikes13 hopes13 and13 dreams13 13 We13 have13 included13 some13 questions13 below13 to13 help13 you13 develop13 a13 clear13 picture13 13 You13 must13 also13 understand13 and13 accept13 the13 impact13 of13 your13 grades13 and13 test13 scores13

2 13 Research13 your13 options-shy‐there13 are13 several13 different13 paths13 that13 can13 lead13 to13 the13 same13 goal13 13 If13 you13 do13 not13 have13 the13 academic13 record13 that13 allows13 you13 to13 pursue13 your13 first13 option13 make13 another13 plan13 to13 reach13 your13 eventual13 goal13 13 Do13 not13 let13 past13 decisions13 dictate13 your13 path13

3 13 Make13 sure13 you13 are13 communicating13 with13 all13 the13 people13 who13 are13 important13 to13 this13 decision13 making13 process13 13 That13 includes13 parents13 grandparents13 counselors13 teachers13 friends13 college13 reps13 and13 financial13 aid13 experts13 13 Use13 all13 the13 resources13 available13 to13 you13

4 13 Choose13 where13 you13 will13 apply13 and13 attend13 college13 13 Every13 school13 has13 both13 positive13 and13 negative13 factors13 13 You13 must13 choose13 from13 the13 available13 possibilities13 that13 are13 best13 suited13 for13 you13

13 What13 do13 Colleges13 look13 for13 in13 a13 student13 13 1 13 Your13 academic13 record13 is13 your13 introduction13 to13 the13 college13 admissions13 staff13 13 They13 will13 consider13 the13 difficulty13 and13 variety13 of13 the13 courses13 you13 took13 13 Senior13 grades13 and13 courses13 are13 important13

2 13 Standardized13 test13 scores-shy‐ACT13 13 SAT13 13 13 As13 you13 research13 colleges13 make13 note13 of13 the13 test13 required13 by13 each13 school13 13 Record13 the13 information13 on13 the13 spreadsheet13 and13 sign13 up13 for13 the13 correct13 tests13 for13 the13 colleges13 you13 are13 considering13 13 You13 should13 have13 all13 testing13 done13 by13 December13 of13 your13 Senior13 year13

3 13 Counselor13 and13 teacher13 recommendations13 are13 also13 important13 factors13 13 Provide13 each13 with13 a13 resume13 of13 your13 accomplishments13

4 13 Your13 non13 academic13 activities13 and13 accomplishments13 both13 in13 school13 and13 out13 5 13 You13 application13 form-shy‐present13 the13 best13 picture13 of13 yourself13 13 Be13 complete13 6 Who13 am13 I13 and13 what13 are13 my13 uniques13 interests13 aptitudes13 and13 skills13 13 13 13 13 13 13

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
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13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 6: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 313

CLASS OF 2016 SENIOR INFORMATION Bolton High School CEEB School Code 430-040

Graduation Requirements In order for a student to receive a diploma AND participate in graduation heshe must meet requirements as outlined in the Tennessee Diploma Project Plan A copy of the requirements is included on the back of the Senior Checklist Transcripts Transcripts are processed on Thursdays-From 10-2pm Plan ahead and submit your transcript request before this processing time because last minute requests cannot be processed quickly

1 To order an official transcript students must complete their Transcript Request Card located (in small metal file) inside front door of guidance Your name is already on a card so find it in the alphabetical file Your ACTSAT scores are on your transcript

2 Electronic Transcripts-Students must use the Transcript Request Card to request electronic transcripts E-mailed requests will not be processed EX Students who use the Common Application Univ of Memphis Tiger Select application NCAA etc must fill out the Transcript request Card to order an electronic transcript

3 Students get their first transcript free and then must pay $6 each when ordering Cash or money order to Bolton HS Please have exact change Official transcripts are mailed directly to the college Please have the correct address to your collegersquos Admissions Office

4 Official transcripts are not given to students (unless submitting a scholarship packet) they must be mailed from BHS to your college Any transcript copy you receive in English class may not be sent to colleges

5 Your Final Official Transcript (upon graduation) will be sent free of charge to ONE school and you will request it when the counselors are in English classes in late April

College and Career Center The College and Career Center is located in room M212 which is across from guidance It is open to all students but Wednesdays in the fall are reserved as ldquoSenior Onlyrdquo days Students may complete online interest and career inventories research majors careers scholarships and colleges take an online campus tour complete college and scholarship applications The centerrsquos weekly hours will be posted in the SeniorJunior newsletter every week Students must have a hall pass from their teacher Hall Talk Session The counselors will meet with each student during their senior English class period Students will be prepared to discuss post high school plans with the counselor The counselor will give each student a Next Step Checklist which will help the student know what to do next Walk-In Wednesdays Every Wednesday the College and Career Center will be open for Senior for collegecareer research completing applications etc Students must have a Walk-In Wed hall pass (available in guidance) signed by their teacher Students may only attend during a study hall period or during a class which is NOT REQUIRED for graduation (or with the teacherrsquos permission College Visit Days BHS allows seniors 3 College Visit Days during your senior year (juniors are allowed 2 days) These days count as an ldquoexcused-field triprdquo and do not count against your exam exemption if you follow the correct procedure Go online on the college website and register for a visit day At the end of

13 413

your tour get confirmation of your college visit from the admissions staff on college letterhead Not acceptable-business cards of admissions rep college booklets Faxes parent notes and e-mails are also not accepted Bring this confirmation letter to your first period teacher and the teacher will submit it to attendance No college visits will be allowed the day before prom or in the month of May (unless approved by an administrator) Recommendation Letters (LOR-Letter of Recommendation) Please submit your UPDATED Senior Resumersquo to your English teacher by the teacherrsquos deadline or directly to guidance It is a required document for a recommendation request A counselor requires a senior resumersquo before writing an LOR You should choose teachers (within the past two years) who know you best You should provide a copy of your Senior Resumersquo to everyone who writes a recommendation letter for you Please give as much notice as possible (2+weeks) when requesting a letter of recommendation A quickly written letter of rec is generally not one that you want to have sent on your behalf ScholarshipsFinancial Aid 1 Read your Senior Message and listen to morning announcements for scholarship info 2 The Hope Lottery Scholarship is for use at TN colleges ONLY Students must have a 30 GPA

OR 21 ACT The amount varies 4 year colleges freshman and sophomore years (1750 per semester) and junior and senior year (2250 per semester) +$1000 per year if you have a 375 (can be weighted) AND a 29 ACT MORE info at wwwcollegepaystnorg

2 year colleges- $1000 per semester for three semesters a year (incl Summer) 3 Complete a free on-line scholarship search and apply for national scholarships (more info listed) 4 Look for scholarships available through school communitychurch local organizations parentrsquos

employer Applying for scholarships begins in the fall through the spring 5 Attend Financial Aid Night with parent on Tuesday Dec 1st from 6-700pm in theatre College Rep Visits at Bolton College recruiters and military recruiters will visit BHS throughout the school year Seniors who meet the collegersquos admissions requirements are encouraged to attend but must make up missed work Students may not attend if they are testing or failing a course Students must come to guidance to sign up at least two days prior to the session Students may only attend 3 sessions per semester unless approved by Ms Sisk or Mr Smith Parents are also encouraged to attend these sessions (sign-in at main office) ACT and SAT Testing Dates for the ACT and SAT are posted in Senior English classes on the guidance bulletin boards and on-line Students must register on-line at wwwactstudentorg For SAT I and II tests you must register on-line at wwwcollegeboardorg13 Colleges will use the highest ACT or SAT score posted on your transcript Remember to put the BHS CEEB school code on your registration form 430-040 Bolton administers the ACT on four national test dates (not Sept and June) Our ACT testing center code is 165790 ASVAB Testing Students who are entering into the military (ROTC uses ACT) are required to take the ASVAB test This free test will be given at Bolton twice a year on Sept 23rd and late Feb Be careful about repeatedly taking this test for the most recent ASVAB score is the score that is used not necessarily the highest score but the score on the most recent ASVAB Sign up in guidance

13 513

NCAA Clearinghouse ANY senior that plans on participating in athletics at a Division I or II college or university MUST be eligible through the NCAA Clearinghouse You must go to the website httpsweb1ncaaorgeligibilitycentercommon Complete the application and request a transcript from guidance A transcript will be sent then and after graduation Fee waivers are given to ACT fee waiver students so see Ms Sisk if you qualify All ACT scores should be sent directly to NCAA (code 9999)-Add this code when your register for the ACT College Acceptance Letters and Scholarship Award Letters Please bring ALL letters to Ms Sisk or Mr Smith in Guidance or send them electronically via e-mail We will make a copy and return the original to you We need copies of all offers even if you do not plan to attend that specific college OR if you do not plan to accept a scholarship offering This information is VERY IMPORTANT for several reasons 1 We want to celebrate with you in your accomplishments (Friday Senior Announcement and Senior Banner Board) 2 This is the ONLY way to make sure these accomplishments (scholarships) are recognized in the Graduation Program 3 This information is needed for both district and state reports Senior Yearbook Deadlines Holland Senior Portrait Deadline Oct 25th Senior Ad $$ amp Contract Deadline Oct 9th

Baby Picture Deadline Nov 6th Senior Ad Picture + Message Deadline Nov 13th Yearbook Cost TBA Graduation Invitations Invitations and other graduation supplies may be purchased (optional) through Balfour A deposit of approx $60 will be required when you place your order An informational meeting will be on October 29th in the theatre At (830am girls and boys will follow) Caps and Gowns Caps and Gowns will be ordered second semester before spring break Approx $90 is required with your order No fee waivers are available for this optional event The cap gown and stole are kept by the student All gowns are Bolton blue Diplomas Diplomas will be printed using your legal name (middle initial only) printed on your birth certificate If this name is incorrect CHANGE IT NOW After you legally change your name bring a copy of your birth certificate to Mrs Cupples in attendance so the school can change your records Graduation Activities ALL events are at Bellevue Baptist Church Guidelines for acceptable dress will be given to students prior to graduation Baccalaureate Graduation Rehearsal Graduation Optional event Required for grad Ceremony Optional event Sun May 15 2016 Fri May 20 2016 Sat May 21 2016 Time 400pm Time 730 am (morning) Time 300 pm Wear cap and gown Wear Bolton shirt (dress code) Cap and Gown PROJECT GRADUATION WILL BE SAT MAY 20th FROM 11PM-5AM ALL NIGHT GAMES FOOD AND PRIZES

13 613

Requirements13 for13 Students13 Beginning13 High13 School13 in13 Fall13 200913

Total13 Credits13 Required13 2213

Math13 413 Credits13 13 -shy‐13 Including13 Algebra13 I13 II13 Geometry13 and13 a13 fourth13 higher13 level13 math13 course13

Science13 313 Credits13 -shy‐13 Including13 Biology13 Chemistry13 or13 Physics13 and13 a13 third13 lab13 course13

English13 413 Credits13

Social13 Studies13 313 Credits13

Physical13 Education13 And13 Wellness13 1513 Credits13

Personal13 Finance13 0513 Credits13

Foreign13 Language13 213 Credits13 Fine13 Arts13 113 Credit13 -shy‐13 May13 be13 waived13 for13 students13 not13 going13 to13 a13 University13 to13 expand13 and13 enhance13 the13 elective13 focus13

Elective13 Focus13 313 Credits13 -shy‐13 Math13 and13 Science13 Career13 and13 Technical13 Education13 Fine13 Arts13 Humanities13 Advanced13 Placement13 (AP)13 or13 International13 Baccalaureate13 (IB)13

13

13 713

13

Diploma13 amp13 Seal13 Options13 Requirements13 Regular13 SCS13 Diploma13 2213 units13 of13 specified13 credits13 Capstone13 recommended13

13 13

bull English13 413 units13 (taken13 sequentially)13 bull Mathematics13 413 units13 (one13 year13 of13 math13 in13 grades13 9-shy‐1213 must13 complete13 Alg113 Alg213 Geo13 and13 a13 higher13 level13 math)13 13 bull Science13 313 units13 (Must13 complete13 Biology13 113 Chemistry13 or13 Physics13 and13 a13 third13 level13 lab13 science13 in13 high13 school)13 bull Social13 Studies13 313 units13 (to13 include13 U13 S13 History13 Economics13 U13 S13 Government13 World13 History13 13 Geography)13 bull Wellness13 113 unit13 13 bull Physical13 Education13 0513 unit13 13 bull Personal13 Finance13 0513 unit13 bull Elective13 Focus13 -shy‐13 313 units13 13 bull Foreign13 Language13 (213 units13 of13 the13 same13 language13 while13 in13 high13 school)13 bull Fine13 Arts13 113 unit13 13 bull Computer13 Education13 ndash13 113 year13 of13 computer13 education13 during13 studentrsquos13 educational13 career13

Special13 Education13 Diploma13

13

Awarded at the end of the fourth year of high school to students with disabilities who have bull Not met the requirements for a regular SCS high school diploma bull Successfully completed an Individual Education Plan (IEP) bull Satisfactory records of attendance and conduct

Note Students who receive a Special Education Diploma may13 continue13 to13 work13 towards13 the13 high13 school13 diploma13 through13 the13 end13 of13 the13 school13 year13 in13 which13 they13 turn13 twenty-shy‐two13 years13 old

Tennessee13 Graduate13 13 With13 Honors13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must score13 at13 or13 above13 all13 of13 the13 subject13 area13 readiness13 benchmarks13 on13 the13 ACT13 (or13 equivalent13 scores13 on13 SAT)13

bull English13 1813 13 13 13 13 13 13 13 13 13 13 bull Reading13 2213 13 13 13 13 13 13 13 13 13 bull Math13 2213 13 13 13 13 13 13 13 13 13 bull Science13 2313 httpwwwactorgsolutionscollege-shy‐career-shy‐readinesscollege-shy‐readiness-shy‐benchmarks13

13

Tennessee13 Graduate13 13 With13 Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must have a B average and at least of the following bull Earn a nationally recognized industry certification bull Participate in at least one of the Governorrsquos Schools bull Participate in one of the statersquos All State musical organizations bull Be selected as a National Merit Finalist or Semi-Finalist bull Attain a composite score of 31 or higher on the ACT or 1360 on the SAT bull Attain a score of 3 or higher on at least two advanced placement exams bull Successfully complete the International Baccalaureate Diploma Programme bull Earn 12 or more semester hours of transcripted postsecondary credit

Tennessee13 Graduate13 13 With13 Honors13 and13

Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements13 student13 must13 meet13 requirements13 for13 both13 Tennessee13 Honors13 and13 Tennessee13 Distinction13

Designation13 of13 Exemplary13 Recognition13 (in13 addition13 to13 meeting13 regular13 SCS13 diploma13 requirements)13 13 This13 special13 recognition13 will13 be13 printed13 on13 the13 diploma13 and13 the13 transcript13 for13 any13 student13 who13 qualifies13 13

bull Must13 have13 earned13 twelve13 (12)13 Honors13 or13 Advanced13 Placement13 credits13 (any13 combination)13 in13 Grades13 913 -shy‐1213 or13 a13 combination13 of13 such13 credits13 totaling13 twelve13 (12)13 with13 each13 Advanced13 Placement13 credit13 equal13 to13 1513 honors13 credits13 13

bull A13 minimum13 of13 two13 (2)13 Honors13 or13 Advanced13 Placement13 courses13 is13 required13 during13 the13 senior13 year13 13 13 bull Designation13 of13 Exemplary13 Recognition13 will13 be13 printed13 on13 the13 diploma13 and13 final13 high13 school13 transcript13 for13 qualified13 students13

s

hel

by co

unty schools

EST 1867

s

hel

by co

unty schools

EST 1867

13 813

Planning13 13 Your13 Future13 13 13 13 13 Once13 upon13 a13 timehappily13 ever13 after13 13 The13 dots13 in13 the13 middle13 represent13 your13 life13 up13 to13 now13 13 This13 year13 a13 new13 phase13 of13 your13 life13 begins13 and13 we13 hope13 it13 leads13 to13 ldquohappily13 ever13 afterrdquo13 13 What13 does13 happily13 ever13 after13 look13 like13 13 That13 of13 course13 is13 different13 for13 each13 student13 and13 that13 is13 where13 your13 hard13 work13 will13 pay13 off13 13 It13 is13 comforting13 to13 know13 that13 you13 can13 affect13 this13 outcome13 and13 in13 many13 cases13 it13 is13 directly13 tied13 to13 the13 work13 that13 you13 do13 now13 and13 the13 time13 you13 invest13 now13 in13 planning13 your13 future13 13 We13 look13 forward13 to13 walking13 this13 path13 with13 you13 13 The13 School13 Counseling13 Department13 including13 the13 Grade13 Level13 Counselor13 the13 College13 and13 Career13 Counselor13 the13 IB13 Counselor13 and13 the13 Administrative13 Staff13 is13 ready13 to13 help13 you13 carry13 out13 your13 plans13 and13 achieve13 your13 post13 high13 school13 goals13 13 Letrsquos13 get13 started13 13 Be13 prepared13 for13 one13 of13 the13 busiest13 times13 of13 your13 life13 13 This13 booklet13 will13 give13 you13 information13 on13 each13 of13 the13 steps13 listed13 below13 13 Each13 one13 is13 needed13 as13 you13 develop13 your13 plan13 for13 your13 ldquoever13 afterrdquo13 13 13 13 13 13 113 13 Take13 a13 self-shy‐assessment13 and13 or13 interest13 inventory13 to13 help13 you13 set13 realistic13 13 13 13 13 13 13 13 13 13 goals13 13 213 13 Develop13 or13 update13 your13 resume13 13 313 13 Research13 3-shy‐513 post13 high13 school13 opportunities13 including13 colleges13 military13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 world13 or13 work13 apprenticeship13 and13 training13 programs13 13 413 13 Have13 a13 realistic13 conversation13 with13 your13 parents13 about13 your13 financial13 needs13 13 13 13 13 13 13 13 and13 or13 capabilities13 13 Do13 you13 need13 to13 work13 and13 go13 to13 school13 13 Do13 you13 need13 13 13 13 13 13 13 13 scholarships13 13 Do13 you13 qualify13 for13 need-shy‐based13 scholarships13 such13 as13 the13 Pell13 13 13 13 13 13 13 13 Grant13 13 Can13 your13 parents13 provide13 all13 financial13 assistance13 needed13 to13 finance13 13 13 13 13 13 13 13 the13 next13 phase13 of13 your13 life13 13 513 13 Research13 scholarship13 databases13 to13 determine13 criteria13 and13 if13 you13 qualify13 13 613 13 Make13 copies13 of13 everything13 you13 do13 and13 set13 up13 an13 organized13 system13 to13 track13 13 13 13 13 13 13 13 applications13 and13 other13 materials13 required13 to13 accomplish13 your13 goal13 13 713 13 Be13 aware13 of13 deadlines13 for13 applications13 college13 entrance13 tests13 preview13 days13 13 13 13 13 13 13 13 financial13 aid13 and13 job13 applications13 13 813 13 Begin13 asking13 teachers13 employers13 clergy13 coaches13 or13 other13 significant13 13 13 13 13 13 13 13 13 13 adults13 to13 write13 letters13 of13 recommendation13 you13 may13 need13 9 Complete13 and13 submit13 the13 FAFSA13 (Free13 Application13 for13 Federal13 Student13 Aid)13 13 13 13 13 13 13 13 as13 soon13 as13 possible13 on13 January13 113 201613 13 Priority13 Deadline13 13 131201613 13 13 13 13 13 13 13 13

13 913

Planning13 13 Things13 to13 Consider13 13 13 13 Going13 to13 college13 is13 one13 of13 the13 options13 available13 to13 you13 as13 you13 pursue13 your13 career13 plans13 13 A13 certain13 amount13 of13 planning13 is13 required13 13 Part13 of13 that13 planning13 has13 already13 taken13 place13 in13 the13 courses13 you13 selected13 for13 high13 school13 and13 the13 grades13 you13 made13 in13 each13 13 Choosing13 a13 college13 is13 a13 serious13 decision13 but13 you13 also13 want13 to13 enjoy13 the13 process13 and13 enjoy13 your13 senior13 year13 13 It13 is13 just13 one13 of13 a13 series13 of13 decisions13 that13 will13 help13 you13 move13 toward13 your13 goals13 13 Be13 calm13 and13 businesslike13 in13 your13 approach13 and13 avoid13 stress13 and13 a13 frantic13 approach13 13 You13 are13 doing13 something13 positive13 and13 you13 should13 enjoy13 it13 13 Here13 are13 a13 few13 hints13 to13 help13 you13 make13 this13 important13 decision13 13 1 13 Know13 yourself13 well-shy‐your13 strengths13 weaknesses13 likes13 dislikes13 hopes13 and13 dreams13 13 We13 have13 included13 some13 questions13 below13 to13 help13 you13 develop13 a13 clear13 picture13 13 You13 must13 also13 understand13 and13 accept13 the13 impact13 of13 your13 grades13 and13 test13 scores13

2 13 Research13 your13 options-shy‐there13 are13 several13 different13 paths13 that13 can13 lead13 to13 the13 same13 goal13 13 If13 you13 do13 not13 have13 the13 academic13 record13 that13 allows13 you13 to13 pursue13 your13 first13 option13 make13 another13 plan13 to13 reach13 your13 eventual13 goal13 13 Do13 not13 let13 past13 decisions13 dictate13 your13 path13

3 13 Make13 sure13 you13 are13 communicating13 with13 all13 the13 people13 who13 are13 important13 to13 this13 decision13 making13 process13 13 That13 includes13 parents13 grandparents13 counselors13 teachers13 friends13 college13 reps13 and13 financial13 aid13 experts13 13 Use13 all13 the13 resources13 available13 to13 you13

4 13 Choose13 where13 you13 will13 apply13 and13 attend13 college13 13 Every13 school13 has13 both13 positive13 and13 negative13 factors13 13 You13 must13 choose13 from13 the13 available13 possibilities13 that13 are13 best13 suited13 for13 you13

13 What13 do13 Colleges13 look13 for13 in13 a13 student13 13 1 13 Your13 academic13 record13 is13 your13 introduction13 to13 the13 college13 admissions13 staff13 13 They13 will13 consider13 the13 difficulty13 and13 variety13 of13 the13 courses13 you13 took13 13 Senior13 grades13 and13 courses13 are13 important13

2 13 Standardized13 test13 scores-shy‐ACT13 13 SAT13 13 13 As13 you13 research13 colleges13 make13 note13 of13 the13 test13 required13 by13 each13 school13 13 Record13 the13 information13 on13 the13 spreadsheet13 and13 sign13 up13 for13 the13 correct13 tests13 for13 the13 colleges13 you13 are13 considering13 13 You13 should13 have13 all13 testing13 done13 by13 December13 of13 your13 Senior13 year13

3 13 Counselor13 and13 teacher13 recommendations13 are13 also13 important13 factors13 13 Provide13 each13 with13 a13 resume13 of13 your13 accomplishments13

4 13 Your13 non13 academic13 activities13 and13 accomplishments13 both13 in13 school13 and13 out13 5 13 You13 application13 form-shy‐present13 the13 best13 picture13 of13 yourself13 13 Be13 complete13 6 Who13 am13 I13 and13 what13 are13 my13 uniques13 interests13 aptitudes13 and13 skills13 13 13 13 13 13 13

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
Text Box
28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
Text Box
35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
Text Box
43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 7: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 413

your tour get confirmation of your college visit from the admissions staff on college letterhead Not acceptable-business cards of admissions rep college booklets Faxes parent notes and e-mails are also not accepted Bring this confirmation letter to your first period teacher and the teacher will submit it to attendance No college visits will be allowed the day before prom or in the month of May (unless approved by an administrator) Recommendation Letters (LOR-Letter of Recommendation) Please submit your UPDATED Senior Resumersquo to your English teacher by the teacherrsquos deadline or directly to guidance It is a required document for a recommendation request A counselor requires a senior resumersquo before writing an LOR You should choose teachers (within the past two years) who know you best You should provide a copy of your Senior Resumersquo to everyone who writes a recommendation letter for you Please give as much notice as possible (2+weeks) when requesting a letter of recommendation A quickly written letter of rec is generally not one that you want to have sent on your behalf ScholarshipsFinancial Aid 1 Read your Senior Message and listen to morning announcements for scholarship info 2 The Hope Lottery Scholarship is for use at TN colleges ONLY Students must have a 30 GPA

OR 21 ACT The amount varies 4 year colleges freshman and sophomore years (1750 per semester) and junior and senior year (2250 per semester) +$1000 per year if you have a 375 (can be weighted) AND a 29 ACT MORE info at wwwcollegepaystnorg

2 year colleges- $1000 per semester for three semesters a year (incl Summer) 3 Complete a free on-line scholarship search and apply for national scholarships (more info listed) 4 Look for scholarships available through school communitychurch local organizations parentrsquos

employer Applying for scholarships begins in the fall through the spring 5 Attend Financial Aid Night with parent on Tuesday Dec 1st from 6-700pm in theatre College Rep Visits at Bolton College recruiters and military recruiters will visit BHS throughout the school year Seniors who meet the collegersquos admissions requirements are encouraged to attend but must make up missed work Students may not attend if they are testing or failing a course Students must come to guidance to sign up at least two days prior to the session Students may only attend 3 sessions per semester unless approved by Ms Sisk or Mr Smith Parents are also encouraged to attend these sessions (sign-in at main office) ACT and SAT Testing Dates for the ACT and SAT are posted in Senior English classes on the guidance bulletin boards and on-line Students must register on-line at wwwactstudentorg For SAT I and II tests you must register on-line at wwwcollegeboardorg13 Colleges will use the highest ACT or SAT score posted on your transcript Remember to put the BHS CEEB school code on your registration form 430-040 Bolton administers the ACT on four national test dates (not Sept and June) Our ACT testing center code is 165790 ASVAB Testing Students who are entering into the military (ROTC uses ACT) are required to take the ASVAB test This free test will be given at Bolton twice a year on Sept 23rd and late Feb Be careful about repeatedly taking this test for the most recent ASVAB score is the score that is used not necessarily the highest score but the score on the most recent ASVAB Sign up in guidance

13 513

NCAA Clearinghouse ANY senior that plans on participating in athletics at a Division I or II college or university MUST be eligible through the NCAA Clearinghouse You must go to the website httpsweb1ncaaorgeligibilitycentercommon Complete the application and request a transcript from guidance A transcript will be sent then and after graduation Fee waivers are given to ACT fee waiver students so see Ms Sisk if you qualify All ACT scores should be sent directly to NCAA (code 9999)-Add this code when your register for the ACT College Acceptance Letters and Scholarship Award Letters Please bring ALL letters to Ms Sisk or Mr Smith in Guidance or send them electronically via e-mail We will make a copy and return the original to you We need copies of all offers even if you do not plan to attend that specific college OR if you do not plan to accept a scholarship offering This information is VERY IMPORTANT for several reasons 1 We want to celebrate with you in your accomplishments (Friday Senior Announcement and Senior Banner Board) 2 This is the ONLY way to make sure these accomplishments (scholarships) are recognized in the Graduation Program 3 This information is needed for both district and state reports Senior Yearbook Deadlines Holland Senior Portrait Deadline Oct 25th Senior Ad $$ amp Contract Deadline Oct 9th

Baby Picture Deadline Nov 6th Senior Ad Picture + Message Deadline Nov 13th Yearbook Cost TBA Graduation Invitations Invitations and other graduation supplies may be purchased (optional) through Balfour A deposit of approx $60 will be required when you place your order An informational meeting will be on October 29th in the theatre At (830am girls and boys will follow) Caps and Gowns Caps and Gowns will be ordered second semester before spring break Approx $90 is required with your order No fee waivers are available for this optional event The cap gown and stole are kept by the student All gowns are Bolton blue Diplomas Diplomas will be printed using your legal name (middle initial only) printed on your birth certificate If this name is incorrect CHANGE IT NOW After you legally change your name bring a copy of your birth certificate to Mrs Cupples in attendance so the school can change your records Graduation Activities ALL events are at Bellevue Baptist Church Guidelines for acceptable dress will be given to students prior to graduation Baccalaureate Graduation Rehearsal Graduation Optional event Required for grad Ceremony Optional event Sun May 15 2016 Fri May 20 2016 Sat May 21 2016 Time 400pm Time 730 am (morning) Time 300 pm Wear cap and gown Wear Bolton shirt (dress code) Cap and Gown PROJECT GRADUATION WILL BE SAT MAY 20th FROM 11PM-5AM ALL NIGHT GAMES FOOD AND PRIZES

13 613

Requirements13 for13 Students13 Beginning13 High13 School13 in13 Fall13 200913

Total13 Credits13 Required13 2213

Math13 413 Credits13 13 -shy‐13 Including13 Algebra13 I13 II13 Geometry13 and13 a13 fourth13 higher13 level13 math13 course13

Science13 313 Credits13 -shy‐13 Including13 Biology13 Chemistry13 or13 Physics13 and13 a13 third13 lab13 course13

English13 413 Credits13

Social13 Studies13 313 Credits13

Physical13 Education13 And13 Wellness13 1513 Credits13

Personal13 Finance13 0513 Credits13

Foreign13 Language13 213 Credits13 Fine13 Arts13 113 Credit13 -shy‐13 May13 be13 waived13 for13 students13 not13 going13 to13 a13 University13 to13 expand13 and13 enhance13 the13 elective13 focus13

Elective13 Focus13 313 Credits13 -shy‐13 Math13 and13 Science13 Career13 and13 Technical13 Education13 Fine13 Arts13 Humanities13 Advanced13 Placement13 (AP)13 or13 International13 Baccalaureate13 (IB)13

13

13 713

13

Diploma13 amp13 Seal13 Options13 Requirements13 Regular13 SCS13 Diploma13 2213 units13 of13 specified13 credits13 Capstone13 recommended13

13 13

bull English13 413 units13 (taken13 sequentially)13 bull Mathematics13 413 units13 (one13 year13 of13 math13 in13 grades13 9-shy‐1213 must13 complete13 Alg113 Alg213 Geo13 and13 a13 higher13 level13 math)13 13 bull Science13 313 units13 (Must13 complete13 Biology13 113 Chemistry13 or13 Physics13 and13 a13 third13 level13 lab13 science13 in13 high13 school)13 bull Social13 Studies13 313 units13 (to13 include13 U13 S13 History13 Economics13 U13 S13 Government13 World13 History13 13 Geography)13 bull Wellness13 113 unit13 13 bull Physical13 Education13 0513 unit13 13 bull Personal13 Finance13 0513 unit13 bull Elective13 Focus13 -shy‐13 313 units13 13 bull Foreign13 Language13 (213 units13 of13 the13 same13 language13 while13 in13 high13 school)13 bull Fine13 Arts13 113 unit13 13 bull Computer13 Education13 ndash13 113 year13 of13 computer13 education13 during13 studentrsquos13 educational13 career13

Special13 Education13 Diploma13

13

Awarded at the end of the fourth year of high school to students with disabilities who have bull Not met the requirements for a regular SCS high school diploma bull Successfully completed an Individual Education Plan (IEP) bull Satisfactory records of attendance and conduct

Note Students who receive a Special Education Diploma may13 continue13 to13 work13 towards13 the13 high13 school13 diploma13 through13 the13 end13 of13 the13 school13 year13 in13 which13 they13 turn13 twenty-shy‐two13 years13 old

Tennessee13 Graduate13 13 With13 Honors13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must score13 at13 or13 above13 all13 of13 the13 subject13 area13 readiness13 benchmarks13 on13 the13 ACT13 (or13 equivalent13 scores13 on13 SAT)13

bull English13 1813 13 13 13 13 13 13 13 13 13 13 bull Reading13 2213 13 13 13 13 13 13 13 13 13 bull Math13 2213 13 13 13 13 13 13 13 13 13 bull Science13 2313 httpwwwactorgsolutionscollege-shy‐career-shy‐readinesscollege-shy‐readiness-shy‐benchmarks13

13

Tennessee13 Graduate13 13 With13 Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must have a B average and at least of the following bull Earn a nationally recognized industry certification bull Participate in at least one of the Governorrsquos Schools bull Participate in one of the statersquos All State musical organizations bull Be selected as a National Merit Finalist or Semi-Finalist bull Attain a composite score of 31 or higher on the ACT or 1360 on the SAT bull Attain a score of 3 or higher on at least two advanced placement exams bull Successfully complete the International Baccalaureate Diploma Programme bull Earn 12 or more semester hours of transcripted postsecondary credit

Tennessee13 Graduate13 13 With13 Honors13 and13

Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements13 student13 must13 meet13 requirements13 for13 both13 Tennessee13 Honors13 and13 Tennessee13 Distinction13

Designation13 of13 Exemplary13 Recognition13 (in13 addition13 to13 meeting13 regular13 SCS13 diploma13 requirements)13 13 This13 special13 recognition13 will13 be13 printed13 on13 the13 diploma13 and13 the13 transcript13 for13 any13 student13 who13 qualifies13 13

bull Must13 have13 earned13 twelve13 (12)13 Honors13 or13 Advanced13 Placement13 credits13 (any13 combination)13 in13 Grades13 913 -shy‐1213 or13 a13 combination13 of13 such13 credits13 totaling13 twelve13 (12)13 with13 each13 Advanced13 Placement13 credit13 equal13 to13 1513 honors13 credits13 13

bull A13 minimum13 of13 two13 (2)13 Honors13 or13 Advanced13 Placement13 courses13 is13 required13 during13 the13 senior13 year13 13 13 bull Designation13 of13 Exemplary13 Recognition13 will13 be13 printed13 on13 the13 diploma13 and13 final13 high13 school13 transcript13 for13 qualified13 students13

s

hel

by co

unty schools

EST 1867

s

hel

by co

unty schools

EST 1867

13 813

Planning13 13 Your13 Future13 13 13 13 13 Once13 upon13 a13 timehappily13 ever13 after13 13 The13 dots13 in13 the13 middle13 represent13 your13 life13 up13 to13 now13 13 This13 year13 a13 new13 phase13 of13 your13 life13 begins13 and13 we13 hope13 it13 leads13 to13 ldquohappily13 ever13 afterrdquo13 13 What13 does13 happily13 ever13 after13 look13 like13 13 That13 of13 course13 is13 different13 for13 each13 student13 and13 that13 is13 where13 your13 hard13 work13 will13 pay13 off13 13 It13 is13 comforting13 to13 know13 that13 you13 can13 affect13 this13 outcome13 and13 in13 many13 cases13 it13 is13 directly13 tied13 to13 the13 work13 that13 you13 do13 now13 and13 the13 time13 you13 invest13 now13 in13 planning13 your13 future13 13 We13 look13 forward13 to13 walking13 this13 path13 with13 you13 13 The13 School13 Counseling13 Department13 including13 the13 Grade13 Level13 Counselor13 the13 College13 and13 Career13 Counselor13 the13 IB13 Counselor13 and13 the13 Administrative13 Staff13 is13 ready13 to13 help13 you13 carry13 out13 your13 plans13 and13 achieve13 your13 post13 high13 school13 goals13 13 Letrsquos13 get13 started13 13 Be13 prepared13 for13 one13 of13 the13 busiest13 times13 of13 your13 life13 13 This13 booklet13 will13 give13 you13 information13 on13 each13 of13 the13 steps13 listed13 below13 13 Each13 one13 is13 needed13 as13 you13 develop13 your13 plan13 for13 your13 ldquoever13 afterrdquo13 13 13 13 13 13 113 13 Take13 a13 self-shy‐assessment13 and13 or13 interest13 inventory13 to13 help13 you13 set13 realistic13 13 13 13 13 13 13 13 13 13 goals13 13 213 13 Develop13 or13 update13 your13 resume13 13 313 13 Research13 3-shy‐513 post13 high13 school13 opportunities13 including13 colleges13 military13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 world13 or13 work13 apprenticeship13 and13 training13 programs13 13 413 13 Have13 a13 realistic13 conversation13 with13 your13 parents13 about13 your13 financial13 needs13 13 13 13 13 13 13 13 and13 or13 capabilities13 13 Do13 you13 need13 to13 work13 and13 go13 to13 school13 13 Do13 you13 need13 13 13 13 13 13 13 13 scholarships13 13 Do13 you13 qualify13 for13 need-shy‐based13 scholarships13 such13 as13 the13 Pell13 13 13 13 13 13 13 13 Grant13 13 Can13 your13 parents13 provide13 all13 financial13 assistance13 needed13 to13 finance13 13 13 13 13 13 13 13 the13 next13 phase13 of13 your13 life13 13 513 13 Research13 scholarship13 databases13 to13 determine13 criteria13 and13 if13 you13 qualify13 13 613 13 Make13 copies13 of13 everything13 you13 do13 and13 set13 up13 an13 organized13 system13 to13 track13 13 13 13 13 13 13 13 applications13 and13 other13 materials13 required13 to13 accomplish13 your13 goal13 13 713 13 Be13 aware13 of13 deadlines13 for13 applications13 college13 entrance13 tests13 preview13 days13 13 13 13 13 13 13 13 financial13 aid13 and13 job13 applications13 13 813 13 Begin13 asking13 teachers13 employers13 clergy13 coaches13 or13 other13 significant13 13 13 13 13 13 13 13 13 13 adults13 to13 write13 letters13 of13 recommendation13 you13 may13 need13 9 Complete13 and13 submit13 the13 FAFSA13 (Free13 Application13 for13 Federal13 Student13 Aid)13 13 13 13 13 13 13 13 as13 soon13 as13 possible13 on13 January13 113 201613 13 Priority13 Deadline13 13 131201613 13 13 13 13 13 13 13 13

13 913

Planning13 13 Things13 to13 Consider13 13 13 13 Going13 to13 college13 is13 one13 of13 the13 options13 available13 to13 you13 as13 you13 pursue13 your13 career13 plans13 13 A13 certain13 amount13 of13 planning13 is13 required13 13 Part13 of13 that13 planning13 has13 already13 taken13 place13 in13 the13 courses13 you13 selected13 for13 high13 school13 and13 the13 grades13 you13 made13 in13 each13 13 Choosing13 a13 college13 is13 a13 serious13 decision13 but13 you13 also13 want13 to13 enjoy13 the13 process13 and13 enjoy13 your13 senior13 year13 13 It13 is13 just13 one13 of13 a13 series13 of13 decisions13 that13 will13 help13 you13 move13 toward13 your13 goals13 13 Be13 calm13 and13 businesslike13 in13 your13 approach13 and13 avoid13 stress13 and13 a13 frantic13 approach13 13 You13 are13 doing13 something13 positive13 and13 you13 should13 enjoy13 it13 13 Here13 are13 a13 few13 hints13 to13 help13 you13 make13 this13 important13 decision13 13 1 13 Know13 yourself13 well-shy‐your13 strengths13 weaknesses13 likes13 dislikes13 hopes13 and13 dreams13 13 We13 have13 included13 some13 questions13 below13 to13 help13 you13 develop13 a13 clear13 picture13 13 You13 must13 also13 understand13 and13 accept13 the13 impact13 of13 your13 grades13 and13 test13 scores13

2 13 Research13 your13 options-shy‐there13 are13 several13 different13 paths13 that13 can13 lead13 to13 the13 same13 goal13 13 If13 you13 do13 not13 have13 the13 academic13 record13 that13 allows13 you13 to13 pursue13 your13 first13 option13 make13 another13 plan13 to13 reach13 your13 eventual13 goal13 13 Do13 not13 let13 past13 decisions13 dictate13 your13 path13

3 13 Make13 sure13 you13 are13 communicating13 with13 all13 the13 people13 who13 are13 important13 to13 this13 decision13 making13 process13 13 That13 includes13 parents13 grandparents13 counselors13 teachers13 friends13 college13 reps13 and13 financial13 aid13 experts13 13 Use13 all13 the13 resources13 available13 to13 you13

4 13 Choose13 where13 you13 will13 apply13 and13 attend13 college13 13 Every13 school13 has13 both13 positive13 and13 negative13 factors13 13 You13 must13 choose13 from13 the13 available13 possibilities13 that13 are13 best13 suited13 for13 you13

13 What13 do13 Colleges13 look13 for13 in13 a13 student13 13 1 13 Your13 academic13 record13 is13 your13 introduction13 to13 the13 college13 admissions13 staff13 13 They13 will13 consider13 the13 difficulty13 and13 variety13 of13 the13 courses13 you13 took13 13 Senior13 grades13 and13 courses13 are13 important13

2 13 Standardized13 test13 scores-shy‐ACT13 13 SAT13 13 13 As13 you13 research13 colleges13 make13 note13 of13 the13 test13 required13 by13 each13 school13 13 Record13 the13 information13 on13 the13 spreadsheet13 and13 sign13 up13 for13 the13 correct13 tests13 for13 the13 colleges13 you13 are13 considering13 13 You13 should13 have13 all13 testing13 done13 by13 December13 of13 your13 Senior13 year13

3 13 Counselor13 and13 teacher13 recommendations13 are13 also13 important13 factors13 13 Provide13 each13 with13 a13 resume13 of13 your13 accomplishments13

4 13 Your13 non13 academic13 activities13 and13 accomplishments13 both13 in13 school13 and13 out13 5 13 You13 application13 form-shy‐present13 the13 best13 picture13 of13 yourself13 13 Be13 complete13 6 Who13 am13 I13 and13 what13 are13 my13 uniques13 interests13 aptitudes13 and13 skills13 13 13 13 13 13 13

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
Text Box
28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 8: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 513

NCAA Clearinghouse ANY senior that plans on participating in athletics at a Division I or II college or university MUST be eligible through the NCAA Clearinghouse You must go to the website httpsweb1ncaaorgeligibilitycentercommon Complete the application and request a transcript from guidance A transcript will be sent then and after graduation Fee waivers are given to ACT fee waiver students so see Ms Sisk if you qualify All ACT scores should be sent directly to NCAA (code 9999)-Add this code when your register for the ACT College Acceptance Letters and Scholarship Award Letters Please bring ALL letters to Ms Sisk or Mr Smith in Guidance or send them electronically via e-mail We will make a copy and return the original to you We need copies of all offers even if you do not plan to attend that specific college OR if you do not plan to accept a scholarship offering This information is VERY IMPORTANT for several reasons 1 We want to celebrate with you in your accomplishments (Friday Senior Announcement and Senior Banner Board) 2 This is the ONLY way to make sure these accomplishments (scholarships) are recognized in the Graduation Program 3 This information is needed for both district and state reports Senior Yearbook Deadlines Holland Senior Portrait Deadline Oct 25th Senior Ad $$ amp Contract Deadline Oct 9th

Baby Picture Deadline Nov 6th Senior Ad Picture + Message Deadline Nov 13th Yearbook Cost TBA Graduation Invitations Invitations and other graduation supplies may be purchased (optional) through Balfour A deposit of approx $60 will be required when you place your order An informational meeting will be on October 29th in the theatre At (830am girls and boys will follow) Caps and Gowns Caps and Gowns will be ordered second semester before spring break Approx $90 is required with your order No fee waivers are available for this optional event The cap gown and stole are kept by the student All gowns are Bolton blue Diplomas Diplomas will be printed using your legal name (middle initial only) printed on your birth certificate If this name is incorrect CHANGE IT NOW After you legally change your name bring a copy of your birth certificate to Mrs Cupples in attendance so the school can change your records Graduation Activities ALL events are at Bellevue Baptist Church Guidelines for acceptable dress will be given to students prior to graduation Baccalaureate Graduation Rehearsal Graduation Optional event Required for grad Ceremony Optional event Sun May 15 2016 Fri May 20 2016 Sat May 21 2016 Time 400pm Time 730 am (morning) Time 300 pm Wear cap and gown Wear Bolton shirt (dress code) Cap and Gown PROJECT GRADUATION WILL BE SAT MAY 20th FROM 11PM-5AM ALL NIGHT GAMES FOOD AND PRIZES

13 613

Requirements13 for13 Students13 Beginning13 High13 School13 in13 Fall13 200913

Total13 Credits13 Required13 2213

Math13 413 Credits13 13 -shy‐13 Including13 Algebra13 I13 II13 Geometry13 and13 a13 fourth13 higher13 level13 math13 course13

Science13 313 Credits13 -shy‐13 Including13 Biology13 Chemistry13 or13 Physics13 and13 a13 third13 lab13 course13

English13 413 Credits13

Social13 Studies13 313 Credits13

Physical13 Education13 And13 Wellness13 1513 Credits13

Personal13 Finance13 0513 Credits13

Foreign13 Language13 213 Credits13 Fine13 Arts13 113 Credit13 -shy‐13 May13 be13 waived13 for13 students13 not13 going13 to13 a13 University13 to13 expand13 and13 enhance13 the13 elective13 focus13

Elective13 Focus13 313 Credits13 -shy‐13 Math13 and13 Science13 Career13 and13 Technical13 Education13 Fine13 Arts13 Humanities13 Advanced13 Placement13 (AP)13 or13 International13 Baccalaureate13 (IB)13

13

13 713

13

Diploma13 amp13 Seal13 Options13 Requirements13 Regular13 SCS13 Diploma13 2213 units13 of13 specified13 credits13 Capstone13 recommended13

13 13

bull English13 413 units13 (taken13 sequentially)13 bull Mathematics13 413 units13 (one13 year13 of13 math13 in13 grades13 9-shy‐1213 must13 complete13 Alg113 Alg213 Geo13 and13 a13 higher13 level13 math)13 13 bull Science13 313 units13 (Must13 complete13 Biology13 113 Chemistry13 or13 Physics13 and13 a13 third13 level13 lab13 science13 in13 high13 school)13 bull Social13 Studies13 313 units13 (to13 include13 U13 S13 History13 Economics13 U13 S13 Government13 World13 History13 13 Geography)13 bull Wellness13 113 unit13 13 bull Physical13 Education13 0513 unit13 13 bull Personal13 Finance13 0513 unit13 bull Elective13 Focus13 -shy‐13 313 units13 13 bull Foreign13 Language13 (213 units13 of13 the13 same13 language13 while13 in13 high13 school)13 bull Fine13 Arts13 113 unit13 13 bull Computer13 Education13 ndash13 113 year13 of13 computer13 education13 during13 studentrsquos13 educational13 career13

Special13 Education13 Diploma13

13

Awarded at the end of the fourth year of high school to students with disabilities who have bull Not met the requirements for a regular SCS high school diploma bull Successfully completed an Individual Education Plan (IEP) bull Satisfactory records of attendance and conduct

Note Students who receive a Special Education Diploma may13 continue13 to13 work13 towards13 the13 high13 school13 diploma13 through13 the13 end13 of13 the13 school13 year13 in13 which13 they13 turn13 twenty-shy‐two13 years13 old

Tennessee13 Graduate13 13 With13 Honors13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must score13 at13 or13 above13 all13 of13 the13 subject13 area13 readiness13 benchmarks13 on13 the13 ACT13 (or13 equivalent13 scores13 on13 SAT)13

bull English13 1813 13 13 13 13 13 13 13 13 13 13 bull Reading13 2213 13 13 13 13 13 13 13 13 13 bull Math13 2213 13 13 13 13 13 13 13 13 13 bull Science13 2313 httpwwwactorgsolutionscollege-shy‐career-shy‐readinesscollege-shy‐readiness-shy‐benchmarks13

13

Tennessee13 Graduate13 13 With13 Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must have a B average and at least of the following bull Earn a nationally recognized industry certification bull Participate in at least one of the Governorrsquos Schools bull Participate in one of the statersquos All State musical organizations bull Be selected as a National Merit Finalist or Semi-Finalist bull Attain a composite score of 31 or higher on the ACT or 1360 on the SAT bull Attain a score of 3 or higher on at least two advanced placement exams bull Successfully complete the International Baccalaureate Diploma Programme bull Earn 12 or more semester hours of transcripted postsecondary credit

Tennessee13 Graduate13 13 With13 Honors13 and13

Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements13 student13 must13 meet13 requirements13 for13 both13 Tennessee13 Honors13 and13 Tennessee13 Distinction13

Designation13 of13 Exemplary13 Recognition13 (in13 addition13 to13 meeting13 regular13 SCS13 diploma13 requirements)13 13 This13 special13 recognition13 will13 be13 printed13 on13 the13 diploma13 and13 the13 transcript13 for13 any13 student13 who13 qualifies13 13

bull Must13 have13 earned13 twelve13 (12)13 Honors13 or13 Advanced13 Placement13 credits13 (any13 combination)13 in13 Grades13 913 -shy‐1213 or13 a13 combination13 of13 such13 credits13 totaling13 twelve13 (12)13 with13 each13 Advanced13 Placement13 credit13 equal13 to13 1513 honors13 credits13 13

bull A13 minimum13 of13 two13 (2)13 Honors13 or13 Advanced13 Placement13 courses13 is13 required13 during13 the13 senior13 year13 13 13 bull Designation13 of13 Exemplary13 Recognition13 will13 be13 printed13 on13 the13 diploma13 and13 final13 high13 school13 transcript13 for13 qualified13 students13

s

hel

by co

unty schools

EST 1867

s

hel

by co

unty schools

EST 1867

13 813

Planning13 13 Your13 Future13 13 13 13 13 Once13 upon13 a13 timehappily13 ever13 after13 13 The13 dots13 in13 the13 middle13 represent13 your13 life13 up13 to13 now13 13 This13 year13 a13 new13 phase13 of13 your13 life13 begins13 and13 we13 hope13 it13 leads13 to13 ldquohappily13 ever13 afterrdquo13 13 What13 does13 happily13 ever13 after13 look13 like13 13 That13 of13 course13 is13 different13 for13 each13 student13 and13 that13 is13 where13 your13 hard13 work13 will13 pay13 off13 13 It13 is13 comforting13 to13 know13 that13 you13 can13 affect13 this13 outcome13 and13 in13 many13 cases13 it13 is13 directly13 tied13 to13 the13 work13 that13 you13 do13 now13 and13 the13 time13 you13 invest13 now13 in13 planning13 your13 future13 13 We13 look13 forward13 to13 walking13 this13 path13 with13 you13 13 The13 School13 Counseling13 Department13 including13 the13 Grade13 Level13 Counselor13 the13 College13 and13 Career13 Counselor13 the13 IB13 Counselor13 and13 the13 Administrative13 Staff13 is13 ready13 to13 help13 you13 carry13 out13 your13 plans13 and13 achieve13 your13 post13 high13 school13 goals13 13 Letrsquos13 get13 started13 13 Be13 prepared13 for13 one13 of13 the13 busiest13 times13 of13 your13 life13 13 This13 booklet13 will13 give13 you13 information13 on13 each13 of13 the13 steps13 listed13 below13 13 Each13 one13 is13 needed13 as13 you13 develop13 your13 plan13 for13 your13 ldquoever13 afterrdquo13 13 13 13 13 13 113 13 Take13 a13 self-shy‐assessment13 and13 or13 interest13 inventory13 to13 help13 you13 set13 realistic13 13 13 13 13 13 13 13 13 13 goals13 13 213 13 Develop13 or13 update13 your13 resume13 13 313 13 Research13 3-shy‐513 post13 high13 school13 opportunities13 including13 colleges13 military13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 world13 or13 work13 apprenticeship13 and13 training13 programs13 13 413 13 Have13 a13 realistic13 conversation13 with13 your13 parents13 about13 your13 financial13 needs13 13 13 13 13 13 13 13 and13 or13 capabilities13 13 Do13 you13 need13 to13 work13 and13 go13 to13 school13 13 Do13 you13 need13 13 13 13 13 13 13 13 scholarships13 13 Do13 you13 qualify13 for13 need-shy‐based13 scholarships13 such13 as13 the13 Pell13 13 13 13 13 13 13 13 Grant13 13 Can13 your13 parents13 provide13 all13 financial13 assistance13 needed13 to13 finance13 13 13 13 13 13 13 13 the13 next13 phase13 of13 your13 life13 13 513 13 Research13 scholarship13 databases13 to13 determine13 criteria13 and13 if13 you13 qualify13 13 613 13 Make13 copies13 of13 everything13 you13 do13 and13 set13 up13 an13 organized13 system13 to13 track13 13 13 13 13 13 13 13 applications13 and13 other13 materials13 required13 to13 accomplish13 your13 goal13 13 713 13 Be13 aware13 of13 deadlines13 for13 applications13 college13 entrance13 tests13 preview13 days13 13 13 13 13 13 13 13 financial13 aid13 and13 job13 applications13 13 813 13 Begin13 asking13 teachers13 employers13 clergy13 coaches13 or13 other13 significant13 13 13 13 13 13 13 13 13 13 adults13 to13 write13 letters13 of13 recommendation13 you13 may13 need13 9 Complete13 and13 submit13 the13 FAFSA13 (Free13 Application13 for13 Federal13 Student13 Aid)13 13 13 13 13 13 13 13 as13 soon13 as13 possible13 on13 January13 113 201613 13 Priority13 Deadline13 13 131201613 13 13 13 13 13 13 13 13

13 913

Planning13 13 Things13 to13 Consider13 13 13 13 Going13 to13 college13 is13 one13 of13 the13 options13 available13 to13 you13 as13 you13 pursue13 your13 career13 plans13 13 A13 certain13 amount13 of13 planning13 is13 required13 13 Part13 of13 that13 planning13 has13 already13 taken13 place13 in13 the13 courses13 you13 selected13 for13 high13 school13 and13 the13 grades13 you13 made13 in13 each13 13 Choosing13 a13 college13 is13 a13 serious13 decision13 but13 you13 also13 want13 to13 enjoy13 the13 process13 and13 enjoy13 your13 senior13 year13 13 It13 is13 just13 one13 of13 a13 series13 of13 decisions13 that13 will13 help13 you13 move13 toward13 your13 goals13 13 Be13 calm13 and13 businesslike13 in13 your13 approach13 and13 avoid13 stress13 and13 a13 frantic13 approach13 13 You13 are13 doing13 something13 positive13 and13 you13 should13 enjoy13 it13 13 Here13 are13 a13 few13 hints13 to13 help13 you13 make13 this13 important13 decision13 13 1 13 Know13 yourself13 well-shy‐your13 strengths13 weaknesses13 likes13 dislikes13 hopes13 and13 dreams13 13 We13 have13 included13 some13 questions13 below13 to13 help13 you13 develop13 a13 clear13 picture13 13 You13 must13 also13 understand13 and13 accept13 the13 impact13 of13 your13 grades13 and13 test13 scores13

2 13 Research13 your13 options-shy‐there13 are13 several13 different13 paths13 that13 can13 lead13 to13 the13 same13 goal13 13 If13 you13 do13 not13 have13 the13 academic13 record13 that13 allows13 you13 to13 pursue13 your13 first13 option13 make13 another13 plan13 to13 reach13 your13 eventual13 goal13 13 Do13 not13 let13 past13 decisions13 dictate13 your13 path13

3 13 Make13 sure13 you13 are13 communicating13 with13 all13 the13 people13 who13 are13 important13 to13 this13 decision13 making13 process13 13 That13 includes13 parents13 grandparents13 counselors13 teachers13 friends13 college13 reps13 and13 financial13 aid13 experts13 13 Use13 all13 the13 resources13 available13 to13 you13

4 13 Choose13 where13 you13 will13 apply13 and13 attend13 college13 13 Every13 school13 has13 both13 positive13 and13 negative13 factors13 13 You13 must13 choose13 from13 the13 available13 possibilities13 that13 are13 best13 suited13 for13 you13

13 What13 do13 Colleges13 look13 for13 in13 a13 student13 13 1 13 Your13 academic13 record13 is13 your13 introduction13 to13 the13 college13 admissions13 staff13 13 They13 will13 consider13 the13 difficulty13 and13 variety13 of13 the13 courses13 you13 took13 13 Senior13 grades13 and13 courses13 are13 important13

2 13 Standardized13 test13 scores-shy‐ACT13 13 SAT13 13 13 As13 you13 research13 colleges13 make13 note13 of13 the13 test13 required13 by13 each13 school13 13 Record13 the13 information13 on13 the13 spreadsheet13 and13 sign13 up13 for13 the13 correct13 tests13 for13 the13 colleges13 you13 are13 considering13 13 You13 should13 have13 all13 testing13 done13 by13 December13 of13 your13 Senior13 year13

3 13 Counselor13 and13 teacher13 recommendations13 are13 also13 important13 factors13 13 Provide13 each13 with13 a13 resume13 of13 your13 accomplishments13

4 13 Your13 non13 academic13 activities13 and13 accomplishments13 both13 in13 school13 and13 out13 5 13 You13 application13 form-shy‐present13 the13 best13 picture13 of13 yourself13 13 Be13 complete13 6 Who13 am13 I13 and13 what13 are13 my13 uniques13 interests13 aptitudes13 and13 skills13 13 13 13 13 13 13

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
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13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 9: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 613

Requirements13 for13 Students13 Beginning13 High13 School13 in13 Fall13 200913

Total13 Credits13 Required13 2213

Math13 413 Credits13 13 -shy‐13 Including13 Algebra13 I13 II13 Geometry13 and13 a13 fourth13 higher13 level13 math13 course13

Science13 313 Credits13 -shy‐13 Including13 Biology13 Chemistry13 or13 Physics13 and13 a13 third13 lab13 course13

English13 413 Credits13

Social13 Studies13 313 Credits13

Physical13 Education13 And13 Wellness13 1513 Credits13

Personal13 Finance13 0513 Credits13

Foreign13 Language13 213 Credits13 Fine13 Arts13 113 Credit13 -shy‐13 May13 be13 waived13 for13 students13 not13 going13 to13 a13 University13 to13 expand13 and13 enhance13 the13 elective13 focus13

Elective13 Focus13 313 Credits13 -shy‐13 Math13 and13 Science13 Career13 and13 Technical13 Education13 Fine13 Arts13 Humanities13 Advanced13 Placement13 (AP)13 or13 International13 Baccalaureate13 (IB)13

13

13 713

13

Diploma13 amp13 Seal13 Options13 Requirements13 Regular13 SCS13 Diploma13 2213 units13 of13 specified13 credits13 Capstone13 recommended13

13 13

bull English13 413 units13 (taken13 sequentially)13 bull Mathematics13 413 units13 (one13 year13 of13 math13 in13 grades13 9-shy‐1213 must13 complete13 Alg113 Alg213 Geo13 and13 a13 higher13 level13 math)13 13 bull Science13 313 units13 (Must13 complete13 Biology13 113 Chemistry13 or13 Physics13 and13 a13 third13 level13 lab13 science13 in13 high13 school)13 bull Social13 Studies13 313 units13 (to13 include13 U13 S13 History13 Economics13 U13 S13 Government13 World13 History13 13 Geography)13 bull Wellness13 113 unit13 13 bull Physical13 Education13 0513 unit13 13 bull Personal13 Finance13 0513 unit13 bull Elective13 Focus13 -shy‐13 313 units13 13 bull Foreign13 Language13 (213 units13 of13 the13 same13 language13 while13 in13 high13 school)13 bull Fine13 Arts13 113 unit13 13 bull Computer13 Education13 ndash13 113 year13 of13 computer13 education13 during13 studentrsquos13 educational13 career13

Special13 Education13 Diploma13

13

Awarded at the end of the fourth year of high school to students with disabilities who have bull Not met the requirements for a regular SCS high school diploma bull Successfully completed an Individual Education Plan (IEP) bull Satisfactory records of attendance and conduct

Note Students who receive a Special Education Diploma may13 continue13 to13 work13 towards13 the13 high13 school13 diploma13 through13 the13 end13 of13 the13 school13 year13 in13 which13 they13 turn13 twenty-shy‐two13 years13 old

Tennessee13 Graduate13 13 With13 Honors13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must score13 at13 or13 above13 all13 of13 the13 subject13 area13 readiness13 benchmarks13 on13 the13 ACT13 (or13 equivalent13 scores13 on13 SAT)13

bull English13 1813 13 13 13 13 13 13 13 13 13 13 bull Reading13 2213 13 13 13 13 13 13 13 13 13 bull Math13 2213 13 13 13 13 13 13 13 13 13 bull Science13 2313 httpwwwactorgsolutionscollege-shy‐career-shy‐readinesscollege-shy‐readiness-shy‐benchmarks13

13

Tennessee13 Graduate13 13 With13 Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must have a B average and at least of the following bull Earn a nationally recognized industry certification bull Participate in at least one of the Governorrsquos Schools bull Participate in one of the statersquos All State musical organizations bull Be selected as a National Merit Finalist or Semi-Finalist bull Attain a composite score of 31 or higher on the ACT or 1360 on the SAT bull Attain a score of 3 or higher on at least two advanced placement exams bull Successfully complete the International Baccalaureate Diploma Programme bull Earn 12 or more semester hours of transcripted postsecondary credit

Tennessee13 Graduate13 13 With13 Honors13 and13

Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements13 student13 must13 meet13 requirements13 for13 both13 Tennessee13 Honors13 and13 Tennessee13 Distinction13

Designation13 of13 Exemplary13 Recognition13 (in13 addition13 to13 meeting13 regular13 SCS13 diploma13 requirements)13 13 This13 special13 recognition13 will13 be13 printed13 on13 the13 diploma13 and13 the13 transcript13 for13 any13 student13 who13 qualifies13 13

bull Must13 have13 earned13 twelve13 (12)13 Honors13 or13 Advanced13 Placement13 credits13 (any13 combination)13 in13 Grades13 913 -shy‐1213 or13 a13 combination13 of13 such13 credits13 totaling13 twelve13 (12)13 with13 each13 Advanced13 Placement13 credit13 equal13 to13 1513 honors13 credits13 13

bull A13 minimum13 of13 two13 (2)13 Honors13 or13 Advanced13 Placement13 courses13 is13 required13 during13 the13 senior13 year13 13 13 bull Designation13 of13 Exemplary13 Recognition13 will13 be13 printed13 on13 the13 diploma13 and13 final13 high13 school13 transcript13 for13 qualified13 students13

s

hel

by co

unty schools

EST 1867

s

hel

by co

unty schools

EST 1867

13 813

Planning13 13 Your13 Future13 13 13 13 13 Once13 upon13 a13 timehappily13 ever13 after13 13 The13 dots13 in13 the13 middle13 represent13 your13 life13 up13 to13 now13 13 This13 year13 a13 new13 phase13 of13 your13 life13 begins13 and13 we13 hope13 it13 leads13 to13 ldquohappily13 ever13 afterrdquo13 13 What13 does13 happily13 ever13 after13 look13 like13 13 That13 of13 course13 is13 different13 for13 each13 student13 and13 that13 is13 where13 your13 hard13 work13 will13 pay13 off13 13 It13 is13 comforting13 to13 know13 that13 you13 can13 affect13 this13 outcome13 and13 in13 many13 cases13 it13 is13 directly13 tied13 to13 the13 work13 that13 you13 do13 now13 and13 the13 time13 you13 invest13 now13 in13 planning13 your13 future13 13 We13 look13 forward13 to13 walking13 this13 path13 with13 you13 13 The13 School13 Counseling13 Department13 including13 the13 Grade13 Level13 Counselor13 the13 College13 and13 Career13 Counselor13 the13 IB13 Counselor13 and13 the13 Administrative13 Staff13 is13 ready13 to13 help13 you13 carry13 out13 your13 plans13 and13 achieve13 your13 post13 high13 school13 goals13 13 Letrsquos13 get13 started13 13 Be13 prepared13 for13 one13 of13 the13 busiest13 times13 of13 your13 life13 13 This13 booklet13 will13 give13 you13 information13 on13 each13 of13 the13 steps13 listed13 below13 13 Each13 one13 is13 needed13 as13 you13 develop13 your13 plan13 for13 your13 ldquoever13 afterrdquo13 13 13 13 13 13 113 13 Take13 a13 self-shy‐assessment13 and13 or13 interest13 inventory13 to13 help13 you13 set13 realistic13 13 13 13 13 13 13 13 13 13 goals13 13 213 13 Develop13 or13 update13 your13 resume13 13 313 13 Research13 3-shy‐513 post13 high13 school13 opportunities13 including13 colleges13 military13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 world13 or13 work13 apprenticeship13 and13 training13 programs13 13 413 13 Have13 a13 realistic13 conversation13 with13 your13 parents13 about13 your13 financial13 needs13 13 13 13 13 13 13 13 and13 or13 capabilities13 13 Do13 you13 need13 to13 work13 and13 go13 to13 school13 13 Do13 you13 need13 13 13 13 13 13 13 13 scholarships13 13 Do13 you13 qualify13 for13 need-shy‐based13 scholarships13 such13 as13 the13 Pell13 13 13 13 13 13 13 13 Grant13 13 Can13 your13 parents13 provide13 all13 financial13 assistance13 needed13 to13 finance13 13 13 13 13 13 13 13 the13 next13 phase13 of13 your13 life13 13 513 13 Research13 scholarship13 databases13 to13 determine13 criteria13 and13 if13 you13 qualify13 13 613 13 Make13 copies13 of13 everything13 you13 do13 and13 set13 up13 an13 organized13 system13 to13 track13 13 13 13 13 13 13 13 applications13 and13 other13 materials13 required13 to13 accomplish13 your13 goal13 13 713 13 Be13 aware13 of13 deadlines13 for13 applications13 college13 entrance13 tests13 preview13 days13 13 13 13 13 13 13 13 financial13 aid13 and13 job13 applications13 13 813 13 Begin13 asking13 teachers13 employers13 clergy13 coaches13 or13 other13 significant13 13 13 13 13 13 13 13 13 13 adults13 to13 write13 letters13 of13 recommendation13 you13 may13 need13 9 Complete13 and13 submit13 the13 FAFSA13 (Free13 Application13 for13 Federal13 Student13 Aid)13 13 13 13 13 13 13 13 as13 soon13 as13 possible13 on13 January13 113 201613 13 Priority13 Deadline13 13 131201613 13 13 13 13 13 13 13 13

13 913

Planning13 13 Things13 to13 Consider13 13 13 13 Going13 to13 college13 is13 one13 of13 the13 options13 available13 to13 you13 as13 you13 pursue13 your13 career13 plans13 13 A13 certain13 amount13 of13 planning13 is13 required13 13 Part13 of13 that13 planning13 has13 already13 taken13 place13 in13 the13 courses13 you13 selected13 for13 high13 school13 and13 the13 grades13 you13 made13 in13 each13 13 Choosing13 a13 college13 is13 a13 serious13 decision13 but13 you13 also13 want13 to13 enjoy13 the13 process13 and13 enjoy13 your13 senior13 year13 13 It13 is13 just13 one13 of13 a13 series13 of13 decisions13 that13 will13 help13 you13 move13 toward13 your13 goals13 13 Be13 calm13 and13 businesslike13 in13 your13 approach13 and13 avoid13 stress13 and13 a13 frantic13 approach13 13 You13 are13 doing13 something13 positive13 and13 you13 should13 enjoy13 it13 13 Here13 are13 a13 few13 hints13 to13 help13 you13 make13 this13 important13 decision13 13 1 13 Know13 yourself13 well-shy‐your13 strengths13 weaknesses13 likes13 dislikes13 hopes13 and13 dreams13 13 We13 have13 included13 some13 questions13 below13 to13 help13 you13 develop13 a13 clear13 picture13 13 You13 must13 also13 understand13 and13 accept13 the13 impact13 of13 your13 grades13 and13 test13 scores13

2 13 Research13 your13 options-shy‐there13 are13 several13 different13 paths13 that13 can13 lead13 to13 the13 same13 goal13 13 If13 you13 do13 not13 have13 the13 academic13 record13 that13 allows13 you13 to13 pursue13 your13 first13 option13 make13 another13 plan13 to13 reach13 your13 eventual13 goal13 13 Do13 not13 let13 past13 decisions13 dictate13 your13 path13

3 13 Make13 sure13 you13 are13 communicating13 with13 all13 the13 people13 who13 are13 important13 to13 this13 decision13 making13 process13 13 That13 includes13 parents13 grandparents13 counselors13 teachers13 friends13 college13 reps13 and13 financial13 aid13 experts13 13 Use13 all13 the13 resources13 available13 to13 you13

4 13 Choose13 where13 you13 will13 apply13 and13 attend13 college13 13 Every13 school13 has13 both13 positive13 and13 negative13 factors13 13 You13 must13 choose13 from13 the13 available13 possibilities13 that13 are13 best13 suited13 for13 you13

13 What13 do13 Colleges13 look13 for13 in13 a13 student13 13 1 13 Your13 academic13 record13 is13 your13 introduction13 to13 the13 college13 admissions13 staff13 13 They13 will13 consider13 the13 difficulty13 and13 variety13 of13 the13 courses13 you13 took13 13 Senior13 grades13 and13 courses13 are13 important13

2 13 Standardized13 test13 scores-shy‐ACT13 13 SAT13 13 13 As13 you13 research13 colleges13 make13 note13 of13 the13 test13 required13 by13 each13 school13 13 Record13 the13 information13 on13 the13 spreadsheet13 and13 sign13 up13 for13 the13 correct13 tests13 for13 the13 colleges13 you13 are13 considering13 13 You13 should13 have13 all13 testing13 done13 by13 December13 of13 your13 Senior13 year13

3 13 Counselor13 and13 teacher13 recommendations13 are13 also13 important13 factors13 13 Provide13 each13 with13 a13 resume13 of13 your13 accomplishments13

4 13 Your13 non13 academic13 activities13 and13 accomplishments13 both13 in13 school13 and13 out13 5 13 You13 application13 form-shy‐present13 the13 best13 picture13 of13 yourself13 13 Be13 complete13 6 Who13 am13 I13 and13 what13 are13 my13 uniques13 interests13 aptitudes13 and13 skills13 13 13 13 13 13 13

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
Text Box
28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 10: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 713

13

Diploma13 amp13 Seal13 Options13 Requirements13 Regular13 SCS13 Diploma13 2213 units13 of13 specified13 credits13 Capstone13 recommended13

13 13

bull English13 413 units13 (taken13 sequentially)13 bull Mathematics13 413 units13 (one13 year13 of13 math13 in13 grades13 9-shy‐1213 must13 complete13 Alg113 Alg213 Geo13 and13 a13 higher13 level13 math)13 13 bull Science13 313 units13 (Must13 complete13 Biology13 113 Chemistry13 or13 Physics13 and13 a13 third13 level13 lab13 science13 in13 high13 school)13 bull Social13 Studies13 313 units13 (to13 include13 U13 S13 History13 Economics13 U13 S13 Government13 World13 History13 13 Geography)13 bull Wellness13 113 unit13 13 bull Physical13 Education13 0513 unit13 13 bull Personal13 Finance13 0513 unit13 bull Elective13 Focus13 -shy‐13 313 units13 13 bull Foreign13 Language13 (213 units13 of13 the13 same13 language13 while13 in13 high13 school)13 bull Fine13 Arts13 113 unit13 13 bull Computer13 Education13 ndash13 113 year13 of13 computer13 education13 during13 studentrsquos13 educational13 career13

Special13 Education13 Diploma13

13

Awarded at the end of the fourth year of high school to students with disabilities who have bull Not met the requirements for a regular SCS high school diploma bull Successfully completed an Individual Education Plan (IEP) bull Satisfactory records of attendance and conduct

Note Students who receive a Special Education Diploma may13 continue13 to13 work13 towards13 the13 high13 school13 diploma13 through13 the13 end13 of13 the13 school13 year13 in13 which13 they13 turn13 twenty-shy‐two13 years13 old

Tennessee13 Graduate13 13 With13 Honors13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must score13 at13 or13 above13 all13 of13 the13 subject13 area13 readiness13 benchmarks13 on13 the13 ACT13 (or13 equivalent13 scores13 on13 SAT)13

bull English13 1813 13 13 13 13 13 13 13 13 13 13 bull Reading13 2213 13 13 13 13 13 13 13 13 13 bull Math13 2213 13 13 13 13 13 13 13 13 13 bull Science13 2313 httpwwwactorgsolutionscollege-shy‐career-shy‐readinesscollege-shy‐readiness-shy‐benchmarks13

13

Tennessee13 Graduate13 13 With13 Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements student must have a B average and at least of the following bull Earn a nationally recognized industry certification bull Participate in at least one of the Governorrsquos Schools bull Participate in one of the statersquos All State musical organizations bull Be selected as a National Merit Finalist or Semi-Finalist bull Attain a composite score of 31 or higher on the ACT or 1360 on the SAT bull Attain a score of 3 or higher on at least two advanced placement exams bull Successfully complete the International Baccalaureate Diploma Programme bull Earn 12 or more semester hours of transcripted postsecondary credit

Tennessee13 Graduate13 13 With13 Honors13 and13

Distinction13 13 Special13 Seal13

13

In addition to regular SCS diploma requirements13 student13 must13 meet13 requirements13 for13 both13 Tennessee13 Honors13 and13 Tennessee13 Distinction13

Designation13 of13 Exemplary13 Recognition13 (in13 addition13 to13 meeting13 regular13 SCS13 diploma13 requirements)13 13 This13 special13 recognition13 will13 be13 printed13 on13 the13 diploma13 and13 the13 transcript13 for13 any13 student13 who13 qualifies13 13

bull Must13 have13 earned13 twelve13 (12)13 Honors13 or13 Advanced13 Placement13 credits13 (any13 combination)13 in13 Grades13 913 -shy‐1213 or13 a13 combination13 of13 such13 credits13 totaling13 twelve13 (12)13 with13 each13 Advanced13 Placement13 credit13 equal13 to13 1513 honors13 credits13 13

bull A13 minimum13 of13 two13 (2)13 Honors13 or13 Advanced13 Placement13 courses13 is13 required13 during13 the13 senior13 year13 13 13 bull Designation13 of13 Exemplary13 Recognition13 will13 be13 printed13 on13 the13 diploma13 and13 final13 high13 school13 transcript13 for13 qualified13 students13

s

hel

by co

unty schools

EST 1867

s

hel

by co

unty schools

EST 1867

13 813

Planning13 13 Your13 Future13 13 13 13 13 Once13 upon13 a13 timehappily13 ever13 after13 13 The13 dots13 in13 the13 middle13 represent13 your13 life13 up13 to13 now13 13 This13 year13 a13 new13 phase13 of13 your13 life13 begins13 and13 we13 hope13 it13 leads13 to13 ldquohappily13 ever13 afterrdquo13 13 What13 does13 happily13 ever13 after13 look13 like13 13 That13 of13 course13 is13 different13 for13 each13 student13 and13 that13 is13 where13 your13 hard13 work13 will13 pay13 off13 13 It13 is13 comforting13 to13 know13 that13 you13 can13 affect13 this13 outcome13 and13 in13 many13 cases13 it13 is13 directly13 tied13 to13 the13 work13 that13 you13 do13 now13 and13 the13 time13 you13 invest13 now13 in13 planning13 your13 future13 13 We13 look13 forward13 to13 walking13 this13 path13 with13 you13 13 The13 School13 Counseling13 Department13 including13 the13 Grade13 Level13 Counselor13 the13 College13 and13 Career13 Counselor13 the13 IB13 Counselor13 and13 the13 Administrative13 Staff13 is13 ready13 to13 help13 you13 carry13 out13 your13 plans13 and13 achieve13 your13 post13 high13 school13 goals13 13 Letrsquos13 get13 started13 13 Be13 prepared13 for13 one13 of13 the13 busiest13 times13 of13 your13 life13 13 This13 booklet13 will13 give13 you13 information13 on13 each13 of13 the13 steps13 listed13 below13 13 Each13 one13 is13 needed13 as13 you13 develop13 your13 plan13 for13 your13 ldquoever13 afterrdquo13 13 13 13 13 13 113 13 Take13 a13 self-shy‐assessment13 and13 or13 interest13 inventory13 to13 help13 you13 set13 realistic13 13 13 13 13 13 13 13 13 13 goals13 13 213 13 Develop13 or13 update13 your13 resume13 13 313 13 Research13 3-shy‐513 post13 high13 school13 opportunities13 including13 colleges13 military13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 world13 or13 work13 apprenticeship13 and13 training13 programs13 13 413 13 Have13 a13 realistic13 conversation13 with13 your13 parents13 about13 your13 financial13 needs13 13 13 13 13 13 13 13 and13 or13 capabilities13 13 Do13 you13 need13 to13 work13 and13 go13 to13 school13 13 Do13 you13 need13 13 13 13 13 13 13 13 scholarships13 13 Do13 you13 qualify13 for13 need-shy‐based13 scholarships13 such13 as13 the13 Pell13 13 13 13 13 13 13 13 Grant13 13 Can13 your13 parents13 provide13 all13 financial13 assistance13 needed13 to13 finance13 13 13 13 13 13 13 13 the13 next13 phase13 of13 your13 life13 13 513 13 Research13 scholarship13 databases13 to13 determine13 criteria13 and13 if13 you13 qualify13 13 613 13 Make13 copies13 of13 everything13 you13 do13 and13 set13 up13 an13 organized13 system13 to13 track13 13 13 13 13 13 13 13 applications13 and13 other13 materials13 required13 to13 accomplish13 your13 goal13 13 713 13 Be13 aware13 of13 deadlines13 for13 applications13 college13 entrance13 tests13 preview13 days13 13 13 13 13 13 13 13 financial13 aid13 and13 job13 applications13 13 813 13 Begin13 asking13 teachers13 employers13 clergy13 coaches13 or13 other13 significant13 13 13 13 13 13 13 13 13 13 adults13 to13 write13 letters13 of13 recommendation13 you13 may13 need13 9 Complete13 and13 submit13 the13 FAFSA13 (Free13 Application13 for13 Federal13 Student13 Aid)13 13 13 13 13 13 13 13 as13 soon13 as13 possible13 on13 January13 113 201613 13 Priority13 Deadline13 13 131201613 13 13 13 13 13 13 13 13

13 913

Planning13 13 Things13 to13 Consider13 13 13 13 Going13 to13 college13 is13 one13 of13 the13 options13 available13 to13 you13 as13 you13 pursue13 your13 career13 plans13 13 A13 certain13 amount13 of13 planning13 is13 required13 13 Part13 of13 that13 planning13 has13 already13 taken13 place13 in13 the13 courses13 you13 selected13 for13 high13 school13 and13 the13 grades13 you13 made13 in13 each13 13 Choosing13 a13 college13 is13 a13 serious13 decision13 but13 you13 also13 want13 to13 enjoy13 the13 process13 and13 enjoy13 your13 senior13 year13 13 It13 is13 just13 one13 of13 a13 series13 of13 decisions13 that13 will13 help13 you13 move13 toward13 your13 goals13 13 Be13 calm13 and13 businesslike13 in13 your13 approach13 and13 avoid13 stress13 and13 a13 frantic13 approach13 13 You13 are13 doing13 something13 positive13 and13 you13 should13 enjoy13 it13 13 Here13 are13 a13 few13 hints13 to13 help13 you13 make13 this13 important13 decision13 13 1 13 Know13 yourself13 well-shy‐your13 strengths13 weaknesses13 likes13 dislikes13 hopes13 and13 dreams13 13 We13 have13 included13 some13 questions13 below13 to13 help13 you13 develop13 a13 clear13 picture13 13 You13 must13 also13 understand13 and13 accept13 the13 impact13 of13 your13 grades13 and13 test13 scores13

2 13 Research13 your13 options-shy‐there13 are13 several13 different13 paths13 that13 can13 lead13 to13 the13 same13 goal13 13 If13 you13 do13 not13 have13 the13 academic13 record13 that13 allows13 you13 to13 pursue13 your13 first13 option13 make13 another13 plan13 to13 reach13 your13 eventual13 goal13 13 Do13 not13 let13 past13 decisions13 dictate13 your13 path13

3 13 Make13 sure13 you13 are13 communicating13 with13 all13 the13 people13 who13 are13 important13 to13 this13 decision13 making13 process13 13 That13 includes13 parents13 grandparents13 counselors13 teachers13 friends13 college13 reps13 and13 financial13 aid13 experts13 13 Use13 all13 the13 resources13 available13 to13 you13

4 13 Choose13 where13 you13 will13 apply13 and13 attend13 college13 13 Every13 school13 has13 both13 positive13 and13 negative13 factors13 13 You13 must13 choose13 from13 the13 available13 possibilities13 that13 are13 best13 suited13 for13 you13

13 What13 do13 Colleges13 look13 for13 in13 a13 student13 13 1 13 Your13 academic13 record13 is13 your13 introduction13 to13 the13 college13 admissions13 staff13 13 They13 will13 consider13 the13 difficulty13 and13 variety13 of13 the13 courses13 you13 took13 13 Senior13 grades13 and13 courses13 are13 important13

2 13 Standardized13 test13 scores-shy‐ACT13 13 SAT13 13 13 As13 you13 research13 colleges13 make13 note13 of13 the13 test13 required13 by13 each13 school13 13 Record13 the13 information13 on13 the13 spreadsheet13 and13 sign13 up13 for13 the13 correct13 tests13 for13 the13 colleges13 you13 are13 considering13 13 You13 should13 have13 all13 testing13 done13 by13 December13 of13 your13 Senior13 year13

3 13 Counselor13 and13 teacher13 recommendations13 are13 also13 important13 factors13 13 Provide13 each13 with13 a13 resume13 of13 your13 accomplishments13

4 13 Your13 non13 academic13 activities13 and13 accomplishments13 both13 in13 school13 and13 out13 5 13 You13 application13 form-shy‐present13 the13 best13 picture13 of13 yourself13 13 Be13 complete13 6 Who13 am13 I13 and13 what13 are13 my13 uniques13 interests13 aptitudes13 and13 skills13 13 13 13 13 13 13

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
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13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 11: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 813

Planning13 13 Your13 Future13 13 13 13 13 Once13 upon13 a13 timehappily13 ever13 after13 13 The13 dots13 in13 the13 middle13 represent13 your13 life13 up13 to13 now13 13 This13 year13 a13 new13 phase13 of13 your13 life13 begins13 and13 we13 hope13 it13 leads13 to13 ldquohappily13 ever13 afterrdquo13 13 What13 does13 happily13 ever13 after13 look13 like13 13 That13 of13 course13 is13 different13 for13 each13 student13 and13 that13 is13 where13 your13 hard13 work13 will13 pay13 off13 13 It13 is13 comforting13 to13 know13 that13 you13 can13 affect13 this13 outcome13 and13 in13 many13 cases13 it13 is13 directly13 tied13 to13 the13 work13 that13 you13 do13 now13 and13 the13 time13 you13 invest13 now13 in13 planning13 your13 future13 13 We13 look13 forward13 to13 walking13 this13 path13 with13 you13 13 The13 School13 Counseling13 Department13 including13 the13 Grade13 Level13 Counselor13 the13 College13 and13 Career13 Counselor13 the13 IB13 Counselor13 and13 the13 Administrative13 Staff13 is13 ready13 to13 help13 you13 carry13 out13 your13 plans13 and13 achieve13 your13 post13 high13 school13 goals13 13 Letrsquos13 get13 started13 13 Be13 prepared13 for13 one13 of13 the13 busiest13 times13 of13 your13 life13 13 This13 booklet13 will13 give13 you13 information13 on13 each13 of13 the13 steps13 listed13 below13 13 Each13 one13 is13 needed13 as13 you13 develop13 your13 plan13 for13 your13 ldquoever13 afterrdquo13 13 13 13 13 13 113 13 Take13 a13 self-shy‐assessment13 and13 or13 interest13 inventory13 to13 help13 you13 set13 realistic13 13 13 13 13 13 13 13 13 13 goals13 13 213 13 Develop13 or13 update13 your13 resume13 13 313 13 Research13 3-shy‐513 post13 high13 school13 opportunities13 including13 colleges13 military13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 world13 or13 work13 apprenticeship13 and13 training13 programs13 13 413 13 Have13 a13 realistic13 conversation13 with13 your13 parents13 about13 your13 financial13 needs13 13 13 13 13 13 13 13 and13 or13 capabilities13 13 Do13 you13 need13 to13 work13 and13 go13 to13 school13 13 Do13 you13 need13 13 13 13 13 13 13 13 scholarships13 13 Do13 you13 qualify13 for13 need-shy‐based13 scholarships13 such13 as13 the13 Pell13 13 13 13 13 13 13 13 Grant13 13 Can13 your13 parents13 provide13 all13 financial13 assistance13 needed13 to13 finance13 13 13 13 13 13 13 13 the13 next13 phase13 of13 your13 life13 13 513 13 Research13 scholarship13 databases13 to13 determine13 criteria13 and13 if13 you13 qualify13 13 613 13 Make13 copies13 of13 everything13 you13 do13 and13 set13 up13 an13 organized13 system13 to13 track13 13 13 13 13 13 13 13 applications13 and13 other13 materials13 required13 to13 accomplish13 your13 goal13 13 713 13 Be13 aware13 of13 deadlines13 for13 applications13 college13 entrance13 tests13 preview13 days13 13 13 13 13 13 13 13 financial13 aid13 and13 job13 applications13 13 813 13 Begin13 asking13 teachers13 employers13 clergy13 coaches13 or13 other13 significant13 13 13 13 13 13 13 13 13 13 adults13 to13 write13 letters13 of13 recommendation13 you13 may13 need13 9 Complete13 and13 submit13 the13 FAFSA13 (Free13 Application13 for13 Federal13 Student13 Aid)13 13 13 13 13 13 13 13 as13 soon13 as13 possible13 on13 January13 113 201613 13 Priority13 Deadline13 13 131201613 13 13 13 13 13 13 13 13

13 913

Planning13 13 Things13 to13 Consider13 13 13 13 Going13 to13 college13 is13 one13 of13 the13 options13 available13 to13 you13 as13 you13 pursue13 your13 career13 plans13 13 A13 certain13 amount13 of13 planning13 is13 required13 13 Part13 of13 that13 planning13 has13 already13 taken13 place13 in13 the13 courses13 you13 selected13 for13 high13 school13 and13 the13 grades13 you13 made13 in13 each13 13 Choosing13 a13 college13 is13 a13 serious13 decision13 but13 you13 also13 want13 to13 enjoy13 the13 process13 and13 enjoy13 your13 senior13 year13 13 It13 is13 just13 one13 of13 a13 series13 of13 decisions13 that13 will13 help13 you13 move13 toward13 your13 goals13 13 Be13 calm13 and13 businesslike13 in13 your13 approach13 and13 avoid13 stress13 and13 a13 frantic13 approach13 13 You13 are13 doing13 something13 positive13 and13 you13 should13 enjoy13 it13 13 Here13 are13 a13 few13 hints13 to13 help13 you13 make13 this13 important13 decision13 13 1 13 Know13 yourself13 well-shy‐your13 strengths13 weaknesses13 likes13 dislikes13 hopes13 and13 dreams13 13 We13 have13 included13 some13 questions13 below13 to13 help13 you13 develop13 a13 clear13 picture13 13 You13 must13 also13 understand13 and13 accept13 the13 impact13 of13 your13 grades13 and13 test13 scores13

2 13 Research13 your13 options-shy‐there13 are13 several13 different13 paths13 that13 can13 lead13 to13 the13 same13 goal13 13 If13 you13 do13 not13 have13 the13 academic13 record13 that13 allows13 you13 to13 pursue13 your13 first13 option13 make13 another13 plan13 to13 reach13 your13 eventual13 goal13 13 Do13 not13 let13 past13 decisions13 dictate13 your13 path13

3 13 Make13 sure13 you13 are13 communicating13 with13 all13 the13 people13 who13 are13 important13 to13 this13 decision13 making13 process13 13 That13 includes13 parents13 grandparents13 counselors13 teachers13 friends13 college13 reps13 and13 financial13 aid13 experts13 13 Use13 all13 the13 resources13 available13 to13 you13

4 13 Choose13 where13 you13 will13 apply13 and13 attend13 college13 13 Every13 school13 has13 both13 positive13 and13 negative13 factors13 13 You13 must13 choose13 from13 the13 available13 possibilities13 that13 are13 best13 suited13 for13 you13

13 What13 do13 Colleges13 look13 for13 in13 a13 student13 13 1 13 Your13 academic13 record13 is13 your13 introduction13 to13 the13 college13 admissions13 staff13 13 They13 will13 consider13 the13 difficulty13 and13 variety13 of13 the13 courses13 you13 took13 13 Senior13 grades13 and13 courses13 are13 important13

2 13 Standardized13 test13 scores-shy‐ACT13 13 SAT13 13 13 As13 you13 research13 colleges13 make13 note13 of13 the13 test13 required13 by13 each13 school13 13 Record13 the13 information13 on13 the13 spreadsheet13 and13 sign13 up13 for13 the13 correct13 tests13 for13 the13 colleges13 you13 are13 considering13 13 You13 should13 have13 all13 testing13 done13 by13 December13 of13 your13 Senior13 year13

3 13 Counselor13 and13 teacher13 recommendations13 are13 also13 important13 factors13 13 Provide13 each13 with13 a13 resume13 of13 your13 accomplishments13

4 13 Your13 non13 academic13 activities13 and13 accomplishments13 both13 in13 school13 and13 out13 5 13 You13 application13 form-shy‐present13 the13 best13 picture13 of13 yourself13 13 Be13 complete13 6 Who13 am13 I13 and13 what13 are13 my13 uniques13 interests13 aptitudes13 and13 skills13 13 13 13 13 13 13

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
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28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

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Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 12: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 913

Planning13 13 Things13 to13 Consider13 13 13 13 Going13 to13 college13 is13 one13 of13 the13 options13 available13 to13 you13 as13 you13 pursue13 your13 career13 plans13 13 A13 certain13 amount13 of13 planning13 is13 required13 13 Part13 of13 that13 planning13 has13 already13 taken13 place13 in13 the13 courses13 you13 selected13 for13 high13 school13 and13 the13 grades13 you13 made13 in13 each13 13 Choosing13 a13 college13 is13 a13 serious13 decision13 but13 you13 also13 want13 to13 enjoy13 the13 process13 and13 enjoy13 your13 senior13 year13 13 It13 is13 just13 one13 of13 a13 series13 of13 decisions13 that13 will13 help13 you13 move13 toward13 your13 goals13 13 Be13 calm13 and13 businesslike13 in13 your13 approach13 and13 avoid13 stress13 and13 a13 frantic13 approach13 13 You13 are13 doing13 something13 positive13 and13 you13 should13 enjoy13 it13 13 Here13 are13 a13 few13 hints13 to13 help13 you13 make13 this13 important13 decision13 13 1 13 Know13 yourself13 well-shy‐your13 strengths13 weaknesses13 likes13 dislikes13 hopes13 and13 dreams13 13 We13 have13 included13 some13 questions13 below13 to13 help13 you13 develop13 a13 clear13 picture13 13 You13 must13 also13 understand13 and13 accept13 the13 impact13 of13 your13 grades13 and13 test13 scores13

2 13 Research13 your13 options-shy‐there13 are13 several13 different13 paths13 that13 can13 lead13 to13 the13 same13 goal13 13 If13 you13 do13 not13 have13 the13 academic13 record13 that13 allows13 you13 to13 pursue13 your13 first13 option13 make13 another13 plan13 to13 reach13 your13 eventual13 goal13 13 Do13 not13 let13 past13 decisions13 dictate13 your13 path13

3 13 Make13 sure13 you13 are13 communicating13 with13 all13 the13 people13 who13 are13 important13 to13 this13 decision13 making13 process13 13 That13 includes13 parents13 grandparents13 counselors13 teachers13 friends13 college13 reps13 and13 financial13 aid13 experts13 13 Use13 all13 the13 resources13 available13 to13 you13

4 13 Choose13 where13 you13 will13 apply13 and13 attend13 college13 13 Every13 school13 has13 both13 positive13 and13 negative13 factors13 13 You13 must13 choose13 from13 the13 available13 possibilities13 that13 are13 best13 suited13 for13 you13

13 What13 do13 Colleges13 look13 for13 in13 a13 student13 13 1 13 Your13 academic13 record13 is13 your13 introduction13 to13 the13 college13 admissions13 staff13 13 They13 will13 consider13 the13 difficulty13 and13 variety13 of13 the13 courses13 you13 took13 13 Senior13 grades13 and13 courses13 are13 important13

2 13 Standardized13 test13 scores-shy‐ACT13 13 SAT13 13 13 As13 you13 research13 colleges13 make13 note13 of13 the13 test13 required13 by13 each13 school13 13 Record13 the13 information13 on13 the13 spreadsheet13 and13 sign13 up13 for13 the13 correct13 tests13 for13 the13 colleges13 you13 are13 considering13 13 You13 should13 have13 all13 testing13 done13 by13 December13 of13 your13 Senior13 year13

3 13 Counselor13 and13 teacher13 recommendations13 are13 also13 important13 factors13 13 Provide13 each13 with13 a13 resume13 of13 your13 accomplishments13

4 13 Your13 non13 academic13 activities13 and13 accomplishments13 both13 in13 school13 and13 out13 5 13 You13 application13 form-shy‐present13 the13 best13 picture13 of13 yourself13 13 Be13 complete13 6 Who13 am13 I13 and13 what13 are13 my13 uniques13 interests13 aptitudes13 and13 skills13 13 13 13 13 13 13

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
Text Box
28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 13: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 1013

PLANNING13 13 13 The13 Self-shy‐Assessment13 13 This13 is13 an13 important13 first13 step13 in13 moving13 on13 to13 your13 ever13 after13 13 The13 13 that13 were13 previously13 mentioned13 are13 the13 skills13 interests13 aptitudes13 that13 you13 have13 developed13 over13 these13 first13 years13 of13 your13 life13 13 It13 is13 time13 now13 to13 formalize13 and13 crystalize13 your13 picturethe13 picture13 that13 you13 will13 now13 offer13 to13 an13 employer13 a13 college13 a13 military13 recruiter13 or13 a13 volunteer13 organization13 13 It13 is13 the13 sum13 of13 all13 your13 parts13 13 Start13 by13 answering13 the13 questions13 below13 and13 returning13 this13 to13 your13 grade13 level13 counselor13 13 List13 313 to13 513 adjectives13 that13 describe13 you13 and13 give13 an13 example13 of13 each13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 ____________________13 13 _______________________________________________________13 13 How13 do13 you13 rank13 yourself13 in13 terms13 of13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 Below13 Average13 13 13 13 13 Average13 13 13 13 13 Above13 Average13 13 13 13 13 Top13 1013 13 13 13 13 13 13 Energy13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Originality13 13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Independence13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Leadership13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Self13 Confidence13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Perseverance13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 Work13 Habits13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 _______13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
Text Box
28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 14: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 1113

Explain13 an13 experience13 positive13 or13 negative13 that13 has13 had13 the13 greatest13 impact13 in13 making13 you13 who13 you13 are13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 What13 accomplishments13 are13 you13 most13 proud13 of13 from13 9th13 grade13 until13 now13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 List13 activities13 in13 which13 you13 are13 involved13 and13 explain13 the13 213 most13 important13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Is13 there13 anything13 a13 college13 admissions13 director13 or13 employer13 should13 know13 about13 you13 that13 is13 not13 measured13 by13 your13 grades13 and13 test13 scores13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 13 13 13 13 13

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
Text Box
28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 15: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 1213

To13 what13 colleges13 or13 post13 high13 school13 experience13 are13 you13 considering13 applying13 13 Please13 rank13 them13 in13 order13 of13 preference13 first13 to13 last13 13 13 13 1___________________________________13 13 13 13 13 13 13 13 13 13 4_________________________________13 13 2___________________________________13 13 13 13 13 13 13 13 13 13 5_________________________________13 13 3___________________________________13 13 What13 are13 you13 considering13 as13 a13 major13 or13 an13 occupation13 and13 why13 13 ______________________________________________________________________________13 13 ______________________________________________________________________________13 13 Who13 will13 you13 ask13 to13 write13 a13 letter13 of13 recommendation13 for13 you13 13 List13 their13 names13 and13 addresses13 13 Be13 prepared13 to13 give13 each13 your13 resume13 to13 help13 them13 in13 writing13 the13 reference13 13 1___________________________________________________________________________13 13 2___________________________________________________________________________13 13 3___________________________________________________________________________13 13 What13 else13 should13 we13 know13 to13 help13 us13 promote13 your13 application13 (activities13 or13 experiences13 not13 covered13 by13 the13 previous13 questions)13 13 Think13 of13 home13 responsibilities13 reactions13 to13 major13 life13 events13 games13 you13 won13 or13 lost13 honors13 that13 you13 have13 not13 mentioned13 13 It13 is13 the13 kind13 of13 information13 that13 can13 be13 of13 great13 value13 in13 helping13 you13 stand13 out13 among13 numerous13 candidates13 for13 the13 same13 job13 or13 scholarship13 or13 college13 application13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13 13 13 13 13 13 13

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
Text Box
28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 16: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 1313

PLANNING13 13 Knowing13 Yourself13 13 In13 addition13 to13 the13 self-shy‐assessment13 it13 is13 a13 good13 practice13 to13 take13 Interest13 Inventories13 to13 see13 how13 your13 interests13 and13 aptitudes13 match13 up13 with13 the13 world13 around13 you13 13 Some13 good13 inventories13 can13 be13 found13 at13 13 CollegeforTNorg13 13

1 13 13 Create13 an13 account-shy‐If13 you13 need13 help13 call13 1-shy‐800-shy‐468-shy‐692713 and13 speak13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 a13 counselor13 or13 service13 representative13

a 13 13 13 13 13 13 Sign13 in13 using13 your13 username13 and13 password13 b 13 13 13 13 13 13 Use13 save13 when13 it13 is13 offered13 so13 the13 information13 will13 go13 to13 your13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 portfolio13 13 You13 can13 always13 edit13 your13 portfolio13 later13 2 13 13 13 13 13 13 13 Begin13 by13 clicking13 ldquoGuidewaysrdquo13 which13 is13 in13 the13 bottom13 right13 corner13 of13 13 13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 the13 home13 page13 13 Tasks13 are13 organized13 by13 grade13 level13 13 CollegeforTNorg13 has13 five13 components13 13 Career13 Planning13 High13 School13 Planning13 College13 Planning13 Financial13 Aid13 Planning13 and13 Your13 Portfolio13 13 In13 this13 section13 of13 the13 booklet13 you13 should13 take13 time13 to13 explore13 Career13 Planning13 13 In13 this13 section13 you13 can13 13 1 13 13 13 13 13 13 Learn13 About13 Yourself13 13 13 13 13 13 13 13 13 13 13 a13 13 Interest13 Profiler-shy‐Figure13 out13 what13 interests13 you13 have13 and13 match13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 them13 to13 careers13 13 13 13 13 13 13 13 13 13 13 13 13 b13 Basic13 Skills13 Survey-shy‐Find13 out13 what13 careers13 fit13 your13 basic13 skills13 13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Work13 Values13 Sorter-shy‐Find13 out13 your13 work13 values13 and13 match13 them13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 to13 career13 options13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Career13 Cluster13 Survey-shy‐Find13 out13 which13 career13 cluster13 is13 right13 for13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 you13 with13 this13 quick13 survey13 13 13 13 13 13 13 13 13 13 13 13 e13 13 Transferable13 Skills13 Checklist-shy‐See13 how13 skills13 you13 have13 learned13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 can13 lead13 to13 new13 opportunities13 13 13 13 13 13 13 13 13 13 13 13 f13 13 The13 Career13 Key-shy‐Discover13 your13 career13 interest13 213 13 13 13 13 13 13 Explore13 Careers13 13 13 13 13 13 13 13 13 13 a13 13 Browse13 Career13 Clusters13 13 13 13 13 13 13 13 13 13 13 13 b13 Search13 Careers13 (what13 they13 do13 is13 this13 for13 you13 skills13 needed13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 money13 and13 outlook13 interviews)13 13 13 13 13 13 13 13 13 13 13 13 c13 13 Career13 Exploration13 Tools13 13 13 13 13 13 13 13 13 13 13 13 d13 13 Careers13 with13 Video13 Clips13 -shy‐63513 Careers13 available13 313 13 13 13 13 13 13 Job13 Skills13 13 13 13 13 13 13 13 13 13 13 Resume13 Builder13 Job13 Interview13 Practice13 Apprenticeships13 13 Careers13 of13 Interest13 to13 Me13 ____________________________________________________13 13 _____________________________________________________________________________13 13 _____________________________________________________________________________13 13 13

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
Text Box
28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 17: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13

13 1513

Full13 Name13 __________________________________________13 Address13 13 13 13 13 __________________________________________13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 __________________________________________13 Phone13 13 13 13 13 13 13 13 13 __________________________________________13 13 E-shy‐mail13 13 13 13 13 13 13 13 13 __________________________________________13

13 13 EducationCareer13 Goals13 13 __________________________________________________________________________13 _________________________________________________________________________________________________________13 13 School-shy‐Related13 Activities13 13 Clubs13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Organizations13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Athletic13 Teams13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 13 Volunteer13 Activities13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 13 13 _______________________________________________________________________________13 Non-shy‐School13 Related13 Activities13 (church13 involvement13 lessons13 sports)13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Work13 History13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Honors13 Awards13 amp13 Competitions13 13 13 _____________________________________13 _______________________________________13 13 13 _____________________________________13 _______________________________________13 Interests13 Skills13 Talents13 and13 Travel13 Experiences13 (optional)13 13 13 _______________________________________________________________________________13 References13 (3)13 13 Name13 position13 e-shy‐mail13 address13 mailing13 address13 phone13 number13

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
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28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

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dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 18: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 1613

Planning Information for Recommendation Letter Name______________________________________________________________________ Email______________________________Cell _______________________________ List 3 adjectives that you think most accurately describe you 1________________________ 2________________________ 3____________________ List the college and or universities that you are interested in 1________________________ 2________________________ 3____________________ List any careers or vocational areas that you are interested in 1________________________ 2________________________ 3____________________ Describe any special project you have initiated or organized ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ What is the one accomplishment qualification or quality that sets you apart from your peers ___________________________________________________________________________ ___________________________________________________________________________ Do you have a special talent such as artist thespian vocalist or musician and are you interested in pursuing that interest or talent in college If yes list the area ___________________________________________________________________________ Have you attended any special conferences or camps such as HOBY Boys or Girls State Governorʼs School If so how did that experience make a difference in your life ___________________________________________________________________________ ___________________________________________________________________________ ___________________________________________________________________________ How do you think you have impacted your classroom your school your community or even your family Explain how your involvement has made a difference _______________________________________________________________13 _______________________________________________________________

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
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13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 19: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 1713

Processing Selecting a College13 13 13 Letrsquos13 think13 about13 the13 following13 key13 issues13 13 13 ACADEMIC13 PROGRAM-shy‐Types13 of13 Schools13

bull University-shy‐Usually13 has13 a13 liberal13 arts13 college13 as13 well13 as13 several13 other13 specialized13 colleges13 such13 as13 business13 engineering13 education13 agriculture13 law13 and13 medicine13 13 Each13 of13 these13 individual13 colleges13 may13 have13 its13 own13 set13 of13 entrance13 requirements13

bull Four-shy‐year13 college-shy‐13 An13 institution13 of13 higher13 learning13 that13 offers13 curriculum13 leading13 to13 a13 four-shy‐year13 Bachelor13 of13 Arts13 or13 Bachelor13 of13 Science13

bull Two-shy‐year13 college13 (community13 college13 technical13 college)-shy‐Offers13 associate13 degree13 programs13 that13 serve13 as13 the13 first13 two13 years13 of13 a13 bachelorrsquos13 degree13 (413 yr13 degree)13 andor13 provide13 skills13 needed13 for13 entry13 into13 technical13 career13 fields13

bull VocationalTrade13 School-shy‐13 Offers13 career-shy‐oriented13 programs13 that13 may13 last13 from13 a13 few13 months13 to13 a13 couple13 of13 years13 13 These13 schools13 are13 often13 proprietary13 (for-shy‐profit)13 institutions13 and13 generally13 do13 not13 offer13 transfer13 programs13 or13 programs13 parallel13 to13 those13 of13 four-shy‐year13 colleges13

AFFILIATION13 bull Public13 (lower13 in-shy‐state13 TN13 tuition)13 bull Private13 independent13 (same13 cost13 for13 everyone)13 bull Private13 church13 affiliated13 (same13 cost13 for13 everyone)13 bull Proprietary13 (more13 expensive13 than13 public)13

13 ADMISSIONS13

bull Highly13 Selective-shy‐students13 rank13 in13 top13 1013 percent13 of13 class13 and13 have13 a13 very13 strong13 academic13 record13 bull Selective-shy‐students13 rank13 in13 the13 top13 2513 percent13 of13 class13 and13 have13 a13 strong13 academic13 record13 bull Traditional-shy‐13 Students13 rank13 in13 the13 top13 5013 percent13 of13 class13 and13 have13 a13 good13 academic13 record13 bull Liberal-shy‐13 Many13 students13 are13 accepted13 from13 lower13 half13 of13 class13 bull Open-shy‐13 All13 students13 are13 accepted13 to13 limit13 of13 schoolrsquos13 capacity13

13 ACADEMIC13 ENVIRONMENT13

bull Is13 your13 major13 offered13 (If13 not13 offered13 in13 TN13 see13 Academic13 Common13 Market)13 bull Student-shy‐faculty13 ratio13 bull Faculty13 teaching13 reputation13 bull Instruction13 by13 professors13 versus13 teaching13 assistants13 bull Facilities13 (such13 as13 classrooms13 and13 labs)13 bull Libraries13 bull Independent13 study13 and13 International13 study13 available13 bull Internships13 available13

SIZE13 bull Very13 small13 (fewer13 than13 100013 students)13 bull Small13 (1000-shy‐3999)13 bull Medium13 (4000-shy‐8999)13 bull Large13 (9000-shy‐19000)13 bull Very13 large13 (more13 than13 20000)13

13 One13 of13 the13 major13 distinctions13 between13 large13 and13 small13 schools13 is13 course13 offerings13 and13 student-shy‐faculty13 ratio13 13 Most13 large13 schools13 have13 extensive13 course13 offerings13 however13 many13 classes13 (esp13 freshman13 year)13 will13 be13 extremely13 big13 lecture13 classes13 sometimes13 numbering13 hundreds13 of13 students13 13 At13 smaller13 schools13 there13 will13 be13 more13 limited13 course13 offerings13 and13 fewer13 majors13 or13 departments13 but13 most13 classes13 will13 be13 pretty13 small13 often13 limited13 to13 2013 or13 fewer13 students13 13 As13 you13 think13 about13 large13 and13 small13 schools13 keep13 in13 mind13 that13 this13 is13 all13 relative13 13 Even13 at13 larger13 schools13 yoursquoll13 have13 opportunities13 to13 take13 smaller13 classes13 and13 seminars13 either13 at13 higher13 levels13 of13 in13 special13 programs13 13 Many13 small13 schools13 are13 affiliated13 with13 other13 smaller13 schools13 that13 group13 together13 as13 part13 of13 a13 consortium13 which13 greatly13 increases13 the13 opportunities13 and13 resources13 available13 to13 students13 13 LOCATION13 A13 schoolrsquos13 climate13 and13 distance13 from13 home13 are13 important13 considerations13 for13 many13 students13 13 Some13 students13 want13 to13 go13 to13 school13 relatively13 close13 to13 home13 others13 want13 to13 get13 as13 far13 away13 as13 possible13 13 Living13 at13 home13 or13 near13 home13 can13 save13 on13 travel13 expenses13 and13 other13 living13 expenses13 13 For13 many13 though13 college13 marks13 the13 first13 opportunity13 to13 live13 on13 their13 own13 and13 develop13 a13 sense13 of13 independence13 and13 responsibility13 13

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
Text Box
28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
Text Box
43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 20: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 1813

SETTING13 bull Rural13 bull Small13 town13 bull Suburban13 bull Urban13

If13 you13 attend13 school13 in13 a13 city13 yoursquoll13 have13 any13 number13 of13 cultural13 activities13 not13 to13 mention13 cuisines13 to13 choose13 from13 13 But13 yoursquoll13 also13 have13 pollution13 crowds13 and13 noise13 for13 which13 you13 will13 have13 to13 adjust13 13 Colleges13 located13 in13 rural13 locations13 on13 the13 other13 hand13 are13 more13 like13 those13 scenic13 campuses13 you13 see13 in13 movies13 13 You13 can13 live13 in13 beautiful13 peaceful13 collegiate13 surroundings13 which13 can13 make13 it13 easier13 to13 work13 and13 study13 13 Also13 at13 rural13 and13 suburban13 campuses13 there13 is13 often13 a13 stronger13 sense13 of13 community13 and13 cultural13 activities13 are13 frequently13 brought13 to13 campus13 13 COST13

bull Scholarships13 bull Grants13 bull Loans13 bull Work-shy‐study13 program13 bull Part-shy‐time13 or13 full-shy‐time13 jobs13

13 How13 much13 you13 can13 afford13 to13 pay13 for13 your13 education13 is13 obviously13 a13 major13 factor13 in13 determining13 where13 you13 apply13 13 Do13 not13 pass13 over13 an13 institution13 that13 appears13 too13 expensive13 13 You13 may13 receive13 financial13 aid13 that13 makes13 your13 education13 affordable13 You13 should13 investigate13 the13 many13 forms13 of13 financial13 aid13 that13 are13 available13 through13 the13 collegersquos13 financial13 aid13 office13 13 In13 addition13 to13 tuition13 and13 fees13 you13 should13 consider13 such13 factors13 as13 the13 room13 and13 board13 expenses13 as13 well13 as13 the13 cost13 of13 traveling13 back13 and13 forth13 to13 school13 between13 college13 sessions13 13 STUDENT13 LIFE13

bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 and13 intramurals13

13 You13 are13 going13 to13 spend13 a13 significant13 amount13 of13 time13 attending13 classes13 and13 studying13 but13 you13 will13 still13 have13 time13 to13 become13 involved13 in13 some13 kid13 of13 extracurricular13 activity13 or13 organization13 13 You13 will13 need13 to13 look13 at13 the13 range13 of13 activities13 that13 are13 available13 13 It13 is13 important13 that13 you13 choose13 a13 school13 where13 you13 feel13 comfortable13 both13 at13 work13 and13 play13 13 The13 best13 way13 to13 judge13 the13 social13 atmosphere13 at13 a13 school13 might13 be13 by13 visiting13 and13 staying13 overnight13 with13 a13 student13 13 SUPPORT13 SERVICES13

bull Academic13 counseling13 bull Careerplacement13 counseling13 bull Personal13 counseling13 bull Student13 health13 facilities13

13 ATHLETICS13

bull Division13 I13 II13 or13 III13 bull Sports13 offered13 bull Intramurals13 bull Scholarships13 available13

13 SPECIALIZED13 PROGRAMS13

bull Honors13 programs13 bull Study13 Abroad13 bull National13 student13 exchange13 programs13 bull Services13 for13 students13 with13 disabilities13 or13 special13 needs13

FINAL13 HELPFUL13 HINTS13 WHEN13 CHOOSING13 A13 COLLEGE13 bull VISIT13 EVERY13 COLLEGE13 bull CONSIDER13 AN13 ACTUAL13 COST13 RATHER13 THAN13 ldquoSTICKER13 PRICErdquo13 bull CONTACT13 AN13 ENROLLED13 STUDENT13 bull GET13 ANSWERS13 TO13 KEY13 QUESTIONS13 bull TRUST13 YOUR13 INSTINCTS13 bull CHECK13 AND13 STICK13 TO13 DEADLINES13

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

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28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 21: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

19

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILEAustin Peay State Univ Clarksville TN 285 20 940Arkansas State Univ Jonesboro AR 25 21Arkansas Tech Univ Russellville AR ACT 19-26SAT 89090 have 30+GPAAuburn Univ Auburn AL ACT 22-27SAT 1020+90 30+GPABelmont Univ (p) Nashville TN ACT=24-29 GPA avg 35Carson Newman (p) Jefferson City TN ACT=23 GPA Avg 34Christian Brothers Univ Memphis TN 2OO 21 Rank in upper 23rds of classDyersburg State CC-2yr Dyersburg TN Open admissions ACT 19 English amp MathEast TN State Univ Johnson TN 23 19Emory Univ (p) Atlanta GA ACT 30-33SAT 2020 80 35+ACT writFisk Univ (p) HB Nashville TN ACT 21 + GPA 30Freed Hardeman Univ (p) Henderson TN ACT Avg 23 90 have 30 or betterGrambling Univ HB Grambling LA ACT Avg 18+ 20 GPAJackson State Univ HB Jackson MS 25 GPA +16 ACT 20GPA +18 ACTLambuth Univ (p) Jackson TN ACT 20-25 60 have 30 or betterLane College (p) HB Jackson TN Avg ACT 17 + GPA 22LeMoyne Owen (p) HB Memphis TN ACT 14-17 GPA 20Lincoln Memorial (p) Harrogate TN 32 19Lipscomb Univ (p) Nashville TN ACT 21-27 85 have 30 or betterLouisiana State Univ Baton Rouge LA 3OO 22 ACT 23-28 SAT 1030 90 have 30+Maryville College (p) Maryville TN ACT 21-28GPA 30+SAT 950+Memphis College of Art (p) Memphis TN ACT 21-2570 30+essayportfoliointerMiddle TN State Murfreesboro TN ACT 22 or 30 GPA or ACT 19 +27 GPAMillsaps College(p) Jackson MS ACT 23-29 85 have 30+Mississippi College (p) Clinton MS ACT 20-26 85 have 30+Mississippi State Starkville MS ACT 16 +25 or ACT18 +20 or 32 GPAMurray State Univ Murray KY 3O 18 ACT 18-24SAT 890 75 have 30+GPANortheast MS CC- 2yr Booneville MS Open admissionsNorthwest MS CC-2 yr Senatobia MS Open admissionsOxford College (Emory) Atlanta GA ACT 25-30 + GPA 355 or betterRhodes College (p) Memphis TN SAT 1180 75 have 35+ACT 27+Southeast Missouri State U Cape Girardeau MO ACT 21 + GPA 20 ACT 18 + GPA 275Southwest TN CC-2yr Memphis TN Open admissions ACT 19 English amp Math

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
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28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
Text Box
43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 22: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Quick Reference Admissions Guide for Selected Tennessee and Out of State Colleges

(p)= Private CollegeHB= Historical Black College

20

SCHOOL NAME LOCATION GPA ACT SAT FRESHMAN PROFILESpelman College (p) HB Atlanta GA ACT 24 Avg GPA 37 women onlyTN State Univ HB Nashville TN ACT 19 + GPA 225TN Technological Univ Cookville TN ACT 19 +20 GPA or ACT 17 +25 GPATrevecca Nazarene Univ (p)Nashville TN 25 18 860Tulane University New Orleans LA ACT 29-32SAT 1950-215080 top 20Tusculum College (p) Greeneville TN ACT 19-24Union Univ (p) Jackson TN 25 22 1030 or top 50 of classUniv Ark Pine Bluff HB Pine Bluff AR ACT 14-18Univ Mississippi (Ole Miss) Oxford MS ACT 16 +GPA 25 ACT 18+GPA 20Univ of Alabama Tuscaloosa AL 3O 21 970 ACT writing reqdUniv of Arkansas Fayetteville AR 3O 20 ACT 23-29 SAT 1030 90 have 30+Univ of Central Arkansas Conway AR ACT 20-2770 have 30+GPAUniv of Georgia Athens GA ACT 25-29SAT 1140 85 have 35+GPAUniv of Memphis Memphis TN GPA X 30 + ACT= 100 (+subscore req)Univ of South (Sewanee p) Sewanee TN 35 26 1160 ACT 25-3085 have 30+ ACT writingUT Chattanooga Chattanooga TN ACT 18 +285GPA or ACT 21 +25GPAUT Knoxville Knoxville TN ACT 23-28 supscoreSAT 105090 30+UT Martin Martin TN ACT 21 +27GPA or ACT 19 +30GPAVanderbilt Univ (p) Nashville TN ACT 29-34SAT 1030 75 35+GPAWestern Kentucky Univ Bowling Green KY 25 20 ACT 18-24 SAT 89075 30+GPALIST OTHERS BELOW

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
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13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 23: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 2113

Processing13 13 213 Year13 Community13 Colleges13 and13 Technical13 Colleges13 13 Two13 year13 colleges13 generally13 have13 an13 open13 enrollment13 which13 means13 all13 applicants13 are13 accepted13 but13 still13 must13 meet13 ACT13 sub-shy‐score13 requirements13 in13 order13 to13 enroll13 in13 college13 level13 coursework13 13 The13 required13 subscores13 are13 13 Reading13 and13 English=1813 and13 math=1913 13 There13 is13 no13 current13 requirement13 for13 the13 science13 subcore13 13 Students13 who13 do13 not13 meet13 these13 subscore13 requirements13 will13 take13 the13 COMPASS13 placement13 test13 at13 the13 college13 in13 order13 to13 be13 placed13 in13 remedial13 coursework13 prior13 to13 college13 coursework13 in13 that13 subject13 area13 13 Two13 year13 colleges13 are13 excellent13 ways13 to13 begin13 your13 post13 high13 school13 training13 13 It13 makes13 good13 sense13 economically13 to13 start13 a13 two13 year13 school13 to13 take13 general13 education13 requirements13 take13 remedial13 coursework13 and13 or13 earn13 an13 Associatersquos13 degree13 13 The13 TN13 AchievesTN13 Promise13 program13 will13 allow13 students13 to13 earn13 an13 Associatersquos13 Degree13 tuition13 free13 13 The13 credits13 earned13 at13 a13 two13 year13 school13 may13 be13 transferred13 to13 a13 413 year13 college13 in13 order13 to13 complete13 a13 Bachelorrsquos13 Degree13 13 Two13 year13 schools13 also13 offer13 certificate13 programs13 shorter13 than13 two13 years13 in13 length13 that13 can13 lead13 to13 industry13 Certification13 13 Some13 students13 may13 not13 be13 interested13 in13 attending13 a13 four-shy‐year13 college13 and13 would13 rather13 attend13 a13 specific13 vocational13 training13 school13 which13 would13 provide13 them13 with13 the13 necessary13 education13 in13 a13 shorter13 period13 of13 time13 13 Specialized13 vocational13 or13 technical13 schools13 would13 be13 more13 beneficial13 than13 a13 two13 or13 four13 year13 college13 if13 the13 student13 is13 more13 interested13 in13 learning13 a13 skilled13 trade13 or13 the13 student13 possesses13 talent13 and13 interest13 in13 a13 technical13 career13 13 Investigations13 of13 job13 opportunities13 reveal13 that13 thousands13 of13 occupations13 require13 training13 that13 may13 be13 obtained13 from13 career-shy‐related13 schools13 and13 are13 just13 as13 rewarding13 as13 those13 achieved13 through13 a13 two13 or13 four13 year13 program13 13 Students13 at13 TN13 Technology13 Centers13 are13 also13 eligible13 for13 the13 TN13 AchievesTN13 Promise13 scholarship13 which13 will13 pay13 up13 to13 two13 years13 13 The13 Wilder13 Naifeh13 Grant13 through13 the13 HOPE13 scholarship13 program13 may13 also13 be13 used13 13 There13 are13 no13 academic13 or13 financial13 requirements13 for13 either13 of13 these13 scholarship13 programs13 13 Many13 trades13 such13 as13 electrical13 steam13 fitters13 pipe13 fitters13 and13 construction13 offer13 apprenticeship13 programs13 13 These13 programs13 allow13 students13 to13 get13 work13 experience13 while13 being13 paid13 and13 attend13 classes13 in13 the13 evening13 13 Contact13 the13 local13 representatives13 to13 discuss13 admissions13 criteria13 for13 each13 13 Please13 carefully13 research13 For-shy‐Profit13 Career13 Technical13 schools13 or13 ldquoCollegesrdquo13 13 Many13 of13 these13 school13 are13 not13 accredited13 enough13 to13 transfer13 classes13 to13 other13 schools13 13 Tuition13 at13 For-shy‐Profit13 schools13 is13 typically13 much13 higher13 than13 an13 accredited13 state13 school13 13 Be13 thorough13 in13 your13 investigation13 and13 research13 about13 the13 success13 of13 these13 schools13 13 13

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

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13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

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City Yearwwwcityyearorg

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College AdmissionsCollege Searchwwwfastwebcomcollege-search

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Collegewwwcollegegov

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Common Applicationwwwcommonapporg

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Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

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  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 24: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 2213

Associate of Applied Science (AAS) Degrees Accountancy Computer Concentration Architectural Engineering Technology Architectural Design Concentration CivilConstruction Concentration Automotive Service Technology General Motors ASEP middot ASENATEF Certified Automotive Service Technology Biotechnology Biotechnology Technician Forensic Science Technician Concentration Business and Commerce Banking and Finance Concentration Electronic Business Management Concentration Human Resource Management Concentration LogisticsTransportation Management Concentration Management Concentration Quality and Productivity Concentration Computer Engineering Technology Criminal Justice Studies Corrections Concentration Law Enforcement Concentration Dietetic Technician Early Childhood Education Electrical Engineering Technology Electrical Design Concentration Electronic Technology Emergency Medical Services ndash Paramedic General Technology Emphasis in Business Emphasis in Technology Graphic Arts Technology Graphic Arts Production Interactive Multimedia Production Concentration Hospitality Management Culinary Arts Concentration Food and Beverage Management Concentration HotelMotel Management Concentration Information Technology Application Development Programming Concentration Computer Systems Support Concentration Emerging Technologies Concentration Networking Technologies Concentration UNIXLINUX Concentration Web Technology Concentration Mechanical Engineering Technology Mechanical Design Concentration Manufacturing Concentration Medical Laboratory Technician Mid-Management Nursing Generic Track LPN Mobility Track Office Technology Court ReportingClosed Captioning Financial Administration Assistant Concentration General Administrative Assistant Concentration Legal Administrative Assistant Concentration Medical Administration Assistant Concentration Paralegal Studies Corporate and Banking Concentration General Practice Concentration Litigation Concentration Real Estate Concentration Physical Therapist Assistant Radiologic Technology

Associate of Science (AS) Degree Associate of Applied Science in Professional Studies

Concentration Information Technology Associate of Applied Science in Early Childhood Education Associate of Applied Science in Web Technology Associate of Arts in Criminal Justice Associate of Science in Criminal Justice Associate of Arts in General Studies (University Parallel) Associate of Science in General Studies (University Parallel) Associate of Science in General Studies Elective Concentration

for Teacher Aides Paraprofessionals Preparation (University Parallel)

University Parallel Associate of Arts (AA) Degree Art Education English and Literature French or Spanish General Studies History Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology Speech and Theater University Parallel Associate of Science (AS) Degree Allied Health Science Business Administration Criminal Justice Early Childhood Education Engineering General Studies Health and Physical Education History Human Services Mathematics Music Natural Sciences Philosophy Political Science Pre-Law Psychology Public Administration Social Work Sociology

Technical Certificates Accountancy ArchitecturalConstruction Fundamentals Basic Electronics Technician Computer Software Specialist Customs Brokerage Early Childhood Education ElectricalElectronic Fundamentals Emergency Medical Technician ndash Basic Food Preparation Safety and Service Homeland Security Assessment Home Manager Industrial Computer Fundamentals Laboratory Phlebotomy Technician LogisticsTransportation Management MechanicalManufacturing CAD Paramedic Pharmacy Technician Quality Assurance Quality Assurance Supervision Substance Abuse Counseling

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

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c

ontacts

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13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

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13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
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13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

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Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 25: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 2313

Tennessee13 College13 of13 Applied13 Technology13 55013 Alabama13 Ave13 Memphis13 TN13 3810513

543-shy‐610013 wwwtcatmemphisedu13

13 Full-shy‐time13 Program13 Offerings13 (6-shy‐2413 month13 programs)13 Administrative13 Office13 Technology13 Aircraft13 Mechanics13 Assistant13 Animal13 Laboratory13 Technology13 Automotive13 Technology13 Avionics13 Maintenance13 Technology13 Barbering13 Building13 Construction13 Technology13 Collision13 Repair13 Technology13 Computer13 Based13 Graphics13 Design13 Computer13 Information13 Technology13 Cosmetology13 Dental13 Assisting13 Dental13 Laboratory13 Technology13 Diesel13 Powered13 Equipment13 Technology13 Drafting13 amp13 CAD13 Technology13 Electronics13 Technology13 Health13 Information13 Technology13 Heating13 Ventilation13 Air13 Conditioning13 and13 Refrigeration13 IndustrialMachinery13 Maintenance13 Repair13 Machine13 Tool13 Technology13 Masonry13 Pharmacy13 Technology13 Practical13 Nursing13 Truck13 Driving13 Welding13 Brazing13 amp13 Soldering13 13 Career13 technical13 programs13 are13 also13 available13 at13 2513 TCAT13 Centers13 across13 Tennessee13 13 Graduates13 qualify13 for13 the13 Wilder-shy‐Naifeh13 Technical13 Skills13 Grant13 if13 FAFSA13 is13 completed13 before13 deadline13 13 Students13 may13 also13 use13 the13 TN13 AchievesPromise13 Scholarship13 at13 TCAT13 centers13 13

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
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28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 26: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 2413

MILITARY SERVICE

Types13 of13 Programs13 Military13 Academy13 (Most13 competitive-shy‐$013 Cost)13

ROTC13 Scholarship13 (Military13 will13 pay13 for13 tuition)13

ROTC13 Program13 in13 College13

Enlistment13 after13 or13 during13 High13 School13 for13 2-shy‐613 years-shy‐13 Take13 college13 courses13 while13 in13 the13 military13 using13 the13 Tuition13 Assistance13 of13 $45000013 a13 year13

ASVAB13 Testing13 Armed13 Services13 Vocational13 Aptitude13 Battery13

bull Must13 take13 the13 ASVAB13 (free13 military13 entrance13 test)13 bull The13 ASVAB13 is13 given13 at13 Bolton13 in13 late13 September13 and13 late13 February13 bull Most13 RECENT13 ASVAB13 score13 is13 used13 NOT13 the13 highest13 score13 So13 make13 sure13 you13 are13 10013 sure13 that13 you13 wish13 to13 retest13 If13 your13 score13 decreases13 you13 will13 be13 stuck13 with13 the13 new13 score13 13

bull ASVAB13 can13 be13 scheduled13 to13 take13 on13 a13 computer13 by13 a13 military13 recruiter13 bull FREE13 ASVAB13 test13 prep13 at13 MARCH2SUCCESScom13 The13 Montgomery13 GI13 Bill13 offers13 over13 $500000013 towards13 a13 college13 education13 13 BRANCHES13 13 Required13 ASVAB13 Score13 Air13 Force13 13 13 13 5013 Army13 13 13 13 3113 Coast13 Guard13 13 13 4013 Marines13 13 13 13 3513 Navy13 13 13 13 13 4013 TN13 National13 Guard13 13 3113 ASVAB13 scores13 may13 vary13 from13 year13 to13 year13 depending13 on13 training13 needs13 13 Meet13 with13 a13 military13 recruiter13 to13 get13 ASVAB13 requirement13

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
Text Box
28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 27: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 2513

Processing Visiting a Campus How13 many13 colleges13 should13 be13 on13 my13 final13 list13 13 There13 is13 no13 standard13 answer13 but13 by13 the13 senior13 year13 you13 should13 have13 done13 enough13 research13 to13 have13 3-shy‐513 serious13 contenders13 13 They13 should13 fall13 into13 313 categories13 13 13 13 Category13 I13 includes13 your13 dream13 school13 13 Even13 though13 it13 is13 a13 long13 shot13 it13 should13 be13 a13 school13 that13 you13 have13 the13 credentials13 to13 be13 admitted13 to13 if13 everything13 worked13 out13 13 13 13 Category13 II13 should13 be13 a13 reasonable13 and13 realistic13 school13 for13 you13 13 Category13 III13 is13 a13 school13 to13 which13 admission13 is13 highly13 likely13 13 These13 are13 your13 safe13 schools13 13 Category13 I13 schools13 are13 not13 necessarily13 better13 schools13 for13 you13 than13 Category13 III13 13 Selectivity13 can13 limit13 your13 chance13 for13 admission13 or13 if13 the13 college13 is13 smaller13 it13 may13 not13 even13 have13 the13 major13 that13 you13 are13 interested13 in13 13 13 13 A13 visit13 to13 the13 campus13 is13 very13 important13 and13 can13 be13 the13 final13 factor13 in13 your13 decision13 of13 what13 college13 is13 best13 for13 you13 13 Many13 colleges13 have13 preview13 days13 and13 advertise13 those13 on13 the13 college13 web13 page13 13 Make13 an13 appointment13 to13 ensure13 that13 you13 get13 to13 meet13 with13 a13 representative13 of13 the13 school13 and13 to13 make13 sure13 that13 you13 get13 to13 see13 the13 parts13 of13 campus13 that13 are13 most13 important13 to13 you13 (dorms13 athletic13 facilities13 college13 professors13 and13 major13 specific13 buildings13 to13 name13 a13 few)13 13 You13 want13 to13 understand13 the13 criteria13 you13 are13 looking13 for13 in13 a13 school13 and13 know13 which13 school13 is13 a13 realistic13 option13 for13 you13 13 Consider13 staying13 on13 campus13 overnight13 if13 that13 is13 an13 option13 13 Eating13 in13 the13 cafeteria13 sleeping13 in13 the13 dorms13 and13 attending13 classes13 will13 give13 you13 a13 better13 sense13 of13 what13 it13 is13 like13 to13 be13 on13 campus13 13 You13 will13 want13 to13 check13 out13 as13 many13 of13 the13 facilities13 as13 possible13 including13 the13 recreational13 facilities13 and13 even13 attending13 an13 athletic13 event13 if13 that13 is13 of13 interest13 to13 you13 13 13 13 13 13 13 13 13 13 13 13

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
Text Box
28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

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13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
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13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 28: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 2613

Processing13 13 Questions13 to13 ask13 on13 a13 College13 Visit13 13 13 13 When13 you13 complete13 your13 college13 visit13 you13 want13 to13 have13 the13 information13 you13 need13 to13 determine13 if13 this13 college13 meets13 the13 criteria13 of13 the13 college13 that13 is13 right13 for13 you13 13 Be13 organized13 and13 talk13 to13 a13 variety13 of13 people13 13 Make13 sure13 you13 leave13 the13 school13 with13 contact13 information13 for13 your13 college13 admissions13 rep13 13 1 What13 courses13 are13 included13 in13 a13 typical13 freshman13 program13 13 13 2 What13 is13 the13 yearly13 cost13 of13 attendance13 including13 books13 tuition13 fees13 housing13 and13

meal13 plans13 3 How13 do13 I13 apply13 for13 scholarships13 and13 financial13 aid13 13 13 13 If13 I13 demonstrate13 need13 will13

the13 school13 be13 able13 to13 prepare13 a13 financial13 aid13 package13 that13 will13 meet13 10013 of13 the13 demonstrated13 need13 13 13

4 What13 types13 of13 payment13 plans13 exist13 for13 paying13 my13 part13 of13 the13 bill13 5 How13 easy13 is13 it13 to13 find13 a13 job13 on13 campus13 13 Are13 work13 study13 programs13 available13 6 13 How13 many13 students13 return13 after13 the13 freshman13 year13 7 Does13 your13 school13 offer13 opportunities13 to13 study13 abroad13 8 13 Do13 you13 accept13 AP13 13 IB13 13 Dual13 Enrollment13 classes13 for13 credit13 13 What13 scores13 are13

needed13 for13 credit13 9 What13 are13 your13 application13 deadlines13 Scholarship13 Deadlines13 13 Admission13

Requirements13 13 Average13 ACTSAT13 scores13 10 13 Do13 you13 require13 SATII13 exams13 and13 if13 so13 how13 many13 and13 which13 ones13 13 13 11 13 Do13 you13 require13 test13 scores13 to13 be13 sent13 directly13 to13 you13 from13 ACT13 or13 SAT13 or13 can13

they13 be13 shown13 on13 a13 transcript13 12 Is13 there13 a13 place13 of13 worship13 near13 by13 that13 matches13 my13 religious13 preference13 13 13 What13 percentage13 of13 students13 belong13 to13 a13 fraternity13 or13 sorority13 14 13 How13 do13 I13 meet13 with13 an13 advisor13 and13 how13 is13 that13 system13 organized13 15 13 What13 method13 of13 transportation13 is13 used13 to13 get13 around13 campus13 16 13 Can13 freshmen13 have13 a13 car13 on13 campus13 17 13 Do13 freshmen13 have13 to13 live13 in13 a13 dorm13 on13 campus13 13 Are13 some13 dorms13 better13 than13

others13 13 Can13 I13 live13 off13 campus13 13 How13 much13 does13 housing13 cost13 18 13 How13 are13 roommates13 assigned13 and13 how13 many13 are13 assigned13 to13 a13 room13 19 13 Do13 students13 go13 home13 on13 weekends13 13 What13 happens13 here13 on13 weekends13 20 13 When13 do13 I13 have13 to13 declare13 a13 major13 13 What13 is13 the13 most13 popular13 major13 21 13 Do13 students13 typically13 graduate13 in13 413 years13 22 13 What13 are13 the13 largest13 classes13 I13 can13 expect13 as13 a13 freshman13 13 23 13 Is13 there13 an13 Honors13 Program13 for13 talented13 students13 13 How13 do13 I13 qualify13 24 13 Does13 the13 school13 help13 graduates13 find13 jobs13 25 13 What13 are13 the13 most13 popular13 extracurricular13 activities13 26 13 What13 intramural13 sports13 are13 on13 campus13 13 Do13 have13 recreational13 facilities13 27 13 Where13 is13 the13 central13 gathering13 place13 for13 students13 28 13 Do13 you13 have13 a13 health13 facility13 on13 campus13 29 13 What13 tutoring13 counseling13 and13 support13 services13 are13 available13 on13 campus13 and13

how13 are13 they13 accessed13 13 13 30 13 What13 meal13 plans13 area13 available13 13 What13 hours13 can13 students13 access13 food13 services13

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
Text Box
dcarrico
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28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
Text Box
33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 29: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 2713

13 Processing13 13 Scheduling13 a13 College13 Visit13 You13 may13 schedule13 a13 visit13 two13 ways13 13 13 1 13 Go13 online13 and13 register13 if13 you13 want13 to13 be13 a13 part13 of13 a13 tour13 and13 get13 a13 general13 tour13 of13 the13 campus13

2 13 Call13 for13 a13 more13 individual13 tour13 where13 you13 can13 request13 specific13 areas13 (such13 as13 Business13 College13 Nursing13 program)13 to13 see13 when13 you13 are13 on13 tour13 13 You13 should13 call13 at13 least13 213 weeks13 prior13 to13 your13 visit13 13 October13 is13 a13 busy13 month13 so13 phone13 well13 in13 advance13 13 Phone13 numbers13 are13 available13 on13 the13 college13 website13

Let13 the13 college13 know13 what13 major(s)13 and13 special13 interests13 you13 would13 like13 to13 pursue13 13 Ask13 them13 to13 set13 up13 a13 visit13 with13 a13 professor13 or13 sit13 in13 on13 a13 class13 If13 you13 need13 financial13 assistance13 to13 pay13 for13 college13 you13 will13 want13 to13 meet13 with13 someone13 in13 the13 financial13 aid13 office13 If13 this13 is13 an13 institution13 that13 requires13 interviews13 you13 will13 want13 to13 arrange13 for13 this13 to13 happen13 as13 well13 If13 this13 institution13 does13 not13 require13 an13 interview13 you13 may13 want13 to13 still13 stop13 in13 the13 admissions13 office13 and13 introduce13 yourself13 to13 the13 director13 of13 admissions13 or13 the13 representative13 for13 your13 region13 13 Remember13 you13 want13 them13 to13 associate13 a13 name13 with13 a13 face13 Many13 colleges13 assist13 families13 with13 overnight13 arrangements13 13 If13 you13 need13 assistance13 please13 ask13 13 Friday13 and13 Saturday13 nights13 are13 usually13 not13 an13 option13 Be13 sure13 to13 ask13 them13 what13 time13 you13 need13 to13 be13 on13 campus13 where13 you13 need13 to13 go13 when13 you13 arrive13 and13 how13 to13 reach13 any13 destination13 you13 are13 unsure13 of13 finding13 13 Many13 colleges13 will13 send13 you13 a13 map13 with13 a13 confirmation13 letter13 prior13 to13 your13 visit13 Arrange13 to13 meet13 with13 students13 and13 talk13 with13 them13 13 They13 can13 give13 you13 the13 best13 perspective13 of13 a13 college13 Eat13 in13 the13 cafeteria13 13 It13 gives13 you13 not13 just13 a13 taste13 of13 the13 food13 but13 the13 culture13 of13 the13 school13 13 Helpful13 hints13 Be13 prompt13 Dress13 appropriately13 13 You13 do13 not13 need13 to13 be13 in13 your13 Sunday13 best13 but13 do13 not13 wear13 short13 shorts13 torn13 jeans13 skimpy13 tops13 or13 t-shy‐shirts13 with13 suggestive13 logos13 or13 t-shy‐shirts13 from13 another13 college13 Have13 your13 list13 of13 questions13 ready13 and13 write13 things13 down13 13 You13 will13 not13 remember13 everything13 Be13 prepared13 to13 talk13 about13 yourself13 and13 what13 is13 attracting13 you13 to13 the13 college13 Pay13 attention13 and13 see13 if13 you13 can13 envision13 yourself13 in13 this13 environment13 Be13 sure13 to13 get13 a13 verification13 (on13 college13 letterhead)13 of13 the13 visit13 from13 tour13 staff13 so13 that13 you13 can13 turn13 it13 in13 for13 an13 excused13 absence13 upon13 your13 return13 to13 school13 In13 addition13 to13 asking13 questions13 pick13 up13 a13 copy13 of13 the13 school13 newspaper13 Speak13 to13 a13 professor13 in13 your13 college13 of13 interest13 Meet13 a13 coach13 if13 you13 are13 interested13 in13 a13 sport13 Meet13 the13 head13 of13 an13 activityinterest13 that13 you13 want13 to13 pursue13 in13 college13 13

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

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28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
Text Box
36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 30: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Campus Visit Checkli

Name of School _____________________________________________ Date of Visit ________________________________________________ Tour Guide Name ___________________________________________ Below are some tips that both parents and students can use during alearn more about any college campus

VISIT the career center ASK the tough questions until you get answers PLAN at least one half day at each school and stay overnight if VISIT when the school is in session BRING a journal to jot down your impressions ARRANGE an interview with an admissions officer TAKE a campus tour TALK with students and faculty preferably from a major that i PICK UP a student newspaper or activities calendar ATTEND an extracurricular activity (sports theatre etc) CHECK out the dorms libraries student union bookstore et EAT a meal on campus GET names and business cards of people you meet for future c SAVE a map of the campus for future reference GO to a class or two TOUR the community surrounding the campus TALK to a student or counselor in the career center FIND out about campus activities IMAGINE attending this college for 24 years

NOTES

wwwmakingitcountcom

st

______

______

______

campus visit to

possible

nterests you

c

ontacts

dcarrico
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dcarrico
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28

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 31: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 2913

Processing13 College13 Applications-shy‐Where13 Do13 I13 Begin13 13

1 Go13 to13 the13 college13 website13 to13 apply13 online13 13 Your13 application13 will13 be13 designated13 for13 Fall13 201613 You13 may13 be13 referred13 to13 as13 a13 first13 time13 freshman13 undergraduate13 bachelorrsquos13 degree13 (413 yr13 degree)13 or13 associate13 degree13 (213 yr13 school)13 Record13 the13 username13 and13 password13 for13 your13 online13 account13 13 If13 you13 will13 be13 using13 a13 common13 application13 please13 let13 Ms13 Sisk13 know13 via13 e-shy‐mail13 siskdbscsk12org13 or13 Mrs13 Baker13 (IB13 students)13 at13 bakerbgscsk12org13 13 13

2 Many13 college13 applications13 are13 simple13 and13 take13 less13 than13 3013 minutes13 to13 complete13 Some13 applications13 will13 ask13 for13 a13 ldquopersonal13 statementrdquo13 or13 a13 short13 essay13 13 Some13 colleges13 will13 have13 a13 counselor13 page13 to13 be13 filled13 out13 by13 Ms13 Sisk13 or13 Mrs13 Baker13 (IB)13 Still13 others13 will13 ask13 for13 teacher13 recommendations13 13 Follow13 the13 directions13 for13 each13 college13 If13 the13 application13 says13 ldquooptionalrdquo13 for13 the13 personal13 statement13 LOR13 interview13 etc13 it13 is13 advised13 to13 DO13 IT13 13 13

13 3 Do13 exactly13 what13 the13 application13 asks13 13 Donrsquot13 include13 teacher13 recommendations13 if13 they13 are13 not13 required13 13 Donrsquot13 include13

an13 essay13 if13 it13 is13 not13 part13 of13 an13 application13 13 Colleges13 like13 students13 who13 follow13 directions13 and13 do13 not13 try13 to13 include13 documents13 not13 requested13

13 4 Each13 college13 application13 is13 unique13 to13 that13 school13 13 Keep13 copies13 of13 everything13 sent13 to13 each13 college13 Make13 note13 of13 other13

important13 dates13 (scholarship13 application13 deadlines13 housing13 deadlines13 etc)13 13 13

5 Allow13 four13 weeks13 for13 the13 university13 to13 record13 your13 application13 13 You13 may13 go13 back13 on-shy‐line13 and13 check13 the13 status13 of13 your13 application13 and13 whether13 your13 transcript13 has13 been13 received13

13 6 Most13 colleges13 require13 an13 application13 fee13 13 Students13 may13 pay13 with13 a13 credit13 card13 on-shy‐line13 or13 you13 may13 send13 a13 check13 with13

the13 transcript13 request13 13 Some13 colleges13 waive13 the13 application13 fee13 if13 you13 apply13 on-shy‐line13 or13 if13 you13 apply13 by13 a13 certain13 date13 13 You13 will13 find13 this13 information13 on13 the13 college13 website13 or13 you13 may13 contact13 the13 collegersquos13 admissions13 office13 Some13 colleges13 will13 accept13 a13 fee13 waiver13 letter13 from13 your13 counselor13 if13 you13 are13 on13 free13 or13 reduced13 lunch13 13 Every13 college13 handles13 the13 fee13 waivers13 differently13 See13 Ms13 Sisk13 about13 college13 fee13 waivers13 13

13 7 13 AFTER13 submitting13 your13 application13 you13 must13 come13 to13 guidance13 and13 request13 a13 transcript13 to13 be13 sent13 13 See13 additional13

information13 about13 this13 procedure13 13 13 Each13 transcript13 request13 includes13 13 Bolton13 HS13 school13 profile-shy‐13 Describes13 school13 lists13 honorsAP13 classes13 and13 grading13 system13 13 List13 of13 classes13 in13 grades13 9-shy‐1113 (incl13 any13 8th13 gr13 credits)13 GPA13 and13 rank13 13 Test13 card13 (all13 standardized13 tests13 such13 as13 ACT13 SAT13 PSAT13 PLAN13 TCAP13 Writing13 Gateways)13 13 List13 of13 13 senior13 classes13 (for13 both13 semester)13 no13 current13 grades13 are13 printed13 with13 list13 of13 classes13 13 Some13 colleges13 require13 the13 student13 to13 have13 the13 testing13 agency13 (ACT13 or13 SAT)13 send13 the13 scores13 directly13 to13 the13 college13 You13 must13 go13 online13 at13 ACT=wwwactstudentorg13 or13 SAT=wwwcollegeboardcom13 to13 request13 your13 scores13 IF13 you13 have13 already13 taken13 test13 13 For13 upcoming13 ACTSAT13 indicate13 your13 college13 codes13 when13 registering13 for13 test13 so13 you13 donrsquot13 pay13 later13 to13 do13 this13 13 13 All13 ldquoofficialrdquo13 transcripts13 are13 sent13 directly13 from13 BHS13 to13 the13 college13 13 Official13 transcripts13 include13 the13 school13 seal13 13 Parentsstudents13 may13 order13 an13 unofficial13 transcript13 for13 themselves13 and13 make13 as13 many13 copies13 as13 they13 like-shy‐some13 scholarship13 applications13 and13 athletic13 recruiters13 will13 accept13 an13 unofficial13 transcript13 13 College13 applications13 require13 an13 official13 transcript13 sent13 from13 BHS13 13

8 Students13 using13 the13 common13 application13 must13 request13 an13 electronic13 copy13 of13 your13 official13 transcript13 to13 be13 sent13 with13 the13 online13 School13 Report13 13 A13 PDF13 of13 your13 transcript13 must13 be13 sent13 to13 the13 counselor13 who13 is13 filling13 out13 the13 School13 Report13 form13 so13 it13 may13 be13 uploaded13 with13 your13 form13 NO13 PAPER13 TRANSCRIPT13 should13 be13 sent13 to13 a13 Common13 Application13 college13

13 9 Applications13 are13 complete13 when13 the13 student13 has13

a Applied13 on-shy‐line13 (or13 with13 a13 paper13 application-shy‐not13 recommended)13 b Paid13 the13 application13 fee13 or13 submitted13 a13 fee13 waiver13 (if13 freered13 Lunch)13 c Submitted13 any13 other13 required13 documents13 such13 as13 recommendations13 d Ordered13 the13 transcript13 from13 Guidance13

13 10 Colleges13 have13 different13 timelines13 of13 notifying13 students13 13 Rolling13 admissions13 will13 usually13 notify13 students13 with13 3-shy‐413 weeks13

of13 receiving13 the13 official13 transcript13 13 Most13 public13 universities13 have13 rolling13 admissions13 13 Other13 colleges13 post13 a13 notification13 date13 that13 they13 will13 notify13 applicants13 of13 their13 admission13 status13 13

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
Text Box
33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 32: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 3013

Processing-Admissions Decisions Definitions of Admission Options in Higher Education Non-Restrictive Application Plans Regular Decision Definition Students submit an application by a specified date and receive a decision in a clearly stated period of time Commitment non-binding Rolling Admission Definition Institutions review applications as they are submitted and render admission decisions throughout the admission cycle Commitment non-binding Early Action (EA) Definition Students apply early and receive a decision well in advance of the institutionʼs regular response date Commitment non-binding

Restrictive Application Plans Early Decision (ED) Definition Students make a commitment to a first-choice institution where if admitted they definitely will enroll The application deadline and decision deadline occur early Commitment binding Restrictive Early Action (REA) Definition Students apply to an institution of preference and receive a decision early They may be restricted from apply- ing ED or EA or REA to other institutions If offered enrollment they have until May 1 to confirm Commitment non-binding 13

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
Text Box
36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 33: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 3113

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
Text Box
33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
Text Box
34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
Text Box
35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
Text Box
36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 34: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 3213

College13 Name13 13

13 13 13

College13 Rep13 Contact13 bull Name13 e-shy‐mail13 cell13

13

13 13 13

Your13 Information13 bull Username13 amp13 Password13

13

13 13 13

Location13 amp13 Size13 bull Distance13 from13 home13 13 bull Size13 of13 campus13 amp13 13 students13

13 13 13

Environment13 bull Type13 of13 school13 (2yr-shy‐4yr)13 bull School13 setting13 (urbanrural)13 bull Location13 amp13 size13 of13 nearest13 city13 bull How13 many13 live13 on13 campus13 bull Diversity13 male13 female13 bull Religious13 affiliation13

13 13 13

Admission13 Requirements13 bull Application13 deadline13 bull Tests13 Required13 bull Average13 test13 score13 GPA13 rank13

13 13 13

Financial13 Aid13 bull Deadline13 13 bull Required13 forms13 bull Percentage13 receiving13 aid13 bull Scholarships13 13

13 13 13

Academics13 bull Your13 major13 offered13 bull Requirements13 for13 majors13 bull Accreditation13 bull Student-shy‐faculty13 ratio13 bull Typical13 class13 size13

13 13 13

College13 Expenses13 bull Tuition13 room13 and13 board13 bull Estimated13 total13 cost13 bull Application13 fee13 deposits13

13 13 13

Housing13 bull Freshman13 residence13 halls13 bull Costs13 of13 different13 housing13 bull Food13 plans13

13 13 13

Facilities13 bull Academic13 (library13 labs)13 bull Recreational13 (gym13 pool)13 bull Other13

13 13 13

Activities13 bull Clubs13 organizations13 bull Greek13 life13 bull Athletics13 intramurals13 bull Other13

13 13 13

Campus13 Visits13 bull Group13 visits13 (timedays)13 bull Contact13 for13 private13 visit13 bull Special13 events13

13 13 13

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

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Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

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13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

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13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
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13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 35: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Quick Guide to Financial AidA few weeks after filing the Free Application for Federal Student Aid (FAFSA) you will receive a copy of your Student Aid Report (SAR) with your Expected Family Contribution (EFC) The prospective college(s) will receive your FAFSA information as well Each school you applied to will send you a Financial Aid Award Letter breaking down the college costs and summarizing your eligibility for each type of financial aid The aid offered in the letter will be based on your demonstrated financial need which is equal to the Cost of Attendance (COA) minus your EFC To understand the financial aid process better here are the key terms you need to know Free Application for Federal Student Aid (FAFSA) The FAFSA is a form used to apply for student financial aid from the federal and state government as well as most colleges and universities The government uses the information from your FAFSA to determine your expected family contribution (EFC) You can file the FAFSA at wwwfafsaedgov Personal Identification Number (PIN) A PIN is a 4-digit number used to electronically sign the online version of the FAFSA The student and parent must each obtain their own PIN at wwwpinedgov The PIN also gives you access to personal records on the US Department of Education web site Do not share your PIN with anybody Student Aid Report (SAR) The SAR is the official notification sent to you about a week after filing the FAFSA online This document includes your Expected Family Contribution (EFC) The SAR also provides information about the colleges you are considering such as the graduation rates Expected Family Contribution (EFC) The EFC is a measure of your familyrsquos financial strength It is based on the information you submitted on the FAFSA including income assets family size and the number of children in college Your EFC represents the amount of money the federal government believes your family can contribute toward one academic year of college It is a harsh assessment of ability to pay since it does not consider many types of consumer debt such as credit card debt student loan debt and auto loans The actual amount your family ends up paying could be higher or lower than the EFC figure depending on the sources of aid available to you There are two main formulas for calculating an EFC the federal methodology (FM) and the institutional methodology (IM) The two formulas differ in the types of assets that are included (eg family home assets of siblings) the assumption of a minimum student contribution the treatment of paper losses regional differences in cost of living allowances for educational savings and emergency funds the treatment of children of divorced parents and adjustments for more than one child in college at the same time The FM EFC is used for determining eligibility for federal and state aid and financial aid at most colleges About 250 colleges use the IM EFC for awarding their own financial aid funds Financial Aid Package The financial aid package is a combination of multiple types and sources of financial aid available to you to help pay for college costs It may include money from the federal government state government the college itself and private sources It can include scholarships grants work-study and loans The financial aid offered by each college may vary and is summarized in financial aid award letters sent by the prospective colleges Financial Aid Award Letter The financial aid award letter is the list of all the aid from multiple sources that you are eligible to receive through your prospective college including terms and conditions You are not required to accept every type of aid found in the letter For example you could turn down loans Turning down loans however will not increase the amount of grants andor scholarships you may receive Cost of Attendance (COA) The cost of attendance includes the total price of tuition fees room board textbooks supplies transportation and personal expenses for one year of college This is also known at some colleges as the ldquoStudent Budgetrdquo There may be separate student budgets for students who live on campus off campus or with their parents Some colleges will adjust the cost of attendance to include the cost of a computer student health insurance and dependent care Net Price The net price or out-of-pocket cost is the bottom line cost of college It is the difference between the cost of attendance and grants It is the amount of money you must pay from savings income and loans to cover college costs

dcarrico
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33

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
Text Box
36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

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Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 36: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13 13

Types of AidThere are many different types of financial aid available from federal and state government college and private sources The major types of financial aid include Grants are awards typically based on financial need that do not need to be repaid An example is the Federal Pell Grant Eligibility often depends on your EFC andor financial need For example the Federal Pell Grant is based on your EFC Scholarships are awards usually based on achievement or talent that also do not need to be paid back You can search for scholarships for free at wwwfastwebcom Fastweb adds and updates scholarships every single day and will send you email notification when therersquos a new scholarship that matches your personal background profile Also your prospective college(s) may offer scholarships based on academic merit andor financial need Call the financial aid office to find out which scholarships are available to you and how you can apply Federal Work-Study (FWS) provides part-time jobs for students with financial need The jobs are usually available on or near campus A list of available jobs can be found at the collegersquos financial aid office or student employment office Students who donrsquot qualify for a work-study job may able to find student employment to help pay for college bills or get a little spending money Loans are funds that must be paid back usually with interest There are federal student loans federal parent loans and private or alternative loans The good news is that interest rates for education loans are currently at historic lows However you must demonstrate financial need for some loans like the Federal Perkins Loan or the Federal subsidized Stafford Loan Other loans such as the Federal unsubsidized Stafford loan and the Federal Parent PLUS loan do not depend on financial need Private student loans may depend on your credit history To find out more about loans visit wwwfinaidorgloans Education Tax Benefits are available to you and your parents when you file your federal income tax returns based on amounts you paid for college The most popular education tax benefits are the Hope Scholarship tax credit Lifetime Learning tax credit and the student loan interest deduction American Opportunity Tax Credit provides a federal income tax credit of up to $2500 (40 refundable) per student based on the first $4000 in postsecondary tuition fees and course materials paid by the taxpayer during the tax year The full $2500 credit is available to individuals with modified adjusted gross income of $80000 or less and to married couples filing a joint return with modified AGI of $160000 or less For more information about the Hope Scholarship tax credit and other education tax benefits visit wwwfinaidorgotheraid Public Service Loan Forgiveness (PSLF) Students who work full-time in a public service job for 10 years may qualify to have their remaining debt forgiven Public service loan forgiveness works in conjunction with income-based repayment Public service jobs include public school teachers police fire EMT members of the military public defenders prosecutors and others who work for the city state and federal government as well as people working for 501(c)(3) tax-exempt charitable organizations Public service loan forgiveness is available only for federal student loans Private student loans and Federal Parent PLUS loans are not eligible To find out more about public service loan forgiveness visit wwwfinaidorgpublicservice

dcarrico
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34

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
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36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 37: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Key Loan TermsFederal education loans including both student loans and parent loans are available direct from the federal government and are administered by your college Private student loans sometimes called alternative loans are available from a private lender (like a bank) and have interest rates and repayment terms set by the lender and not the government Here are loan terms you need to know

Annual Percentage Rate (APR) The APR is the overall cost of borrowing money expressed as an annual percentage of the loan balance The APR calculates the combined impact of the interest rate loan fees capitalization of interest (the addition of unpaid interest to the principal) and other repayment terms Cancellation Some loan programs provide for cancellation (forgiveness) of the loan under certain circumstances such as death or total and permanent disability of the borrower Capitalization Capitalization is the practice of adding unpaid interest charges to the principal balance of an education loan thereby increasing the size and cost of the loan Interest is then charged on the new balance including both the unpaid principal and the accrued interest Interest can be capitalized monthly quarterly annually or when the loan enters repayment Capitalization causes interest to be charged on top of interest Consolidation A consolidation loan combines one or more eligible federal educational loans into a single new loan Default Default is the failure to repay your loan according to the terms It may lead to legal action to recover the money and can negatively affect your credit rating Private student loans are considered to be in default after 120 days of nonpayment while federal education loans are considered to be in default after 360 days of nonpayment Deferment A deferment is a postponement of payment on a federal loan that is allowed under certain conditions and during which the government pays the interest on any subsidized loans The borrower is responsible for the interest on any unsubsidized loans during a deferment The economic hardship deferment has a three-year limit Deferments during the in-school period are unlimited Forbearance A forbearance is a period during which your monthly loan payments are temporarily suspended or reduced Interest continues to accrue and will be capitalized if unpaid by the borrower You may qualify for a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships Federal loans have a five-year limit on forbearances Private student loans typically have a one-year limit

Interest Interest is a periodic fee for borrowing money expressed as a percentage of the loan balance Interest rates are either variable (the rate can change) or fixed (the rate will not change) The interest rate on a variable rate loan can reset (change) annually quarterly or monthly Loan Fees Loan fees are one-time charges to originate or guarantee a loan expressed as a percentage of the loan balance Principal The principal is the full amount borrowed During repayment it refers to the portion of the original loan amount still owed (not including interest or fees) Promissory Note A promissory note is a binding legal document you sign when you get a student loan It contains the loan terms and conditions under which yoursquore borrowing and the terms under which you agree to pay back the loan It may also mention deferment and cancellation provisions available to the borrower Subsidized The government pays the interest on subsidized loans while the student is in school during the six-month grace period and during any deferment periods Subsidized loans are awarded based on demonstrated financial need Note The government will not pay interest on subsidized loans awarded in 2012-13 and 2013-14 during the six-month grace period The government will continue to pay interest on these loans during the in-school and other deferment periods Unsubsidized An unsubsidized loan is a loan for which the government does not pay the interest The borrower is responsible for the interest on an unsubsidized loan from the date the loan is disbursed even while the student is still in school Students may avoid paying the interest while they are in school by capitalizing the interest which adds the interest to the loan balance Examples of unsubsidized loans include the unsubsidized Stafford loan and the Parent PLUS loans These loans are not based on financial need or income and may be used to pay for the family share of college costs

dcarrico
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35

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
Text Box
36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 38: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Student Bulletin

Fastweb Student Bulletin Series Quick Guide to Financial Aid wwwfastwebcom

13

Understanding Your Financial Aid Award Letter Use this example as a guide to reading your financial aid award letter Remember you can choose to accept or decline any part of your financial aid package If you decide to decline any type of aid contact the Financial Aid Office If you have any questions make sure to contact your prospective collegersquos aid office immediately

Sample Award Letter Explained Dear Student The results of your Free Application for Federal Student Aid (FAFSA) indicate that you are eligible for financial assistance for the upcoming academic year We are pleased to offer you the following financial aid award Please review each type of award before accepting

Award Fall Spring Accept Decline Total Federal Pell Grant $ 625 $ 625 euro euro $1250 Total Direct Loans $6876 Direct Federal Stafford Loan (Subsidized) $1500 $1500 euro euro Direct Federal Stafford Loan (Unsubsidized) $1938 $1938 euro euro Total Financial Aid Package $8126

What does this mean to you

Cost of Attendance (COA) $17239 Less Gift Aid (Pell Grant) - $1250 Out-of-Pocket Cost (Net Price) $15989

The out-of-pocket cost (net price) is the difference between the cost of attendance and the gift aid such as grants and scholarships It is the amount of money you will have to pay from savings (past income) income and loans (future income) Scholarships and grants will always be the best way to meet the costs of a college education Search for scholarships at free websites like wwwfastwebcom

Federal Stafford Loan ndash Subsidized (Interest-free until graduation when repayment

of interest amp principal begins)

Federal Stafford Loan ndash Unsubsidized (Interest accrues immediately after loan is disbursed)

Federal Pell Grant (free money) Option to accept or decline each award

Expenses (COA) Tuition $7334 RoomBoard $5204 Health Fees $ 176 BooksSupplies $1015 Personal $2600 Transportation $ 900 Total Expenses $17239

Cost of Attendance (COA) The total expenses (tuition fees etc) of one yearrsquos education Your college may also include indirect costs (books room and board transportation personal expenses etc) Our example includes both direct and indirect expenses

Resources (EFC) Parentrsquos Contribution From Earnings $2500 From Assets $ 112 Studentrsquos Contribution $ 500 Total Resources $3112

Expected Family Contribution Amount your family is expected to contribute determined by the Free Application for Federal Student Aid (FAFSA) The amount you end up actually paying for the academic year could differ from the EFC depending on what resources are available at the college you decide to attend

dcarrico
Text Box
36

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
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38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
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Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
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44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
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45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
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46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 39: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 3713

Paying13 13 Scholarship13 Search13 Information13 13 13 Make13 sure13 you13 create13 an13 e-shy‐mail13 for13 college13 and13 scholarship13 info13 ONLY13 13 J 13

13 13

13 13 13 13 13 13 13 13 13 13 Free13 Scholarship13 Searches13 13

bull wwwfastwebcom13 -shy‐13 Create13 personal13 profile13 and13 get13 matched13 with13 scholarships13 bull wwwcappexcom-shy‐13 13 Free13 personalized13 scholarship13 search13 bull wwwscholarshipscom-shy‐13 Scholarship13 listings13 and13 customized13 searches13 bull httpappscollegeboardorgcbsearch_sswelcomejsp13 -shy‐Big13 Futurersquos13 $$13 search13 bull httpwwwhighscholarshipscomindexhtml13 -shy‐13 Lists13 scholarships13 for13 grades13 9-shy‐1213 bull www4blackyouthcom-shy‐13 Lists13 sites13 for13 minority13 scholarships13 bull 13 wwwplanningyourdreamsorg13 -shy‐Tennessee13 students13 College13 and13 Career13 Planning13 System13 bull httpappscollegeboardcomcbsearch_sswelcomejsp13 13 This13 online13 tool13 to13 help13 you13

locate13 scholarships13 internships13 grants13 and13 loans13 that13 match13 your13 education13 level13 talents13 and13 background13 13

13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Bolton13 Scholarships13 13

bull Awesome13 People13 Scholarship-shy‐Application13 available13 in13 spring13 13 Student13 must13 have13 overcome13 addiction13 or13 has13 a13 family13 member13 with13 addiction13 issue13 13 13 13

bull BHS13 Theatre13 Scholarships13 -shy‐Audition13 required13 for13 scholarship13 13 13 13 13 bull Bolton13 Beta13 Club13 Scholarship13 bull Bolton13 Trust13 Fund13 Scholarship-shy‐13 Seven13 awards13 of13 $300013 per13 yr4yrs13 13 It13 is13 awarded13 to13

the13 highest13 ranking13 students13 who13 may13 only13 have13 the13 HOPE13 scholarship13 Pell13 Grant13 and13 $200013 of13 other13 non-shy‐renewable13 scholarships13 13 Students13 who13 exceed13 this13 amount13 are13 not13 eligible13 for13 the13 Bolton13 Trust13 Fund13 Award13 13

bull Hayes13 Kent13 Memorial13 Scholarship-shy‐13 Senior13 baseball13 player(s)13 13 bull National13 Honor13 Society13 Scholarship-shy‐Application13 available13 in13 spring13 bull Pam13 Parker13 Scholarship-shy‐Senior13 softball13 player13 bull PTSA13 Scholarship-shy‐Must13 be13 member13 of13 PTSA13 and13 apply13 in13 spring13

13 13 13 13 13 13 13 13 Scholarships13 are13 offered13 only13 if13 funds13 are13 available13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
Text Box
43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 40: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Student Bulletin

Fastweb Student Bulletin Series Scholarship Guide wwwfastwebc13 13 13

Scholarship Guide Master the Basics Where to start bull Go online and take advantage of free scholarship matching

services such as wwwfastwebcom for local regional state national awards and college-specific scholarships

bull Ask your school guidance counselor about local private and corporate sponsorships

bull Search your community There are many philanthropic and non-profit organizations that may offer awards Visit your school or local public library to research scholarships Ask your parentsrsquo employers and unions if they sponsor scholarships for children of employees

How to prepare bull Get organized and keep the scholarships you are working

on separate from those you have not started Use a calendar to keep track of dates and deadlines or the status tool available on Fastweb

bull Know your time frame to apply Complete and submit the easiest scholarships first Then focus on the scholarships with earlier deadlines and ones that may require more time Allow plenty of time when requesting letters of recommendation

Submit your application bull Remember to check your spelling and grammar bull Proofread your materials and have a teacher parent or

friend review your application and essay if submitting online or by mail They can provide feedback and catch mistakes

bull Keep a copy of your application if you submitted paper or electronic copy

The Scholarship EssayApplication Before you begin bull Develop a theme that fits the scholarship Learn about the

scholarship providerrsquos mission and goals Tailor your essayapplication to complement the sponsorrsquos expectations For example if the provider is interested in community service highlight ways you impact your campus community and your community at large within your essay Here are a few topic ideas

Personal achievements bull Talk about specific interactions you had with others

Sponsors want to know the impact you had on others and what this says about ldquoyourdquo Do you still keep in touch with anyone yoursquove helped How did you influence their lives

bull How did your achievements reflect your values Why are your achievements important to you Did you do something that received high praise or recognition

bull Personalize your experience For example what makes the volunteer and community service yoursquove performed unique What made you stand out

Academic plans and possible major bull Instead of saying ldquoScience is my favorite subjectrdquo discuss a

specific assignment or project that you worked on that sparked your interest Give examples

bull Avoid saying that you selected a major or career path to ldquohelp peoplerdquo What specific actions can you take to improve the lives of others Discuss how your values are relevant to what you will be studying in college

Social issues and current events bull Think about current issues or events in the news that you

feel strongly about bull Do you know a lot about a controversial topic bull Do you know of someone who is directly involved in an issue

who might be able to provide insight

Mentors admirers and influences bull Think about your friends and family community and the

things yoursquove learned outside of the classroom Pick specific people incidents and learning experiences to write about that will let your personality come through

bull Is there a person you aspire to be like within your chosen academic major or career path Someone who encouraged you to succeed

bull Focus on specific qualities or actions that the person has inspired in you

What Do Judges or Evaluators Look For

Do you qualify Every year students waste time by applying for awards they arenrsquot eligible to win If you donrsquot meet the eligibility criteria donrsquot enter Is your application presented well Type your essay and check for grammar and spelling errors Place the application essay and other contents in a large folder for mailing Do not fold any of the materials Did you include all required documents Make sure you include all required academic transcripts references and letters of recommendation When selecting individuals to provide you a letter of recommendation be sure you know them very well and give them ample time to provide you a letter and provide them a self addressed stamped envelope if it will be mailed Did you answer all of the questions Double-check that you havenrsquot forgotten any required information

dcarrico
Text Box
38

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
Text Box
43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 41: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 3913

Paying13 13 FYI13 on13 INSTITUTIONAL13 SCHOLARSHIPS13 13 13 13 13 13 Public13 College13 Cost-shy‐Approx13 $17000-shy‐$2000013 (incl13 tuition13 fees13 books13 roomboard)13 per13 year13 Cost13 is13 $8000-shy‐$1000013 for13 tuition13 fees13 and13 books13 only13 Tuition13 rises13 5-shy‐713 per13 yr13 HOPE13 Lottery13 (21ACT13 OR13 3013 GPA)13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 413 yrapprox$400013 per13 yr+200013 summer13 2yr$300013 (HOPE13 GAM=13 29ACT+375)13 13 13 13 13 13 13 $100013 per13 year13 Pell13 Grant13 (based13 on13 family13 income)13 13 $550013 per13 year-shy‐amt13 varies13 TN13 Supplemental13 (based13 on13 family13 income)13 $200013 per13 year-shy‐amt13 varies13 13 All13 institutional13 academic13 scholarships13 are13 renewable13 for13 four13 years13 if13 yearly13 GPA13 requirements13 are13 met13 13 13 Amounts13 listed13 are13 per13 year13 13 Application13 deadlines13 are13 during13 first13 semester13 13 December13 1st13 is13 most13 common13 deadline13 but13 check13 college13 websites13 13 Austin13 Peay13 13 (APSU)13 Presidential13 13 13 30+13 and13 ACT13 29+13 13 $4000-shy‐$600013 13 Deanrsquos13 13 13 13 35+13 and13 ACT13 25+13 13 $1000-shy‐$300013 13 East13 TN13 (ETSU)13 Presidential13 13 13 3913 and13 ACT13 3013 13 $500013 Provost13 13 13 3513 and13 ACT13 2713 13 $400013 Deanrsquos13 13 13 13 3513 and13 ACT13 2613 13 $300013 Academic13 Serv13 13 3513 and13 ACT13 2513 13 $200013 13 Middle13 TN13 13 (MTSU)13 Chancellor13 13 13 3513 and13 ACT13 13 13 3213 13 $500013 Presidential13 13 13 3513 and13 ACT13 2913 13 $400013 Academic13 Serv13 13 3513 and13 ACT13 2713 13 $300013 Provost13 13 13 3513 and13 ACT13 2613 13 $200013 13 Univ13 of13 13 Memphis13 Presidential13 13 13 3513 and13 ACT13 3013 13 13 $750013 Provost13 13 13 32513 and13 ACT13 2813 $550013 Deanrsquos13 13 13 13 3013 and13 ACT13 2513 13 13 $300013 13 UT13 Chattanooga13 Chancellorrsquos13 13 13 37513 and13 ACT13 3013 13 13 13 13 13 13 13 13 $400013 13 Provost13 13 13 3513 and13 ACT13 2613 13 13 13 13 13 $300013 Mocs13 13 13 13 3413 and13 ACT13 2413 13 13 13 13 $200013 13 UT13 Knoxville13 Volunteer13 13 13 365-shy‐4013 and13 ACT13 32-shy‐3613 $6000-shy‐$800013 University13 13 13 35-shy‐4013 and13 ACT13 27-shy‐3113 $150013 13 UT13 Martin13 University13 (1513 avail)13 13 3513 and13 ACT13 2813 13 $500013 Chancellorrsquos13 (limited)13 3513 and13 ACT13 2813 13 $300013 Deanrsquos13 13 (limited)13 13 3513 and13 ACT13 2513 13 $150013 13

dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
Text Box
43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 42: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for
dcarrico
Text Box
40

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
Text Box
43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 43: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 4113

13

Two13 years13 of13 tuition-shy‐free13 community13 or13 technical13 college13 to13 Tennessee13 high13 school13

graduates13

bull Tennessee13 Promise13 is13 a13 last-shy‐dollar13 scholarship13 meaning13 it13 will13 cover13 college13 costs13 not13 met13 from13 Pell13 HOPE13 or13 TSAASenior13 must13 complete13 FAFSA13 (Federal13 Financial13 Aid13 form)13 by13 Jan13 31st13 13 201613 deadline13

bull Student13 must13 complete13 813 hours13 of13 community13 service13 each13 semester13 (13 beginning13 Jan13 2016-shy‐13 13 due13 Aug13 1st)13 and13 maintain13 a13 20GPA13 each13 semester13 in13 college13

bull As13 part13 of13 the13 program13 students13 will13 be13 paired13 with13 a13 partnering13 organization13 serving13 their13 home13 county13 and13 will13 be13 provided13 with13 a13 mentor13 who13 will13 support13 them13 during13 the13 college13 application13 process13

bull Mandatory13 TN13 AchievesTN13 Promise13 Mentoring13 meetings13 o Thurs13 Nov13 24th13 94513 in13 theatre13 o Thurs13 Jan13 7th13 53013 in13 cafeacute13 and13 theatre13 o Wed13 Mar13 30th13 53013 in13 cafeacutersquo13 and13 gym13 13 It13 is13 recommended13 that13 a13 parent13 attends13 with13 senior13

13 High school seniors must apply for the Tennessee

Promise scholarship by November 2 2015 at wwwtnpromisegov13

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
Text Box
43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 44: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 4213

13

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
Text Box
43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 45: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

13 4213

Tennessee HOPE Lottery Scholarship Program Additional scholarships online at wwwcollegepaystnorg REQUIREMENTS Enroll in one of the Tennessee public colleges universities or private colleges listed on wwwcollegepaystnorg website Entering freshmen must achieve a minimum of a 21 ACT (980 SAT) exclusive of the essay and optional subject area battery tests OR Overall weighted minimum 30 grade point average (GPA)

AWARD AMOUNTS FOR THE TENNESSEE HOPE SCHOLARSHIP13

For entering freshmen beginning with fall 2015 and thereafter

Four-Year Institutions and two-year institutions with on-campus housing Up to $1750 per full-time enrollment semester as a freshmen and sophomore then up to $2250 per full-time enrollment semester as a junior and senior

Two-Year Institutions Up to $1500 per full-time enrollment semester as a freshman and sophomore

Additional Funds- General Assembly Merit-375 weighted GPA + 29 ACT -$1000 per yr +$500 summer school

bull Award amounts are available for summer enrollment bull Class status is determined by the postsecondary institution TENNESSEE HOPE RENEWAL CRITERIA

For students who first received the HOPE Scholarship in fall 2009 and thereafter

bull The student must have a minimum 275 cumulative GPA at the end of the semester in which the student attempted 24 and 48 semester hours

bull The student must have a minimum 30 cumulative GPA at the end of the semester in which the student attempted 72 and 96 semester hours

13

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
Text Box
43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 46: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Student Bulletin

Fastweb Student Bulletin Series FAFSA Step-by-Step wwwfastwebcom

13 13

FAFSA Step-by-StepWhat is it FAFSA stands for Free Application for Federal Student Aid The federal government uses this form to determine your eligibility for federal financial aid for college which may include grants scholarships work-study and loans Why fill it out The FAFSA is used to apply for financial aid from the federal and state government(s) and from most public and private colleges Private colleges may have their own supplemental forms in addition to the FAFSA for awarding their own aid funds For example about 250 private colleges require an additional form called the CSSFinancial Aid PROFILE The FAFSA is a prerequisite for the unsubsidized Stafford and Parent PLUS loans which do not depend on financial need EFC stands for Expected Family Contribution According to the governmentrsquos calculation you and your family should be able to contribute this amount in the coming academic year to your college costs The EFC is a harsh assessment of you and your familyrsquos ability to pay for college It does not consider the impact of consumer debt on a familyrsquos financial strength How does it work The college you plan to attend will try to meet your demonstrated financial need with a package of different types of aid from multiple sources including federal state school and private sources You can do the following on wwwfafsaedgov

sect Electronically sign your FAFSA sect Check the status sect Make corrections sect Add additional colleges and universities sect Fill out an online renewal FAFSA next year

To obtain a PIN eligible students AND parents should visit wwwpinedgov (students and parents should get their own PINs) Click on ldquoApply for PINrdquo near the top of the page and be prepared to enter your name social security number date of birth and a challenge question Allow 3-4 hours for the PIN to be emailed

Keep your PIN confidential It allows you to electronically sign federal student aid and loan documents and access your confidential FAFSA information

Step 1 Assemble forms needed to complete FAFSA You and your parents (if you are dependent) need the following to fill out the form Social Security Number Current bank and brokerage account statements Drivers license (if any) Current mortgage and investment records (if any) Alien registration card (if not a US citizen) Current federal tax return (estimates are OK on tax

questions if you or your parents havenrsquot filed yet) Current untaxed income records (if any) Current W2 and 1099 forms and other record of

money earned Parents current income tax return (if dependent) PIN

Step 2 Complete the FAFSA Download print and complete the FAFSA on the Web

worksheet Complete FAFSA on the Web at wwwfafsaedgov

The online version is used by over 99 of the applicants since it includes skip logic to avoid asking you unnecessary and redundant questions Processing is quicker and more efficient with built-in edit-checks to reduce errors on the form

In order to maximize the amount of aid fill out the FAFSA as soon as possible after January 1

Once finished print the FAFSA summary as well as the Submission Confirmation page (or write down your confirmation number and date) If you complete the paper version make a copy for your records

Step 3 Review your Student Aid Report (SAR) The SAR is proof that your FAFSA was received You should receive your electronic SAR in 1-3 days if you filed electronically (paper filing 2-3 weeks) What if I find errors on my Student Aid Report (SAR) Report errors immediately to your financial aid office

You can also make corrections online using your PIN at wwwfafsaedgov

If you dont receive your SAR in 3-4 weeks call 1-800-433-3243 (1-800-4-FED-AID) or visit wwwstudentaidedgov

Quick Tip Fill out the FAFSA as soon as possible after January 1 and each subsequent year once yoursquore in college Early submission maximizes your chances of receiving aid

dcarrico
Text Box
43

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 47: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Student Aid Report (SAR) and Expected Family Contribution (EFC) What is the Student Aid Report (SAR) The SAR is a summary of the information you entered on the Free Application for Federal Student Aid (FAFSA) It tells you how much federal student aid you might be eligible to receive and how much the government thinks you can reasonably pay for your school expenses The SAR also notifies you if you are eligible for a Federal Pell Grant You will receive a SAR in 1-3 days after you filed an Electronic FAFSA or 2-3 weeks after you filed a paper version Check immediately for your EFC and any mistakes or errors13 What is the Expected Family Contribution (EFC) The EFC is the amount you and your family will be expected to pay for the coming academic year based on your financial situation Some colleges do not satisfy the studentrsquos full demonstrated financial need leaving the family with unmet need (a gap) Some need may be met with loans which need to be repaid usually with interest How is the EFC calculated The US Department of Education uses the Federal Methodology (FM) to calculate your aid eligibility The FM takes into account your familyrsquos income the number of family members in college net value of assets and your enrollment status among other factors To estimate your EFC utilize the Expected Family Contribution Calculator wwwfinaidorgefc What happens after I receive my SAR Look for mistakes or errors Any colleges you listed on your FAFSA will also receive an electronic copy of your SAR If you find an error notify your schoolrsquos financial aid office immediately to let them know Errors can also be corrected online using your PIN at wwwfasfagov What if I find mistakes on my SAR Let your college know and go to wwwfafsaedgov Under ldquoFAFSA Follow Uprdquo click ldquoMake Corrections to a Processed FAFSArdquo Check the items you want to change and make corrections On paper on the last pages of the SAR find your original FAFSA info Make changes and only fill in the areas that need to be changed andor corrected You and your parents must sign and mail the corrected FAFSA to the central processor or send to each school to which you are applying to for admission and financial aid

Highlights of each page in your SAR Page 1 Intro Tracks the aid process for you If there

is an asterisk next to your EFC you have been selected for verification (see below)

Page 2 Confidentiality information reminders Page 3 EFC other info EFC is listed at the top

along with other information such as any issues with aid eligibility

Page 4 Summary of loans Refer to your records

and make sure your totals are accurate Pages 5-8 FAFSA summary Review the summary

Make corrections or changes in the spaces provided You can also make changes online at wwwfafsagov

SAR Information Acknowledgement Correct any wrong information on pages 5 through 8 of the SAR or online When do I receive my financial aid Once your college reviews your SAR and verifies your eligibility it will create and notify you of your aid eligibility and send an award letter You do not need to accept all of the aid thatrsquos offered to you accept only the aid you want Rejecting one form of aid however will not result in increases in the other forms of aid Federal aid will first be applied to certain school charges such as tuition fees room and board Excess may then be disbursed to the student or credited to his or her student account Why is there an asterisk next to my EFC An asterisk () means you have been selected for verification and you must provide documents to your college to verify that information submitted on the FAFSA is correct If your college asks verification documents send as soon as possible to avoid a delay in the aid process The US Department of Education has switched to a targeted verification process About a third to half of all FAFSAs will be selected for verification Some colleges verify 100 of their aid applicants they find that this increases the accuracy of the information used to award financial aid This helps ensure that the most deservingneedy students receive financial aid

dcarrico
Text Box
44

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 48: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Student Bulletin

Fastweb Student Bulletin Series Student Aid Report (SAR) and Expected Family Contribution (EFC) wwwfastwebcom

13 13

Free Application for Federal Student Aid (FAFSA) The Free Application for Federal Student Aid or FAFSA is a national form used to collect demographic and financial information from applicants for Federal state and some institutional financial aid programs The form collects information from the student (and family if applicable) such as prior year income current net value of assets family size and the number of children who will be enrolled in college on at least a half-time basis in the coming academic year Net Cost The net cost is the difference between the cost of attendance and the need-based financial aid package (Net Cost = COA ndash Financial Aid) Net Price The net price is the same as the out-of-pocket cost the difference between the cost of attendance and just grants The net price is the amount the family pays earns or borrows to cover college costs (Net Price = COA ndash Grants) Open Admissions Students are admitted regardless of their academic qualifications Most community colleges and for-profit colleges have an open admissions policy Out-of-State Students Generally applies to students attending a public university outside of their home state Out of-state students usually pay a higher tuition rate unless they establish legal residency for the state where they attend school or a reciprocity agreement is in place between the studentrsquos state and the state of the school Rolling Admissions There is no set admissions deadline date qualified students are accepted until classes are filled Student Aid Report (SAR) The Student Aid Report lists the data elements submitted on the FAFSA some intermediate calculations the studentrsquos expected family contribution along with other information such as the graduation rates of the colleges being considered Unmet Need The unmet need sometimes called a gap is the difference between the full demonstrated financial need and the studentrsquos need-based financial aid package (Unmet Need = Financial Need ndash Financial Aid)

Glossary of Key Terms Award Letter The financial aid award letter is a notification telling you about the financial aid offered to you by your college (including estimated costs financing information types of aid amounts offered specific program information etc) You may choose to accept some or all of what is offered Unfortunately colleges do not increase the grants in the financial aid package if you turn down student employment andor loans CreditUnit (or Credit Hour) A credit hour is a unit of measurement for fulfilling course requirements Most colleges require that you complete a certain number of creditsunits in order to graduate Cost of Attendance The cost of attendance includes all costs associated with attending college tuition amp fees roomboard books supplies transportation personal expenses and a personal computer Ask the school about increasing your cost of attendance if you have dependent care or disability-related expenses CSSFinancial Aid PROFILE The PROFILE form is used to apply for financial aid at about 250 colleges It calculates the studentrsquos expected family contribution (EFC) under the Institutional Methodology (IM) It is used to apply for the collegersquos own financial aid funds and does not affect eligibility for government aid It is filed online at profileonlinecollegeboardcom Demonstrated Financial Need Demonstrated financial need is the difference between the cost of attendance and the expected family contribution (Financial Need = COA ndash EFC) Enrollment Status Indicates you attend school full-time or part-time In general you must attend at least half-time to qualify for financial aid Expected Family Contribution (EFC) Amount toward the cost of attendance each year a student and his or her family are expected to contribute from their own financial resources Financial Aid Package A financial aid package is a combination of multiple types and sources of financial aid It may include money from the federal government state government the college itself and private sources

dcarrico
Text Box
45

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________
Page 49: SeniorHandbook’ forthe’’ Classof2016’boltoncollegeandcareer.weebly.com/.../59007161/bolton_sr_handboo… · _____Take the ACT in Sept., Oct., Dec.(Early dates are used for

Scholarship ScamsScam Warning Signsbull You have to pay a feebull Money-back offers or guaranteesbull Credit card or bank account information requiredbull Provides ldquoexclusiverdquo information

Scams ldquoPhishingrdquo amp ldquoPharmingrdquoldquoPhishingrdquobull Unsolicited emails that bear the logo of your bank or credit cardbull Appear legitimate but are traps to lure you into giving out your personal or account information

NEVER give out Social Security credit card or bank account numbers to unsolicited emails or calls

ldquoPharmingrdquobull Unsolicited emails that encourage you to visit a website or click on suspicious linksbull Make sure your inbox spam filters are up to date

BE CAREFUL about giving out your con-tact information or email address

Reporting ScamsNational Fraud Information Center (NFIC) File an online complaint at wwwfraudorg

Federal Trade Commission (FTC)File an online complaint at wwwftcgovscholarshipscams call 877-FTC-HELP (877-382-4357) or write toFederal Trade CommissionConsumer Response Center600 Pennsylvania Ave NWWashington DC 20580

State Attorney Generalrsquos Office File your complaint with theConsumer Protection Division in your state Visit wwwnaagorg to find your state Attorney Generalrsquos Office

US Postal Inspection Service (USPIS) File an online complaint involving mail fraud at wwwpostalinspectorsuspisgov call the Crime Hotline at 877-876-2455 or write to Inspection Service Support Group 222 S Riverside Plaza Ste 1250 Chicago IL 60606-6100

Better Business Bureau (BBB)File an online complaint about a business at wwwbbborg or call 703-276-0100

Fast

web

rsquos 2

0th

Anni

vers

ary

High School Student2015-2016 CalendarAugust 2015 7 - ACT Registration Deadline for 912 Test21 - ACT Late Registration Deadline for 912 Test

September 2015 3 - SAT Registration Deadline for 103 Test12 - ACT Test (Selected States)18 - ACT Registration Deadline for 1024 Test22 - SAT Late Registration Deadline for 103 Test

October 2015Choose AP coordinators if participating1-3 - NACAC National Conference2 - ACT Late Registration Deadline for 1024 Test3 - SAT amp Subject Tests9 - SAT Regular Registration Deadline for 117 Test14 - PSATNMSQT24 - ACT Test27 - SAT Late Registration Deadline for 117 Test28 - PSATNMSQT

November 20155 - SAT Registration Deadline for 125 Test6 - ACT Registration Deadline for 1212 Test7 - SAT amp Subject Tests20 - ACT Late Registration Deadline for 1212 Test23 - SAT Late Registration Deadline for 125 Test

December 20155 - SAT amp Subject Tests12 - ACT Test28 - SAT Registration Deadline for 123 Test

January 2016Remind students to complete FAFSA and submit ASAP to maximize chances for aid8 - ACT Registration Deadline for 26 Test12- SAT Late Registration Deadline for 123 Test15 - ACT Late Registration Deadline for 26 Test23 - SAT amp Subject Tests

February 20165 - SAT Registration Deadline for 35 Test6 - ACT Test (except in NY)23 - SAT Late Registration Deadline for 35 Test

March 20164 - ACT Registration Deadline for 49 Test5 - SAT Test (only)18 - ACT Late Registration Deadline for 49 Test

April 20168 - SAT Registration Deadline for 57 Test9 - ACT Test26 - SAT Late Registration Deadline for 57 Test

May 20161 - National Candidatesrsquo Reply Date2 - AP Exams - Week 15 - SAT Registration Deadline for 64 Test6 - ACT Registration Deadline for 611 Test7 - SAT amp Subject Tests9 - AP Exams - Week 220 - ACT Late Registration Deadline for 611 Test25 - SAT Late Registration Deadline for 64 Test

June 20164 - SAT amp Subject Tests11 - ACT Test30 - Last day to submit 2015-2016 FAFSA

Summer 2016 Jul - 1 - AP scores available by phone AP grades sentOrder materials wwwfastwebcomeducators

Web ResourcesSources of AidScholarship Searchwwwfastwebcom

College Savings Plan Networkwwwcollegesavingsplanorg

AmeriCorpswwwamericorpsgov

City Yearwwwcityyearorg

CSSFinancial Aid PROFILEprofileonlinecollegeboardcom

Direct Loanswwwdirectedgov

Student Loanswwwstudentloansgov

College AdmissionsCollege Searchwwwfastwebcomcollege-search

Educational Opportunitywwwopportunitygov

Collegewwwcollegegov

NACAC College Fairswwwnacacnetorgeventstrainingcolleg-efairspagesdefaultaspx

Common Applicationwwwcommonapporg

FAFSA (Free Application for Federal Student Aid)wwwfafsaedgov

FAFSA PIN Registrationwwwpinedgov

FAFSA 4Casterwwwfafsa4casteredgov

Job Corpswwwjobcorpsgov

Resources by Statewwwfinaidorgstate

Student Tax Infowwwirsgovindividualsstudents

Choosing a MajorCareerMonsterCollegewwwmonstercollegecom

Bureau of Labor Statisticswwwstatsblsgov

Occupational Outlook Handbookwwwblsgovoco

Higher Ed NewsChronicle of Higher Educationwwwchroniclecom

Higher Education Watchwwwhigheredwatchorg

Inside Higher Edwwwinsidehigheredcom

dcarrico
Text Box
46
  • Campus Visit Checklist pg 28pdf
    • Name of School _____________________________________________