PLUS Loan, How, Who, What and How Much?

August 24, 2016
How to Apply for a PLUS Loan PLUS loans, PLUS loan repayment, If you’re a parent of a dependent undergraduate student or if you’re someone planning to attend graduate school, you’ve probably heard of the PLUS loan. The Direct PLUS Loanis a federal loan program that’s available specifically for these two groups of people to help […]

How to Apply for a PLUS Loan

PLUS loans, PLUS loan repayment,

If you’re a parent of a dependent undergraduate student or if you’re someone planning to attend graduate school, you’ve probably heard of the PLUS loan. The Direct PLUS Loanis a federal loan program that’s available specifically for these two groups of people to help cover the remaining cost of attending school after all other financial aid has been applied. Below we’ll explain the requirements, application process, and some tips if you’re considering getting a PLUS loan.

Requirements to Receive a PLUS Loan

No Adverse Credit History
A credit history is a summary of your financial strength, including your history of paying bills and your ability to repay future loans. To qualify for a PLUS loan, you cannot have an adverse credit history.

FAFSA Completion and PLUS loan Application
The student going to college (the child of the parent requesting the loan or the graduate/professional student) has to submit a FAFSA before beginning the PLUS loan application process.

Requirements for Parents:
You must be the biological, adoptive, or in some cases, stepparent of the dependent undergraduate student going to college. Your child must also be enrolled at least half-time at a school that participates in the Direct Loan Program. Unlike Direct Subsidized and Unsubsidized Loans; you, the parent, are responsible for repaying the PLUS loan.

Requirements for Graduate or Professional Students:
You must be enrolled at least half-time at a school that participates in the Direct Loan Program.

TIP for graduate and professional students:
If you’re eligible for Direct Unsubsidized Loans, you should borrow those loans before applying for PLUS. The interest rate is lower for Direct Loans.

How Much Money Can I Borrow?

The maximum PLUS loan amount is the cost of attendance (determined by the school) minus any other financial aid received. If you aren’t sure what your school’s cost of attendance is, contact your school’s financial aid office. If you want to see the average annual cost of a school, look it up on our College Scorecard.

How to Apply for a PLUS Loan

In most cases, you’ll apply for a PLUS loan on StudentLoans.gov.

Some schools have a different application process, so check with your financial aid office to make sure you’re going to the right place.

  1. Go to StudentLoans.gov
  2. Log in using your FSA ID.
  3. Select the type of PLUS loan you’re requesting, graduate student or parent.

Before making your selection, you should know the following:

  • The award year the PLUS loan is for.
  • Parents should have the student’s information, including their date of birth and Social Security number.
  1. Fill out the “School & Loan Info” fields.
  2. In the section that reads “Loan Amount Requested” you will have a few options.
  • Selecting “I want to borrow the maximum amount for which I am eligible” will require you to select the loan period to which you’d like to apply the PLUS loan. This field may be different for each school.
  • Selecting “I would like to specify a loan amount” will require you to type in the amount and the loan period start/end dates.  If your request exceeds the amount you’re eligible for, the school will contact you.
  • If you select “I do not know the amount I want to borrow. I will contact the school” then you should contact the school after your application has been approved, or the school may contact you.

 

  1. Information about the PLUS loan borrower (the borrower is the parent of the undergraduate dependent student or the graduate/professional student):
  • Permanent address.
  • Mailing address.
  • Employer information if the borrower is employed.
  1. Credit Check and Adverse Credit History
    PLUS loans are the only type of federal student loan that require a credit check. If you are found to have adverse credit history during the application process, you still have options.

Note: If you’re a parent applicant with adverse credit history and you’re unable to get a PLUS loan, your child may be eligible for additional unsubsidized student loans. Check with the financial aid office at your child’s school for details.

Even with adverse credit history, there are two ways you may still be able to quality for a PLUS loan:

  1. Sign a Master Promissory Note (MPN)
    After finding out that you’re eligible for the PLUS loan, you’ll be required to sign an MPN and agree to the terms of the loan. Make sure you read your MPN carefully because it’s a binding legal document that lists all the conditions of your loan.

Graduate students: If it’s your first time receiving a PLUS loan, you’ll be required to complete entrance counseling. Confirm with your school to make sure.

Note: If you have previously received a PLUS loan you may not have to complete another MPN. Check with your school to confirm.

How do I find out how much I can borrow?

After your PLUS loan request is complete, the school will inform you of how much you’re eligible to receive.

How and when will I get my loan?

The school will apply funds to the student’s school account to cover tuition, fees, room and board, and other school charges. If there is a remaining balance, the school will give it to the student to help pay for other education expenses. Parents who have been approved for a PLUS loan have the option of asking the school to pay the remaining funds directly to the student.

Each school has a different schedule for disbursing PLUS loans, so check with the school to find out when you should expect the funds.

 

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10 best sites to look for scholarships

July 8, 2016
The 10 best sites to look for scholarships orignial article here http://www.hercampus.com/career/money/10-best-sites-look-scholarships With a new semester upon us and our bank accounts drained from holiday shopping and much-needed nights out, scholarships of any amounts can certainly come in handy. Here are the 10 best sites for searching for scholarship cash — along with one scholarship from […]

The 10 best sites to look for scholarships

orignial article here http://www.hercampus.com/career/money/10-best-sites-look-scholarships

With a new semester upon us and our bank accounts drained from holiday shopping and much-needed nights out, scholarships of any amounts can certainly come in handy.

Here are the 10 best sites for searching for scholarship cash — along with one scholarship from each to get you started!

  1. Zinch.com

Zinch is a college students one-stop-shop for scholarships that are creative, easy and fun to apply for and win. To apply for scholarships via Zinch, you’ll have to create a username and profile that will help the site find scholarships that are specifically relevant to you! One of Zinch’s most popular awards is the Weekly Three Sentence Essay Scholarship, where applicants must generate a 280-character essay (that’s only two tweets!) while vying for $1,000 of cold, hard cash.

Visit Zinch.com for more scholarships.

  1. Fastweb.com

Fastweb is another terrific, free resource where you’ll find thousands of scholarships at your fingertips. Not only does Fastweb offer a massive database of monetary awards, but it also features helpful career planning services and learning tools for its registered users! One of Fastweb’s most recently featured scholarships is the “Natural Disaster” PSA Video Contest, a $3,000 scholarship offered to creative undergrads with an eye for cinematography and knowledge of the consequences of natural disasters.

Visit Fastweb.com for more scholarships.

  1. ScholarshipPoints.com

You know how you always seem to receive a new, complimentary gift after so many purchases at that favorite beauty counter of yours? ScholarshipPoints works the same way! Well, kind of. The site’s users rack up points through a rewards system, making them eligible for different scholarships according to how many points they have earned. Members can earn points through fun, day-to-day activities like reading blogs, taking quizzes and playing online games. ScholarshipPoints offers a rolling, monthly $1,000 for its members and a quarterly $10,000 scholarship . Join today and start earning your points!

Visit ScholarshipPoints.com for more scholarships.

  1. Cappex.com

You may remember being advised by your high school guidance counselor to make a Cappex account to help narrow down your college search, but don’t delete that online profile just yet! The site is still helpful during our undergrad years, offering ample scholarship opportunities and financial advice. Once we’re undergrads, Cappex graciously bumps us up to “College Pro” status, where we’ll be eligible to apply for a $2,500 College Pro exclusive scholarship! Don’t wait, and check out all of the fine print of the Cappex College Pro scholarship today.

Visit Cappex for more scholarships.

  1. Scholarships.com

A no-brainer of a URL, are we right? Scholarships.com is a wonderful resource for college students who aspire to kill two birds with one stone—the site finds both scholarships and colleges that are perfect for you! If you’re looking to transfer to a school that is dying to recruit you and offer you scholarships, this is the site to visit. The site allows you to pinpoint specific scholarships by your major, year in school and location, increasing your chances for receiving awards and saving you tons of time. For meticulous proofreaders and aspiring editors, you may want to check out theProof-Reading.com Scholarship Program featured on Scholarships.com! Although an essay is required, the $1,500 you could earn is definitely worth the time spent behind the keyboard.

  1. College Board's Scholarship Search
    Offering 2,300 sources of financial aid and over $3 billion in scholarship awards, the College Board's scholarship search resource could put you on the right track to financing your education—and fast! To start your search, be sure to fill out the detailed questionnaire on the site to narrow down specific awards that satisfy your financial needs. While you're browsing the College Board's scholarship selection, see if you're eligible to apply for theCoca-Cola Community Colleges Academic Scholarship! If you're at a small, local school this $1,000-$2,000 award could be right up your alley.

Visit the College Board for more scholarships.

  1. NextStudent.com
    Formerly known as Scholarships101.com, NextStudent is an online leader in helping undergrads pay for college tuition, books and more. Like most of the aforementioned sites, NextStudent requires its students to set up a user account complete with details like school year, location and major to pinpoint scholarships for you! One of the scholarship matches that NextStudent found for me? The Stephen J. Brady STOP Hunger Scholarship, a $5,000 award available to any undergrad who has performed community service in the last 12 months, namely in the areas of food service.

Visit NextStudent.com for more scholarships.

  1. StudentScholarships.org
    StudentScholarships.org is much like NextStudent.com, serving as a powerful search engine for finding relevant scholarships for undergrads. This site is also helpful because it features career profiles for many fields of study, giving its users a good idea of expected salary and job opportunities after graduation. Check out the Dr. Aura-Lee A. and James Hobbs Pittenger American History Scholarship, a $8,000 scholarship (with $2,000 paid annually through a four year college career) if you're a collegiette™ interested in American History and Government!

Visit StudentScholarships.org for more scholarships.

  1. ScholarshipExperts.com
    This site boasts that it is "fast, easy and free" which is certainly true! ScholarshipExperts.com is yet another great resource for scouring the Internet for great monetary awards during your undergrad years. Check out the "Courage To Grow" scholarshipon the site, which awards eligible undergrads one $500 scholarship every month.

Visit ScholarshipExperts.com for more scholarships.

  1. SuperCollege.com
    Last, but not least, we have SuperCollege.com! This site is an online database of scholarships, grants and fun contests for undergrads to enter and (hopefully) win. On top of offering great scholarships, SuperCollege also offers no-nonsense guides for collegiettes™ like "How to Write a Winning Scholarship Essay" and "More Easy Ways to Save Money in College." For creative collegiettes™ who are savvy with videography and have a way with flashcards, be sure to check out SuperCollege's Flashcard Scholarship worth $500!

Visit SuperCollege.com for more scholarships.

While many students and families go after these private scholarships the BIG Dollar Scholarships are from the college’s endowments. Discover who and how to maximize these scholarships at the workshop hosted by AZCollegePlanning - “How to Not Go Broke Paying for College”.

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Preferential Student Packaging

June 16, 2016
Preferential Student Packaging is a term you must know so you can get all the aid you can get. Colleges use financial aid to recruit and attract the students they want. This is called preferential packaging, offering more scholarships/grants to the students they want and “gapping” or under-awarding (offering more loans) to the students they […]

Preferential Student Packaging is a term you must know so you can get all the aid you can get.

Colleges use financial aid to recruit and attract the students they want. This is called preferential packaging, offering more scholarships/grants to the students they want and “gapping” or under-awarding (offering more loans) to the students they really don’t want or don’t care. Read this as a college playing favorites over one student vs. another.  (I’ll show you how to be a favorite!)

Depending on if the student is highly desirable at college A verses college B will determine what type of scholarship package the student is offered.

Too many times students apply to a “reach” college and maybe they get admitted but will most likely not be offered a great scholarship package. This data can be found on the college's common data set.

The key to preferential packaging and getting a great scholarship is properly positioning and marketing the student to the college(s).

It might mean joining an extra club and getting a leadership position in the club. It might translate to taking the SAT or ACT one more time to bump up the score. It certainly means writing a stand out essay and properly demonstrating interest at the college(s).

Get in, get big scholarships. We’ll show you how! We can help. Give us a call now.

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Don’t have a college yet?

May 26, 2016
Don’t have a college yet? Here is a list of college that still have open seats for next fall 2016. http://www.nacacnet.org/research/research-data/College-Openings/Pages/College-Openings-Results.aspx Institution Name State/Country Freshmen Transfer Institutional Control Enrollment Financial Aid Housing Adams State University CO Yes Yes Public 1,000-4,999 Yes Yes Contact Info Aims Community College CO Yes Yes Public 5,000-9,999 Yes No Contact […]

Don’t have a college yet?

Here is a list of college that still have open seats for next fall 2016.

http://www.nacacnet.org/research/research-data/College-Openings/Pages/College-Openings-Results.aspx

Institution Name State/Country Freshmen Transfer Institutional Control Enrollment Financial Aid Housing
Adams State University CO Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Aims Community College CO Yes Yes Public 5,000-9,999 Yes No Contact Info
Alfred State SUNY College of Technology NY Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Alfred University NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Alverno College WI Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
American International College MA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Anoka-Ramsey Community College MN Yes Yes Public 1,000-4,999 Yes No Contact Info
Antioch College OH Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Appalachian State University NC No Yes Public 15,000-19,999 Yes No Contact Info
Aquinas College TN Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Aquinas College MI Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Arizona State University AZ Yes Yes Public 20,000+ Yes Yes Contact Info
Art Academy of Cincinnati OH Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Asbury University KY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Augustana University SD Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Baker University KS Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Barry University FL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Bastyr University WA No Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Bay Path University MA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Becker College MA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Belhaven University MS Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Bellarmine University KY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Bellevue University NE Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Belmont Abbey College NC Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Belmont University TN Yes Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
Benedictine University at Mesa AZ Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Benjamin Franklin Institute of Technology MA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Berry College GA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Bethany Lutheran College MN Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Birmingham-Southern College AL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Bishop's University Canada Yes Yes Public 1,000-4,999 No Yes Contact Info
Bluffton University OH Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Boise State University ID Yes Yes Public 15,000-19,999 Yes Yes Contact Info
Bradley University IL Yes Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
Brenau University GA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Brescia University KY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Brescia University College Canada Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Brevard College NC Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Bridgewater State University MA Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Brunel University London United Kingdom Yes Yes Public 10,000-14,999 Yes Yes Contact Info
Buena Vista University IA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Cabrini College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Cairn University PA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
CalArts CA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Caldwell University NJ Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
California College of the Arts CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
California Lutheran University CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Canisius College NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Capital University OH Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Capitol Technology University MD Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Cardinal Stritch University WI Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Carroll College MT Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Catawba College NC Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Cazenovia College NY Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Cedar Crest College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Centenary College of Louisiana LA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Champlain College VT No Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Chapman University CA No Yes Private (nonprofit) 5,000-9,999 Yes No Contact Info
Christian Brothers University TN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Clayton State University GA Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Cleveland State University OH Yes Yes Public 10,000-14,999 Yes Yes Contact Info
Coastal Carolina University SC Yes Yes Public 10,000-14,999 Yes Yes Contact Info
Colby-Sawyer College NH Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
College of Mount Saint Vincent NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Colorado Mesa University CO Yes Yes Public 10,000-14,999 Yes Yes Contact Info
Columbia College MO Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Columbus State University GA Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Community College of Allegheny County PA Yes Yes Public 20000 Yes No Contact Info
Concordia College NY Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Concordia University Chicago IL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Concordia University Irvine CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Concordia University Texas TX Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Cottey College MO Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Dakota County Technical College MN Yes Yes Public 1,000-4,999 Yes No Contact Info
Dean College MA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Delaware College of Art and Design DE Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Delaware Valley University PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
DePaul University IL Yes Yes Private (nonprofit) 15,000-19,999 Yes Contact Info
DePauw University IN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Dixie State University UT Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Dominican College NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Dominican University of California CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Drew University NJ Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Drexel University PA Yes Yes Private (nonprofit) 15,000-19,999 Yes Yes Contact Info
Durham University United Kingdom Yes No Public 10,000-14,999 No Yes Contact Info
D'Youville College NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
East Stroudsburg University PA Yes Yes Public 5,000-9,999 Yes Yes Contact Info
East Tennessee State University TN Yes Yes Public 10,000-14,999 Yes Yes Contact Info
Eastern Connecticut State University CT Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Eastern Michigan University MI Yes Yes Public 15,000-19,999 Yes Yes Contact Info
Eastern Oregon University OR Yes Yes Public 1-1,000 Yes Yes Contact Info
Eastern Washington University WA Yes Yes Public 10,000-14,999 Yes Yes Contact Info
Edgewood College WI Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Elizabeth City State University NC Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Elmhurst College IL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Elmira College NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Elms College MA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Emory & Henry College VA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Fairleigh Dickinson University NJ Yes Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
Fairleigh Dickinson University Vancouver campus Canada Yes Yes Private (nonprofit) 1-1,000 Yes No Contact Info
Farmingdale State College NY Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Fayetteville State University NC Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Felician University NJ Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Ferris State University MI Yes Yes Public 10,000-14,999 Yes Yes Contact Info
Fisher College MA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Florida Institute of Technology FL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Florida Southern College FL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Florida State College at Jacksonville FL Yes Yes Public 20000 Yes No Contact Info
Fontbonne University MO Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Fort Lewis College CO Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Framingham State University MA Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Franklin College IN Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Franklin Pierce University NH Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Frostburg State University MD Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Gannon University PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Gardner-Webb University NC Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
George Williams College of Aurora University WI Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Georgia State University GA Yes Yes Public 20000 Yes Yes Contact Info
Georgian Court University NJ Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Gonzaga University WA No Yes Private (nonprofit) 1,000-4,999 Yes No Contact Info
Governors State University IL Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Green Mountain College VT Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Greensboro College NC Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Grove City College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Guilford College NC Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Gwynedd Mercy University PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Hampshire College MA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Hawaii Tokai International College HI Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Heartland Community College IL Yes Yes Public 5,000-9,999 Yes No Contact Info
Hiram College OH Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Hofstra University NY Yes Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
Holy Cross College IN Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Holy Family University PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Hope International University CA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Houghton College NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Howard Payne University TX Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Hult International Business School CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Husson University ME Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Illinois College IL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Illinois State University IL Yes Yes Public 15,000-19,999 Yes Yes Contact Info
Immaculata University PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Indiana Tech IN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Indiana University IN Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Jacksonville University FL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Jacksonville University FL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Jacobs University Bremen Germany Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
John Carroll University OH Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Johnson & Wales University (Colorado) CO Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Johnson & Wales University (Florida) FL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Johnson & Wales University (North Carolina) NC Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Johnson & Wales University (Rhode Island) RI Yes Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
Juniata College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Keele University United Kingdom Yes No Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
Kennesaw State University GA Yes Yes Private (nonprofit) 20000 Yes Yes Contact Info
Kentucky Wesleyan College KY Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Kettering University MI Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Keystone College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Knox College IL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Kutztown University of PA PA Yes Yes Public 5,000-9,999 Yes Yes Contact Info
La Roche College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
La Salle University PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Lackawanna College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Lake Erie College OH Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Lake Forest College IL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Lake Region State College ND Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Lawrence Technological University MI Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Lawrence University WI Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Leeds College of Art United Kingdom Yes Yes Private (nonprofit) 1,000-4,999 No Yes Contact Info
LeMoyne-Owen College TN Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Lenoir-Rhyne University NC Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Lesley University MA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Life Pacific College CA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Life University GA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Linfield College` OR Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Lipscomb University TN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
London South Bank University United Kingdom Yes Yes Public 15,000-19,999 Yes Yes Contact Info
Longwood University VA Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Loras College IA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Loyola University Maryland MD Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Loyola University New Orleans LA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Luther College IA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Lycoming College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Lynchburg College VA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
MacMurray College IL Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Macquarie University Australia Yes Yes Public 20000 Yes Yes Contact Info
Madonna University MI Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Maine College of Art ME Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Malone University OH Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Manchester Metropolitan University United Kingdom Yes Yes Public 20000 Yes Yes Contact Info
Manhattanville College NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Marietta College OH Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Marshall University WV Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Marygrove College MI Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Maryland Institute College of Art MD Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Marymount California University CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Marymount University VA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Maryville College TN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Marywood University PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Messiah College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Michigan Technological University MI Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Midway University KY Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Miles College AL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Millersville University PA Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Milligan College TN Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Mills College CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Misericordia University PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Missouri State University MO Yes Yes Public 10,000-14,999 Yes Yes Contact Info
Monmouth College IL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Monmouth University NJ Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Morningside College IA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
muskingum university OH Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
National College of Natural Medicine OR No Yes Private (nonprofit) 1-1,000 Yes No Contact Info
New Brunswick Community College Canada Yes Yes Public 1,000-4,999 No Yes Contact Info
New England College NH Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
New England Institute of Technology RI Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
New Hampshire Institute of Art NH Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
New York Institute of Technology NY Yes Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
Newberry College SC Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Newbury College MA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Newman University KS Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Niagara University NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
North Central University MN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
North Dakota State University ND Yes Yes Public 10,000-14,999 Yes Yes Contact Info
North Greenville University SC Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
North Park University IL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Northeastern Illinois University IL Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Northern Michigan University MI Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Northland College WI Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Northwest Nazarene University ID Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Northwest University WA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Norwich University VT Yes Yes Private (nonprofit) 1,000-4,999 Yes No Contact Info
Notre Dame de Namur University CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Notre Dame of Maryland University MD Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Nova Southeastern University FL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Oakland University MI Yes Yes Public 20000 Yes Yes Contact Info
Oglethorpe University GA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Ohio Wesleyan University OH Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Oklahoma Christian University OK Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Oregon State University OR Yes Yes Public 20000 Yes Yes Contact Info
Pace University NY Yes Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
Pacific Lutheran University WA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Pacific Northwest College of Art OR Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Pacific University Oregon OR Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Paul Smith's College NY Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Penn State University PA Yes Yes Public 20000 Yes Yes Contact Info
Pennsylvania Academy of the Fine Arts PA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Philadelphia University PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Pine Manor College MA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Point Loma Nazarene University CA No Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Point University GA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Portland State University OR Yes Yes Public 20000 Yes Yes Contact Info
Presbyterian College SC Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Prescott College AZ Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Presentation College MN Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Purchase College, SUNY NY Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Queens University of Charlotte NC Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Queensborough Community College-City University of New York NY Yes Yes Public 15,000-19,999 Yes No Contact Info
Quincy University IL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Radford University VA Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Randolph College VA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Randolph-Macon College VA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Regis College MA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Regis University CO Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Richmond, The American International University in London United Kingdom Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Rider Univeristy NJ No Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Ripon College WI Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Roanoke College VA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Robert Morris University PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Rochester Institute of Technology NY Yes Yes Private (nonprofit) 15,000-19,999 Yes Yes Contact Info
Rockford University IL Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Rockhurst University MO Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Rollins College FL No Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Royal Holloway, University of London United Kingdom Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Rutgers University - Newark NJ Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Sacred Heart University CT No Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
Saint Francis University PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Saint Joseph's College IN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Saint Leo University FL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Saint Louis University MO Yes Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
Saint Louis University - Madrid Campus Spain Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Saint Martin's University WA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Saint Mary-of-the-Woods College IN Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Saint Mary's College IN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Saint Mary's College of California CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Saint Mary's University MN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Saint Peter's University NJ Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Saint Vincent College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Salem State University MA Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Salisbury University MD No Yes Public 5,000-9,999 Yes Yes Contact Info
San Francisco Art Institute CA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
School of the Museum of Fine Arts, Boston MA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Shawnee State University OH Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Shenandoah University VA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Shimer College IL Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
SOAS University of London United Kingdom Yes Yes Public 1,000-4,999 No Yes Contact Info
South Dakota School of Mines SD Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Southeast Missouri State University MO Yes Yes Public 10,000-14,999 Yes Yes Contact Info
Southeast Technical Institute SD Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Southern Connecticut State University CT Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Southern Illinois University Edwardsville IL Yes Yes Public 10,000-14,999 Yes Yes Contact Info
Southern Methodist University TX No Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
Southern Oregon University OR Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Southern Vermont College VT Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Southwestern Adventist University TX Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Southwestern Assemblies of God University TX Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Spring Arbor University MI Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Spring Hill College AL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Springfield College MA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
St. Bonaventure University NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
St. Catherine University MN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
St. John's College NM Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
St. John's College MD Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
St. John's College of Nursing IL No Yes Private (nonprofit) 1-1,000 Yes No Contact Info
St. Joseph's COllege NY Yes Yes Private (nonprofit) 1,000-4,999 Yes No Contact Info
St. Louis College of Pharmacy MO Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
St. Mary's College of Maryland MD Yes Yes Public 1,000-4,999 Yes Yes Contact Info
St. Norbert College WI Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
St. Thomas Aquinas College NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
St. Thomas University Canada Yes Yes Public 1,000-4,999 Yes Yes Contact Info
State University of New York at Fredonia NY Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Sterling College VT Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Stetson University FL Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Stevenson University MD Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Stockton University NJ Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Suffolk University MA Yes Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
SUNY Buffalo State NY Yes Yes Public 10,000-14,999 Yes Yes Contact Info
SUNY Canton NY Yes Yes Public 1,000-4,999 Yes Yes Contact Info
SUNY Delhi NY Yes Yes Public 1,000-4,999 Yes Yes Contact Info
SUNY Oneonta NY Yes Yes Public 5,000-9,999 Yes Yes Contact Info
SUNY Potsdam NY Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Sweet Briar College VA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Syracuse University NY No Yes Private (nonprofit) 15,000-19,999 Yes Yes Contact Info
Tennessee Wesleyan College TN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Texas A&M University at Galveston TX Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Texas State University TX No Yes Public 20000 Yes Yes Contact Info
The American University of Rome Italy Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
The Catholic University of America DC Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
The College of New Rochelle NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
The College of St. Scholastica MN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
The Culinary Institute of America NY Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
The Evergreen State College WA Yes Yes Public 1,000-4,999 Yes Yes Contact Info
The New School NY Yes Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
The University of Manchester England Yes Yes Public 20000 Yes Yes Contact Info
The University of Sydney Australia Yes Yes Public 20000 Yes Yes Contact Info
The University of Texas at Arlington TX Yes Yes Public 20000 Yes Yes Contact Info
The University of Texas at San Antonio TX Yes Yes Public 20000 Yes Yes Contact Info
The University of Utah UT Yes Yes Public 20000 Yes Yes Contact Info
Thiel College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Thomas College ME Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Tompkins Cortland Community College NY Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Trine University IN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Trinity Christian College IL Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Truman State University MO Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Union College KY Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
University of Aberdeen United Kingdom Yes Yes Public 10,000-14,999 Yes Yes Contact Info
University of Akron OH Yes Yes Public 20000 Yes Yes Contact Info
University of Alaska Anchorage AK Yes Yes Public 15,000-19,999 Yes Yes Contact Info
University of Alaska Anchorage AK Yes Yes Public 15,000-19,999 Yes Yes Contact Info
University of Alberta Canada Yes Yes Public 20000 Yes Yes Contact Info
University of Arizona AZ Yes Yes Public 20000 Yes Yes Contact Info
University of Baltimore MD Yes Yes Public 1,000-4,999 Yes No Contact Info
University of Central Lancashire United Kingdom Yes Yes Public 20000 No Yes Contact Info
University of Charleston WV Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
University of Dayton OH Yes Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
University of Detroit Mercy MI Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
University of Dundee United Kingdom Yes Yes Public 15,000-19,999 Yes Yes Contact Info
University of East Anglia United Kingdom Yes Yes Public 10,000-14,999 Yes Yes Contact Info
University of East London United Kingdom Yes Yes Public 15,000-19,999 Yes Yes Contact Info
University of Essex United Kingdom Yes Yes Public 5,000-9,999 Yes Yes Contact Info
University of Exeter United Kingdom Yes Yes Public 15,000-19,999 No Yes Contact Info
University of Florida FL No Yes Public 20000 Yes Yes Contact Info
University of Glasgow United Kingdom Yes No Public 15,000-19,999 Yes Yes Contact Info
University of Hartford CT Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
University of Hawai'i at Hilo HI Yes Yes Public 1,000-4,999 Yes Yes Contact Info
University of Idaho ID Yes Yes Public 5,000-9,999 Yes Yes Contact Info
University of Illinois Springfield IL Yes Yes Public 5,000-9,999 Yes Yes Contact Info
University of Indianapolis IN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
University of La Verne CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
University of Maine at Farmington ME Yes Yes Public 1,000-4,999 Yes Yes Contact Info
University of Massachusetts Boston MA No Yes Public 15,000-19,999 Yes Contact Info
University of Michigan-Flint MI Yes Yes Public 5,000-9,999 Yes Yes Contact Info
University of Minnesota Crookston MN Yes Yes Public 1,000-4,999 Yes Yes Contact Info
University of Minnesota, Morris MN Yes Yes Public 1,000-4,999 Yes Yes Contact Info
University of Missouri MO Yes Yes Public 20000 Yes Yes Contact Info
University of Missouri-St. Louis MO Yes Yes Public 10,000-14,999 Yes Yes Contact Info
University of Mount Olive NC Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
University of Mount Union OH Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
University of New England ME Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
University of North Carolina at Pembroke NC Yes Yes Public 5,000-9,999 Yes Yes Contact Info
University of North Carolina at Wilmington NC No Yes Public 10,000-14,999 Yes No Contact Info
University of North Dakota ND Yes Yes Public 10,000-14,999 Yes Yes Contact Info
University of Northampton United Kingdom Yes Yes Public 10,000-14,999 No Yes Contact Info
University of Northern Colorado CO Yes Yes Public 10,000-14,999 Yes Yes Contact Info
University of Northern Iowa IA Yes Yes Public 10,000-14,999 Yes Yes Contact Info
University of Ontario Institute of Technology (UOIT) Canada Yes Yes Public 10,000-14,999 No Yes Contact Info
University of Oregon OR Yes Yes Public 20000 Yes Yes Contact Info
University of Redlands CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
University of Saint Joseph CT Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
University of San Diego CA Yes Yes Private (nonprofit) 5,000-9,999 Yes Yes Contact Info
University of Saskatchewan Canada Yes Yes Public 15,000-19,999 Yes Yes Contact Info
University of South Carolina Aiken SC Yes Yes Public 1,000-4,999 Yes Yes Contact Info
University of South Dakota SD Yes Yes Public 5,000-9,999 Yes Yes Contact Info
University of South Florida, St. Petersburg (USFSP) FL Yes Yes Public 5,000-9,999 No Yes Contact Info
University of Southern Maine ME Yes Yes Public 5,000-9,999 Yes Yes Contact Info
University of Sunderland United Kingdom Yes Yes Public 10,000-14,999 Yes Yes Contact Info
University of Surrey United Kingdom Yes Yes Public 10,000-14,999 Yes Yes Contact Info
University of the District of Columbia DC Yes Yes Public 1,000-4,999 Yes No Contact Info
University of the Incarnate Word TX Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
University of the Virgin Islands VI Yes Yes Public 1,000-4,999 Yes No Contact Info
University of the West CA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
University of Toledo OH Yes Yes Public 15,000-19,999 Yes Yes Contact Info
University of Vermont VT No Yes Public 10,000-14,999 Yes Yes Contact Info
University of Washington, Bothell WA Yes Yes Public 1,000-4,999 Yes No Contact Info
University of Waterloo Canada Yes Yes Public 20000 Yes Yes Contact Info
University of West Florida FL Yes Yes Public 10,000-14,999 Yes Yes Contact Info
University of Wisconsin Oshkosh WI Yes Yes Public 10,000-14,999 Yes Yes Contact Info
University of Wisconsin-La Crosse WI Yes Yes Public 5,000-9,999 Yes Yes Contact Info
University of Wisconsin-Milwaukee WI Yes Yes Public 20000 Yes Yes Contact Info
University of York United Kingdom Yes Yes Public 10,000-14,999 No Yes Contact Info
Ursinus College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Ursuline College OH Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Utica College NY No Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Valparaiso University IN Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Vanguard University CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Vatel International Business School of Hospitality & Management CA Yes No Private (nonprofit) 1-1,000 Yes Yes Contact Info
Virginia Commonwealth University VA Yes Yes Public 20000 Yes Yes Contact Info
Virginia Wesleyan College VA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Warren Wilson College NC Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Wartburg College IA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Washington State University Tri-Cities WA Yes Yes Public 1,000-4,999 Yes Yes Contact Info
Wayland Baptist University TX Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Wayne State University MI Yes Yes Public 15,000-19,999 Yes Yes Contact Info
Wentworth Institute of Technology MA Yes Yes Private (nonprofit) 1,000-4,999 Yes No Contact Info
Wentworth Military Academy & College MO Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Wesley College DE Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Wesleyan College GA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
West Virginia University WV Yes Yes Public 20,000 Yes Yes Contact Info
Western Illinois University IL Yes Yes Public 10,000-14,999 Yes Yes Contact Info
Western Kentucky University KY Yes Yes Public 20000 Yes Yes Contact Info
Western Michigan University MI Yes Yes Public 15,000-19,999 Yes Yes Contact Info
Western New England University MA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Western New England University MA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Western Oregon University OR Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Westminster College MO Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Westminster College UT Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Westmionster College PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Westmont College CA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Wheeling Jesuit University WV Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Wheelock College MA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Whitworth University WA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Widener University PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
William Paterson University NJ Yes Yes Public 5,000-9,999 Yes Yes Contact Info
William Peace University NC Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Wilson College PA Yes Yes Private (nonprofit) 1-1,000 Yes Yes Contact Info
Winthrop University SC Yes Yes Public 5,000-9,999 Yes Yes Contact Info
Wittenberg University OH Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Wright State University OH Yes Yes Public 10,000-14,999 Yes Yes Contact Info
Xavier University OH Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
York College of Pennsylvania PA Yes Yes Private (nonprofit) 1,000-4,999 Yes Yes Contact Info
Youngstown State University OH Yes Yes Public 10,000-14,999 Yes Yes Contact Info
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Top 10 Do’s and Don’ts of Private Scholarships

May 25, 2016
Top 10 Do's and Don'ts of Private Scholarships Private scholarships are more readily available for you than you may think, especially in your local community. This is the first of a three-part series on Private Scholarships which includes many of the tips I used to give to my own clients to help them win thousands […]

Top 10 Do's and Don'ts of Private Scholarships

Private scholarships are more readily available for you than you may think, especially in your local community. This is the first of a three-part series on Private Scholarships which includes many of the tips I used to give to my own clients to help them win thousands of dollars in local private scholarship contests. Maybe these tips can help your clients too!

Most college scholarships and grants are available through the Federal and State governments, which are ultimately controlled by the colleges themselves.

However, there are a few Private scholarships that are available through outside, private sources. These private scholarships are very competitive, and scholarship judges may spend just a few precious minutes or even seconds reviewing the scholarship application.

With such a finite amount of time to make a lasting impression on these important decision makers, it's crucial that the student makes the most of this opportunity. If not, the application may be on the fast track to the circular file.

Here are the Top 10 Scholarship Do's & Don’ts that you must know to increase your chances of winning a private scholarship:

The Do's

  • Search in your own community first. Your community is one of the biggest sources of scholarships. Find out about these kinds of awards by contacting your local chamber of commerce, community chest, Rotary, etc. and by reading your community newspaper, or searching the Yellow Pages under Foundations.
  • Choose quality over quantity. You'll need to prioritize which scholarships to apply for. Instead of trying to apply to as many scholarships as possible, try to apply to the scholarships that best fit your strengths, interests, and qualifications.
  • Understand the purpose of the scholarship. Scholarships may be designed to encourage students to enter a specific career field, to reward students who contribute to their communities or to help underserved students enter higher education. Use this information to guide how you write your scholarship application.
  • Follow the directions. Make sure you take the time to ensure every “i” is dotted and “t” is crossed. Include all the information and forms requested and answer every question.
  • Write an essay that demonstrates why you should win. The scholarship application gives the scholarship judges a sense of who you are and what's important to you. Think about what skills and qualities the scholarship judges seek and then describe how you match them.
  • Proofread. No matter how strong of an applicant you are, it would be difficult for a scholarship judge to overlook spelling or grammatical errors. Proofread your application and essays carefully, and have your editors do the same.
    Practice for interviews. Ask a friend or parent to do a mock interview with you to prepare for the real thing.
  • Ask your parents for help. Mom and Dad are capable of doing more than writing the tuition check. They can help you find scholarships, keep track of deadlines and give you feedback on your applications and essays.
  • Brag a little about yourself. You need to let your best self-shine through in your scholarship applications – don't be bashful about discussing your accomplishments.

The Don'ts

  • Don't overlook your high school guidance counselor. Helping students pay for college is not their job, but you can take advantage of the knowledge they've accumulated over the years.
  • Don't ignore the Internet. Use the many FREE scholarship searches available on the Internet to find more scholarships.
  • Don't ignore small awards. When there are scholarships worth tens of thousands of dollars, you might think you shouldn't bother with the “small potato” awards. The truth is that a $1,000 scholarship is $1,000 less that you will need to come up with for college.
  • Don't think that you have to be an academic or athletic superstar to win. There are scholarships based on leadership, art, music, theatre, community service and more.
  • Don't be a victim of a scholarship scam. Never pay for an online private scholarship search. You can find private scholarships on your own, and applying for these private scholarships should always be free.
  • Don't use the shotgun approach. Remember that all organizations that award scholarships have different selection criteria. This means that the same application won't work for all of them.
  • Don't forget to answer the question in your essay. There's a reason why the scholarship organizations provide the essay questions. They want to know your answer. An essay can be very well written, but if it doesn't answer the question asked, then it's not going to win.
  • Don't wait until the last minute. You may think that you do your best work on the day before the deadline at 3 a.m., but if you review your work you'll probably see that you don't. Take the pressure off, and allow yourself more time to complete an application.
  • Don't turn in an application that is incomplete. Scholarship organizations receive far more applicants than they can support. Don't give them a reason to take you out of the running for not having a complete application.
  • Don't think that it's impossible for you to win. Every student who has won a scholarship has thought this. And guess what? They won, and you can, too!
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College Leaves Financial Gap with Parents Holding the Ball

February 18, 2016
College leaves Financial gap with parents holding the ball A common practice that colleges use is not meeting the financial aid gap. So let’s say the Cost Of Attendance (COA) for one year at XYZ Private College is $60,000, let’s also assume the Expected Family Contribution (EFC) is $20,000. (The EFC is calculated through a […]

College leaves Financial gap with parents holding the ball

A common practice that colleges use is not meeting the financial aid gap.

So let’s say the Cost Of Attendance (COA) for one year at XYZ Private College is $60,000, let’s also assume the Expected Family Contribution (EFC) is $20,000. (The EFC is calculated through a federal calculator formula and is what the government thinks or Expects a family to pay for college. The EFC can be controlled/reduced, more on that in my class.) This leaves a Gap of $40,000. This unmet need is referred to as the gap.

Now the question is, of this $40,000 more that we need, how much of this will the college meet. While many colleges are uber rich with endowments in the $100s of millions and even billions of dollars, not all of them are equally generous leaving a much larger gap.

A financial aid gap occurs when a college’s financial aid award for a student doesn’t meet the Gapping became a verb as some colleges have earned a reputation for failing to meet student need, especially students admitted with qualifications placing them in the middle to bottom of the class. Students in the bottom quarter of a class in terms of qualification (grades and GPA, test scores and talent) are always at risk of being gapped with the exception of the most competitive institutions that meet 100% of need. The issue with the most competitive colleges is that unless the student has the grades/GPA and test scores, that student would not be admitted to those highly competitive colleges.

The financial aid gap is a serious concern because the student and family will be responsible for the unmet need in addition to the Expected Family Contribution (EFC). Usually, students with gaps will be unable to use federal loans to help cover the gap or the EFC because the college has assigned it to cover part of the defined financial need.

Often, students may not realize that they have been gapped because the financial aid award letter will have the amount covered by a PLUS loan. However, a PLUS loan is money borrowed by the parents and should not be considered part of the college’s financial aid award.

College rankings drives the selectivity of the college. Reverse the tables on the college and properly market, sell, and promote yourself (your student) to the college so that the college WANTS to admit you because they feel that your student will increase their rankings in one or more categories.

Discover how to Win at the College Admission and College Scholarship Game regardless of if Donald Trump, Bernie Sanders, Hillary Clinton, Ben Caron, Jeb Bush, Ted Cruz, Carly Fiorina or any other person is elected the next president. We can help. Choosing the right college is critical.

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Unintended Consequences of a Private Scholarship

February 14, 2016
Don't pan for gold in the wrong place! Before you and your student spend time and energy searching for that all powerful, all encompassing Private Scholarship, the FIRST thing you must do is find out what the college will do with the Private Scholarship funds. Will the college use the Private Scholarships to reduce the […]

Don't pan for gold in the wrong place!

goldminer

Before you and your student spend time and energy searching for that all powerful, all encompassing Private Scholarship, the FIRST thing you must do is find out what the college will do with the Private Scholarship funds.

Will the college use the Private Scholarships to reduce the loans offered to the student, or will the college reduce the Grants and School Endowment Scholarships keeping the parent’s cost the same?
The National Scholarship Providers Association (NSPA) sponsored a Private Scholarship Count that was published in 2005. The publication states (the) “Total private scholarship aid was between $3.1 billion and $3.3 billion in 2003-2004.” NSPA link http://www.scholarshipproviders.org/Documents/PrivateScholCount.pdf

While this number seems impressive, the publication then further states that "Approximately 7 percent of undergraduate students received private scholarships, with an average value of $1,982."

Two grand, $2,000 is way short of the cost of attendance even at a community college. Arizona State University’s Cost of Attendance for one year now tops $25,600 for in state students. There is little impact that the average $1,982 private scholarship would have at ASU in the grand scheme of things. As an example, from ASU’s endowments the in state Presidential Scholarship is $9,500. This is a bigger impact on the parent’s Net Cost.

There is more money and bigger scholarships granted from the college’s endowment funds to students that the college wants to entice the student to attend their college thereby reducing the cost of the college to not only the student but also the parent.

I have said it a hundred times and will say it a thousand more… the Best Scholarships and the Biggest Scholarships are scholarships given to the student through the college. This is achieved through Student Positioning and properly marketing the student to the right college.

See this article. http://swarthmorephoenix.com/2014/10/23/financial-aid/

Colleges absorb outside scholarships, parent contribution unchanged

By Daniel Banko on October 23, 2014

Three weeks ago, the Phoenix published an op-ed by Casey Simon-Plumb ’18 about Swarthmore’s financial aid policy. In her piece, Simon-Plumb wrote about her disappointment after discovering that outside scholarship awards are partially surrendered to the college as part of their financial aid package. She asked, “Why is my hard-earned scholarship money being absorbed into a mysterious fund and being allocated towards who knows what? The formal language in financial aid brochures only tell a person so much.”

According to the school’s financial aid brochure, since financial aid packages hypothetically meet a student’s demonstrated need, “any additional outside aid must replace a portion of our award to you.” It means that students at Swarthmore cannot apply their outside grant towards reducing Estimated Family Contribution, only to reducing student loans and work study.
Simon-Plumb was critical of this policy.

“Read the fine print. The first $500 of outside aid was all mine, along with 50 percent of the remaining outside scholarship amount … [That 50 percent] ‘replaces Swarthmore scholarship’ — the grant aid I was receiving — leaving the dollar total my family had to pay relatively the same.”

When asked for comments on the article via email, Laura Talbot, director of financial aid, refused to comment on the matter.
Other members of the Financial Aid office would not comment. As it stands, current financial aid policies offer little economic incentive for outside aid. Using outside aid to reduce student loans and work study is beneficial, but given the fact that the EFC is most often a student’s greatest source of debt, this policy means that outside scholarships are not as helpful as they could be.

When reached for comment, Gregory Brown, vice president for finance and administration, defended the policy.

“The college’s longstanding policy, which is consistent with our peer institutions in accordance with federal regulations, does not permit us to count outside awards as parental contributions. Doing so would be inappropriate since the student, not the parents, received the award, so the award is not part of the parents’ reported taxable income,” he wrote in an email.

Brown also mentioned Talbot’s upcoming retirement and the current search for a new director of financial aid.

“I hope that students will continue to share their experiences with us so that we can continually improve our service to students and their families. In particular, I would welcome student feedback and suggestions about the qualities that we should look for in our next director of financial aid,” he wrote.

At Amherst, Pomona, Williams, Brown, Duke, and Stanford, the financial aid policy regarding outside aid is the same as at Swarthmore. Outside aid cannot be used to reduce a student’s EFC.

Dartmouth college’s financial aid website states, “If the outside scholarship is greater than the self-help level, the family responsibility can be reduced to the federal level.” While it seems EFC for students at Dartmouth can be reduced by outside aid, the key phrase is “reduced to the federal level.” Outside aid can only reduce a family’s expected contribution at Dartmouth to the amount on the FAFSA form, which is often the same or closely related to the EFC that colleges calculate anyway.

In fact, the reason for this similarity between colleges regarding financial aid policy is due to a government mandate set by the Department of Education and outlined in their Federal Student Aid Handbook. Chapter three of the Handbook discusses the steps that college financial aid officers should take in the case of “overawards,” meaning when the total sum of a student’s aid exceeds his need.

When this happens, the handbook states that a college financial aid office only has one option: adjust the financial aid package awarded to the student, but do not adjust their EFC. In all circumstances, outside aid cannot be used to lower a student’s EFC.

Although the policy regarding outside aid is not unique to Swarthmore, students are often unaware when they head to college for the first time that their EFC, as shown on their financial aid package, is a fixed annual number that cannot be reduced by anything short of a dramatic decrease in family income. Outside scholarships they received in high school can do nothing to help alleviate a family’s financial burden of affording college.

So, J.D., what do we do?

You must learn how to Play the College Game, craft a great college candidate and resume, identify the right colleges for your student, properly sell/market/advertise your student to the college. We can help with this process. There is a college for Any Type of student. We can help you get into college and get the best scholarship package that you can.

The Truth Is Out There.

Please tell your friends about AZCollegePlanning.com and the free workshops that are coming up or call us today.

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What is the PSAT 10

February 11, 2016
What is the PSAT 10? The PSAT 10 is a practice SAT exam that debuted in the 2015-16 school year. It is aligned to the new SAT which meaning it has new SAT question types including evidence support questions on the reading. The scores will be on the same scale as the new SAT. The […]

What is the PSAT 10?

The PSAT 10 is a practice SAT exam that debuted in the 2015-16 school year. It is aligned to the new SAT which meaning it has new SAT question types including evidence support questions on the reading. The scores will be on the same scale as the new SAT.

The PSAT 10 does not qualify students for the National Merit competition, even if you get a really high score. It's just a practice test.

And one of the best ways to practice for the PSAT is to take the PSAT 10 in a live real setting. Then when you receive your score sheet, determine what areas need improvement then study those sections.

Before you take the PSAT 10 at a testing location try this sample practice PSAT 10 test

PSAT 10 Practice Test

PSAT 10 Practice Test with Answer Explanations

This test is offered in February or March. Ask your high school counselor about signing up for this test. Home school students, contact a local high school and ask to sign up for this test. High School Freshman and Sophomores should take this test.

Good luck and please let us know how you did. PLUS, remember to review our tips on how to Beat The Test!

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Redesigned PSAT 10 Sample Test

January 7, 2016
Links to the Redesigned PSAT 10 Sample Tests with Answers PSAT 10 Practice Test PSAT 10 Answers andEexplanations Review the SAT question of the day along with practice with sample tests can increase your scores. Also review Module 2. This video shows you how to Beat the Test using specific strategies to arrive at the […]

Links to the Redesigned PSAT 10 Sample Tests with Answers

  1. PSAT 10 Practice Test
  2. PSAT 10 Answers andEexplanations

Review the SAT question of the day along with practice with sample tests can increase your scores. Also review Module 2. This video shows you how to Beat the Test using specific strategies to arrive at the correct answer faster.

 

Let us know how you did.

Watch this video to see how easy these strategies can be applied to any test (PSAT, SAT, ACT and more).

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Obama’s impact of the Class of 2018 and beyond

October 27, 2015
A Chance to Boost Financial Aid for Today’s High-School Sophomores Wall Street Journal Article Strategic moves by Dec. 31 may help some families reduce the income to be reported on the Fafsa form for the freshman year of college A recent executive order changes the timeline for financial planning for a child’s college education. Here, […]

A Chance to Boost Financial Aid for Today’s High-School Sophomores

Wall Street Journal Article

Strategic moves by Dec. 31 may help some families reduce the income to be reported on the Fafsa form for the freshman year of college

A recent executive order changes the timeline for financial planning for a child’s college education. Here, a high-school graduation in Virginia in May. PHOTO: SCOTT MASON/THE WINCHESTER STAR/ASSOCIATED PRESS

By  VERONICA DAGHER

Attention, parents of high-school sophomores: There are financial steps you may want to take before year-end to help your child get more financial aid for the freshman year of college.

A recent executive order signed by President Barack Obama will change the rules for the Free Application for Federal Student Aid beginning with aid for the 2017-18 school year. Families will complete the form based on their “prior prior year” income instead of prior-year income as they do now.

That means that current high-school sophomores who graduate in 2018 will use 2016, not 2017, as the base year in reporting family and student income on their first Fafsa form. The government form is used in determining the amount of grants, loans and other forms of financial aid.

The upshot: If families were contemplating actions in 2016 that might boost their taxable income, they should consider accelerating those moves into 2015 instead. And they may want to look for other opportunities to shift 2016 income into this year and delay deductions—contrary to the standard tax-planning strategy of trying to delay income and accelerate deductions.

“You used to do this planning in a student’s junior year. Now you need to do it a year earlier,” says Mark Kantrowitz, a financial-aid expert in Las Vegas.

For example, he says parents of high-school sophomores who are considering converting a traditional individual retirement account to a Roth IRA, a move that boosts taxable income, may want to do it before year-end.

Deborah Fox, founder of Fox College Funding LLC in San Diego, advised the business-owning mother of one high-school sophomore to wait until 2016 to establish and contribute to a simplified employee pension plan. She also recommended the woman delay deductible computer purchases until next year and speed up her company’s billing so she receives as much income as possible in 2015.

Ms. Fox advised the family against prepaying their January mortgage and property-tax bills in December as they had planned. And she told the father to see if he can receive his bonus by Dec. 31 instead of in early January.

Before year-end, affected families may want to lock in any capital gains on investments they were planning to sell next year. Children who have investments with embedded capital gains in their own names—such as in a custodial account—should also consider selling before year-end to recognize the gains if the investments will be used for college, says Michael Kitces, partner at Pinnacle Advisory Group in Columbia, Md.

Families should check with their accountants to see how accelerating income or delaying deductions will affect their taxes, Ms. Fox says.

As of now, the base-year change applies only to the Fafsa and not the CSS/Financial Aid Profile, the financial-aid form almost 300 private colleges use to award their own funds. The College Board, which manages the CSS form, says it is “committed to supporting institutions as they make the transition” to prior-prior-year data and is “working closely with our members and leaders at colleges and universities to determine next steps for the CSS/Financial Aid Profile.”

Grandparents will also want to be aware of the change to prior-prior-year numbers on the Fafsa, Mr. Kitces says. When the change kicks in, it will enable them to make financial gifts to college students, including distributions from grandparent-owned 529 college-savings plans, earlier in the college years without those dollars being counted as student income on the Fafsa.

As of the second semester of these students’ sophomore year in college, the prior prior year for their third and fourth years of college will already be over.

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