3 Effective Ways to Slash College Cost

September 20, 2011
Student loan default can be alleviated by one simple statement. “Don’t take out any student loans.” and get more scholarships and grants. This may sound like an over simplified statement but the reality remains true. This can be accomplished by these three steps:

3 Effective Ways to Slash College Cost

By J.D. Wyczalek (why-zall-ick) founder of AZCollegePlanning.com
The economy, or lack of it, is in the news daily. The trickle down affect has even hit college campuses and college graduates. The increase in student loan defaults is on an alarming rise. In a Fox Business article it states “According to the Department of Education, 8.8% of all student-loan borrowers defaulted in the last fiscal year, which ended Sept. 30. This is up from 7% in the previous year.”

See the article here http://www.foxbusiness.com/personal-finance/2011/09/13/more-college-grads-defaulting-on-student-loans-filing-bankruptcy/
Student loan default can be alleviated by one simple statement. “Don’t take out any student loans.”
This may sound like an over simplified statement but the reality remains true. So the real question is how do we send our children to college without accumulating piles of student loans? This can be accomplished by these three steps:

  1. Find the right college. Identifying colleges can seem a daunting task. According to the National Center for Educational Statistics, a governmental website, there are 2,719 four-year colleges in the US. Not every college is created equally, some colleges are limping along and some have incredible financial resources at their disposal. For example, Grinnell College has $1.29 Billion dollars at their disposal. Colleges will use these funds to attract students by offering scholarships. Many selective and highly selective colleges have incredible financial resources. The key is getting the student admitted to these types of colleges, which leads me to the second point.
  2. Position the student. While this can be a vague term, the meaning of it is simple. Create a marketable student by examining the 5 categories colleges look for in a student and helping the student in each of these five categories. Of these five categories, the most important and the easiest to control is test scores. Students can learn secret test taking skills that can boost his or her scores. (See the resources tab on my website for further information). Students should maximize the correct extracurricular activities and experience to boost personal resumes.
  3. Arrange parental assets. The federal financial aid form and the institutional financial aid form view assets in a different light. Understanding how each form views income, assets, equity and retirement accounts is the key to getting additional aid. Some families have tried to move assets into a students’ name to minimize parental exposure. The ramifications of trying this failed strategy has left families wondering why it worked on their taxes but killed them from getting any financial aid.

AZCollegePlanning.com can handcrafted these three keys individually to each student which would maximize the amount of scholarships and grants that a student could receive and thereby minimize student loans. One of my clients posted on my Facebook page how excited they were. Mom says “2 years down at a private University and NO DEBT!” When this student graduates in 2 years, she will start her life without being saddled with the enormous burden of student loan debt. This can be done for your student as well.

Contact us today.

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How to get a perfect SAT and ACT test score in 7 easy steps

September 16, 2011
Follow this tips to achieve the perfect SAT and ACT score. What is a perfect SAT score, 2400. What is a perfect ACT score, 36.

The most significant factor in college admissions and
scholarships is the ACT/SAT score!

Many colleges award scholarships on ACT & SAT scores
alone… and many of these scores are within the reach of the above average
student… who is willing to do the work to raise his/her scores.

Watch this video.

How to get a perfect SAT and ACT test score in 7 easy steps

  1. Take both test once, get a base score, review the score and see which area needs improvement
  2. Pick up an official prep book and review 10 – 15 minutes every day
  3. Sign up on CollegeBoard.org for the SAT question of the day and review it every day.
  4. Review the ACT question of the day, every day
  5. Review the question of the day, before you click on the answer; ask yourself which of Dr. Beasley’s Secret Test Strategies will
    get you to the correct answer fastest. (Print out Dr. B.’s cheat sheet and review it when answering the question of the day.)
  6. Take the tests again, but this time for points.
  7. Practice and repeat, practice and repeat

Students who practice and apply Dr. Beasley’s Secret Test Taking
Strategies are more likely to increase scores and potentially earn a perfect
score.

Contact us for more info on Dr. B’s materials. Module 1 is available for free here.

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1

Tips on finding a summer job

June 1, 2011
1. Start looking now. Employers are already thinking about their upcoming summer staffing issues. One way to beat out at least some of the competition is to start your job search early rather than waiting for the school year to end. “Consider telling them, ‘I can work 10 hours a week now, and then I can ramp […]

1. Start looking now. Employers are already thinking about their upcoming summer staffing issues. One way to beat out at least some of the competition is to start your job search early rather than waiting for the school year to end. “Consider telling them, ‘I can work 10 hours a week now, and then I can ramp up my hours after school gets out.’

2. Get the word out about your job search. Begin actively telling people that you’re looking for a job. Think about all the adults in your life: your teachers, guidance counselors and coaches, your family doctor and veterinarian, your parents’ friends, your friends’ parents, and so on. This approach could turn you on to job prospects.

3. Plan for a repeat performance. The survey of more than 1,000 hiring managers revealed that 65 percent of their summer staffs will consist of returning workers. If you had a job last summer and you didn’t absolutely hate it, consider reapplying again this year. Your past employer will be interested in you because you’re already trained.

4. Be professional. Make sure that everything you include in your job application is spelled correctly and is free of grammatical errors. Don’t use all lowercase or all uppercase letters. Be sure the e-mail address you put down isn’t silly or distracting. The same holds true for the voice-mail prompt on your cell phone or home phone.

5. Do mock interviews in advance. A job interview can be a lot more stressful than you might think. To work out the jitters ahead of time, do a few practice interviews with someone other than a friend or parent.

6. Show some energy. Employers who bring teenagers on board say they appreciate their enthusiasm and eagerness to do whatever it takes to get a job done. Display those traits on your job interview — and on the job, as well.

7. Get appropriately gussied. Dress nicely for your job interview, as if you were about to attend a religious service. Do this even if the dress code for employees is casual. Absolutely remember to send a handwritten thank-you note after your interview — a step many adults routinely forget to take.

8. Play up your strengths. Many teens show a tendency to be hard on themselves and minimize their accomplishments. Remember that a job interview is not the place to beat yourself up. Instead, emphasize flattering details about yourself, such as being an honor-roll student, juggling extracurricular activities and volunteering in the community

Good Luck!

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Colleges with some seats still open as of May 2011

May 5, 2011
If you didn’t get in or you are a late start. There is still hope and some options. Here is a list of 309 Colleges that still have limited space. Just release May 5, 2011. Need help contact me! see the list here http://www.nacacnet.org/PublicationsResources/Research/SpaceAvailabiltySurvey/Pages/SpaceSurveyResults.aspx Institution Name State/Country Freshman Transfer Control Enroll. Fin. Aid Housing  Agnes Scott College GA Yes Yes Private 1-1,000 Yes Yes  Albertus Magnus college CT Yes Yes Private 1-1,000 Yes Yes  Albion College MI Limited Limited Private 1,000-4,999 Limited Limited  […]

If you didn’t get in or you are a late start. There is still hope and some options. Here is a list of 309 Colleges that still have limited space. Just release May 5, 2011. Need help contact me!

see the list here http://www.nacacnet.org/PublicationsResources/Research/SpaceAvailabiltySurvey/Pages/SpaceSurveyResults.aspx

Institution Name State/Country Freshman Transfer Control Enroll. Fin. Aid Housing 
Agnes Scott College GA Yes Yes Private 1-1,000 Yes Yes 

Albertus Magnus college CT Yes Yes Private 1-1,000 Yes Yes 

Albion College MI Limited Limited Private 1,000-4,999 Limited Limited 

Albright College PA Yes Yes Private 1,000-4,999 Yes Yes 

Alfred University NY Yes Yes Private 1,000-4,999 Yes Yes 

Allegheny College PA Limited Yes Private 1,000-4,999 Yes Yes 

Alverno College WI Yes Yes Private 1,000-4,999 Yes Yes 

Aquinas College MI Yes Yes Private 1,000-4,999 Yes Yes 

Aquinas College TN Yes Yes Private 1-1,000 Yes No 

Arizona Christian University AZ Yes Yes Private 1-1,000 Yes Yes 

Arizona State University AZ Yes Yes Public 20,000+ Yes Yes 

Assumption College MA No Limited Private 1,000-4,999 Limited Limited 

Augustana College SD Yes Yes Private 1,000-4,999 Yes Yes 

Augustana College IL Yes Yes Private 1,000-4,999 Limited Limited 

Avila University MO Yes Yes Private 1-1,000 Yes Yes 

Baldwin-Wallace College OH Yes Yes Private 1,000-4,999 Yes Yes 

Becker College MA Yes Yes Private 1,000-4,999 Yes Yes 

Belhaven Uninversity MS Yes Yes Private 1,000-4,999 Yes Yes 

Bellarmine University KY Yes Yes Private 1,000-4,999 Yes Yes 

Benjamin Franklin Institute of Technology MA Yes Yes Private 1-1,000 Yes Yes 

Berry College GA Yes Yes Private 1,000-4,999 Yes Yes 

Bluffton University OH Yes Yes Private 1,000-4,999 Yes Yes 

Boise State University ID Limited Limited Public 15,000-19,999 Yes Limited 

Brenau University GA Yes Yes Private 1-1,000 Yes Yes 

Brescia University KY Yes Yes Private 1-1,000 Yes Yes 

Bryn Athyn College PA Yes Yes Private 1-1,000 Yes Yes 

Buffalo State College (SUNY) NY Yes Yes Public 10,000-14,999 Yes Yes 

C.W. Post Campus of Long Island University NY Yes Yes Private 5,000-9,999 Yes Yes 

Caldwell College NJ Yes Yes Private 1,000-4,999 Yes Yes 

California Baptist University CA Yes Yes Private 1,000-4,999 Yes Yes 

California College of the Arts CA Yes Yes Private 1,000-4,999 Yes Limited 

Capital University OH Yes Yes Private 1,000-4,999 Yes Yes 

Carroll College MT Yes Yes Private 1,000-4,999 Yes Yes 

Carroll University WI Yes Yes Private 1,000-4,999 Yes Yes 

Carson-Newman College TN Yes Yes Private 1,000-4,999 Yes Yes 

Cazenovia College NY Yes Limited Private 1-1,000 Yes Yes 

Cedar Crest College PA Yes Yes Private 1-1,000 Yes Yes 

Centenary College of Louisiana LA Yes Yes Private 1-1,000 Yes Yes 

Centre College KY No Limited Private 1,000-4,999 Limited Limited 

Chapman University CA No Limited Private 5,000-9,999 Limited Limited 

Charleston Southern University SC Yes Yes Private 1,000-4,999 Yes Yes 

Chatham University PA Yes Yes Private 1,000-4,999 Yes Yes 

Chester College of New England NH Yes Yes Private 1-1,000 Yes Yes 

Christian Brothers University TN Limited Yes Private 1,000-4,999 Yes Yes 

Clarion University of Pennsylvania PA Yes Yes Public 5,000-9,999 Yes Yes 

Coastal Carolina University SC No Yes Public 5,000-9,999 Yes Limited 

Coe College IA Limited Limited Private 1,000-4,999 Limited Limited 

College of Saint Mary NE Yes Limited Private 1,000-4,999 Yes Yes 

College of St. Joseph VT Yes Yes Private 1-1,000 Yes Yes 

College of Staten Island NY Limited Yes Public 10,000-14,999 Yes No 

College of the Atlantic ME Limited Limited Private 1-1,000 Limited Limited 

Colorado State University CO Limited Yes Public 20,000+ Limited Limited 

Colorado State University-Pueblo CO Yes Yes Public 5,000-9,999 Yes Yes 

Columbia College MO Yes Yes Private 1,000-4,999 Yes Yes 

Columbia College Chicago IL Yes Yes Private 10,000-14,999 Limited Yes 

Concordia College-New York NY Yes Yes Private 1-1,000 Yes Yes 

Concordia University Texas TX Yes Yes Private 1-1,000 Yes Limited 

CUNY Hunter College NY Limited Limited Public 15,000-19,999 Yes No 

Curry College MA Yes Yes Private 1,000-4,999 Yes Yes 

Dallas Baptist University TX Yes Yes Private 5,000-9,999 Limited Limited 

Dean College MA Yes Yes Private 1-1,000 Yes Yes 

Defiance College OH Yes Yes Private 1,000-4,999 Yes Yes 

Doane College NE Yes Yes Private 1,000-4,999 Yes Yes 

Dominican University  IL Yes Yes Private 1,000-4,999 Yes Yes 

Drew University NJ Yes Yes Private 1,000-4,999 Yes Limited 

Eastern Illinois University IL Yes Yes Public 10,000-14,999 Yes Yes 

Eastern University PA Yes Yes Private 1,000-4,999 Yes Yes 

Eckerd College FL Limited Yes Private 1,000-4,999 Limited Limited 

Edgewood College WI Yes Yes Private 1,000-4,999 Yes Limited 

Elizabeth City State University NC Yes Yes Public 1,000-4,999 Yes Yes 

Elizabethtown College PA Yes Yes Private 1,000-4,999 Yes Yes 

Elmhurst College IL Limited Yes Private 1,000-4,999 Yes Limited 

Elmira College NY Limited Limited Private 1,000-4,999 Limited Limited 

Elms College MA Limited Limited Private 1-1,000 Yes Limited 

Emmanuel College MA No Limited Private 1,000-4,999 Yes Limited 

Eureka College IL Yes Yes Private 1-1,000 Yes Yes 

Fairleigh Dickinson University NJ Yes Yes Private 5,000-9,999 Yes Limited 

Fairmont State University/Pierpont Community & Technical College WV Yes Yes Public 5,000-9,999 Yes Limited 

Felician College NJ Yes Yes Private 1,000-4,999 Yes Yes 

Ferris State University MI Yes Yes Public 10,000-14,999 Yes Yes 

Ferrum College VA Yes Yes Private 1,000-4,999 Yes Yes 

Flagler College FL Limited Limited Private 1,000-4,999 Yes Limited 

Florida Gulf Coast University FL Limited Yes Public 10,000-14,999 Yes Yes 

Florida Institute of Technology FL Yes Yes Private 1,000-4,999 Yes Yes 

Florida Southern College FL Limited Yes Private 1,000-4,999 Yes Yes 

Framingham State University MA Limited Limited Public 5,000-9,999 Limited Limited 

Franklin College Switzerland Switzerland Yes Yes Private 1-1,000 Yes Yes 

Franklin Pierce University NH Yes Yes Private 1,000-4,999 Yes Yes 

Frostburg State University MD Yes Yes Public 5,000-9,999 Yes Yes 

George Fox University OR Limited Limited Private 1,000-4,999 Limited Limited 

Georgia Southern University GA No Yes Public 15,000-19,999 Yes Limited 

Gordon College MA Yes Yes Private 1,000-4,999 Yes Yes 

Grace College IN Limited Yes Private 1,000-4,999 Limited Limited 

Graceland University IA Yes Yes Private 1-1,000 Yes Yes 

Green Mountain College VT Yes Yes Private 1-1,000 Yes Yes 

Greenville College IL Yes Yes Private 1,000-4,999 Yes Yes 

Hanover College IN Yes Yes Private 1,000-4,999 Yes Limited 

Hawaii Pacific University HI Yes Yes Private 1,000-4,999 Yes Limited 

Hendrix College AR Limited Limited Private 1,000-4,999 Limited Limited 

Hilbert College NY Limited Yes Private 1,000-4,999 Yes Limited 

Hofstra University NY Yes Yes Private 5,000-9,999 Yes Yes 

Holy Cross College IN Yes Yes Private 1-1,000 Yes Yes 

Holy Family University PA Yes Yes Private 1,000-4,999 Yes Yes 

Holy Names University CA Yes Yes Private 1,000-4,999 Yes Yes 

Hood College MD Limited Yes Private 1,000-4,999 Limited Limited 

Howard Payne University TX Yes Yes Private 1,000-4,999 Yes Yes 

Husson University ME Yes Yes Private 1,000-4,999 Yes Limited 

Illinois College IL Limited Limited Private 1-1,000 Yes Limited 

Immaculata University PA Yes Yes Private 1,000-4,999 Yes Yes 

Indiana University Purdue University Indianapolis IN Yes Yes Public 20,000+ Yes Yes 

Indiana University Southeast IN Yes Yes Public 5,000-9,999 Yes Limited 

Iowa Wesleyan College IA Yes Yes Private 1-1,000 Yes Yes 

Jacksonville University FL Yes Yes Private 1,000-4,999 Limited Yes 

Jacobs University Bremen Germany Yes Yes Private 1-1,000 Yes Yes 

John Brown University AR Yes Yes Private 1,000-4,999 Limited Limited 

John Cabot University Italy Yes Yes Private 1-1,000 Yes Yes 

Keene State College  NH Yes Yes Public 5,000-9,999 Yes Yes 

Kettering University  MI Yes Yes Private 1,000-4,999 Yes Yes 

Keystone College PA Yes Yes Private 1,000-4,999 Yes Yes 

King College TN Yes Yes Private 1,000-4,999 Yes Yes 

Knox College IL Limited Yes Private 1,000-4,999 Yes Yes 

Kutztown University PA Yes Yes Public 10,000-14,999 Yes Limited 

La Salle University PA Limited Yes Private 1,000-4,999 Yes Yes 

Lebanon Valley College PA Limited Limited Private 1,000-4,999 Limited Limited 

Lesley College MA Yes Yes Private 1,000-4,999 Yes Limited 

Lincoln Christian University IL Yes Yes Private 1-1,000 Yes Yes 

Linfield College OR Yes Yes Private 1,000-4,999 Yes Yes 

Long Island University Brooklyn Campus NY Yes Yes Private 5,000-9,999 Yes Yes 

Marist College NY No Limited Private 1,000-4,999 Limited No 

Marlboro College VT Yes Yes Private 1-1,000 Yes Yes 

Marquette University WI Limited Yes Private 10,000-14,999 Limited Limited 

Marshall University WV Yes Yes Public 10,000-14,999 Yes Yes 

Mary Baldwin College VA Yes Yes Private 1-1,000 Yes Yes 

Marymount Manhattan College NY Yes Yes Private 1,000-4,999 Yes Yes 

Maryville University of St. Louis MO Yes Yes Private 1,000-4,999 Yes Yes 

Marywood University PA Yes Yes Private 1,000-4,999 Yes Yes 

Massachusetts College of Art and Design MA Yes Limited Public 1,000-4,999 Yes Limited 

Mayville State University ND Yes Yes Public 1-1,000 Yes Yes 

Mayville State University ND Yes Yes Public 1-1,000 Yes Yes 

Menlo College CA Yes Yes Private 1-1,000 Yes Yes 

Michigan Technological University MI Yes Yes Public 5,000-9,999 Yes Yes 

Midwestern State University TX Yes Yes Public 5,000-9,999 Yes Yes 

Mills College CA Yes Yes Private 1-1,000 Limited Yes 

Milwaukee Institute of Art & Design WI Limited Limited Private 1-1,000 Yes Limited 

Milwaukee School of Engineering WI Yes Yes Private 1,000-4,999 Yes Yes 

Minot State University ND Yes Limited Public 1,000-4,999 Limited Limited 

Missouri State University MO Yes Yes Public 20,000+ Yes Yes 

Mitchell College CT Yes Yes Private 1-1,000 Yes Yes 

Montreat College NC Yes Yes Private 1-1,000 Yes Yes 

Moore College of Art & Design PA Yes Yes Private 1-1,000 Yes Yes 

Morehouse College GA Yes Limited Private 1,000-4,999 Yes Yes 

Morgan State University MD Yes Yes Public 5,000-9,999 Yes Yes 

Mount Ida College MA Yes Yes Private 1,000-4,999 Yes Yes 

Mount Olive College NC Yes Yes Private 5,000-9,999 Yes Yes 

Muskingum University OH Yes Yes Private 1,000-4,999 Yes Yes 

Naropa University CO Yes Yes Private 1-1,000 Yes Yes 

Neumann University PA Yes Yes Private 1,000-4,999 Yes Limited 

New College of Florida FL Yes Yes Public 1-1,000 Yes Yes 

New England College NH Yes Yes Private 1-1,000 Yes Yes 

New Mexico Institute of Mining and Technology NM Yes Yes Public 1,000-4,999 Yes Limited 

Newbury College MA Limited Yes Private 1,000-4,999 Limited Limited 

NIAGARA UNINVERSITY NY Yes Yes Private 1,000-4,999 Yes Yes 

Nichols College MA Yes Yes Private 1,000-4,999 Yes Limited 

NJIT NJ Limited Yes Public 5,000-9,999 Yes Limited 

North Carolina A&T State University NC Yes Yes Public 10,000-14,999 Yes Yes 

North Central College IL Limited Yes Private 1,000-4,999 Yes Limited 

North Dakota State University ND Yes Yes Public 10,000-14,999 Yes Yes 

North Park University IL Limited Limited Private 1,000-4,999 Yes Limited 

Northern Michigan University MI Yes Yes Public 5,000-9,999 Yes Yes 

Northwest Missouri State University MO Yes Yes Public 5,000-9,999 Yes Yes 

Notre Dame de Namur University CA Yes Yes Private 1,000-4,999 Yes Yes 

NYU Poly NY Yes Yes Private 1,000-4,999 Yes Yes 

Oglethorpe University GA Yes Yes Private 1,000-4,999 Yes Yes 

Ohio Northern University OH Limited Yes Private 1,000-4,999 Yes Yes 

Oregon State University OR Yes Yes Public 20,000+ Limited Yes 

Otis College of Art and Design CA Yes Yes Private 1,000-4,999 Yes Limited 

Pace University NY Limited Yes Private 10,000-14,999 Yes Limited 

Pacific Lutheran University WA Yes Yes Private 1,000-4,999 Yes Yes 

Pacific University Oregon OR Yes Yes Private 1,000-4,999 Yes Yes 

Park University MO Yes Yes Private 1,000-4,999 Yes Yes 

Pfeiffer University NC Yes Yes Private 1-1,000 Yes Yes 

Philadelphia Biblical University PA Yes Yes Private 1-1,000 Yes Yes 

Philadelphia University  PA Limited Yes Private 1,000-4,999 Yes Yes 

Piedmont College GA Yes Yes Private 1,000-4,999 Yes Yes 

Pine Manor College MA Yes Yes Private 1-1,000 Yes Yes 

Portland State University OR Yes Yes Public 20,000+ Yes Yes 

Principia College IL Yes Yes Private 1-1,000 Yes Yes 

Queens University of Charlotte NC Yes Yes Private 1,000-4,999 Yes Yes 

Quest University Canada Canada Yes Yes Private 1-1,000 Yes Yes 

Quincy University  IL Yes Yes Private 1,000-4,999 Yes Yes 

Radford University VA Limited Yes Public 5,000-9,999 Limited Limited 

Randolph College VA Yes Yes Private 1-1,000 Yes Yes 

Reed College OR No No Private 1,000-4,999 No No 

Regis College MA Yes Yes Private 1,000-4,999 Yes Yes 

Richmond, The American International University in London United Kingdom Yes Yes Private 1-1,000 Limited Limited 

Rider University NJ Yes Yes Private 1,000-4,999 Yes Yes 

Ringling College of Art and Design FL Limited Limited Private 1,000-4,999 Limited Limited 

Ripon College WI Yes Yes Private 1,000-4,999 Limited Limited 

Rivier College NH Yes Yes Private 1,000-4,999 Yes Yes 

Roanoke College VA Limited Yes Private 1,000-4,999 Limited Limited 

Robert Morris University PA Yes Yes Private 1,000-4,999 Yes Limited 

Robert Morris University IL Limited Yes Private 5,000-9,999 Yes Limited 

Rockford College IL Yes Yes Private 1,000-4,999 Yes Yes 

Saint Joseph College CT Yes Yes Private 1-1,000 Yes Limited 

Saint Joseph's University PA Yes Yes Private 1,000-4,999 Yes Yes 

Saint Leo University FL Yes Yes Private 1,000-4,999 Yes Limited 

Saint Michael's College VT No Yes Private 1,000-4,999 Yes Yes 

Saint Peter's College NJ Yes Yes Private 1,000-4,999 Yes Yes 

Saint Vincent College PA Limited Yes Private 1,000-4,999 Yes Yes 

Saint Xavier University IL Yes Yes Private 5,000-9,999 Yes Yes 

Salve Regina University RI No Limited Private 1,000-4,999 Limited Limited 

Savannah College of Art and Design GA Yes Yes Private 10,000-14,999 Yes Yes 

Schreiner University TX Yes Yes Private 1,000-4,999 Limited Limited 

Shenandoah University VA Yes Yes Private 1,000-4,999 Yes Yes 

Shimer College IL Yes Yes Private 1-1,000 Yes Yes 

Sierra Nevada College NV Yes Yes Private 1-1,000 Yes Yes 

Southern Illinois University Carbondale IL Yes Yes Public 20,000+ Limited Limited 

Southern Illinois University Edwardsville IL Limited Yes Public 10,000-14,999 Limited Limited 

Southern Methodist University TX No Yes Private 10,000-14,999 Limited No 

Southern Vermont College VT Yes Yes Private 1-1,000 Yes Yes 

Southwestern University TX Yes Yes Private 1,000-4,999 Yes Yes 

Spring Hill College AL Yes Yes Private 1,000-4,999 Yes Yes 

Springfield College MA Yes Yes Private 1,000-4,999 Yes Yes 

St. Andrews Prebyterian College NC Yes Yes Private 1-1,000 Yes Yes 

St. Bonaventure University NY Yes Yes Private 1,000-4,999 Limited Limited 

St. Catherine University MN Yes Yes Private 5,000-9,999 Yes Limited 

St. John's College MD Yes Yes Private 1-1,000 Yes Yes 

St. John's University NY Yes Yes Private 10,000-14,999 Yes Yes 

St. Joseph's College Long Island campus NY Yes Yes Private 5,000-9,999 Yes No 

St. Thomas Aquinas College NY Yes Yes Private 1,000-4,999 Yes Yes 

St. Thomas University (Fredericton, New Brunswick, Canada) Canada Yes Yes Public 1,000-4,999 Limited Yes 

Stephen F. Austin State Univeristy TX Yes Yes Public 10,000-14,999 Yes Yes 

Stephens College MO Yes Yes Private 1-1,000 Yes Yes 

Sterling College VT Yes Yes Private 1-1,000 Yes Yes 

Stevenson University MD Yes Yes Private 1,000-4,999 Limited Yes 

SUNY Plattsurgh NY Limited Yes Public 5,000-9,999 Limited Limited 

Susquehanna University PA Limited Limited Private 1,000-4,999 Limited Limited 

Texas A&M University-Commerce TX Yes Yes Public 10,000-14,999 Yes Yes 

Texas Wesleyan University TX Yes Yes Private 1,000-4,999 Yes Yes 

The American University of Rome Italy Yes Yes Private 1-1,000 Yes Yes 

The College at Brockport  NY Yes Yes Public 5,000-9,999 Yes Yes 

The College of Idaho ID Limited Yes Private 1-1,000 Yes Yes 

The University of Arizona AZ Limited Yes Public 20,000+ Limited Limited 

The University of Scranton PA Limited Yes Private 1,000-4,999 Limited Limited 

The University of Tampa FL No Limited Private 5,000-9,999 Limited No 

Trine University IN Yes Yes Private 1,000-4,999 Yes Yes 

Trinity Christian College IL Yes Yes Private 1,000-4,999 Yes Yes 

Trinity Washington University DC Yes Yes Private 1,000-4,999 Yes Yes 

Truman State University MO Yes Yes Public 5,000-9,999 Yes Yes 

UMBC - University of Maryland, Baltimore County MD Limited Limited Public 5,000-9,999 Limited Limited 

University of Alabama in Huntsville AL Yes Yes Public 5,000-9,999 Yes Yes 

University of Alberta Canada Yes Yes Public 20,000+ Yes Limited 

University of Arkansas at Little Rock AR Yes Yes Public 10,000-14,999 Yes Yes 

University of British Columbia-Okanagan Campus Canada Yes Yes Public 5,000-9,999 Limited Limited 

University of Colorado Denver CO Yes Yes Public 10,000-14,999 Yes Yes 

University of Dayton OH No Yes Private 5,000-9,999 Limited Limited 

University of Detroit Mercy MI Yes Yes Private 5,000-9,999 Yes Yes 

University of Hartford CT Yes Yes Private 1,000-4,999 Yes Yes 

University of Iowa IA No Limited Public 20,000+ Limited Limited 

University of Maine at Farmington ME Yes Yes Public 1,000-4,999 Yes Yes 

University of Maine at Fort Kent ME Yes Yes Public 1-1,000 Yes Yes 

University of Maine at Machias ME Yes Yes Public 1-1,000 Yes Yes 

University of Mary Washington VA Limited Limited Public 1,000-4,999 Limited Limited 

University of Maryland College Park MD No Limited Public 1,000-4,999 Limited Limited 

University of Massachusetts Lowell MA Limited Yes Public 5,000-9,999 Limited Limited 

University of Michigan-Dearborn MI Yes Yes Public 5,000-9,999 Yes No 

University of Michigan-Flint MI Yes Yes Public 5,000-9,999 Yes Yes 

University of Minnesota Duluth MN Yes Yes Public 10,000-14,999 Yes Yes 

University of Minnesota, Crookston  MN Yes Yes Public 1,000-4,999 Yes Limited 

University of Montevallo AL Yes Yes Public 1,000-4,999 Yes Limited 

University of Nevada, Reno NV Yes Yes Public 15,000-19,999 Yes Yes 

University of North Carolina at Pembroke NC Yes Yes Public 5,000-9,999 Yes Yes 

University of Northern Colorado CO Yes Yes Public 10,000-14,999 Yes Yes 

University of Saskatchewan Canada Limited Limited Public 15,000-19,999 Limited Limited 

University of South Carolina - Columbia SC No Limited Public 20,000+ Limited No 

University of Southern Maine ME Yes Yes Public 5,000-9,999 Limited Limited 

University of St Andrews United Kingdom Yes No Public 5,000-9,999 Limited Yes 

University of St. Francis IL Yes Yes Private 1,000-4,999 Yes Yes 

University of Texas at Dallas TX Yes Yes Public 15,000-19,999 Yes Yes 

University of Utah UT Yes Yes Public 20,000+ Limited Limited 

University of Vermont VT Limited Yes Public 10,000-14,999 Limited Yes 

University of Victoria Canada Yes Yes Public 15,000-19,999 Limited Yes 

University of Washington Tacoma WA Yes Yes Public 1,000-4,999 Yes Yes 

Utica College NY Limited Yes Private 1,000-4,999 Yes Yes 

UW-Stout WI Limited Yes Public 5,000-9,999 Yes Yes 

Valparaiso University IN Yes Limited Private 1,000-4,999 Yes Yes 

Vanguard University CA Yes Yes Private 1,000-4,999 Yes Yes 

Warner Pacific College OR Yes Yes Private 1,000-4,999 Yes Limited 

Warren Wilson College NC Limited Yes Private 1-1,000 Yes Yes 

Wartburg College IA Yes Yes Private 1,000-4,999 Yes Yes 

Watkins College of Art, Design & Film TN Yes Yes Private 1-1,000 Limited Limited 

Waynesburg Universtiy PA Yes Yes Private 1,000-4,999 Yes Yes 

Wentworth Institute of Technology MA Yes Yes Private 1,000-4,999 Yes Yes 

West Virginia University WV Yes Yes Public 20,000+ Limited Limited 

Western New England College MA Yes Yes Private 1,000-4,999 Yes Yes 

Westminster College MO Yes Yes Private 1,000-4,999 Yes Yes 

Westminster College (Utah) UT Limited Yes Private 1,000-4,999 Yes Limited 

Wheaton College MA No Yes Private 1,000-4,999 Yes Limited 

Wheeling Jesuit University WV Yes Yes Private 1,000-4,999 Yes Yes 

Whitman College WA No Limited Private 1,000-4,999 No No 

Whitworth University WA Yes Yes Private 1,000-4,999 Yes Limited 

William Jessup University CA Yes Yes Private 1-1,000 Yes Yes 

William Paterson University  NJ Yes Yes Public 10,000-14,999 Yes Yes 

Wilson College PA Yes Yes Private 1-1,000 Yes Yes 

Worcester State University MA Yes Yes Public 1,000-4,999 Limited No 

Xavier University OH Yes Yes Private 5,000-9,999 Yes Limited 

York College of Pennsylvania PA Limited Limited Private 1,000-4,999 Limited Limited 

York St John University United Kingdom Yes Yes Public 5,000-9,999 Yes Yes 

Youngstown State University OH Yes Yes Public 15,000-19,999 Yes Yes

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U Can Help

March 3, 2011
You should be aware that the University of Arizona had just implemented the use of the CSS Profile financial aid form. UA is currently testing to see if it makes a positive financial impact on their university. If everything goes well, then (and this is my prediction) all three state schools will begin using this […]

You should be aware that the University of Arizona had just implemented the use of the CSS Profile financial aid form.

UA is currently testing to see if it makes a positive financial impact on their university. If everything goes well, then (and this is my prediction) all three state schools will begin using this financial aid form.

Why does this matter? The CSS Profile is a customizable form. This means that UA (or any college that uses this form) can tailor the form to ask ANY question that they desire.

AND they will ask specific poignant questions about your financial situation.

As ridiculous as this may seem, if a college determines that they can give out less financial aid by asking if you have a vegetable garden in the back yard, they will.

Some colleges have used the CSS Profile to ask about the family’s vehicle and automobiles. Does it matter that one family drives a specific vehicle brand? And why should it matter and why should it affect my student’s aid eligibility?

Can You Help? – YES –

1. Let’s send a collective message to U of A to stop using the CSS Profile. Join this page. And let’s keep college affordable for all including the middle class families. http://www.facebook.com/#!/pages/University-of-Arizona-Stop-the-CSS-Profile/203103619705512

2. Tell others now.

3. If you are required to submit this form, (not everyone is required at this point) please let me know. I am taking a poll. You can do this by leaving feedback on the Facebook page or emailing me.

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Harvard Announces Return of Early Action Admissions Program

March 1, 2011
UPDATE: Harvard Announces Return of Early Action Admissions Program Princeton joins Harvard in reinstating early admissions By Gautam S. Kumar, Justin C. Worland , and Julie M. Zauzmer, CRIMSON STAFF WRITERS Published: Thursday, February 24, 2011 23 Comment Email Print Updated 2:10 p.m. | Harvard announced today that its non-binding early action admissions program will […]

UPDATE: Harvard Announces Return of Early Action Admissions Program
Princeton joins Harvard in reinstating early admissions

By Gautam S. Kumar, Justin C. Worland , and Julie M. Zauzmer, CRIMSON STAFF WRITERS
Published: Thursday, February 24, 2011
23 Comment Email Print Updated 2:10 p.m. | Harvard announced today that its non-binding early action admissions program will return this fall for the Class of 2016.

The program, which was eliminated in 2007 due to concerns that it posed a disadvantage to low-income applicants, will prohibit students from applying early to other schools, while being non-binding.

In a statement, Dean of the Faculty of Arts and Sciences Michael D. Smith said that offering an accelerated decision cycle for interested applicants will increase Harvard’s potential to attract top-caliber students.

“We looked carefully at trends in Harvard admissions these past years and saw that many highly talented students, including some of the best-prepared low-income and underrepresented minority students, were choosing programs with an early-action option, and therefore were missing out on the opportunity to consider Harvard,” he said.

In 2006, Harvard University, Princeton University, and the University of Virginia made headlines by announcing within weeks of each other that early admissions practices at their schools would end.

Less than two hours after Harvard revealed its plan to resume early admissions this morning, Princeton also announced its plans to restore the early admissions program. Princeton President Shirley M. Tilghman said in a statement that she believed that bringing back an early program would allow her school to better recruit underrepresented groups.

"By reinstating an early program, we hope we can achieve two goals: provide opportunities for early application for students who know that Princeton is their first choice, while at the same time sustaining and even enhancing the progress we have made in recent years in diversifying our applicant pool," she said in the statement.

The University of Virginia had already rolled out an early action program this past November.

Harvard President Drew G. Faust said in a statement that the return of early action is now “consistent with our bedrock commitment to access, affordability, and excellence.”

Harvard has been reevaluating its decision to move to a single admissions cycle since early this academic year. In November, Dean of Admissions and Financial Aid William R. Fitzsimmons ’67 said in an interview with The Crimson that he did not expect any changes to the current program, but he added that "we’re a dynamic institution.”

While in 2006 Fitzsimmons heralded the single admissions notification date as “a win for students in the bottom quarter and bottom half of the income distribution,” earlier this month, he classified the move as an “experiment.”

When the College first removed early action admissions, then-Interim University President Derek C. Bok criticized the early round.

"We feel that if anybody is going to step up and take the lead to try to get rid of something which is really doing more harm than good in high schools across the country, it’s us,” Bok had said.

Harvard also said that it will add other recruiting programs in order to encourage greater transparency in college admissions and increase undergraduate involvement in the Harvard Financial Aid Initiative, the Undergraduate Minority Recruitment Program, and “Return to High School Program”—existing endeavors which aim to heighten interest in Harvard among students of diverse backgrounds.

 original article here

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U of A still moves forward with CSS Profile

February 25, 2011
U of A still moves forward with CSS Profile. They did update the website and correct all the typos and spelling and grammatical errors. Join the march and send a message to University of Arizona to make college affordable and stop using the CSS Profile. Join the Facebook page here http://www.facebook.com/?ref=home#!/pages/University-of-Arizona-Stop-the-CSS-Profile/203103619705512    Send article as […]

U of A still moves forward with CSS Profile.

They did update the website and correct all the typos and spelling and grammatical errors.

Join the march and send a message to University of Arizona to make college affordable and stop using the CSS Profile. Join the Facebook page here http://www.facebook.com/?ref=home#!/pages/University-of-Arizona-Stop-the-CSS-Profile/203103619705512

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U of A bait and switch or do they really want to help families

February 25, 2011
Phoenix – The University of Arizona in Tucson has hastily made a switch to include the CSS Profile financial aid form in addition to the FAFSA for some of its incoming freshman class. The website for the University of Arizona at https://financialaid.arizona.edu/IMpolicy has the details. However, the hasty decision to add this additional burdensome form […]

Phoenix – The University of Arizona in Tucson has hastily made a switch to include the CSS Profile financial aid form in addition to the FAFSA for some of its incoming freshman class.

The website for the University of Arizona at https://financialaid.arizona.edu/IMpolicy has the details. However, the hasty decision to add this additional burdensome form has left some students scrambling at the last minute.

The decision to add this additional cumbersome financial aid form leaves much to be desired. Not only was the decision hasty but the proof lies on the website with grammatical and spelling errors. The first sentence on this web page reads “Thge University of Arizona (UA) remains committed to ensuring that every student who qualifies for institutional aid receives it.”

Spelling and grammar aside, this first sentence sounds like the college really wants to help out students; however that is far from the fact especially for divorced families.

The FAFSA form accounts financial numbers from ONE household. Meaning if the family is divorced or legally separated then only one household income is counted in determining financial aid.

According to U of A’s website, in addition to the CSS Profile the supplemental Non Custodial form must be included. Here is the actual text including errors “The PROFILE, inculding the Noncustodial PROFILE (NCP) for those students who have a noncustodial parent, must be submitted by 3/31/2011.”

This means that divorced families must now report both parents’ incomes in determining aid. To make matters worse, if the divorced parent marries, then the step parent(s) income and assets are included and will inflate costs resulting in lost financial aid eligibility.

Typically colleges that use the CSS Profile are highly selective and Ivy League colleges. Is the University of Arizona trying to position themselves as a highly selective or align themselves to be the next Ivy college or are they just out to suck the last nickel and dime from unsuspecting students and parents?

This is contrary to President Obama’s State of the Union speech in which he urged colleges to remain affordable.

Currently the single biggest accumulation of debt for families is in the consumer student loan market. Placing this unneeded burden of excessive student loan debt on new college graduates makes it difficult to climb out of this seemingly bottomless pit.

This is just one more blow to students as the cost of a college degree gets pushed into the stratosphere. The final straw that breaks the camel’s wallet is, there’s an additional fee to file the CSS Profile while the FAFSA remains free.

Parents and students need to be educated on these pitfalls and the bait and switch that some colleges are attempting as they look to extract as many dollars as possible resulting in increase their over bloated college endowment funds.

The questions on the CSS Profile dive much deeper into a families’ financial pocket. This form may ask for the value of a families’ primary home equity, the value of their 401k, IRA and other retirement accounts. Some colleges that use the CSS Profile ask about the families’ vehicles. Any funds in these accounts/assets will inflate the cost of college and cause the student to lose financial aid eligibility.

The FAFSA is a standardized form and cannot be modified. Yet the CSS Profile is a customizable form. If a college desires to ask any financial question all that is needed is to add it to the supplemental questions. This gives colleges the power to ask ANY question that they desire.

“Parents, students and families need to understand that college admission and college financial aid is a game. There are legal and ethical strategies that can dramatically reduce your cost of college” says J.D. Wyczalek, the founder of Arizona College Consulting, and AZCollegePlanning.com

Wyczalek goes on to state that he offers free community workshops that help families understand how the admission and financial aid system works so that they can monetize it to their best interest and not the interest of the college.

Join the fight to keep college affordable by telling the University of Arizona to stop using the CSS Profile and join the Facebook page ‘University of Arizona Stop the CSS Profile’.

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SAT ACT Comparison Chart

February 21, 2011
  SAT ACT Comparison Chart ACT Redesigned SAT Math & Reading 2400-Point SAT Estimate (old model) 36 1600 2400 35 1560-1590 2360 34 1510-1550 2300 33 1460-1500 2220 32 1410-1450 2140 31 1360-1400 2070 30 1320-1350 2010 29 1280-1310 1950 28 1240-1270 1890 27 1210-1230 1830 26 1170-1200 1770 25 1130-1160 1710 24 1090-1120 1650 […]

 

SAT ACT Comparison Chart

ACT Redesigned SAT Math & Reading 2400-Point SAT Estimate (old model)
36 1600 2400
35 1560-1590 2360
34 1510-1550 2300
33 1460-1500 2220
32 1410-1450 2140
31 1360-1400 2070
30 1320-1350 2010
29 1280-1310 1950
28 1240-1270 1890
27 1210-1230 1830
26 1170-1200 1770
25 1130-1160 1710
24 1090-1120 1650
23 1060-1080 1600
22 1020-1050 1550
21 980-1010 1500
20 940-970 1440
19 900-930 1380
18 860-890 1320
17 810-850 1250
16 760-800 1180
15 710-750 1100
14 660-700 1020
13 590-650 930
12 520-580 830
11 500-510 750

 

National Average SAT Scores - Reading 501 - Math 516 - Writing 492

National Average ACT composite scores 21

You can get a perfect score.

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What is your window of opportunity

February 4, 2011
As a high school junior, there is limited time to mold the student’s extracurricular and school activities so they attract the attention of colleges and universities, not to get into college but to get aid.

College Window of Opportunity

by J.D. Wyczalek (why-zall-ick)

As I write this in February, families with high school juniors need to act right now as the window of opportunity is closing quickly.

The entire myth that it is difficult to get into college is exactly that, a myth. A search for a client came up with 312 4-year colleges (not community colleges) across the US that have a 100% acceptance ratio. This means, if a kid graduates high school regardless of grades and applies to one of these colleges they will get in.

Now getting aid at one of these colleges is a different matter all together.  I am talking about students who barely graduate high school and have a 2.0 GPA or less. There is a college out there for them.

For students who have a 3.0 to 4.0+ GPA, these students have greater options. Identifying colleges early on in the game (as early as the freshman year) and getting on a college’s radar early is a critical move in the college game and one step closer to getting financial aid.

As a high school junior, there is limited time to mold the student’s extracurricular and school activities so they attract the attention of colleges and universities, not to get into college but to get aid. (Of course this is an easier task with high school freshman and sophomores as there is more time to invest in these activities.)

One sure fire way to annoy College Admission Directors is to have too many activities or sporadic activities that don’t boost your overall high school resume. Many kids have joined clubs or activities for the singular purpose to impress College Admission Directors.

Frankly, these students are not the first ones who have attempted this strategy. In fact, College Admission Directors see literally hundreds of students attempt this façade. In some cases College Admission Directors have refused admittance to their institution as they see this as a character flaw.

College Admission Directors look for students with passion, leadership, someone who will overall help to build the character of the incoming college freshman class. And if they identify you early on in the process and decide you are the perfect fit for their student body, they will do whatever they can to recruit you. A college can and does entice a student to attend their institution with scholarships.

A student can be molded into a great college candidate, a candidate that colleges love to recruit. When colleges compete over recruiting a student, wonderful and magical things happen. This is why some colleges hand out huge scholarship packages to some students and nothing to others.

For families with high school freshman and sophomores, it is equally important to develop a game plan and systematizing the college process. The process can be fun and made into a game.  

As I look at my own children, it seems that only a short while ago when my daughter was 3 years old, we were getting kicked out of Toys R Us for driving the Pink Barbie Jeeps up and down the aisles. This year at age 18, in a few short months she will be heading off to college in Seattle. 

Do you want to discover the secrets to unlocking aid and playing the college game to win? Then you must attend one of my workshops. workshops

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