New deal: Pay more get less from college.

At least that is the trend at some public universities.

Some state universities facing budget cuts are offering fewer classes and raising tuition. The New York Times reported that UCLA, along with other state schools in California and elsewhere, have cut back on classes. (This seems counter intuitive, but that is big government for you!)

According to the New York Times, money woes have impacted course offerings at many flagship universities including the University of Arizona, the University of Wisconsin and the University of Florida.

The 10-campus University of California system has been hit particularly hard year as both endowments and state coffers have been hammered. Federal stimulus funds, in excess of $700 million, are helping to offset a $1 billion gap. The federal money is considered a temporary fix.

Many of the nation’s top public universities are likely to push through large increases in coming years.

At the same time, applications are surging from students seeking a more cost effective alternative to private colleges. According to the Times, many flagship state universities are now attracting wealthier and better-prepared students which is putting some top state schools out of the reach of students who might have gained admission in prior years. This trend has created a new dynamic in colleges’ admissions.

At the same time, some matriculating students are finding it difficult to graduate on schedule because cut backs have made it nearly impossible to enroll in required courses.

original article here: The New York Times

J.D. says: Through proper financial college planning strategies, it is possible to go to an expensive private college for less than a “so-called” cheaper public college. Also with smaller class sizes and a designed curriculum, it is possible to graduate in 4 years instead of 5 or 6. So rethink your numbers a cheaper public school could cost you thousands more than a private college.

Send article as PDF to

by Sal Allen

America has over 12,000 students in attendance at one of the three regular U.S. service academies at any one time. These students (called midshipmen at the U.S. Naval Academy and cadets at both the U.S. Military Academy and the U.S. Air Force Academy), receive some of the toughest academic, mental, physical, and leadership training of any category of college and, are in a class of their own. The service academies attract and train some of America’s best young men and women to be professional officers and leaders in the U.S. military, as well as prepare them to be diligent and effective leaders and managers in government, corporate, and private enterprises worldwide. The service academies have produced several U.S. Presidents, numerous members of Congress, major industry leaders, military heroes, a host of Rhodes Scholars and even a Nobel Prize winner in science. The U.S. service academies also produce more astronauts than any group of schools anywhere. The service academies are often ranked amongst the best, if not the most difficult, colleges in the United States.

It has been estimated that it costs between $250,000.00 and $350,000.00 to graduate one student, which makes the U.S. service academies the most expensive colleges in the country. Each student’s tuition, books, labs, and other fees are completely covered. Each student receives full room and board. In fact, these students enjoy some of the best dining of any college. All uniforms are custom fit to each student and everyone is given several sets of athletic gear, to make sure each student is equipped to handle the more rigorous physical fitness expectations placed on them. Health care is not a problem either. Every student receives full medical care without any insurance premiums or co-payments, and any student needing immediate care is often seen within an hour of signing in for treatment. There are facilities and clergy to lead each student’s religious faith, with an emphasis on religious diversity. There is even a basic salary that each student receives to give them some flexibility, when it is time to relax.

The Expected Family Contribution (EFC) for each student to attend one of the U.S. service academies, for the four years it will take to graduate, is a whopping zero dollars! That’s right, zero. It does not matter how little or how much your family has saved for Johnny or Jane to attend college. The United States government has agreed to pay the entire bill. For the parents (and any student trying to figure out how to get a great college education), this fact is a huge relief. At graduation, each student receives a salaried, full time job, and an opportunity to grow. For most families, it is a great honour to be accepted and to graduate from one of the service academies.

So, how do you get into a U.S. service academy? What are the steps? Do you have to know somebody? What are the admissions offices looking for in a student? Do I have to be a sports superstar? Do I have to be a genius? When do I begin to apply? What are my chances?

During your junior year of high school, there are a bunch of things you must be doing to make yourself competitive. Each service academy evaluates an applicant on something called a “Whole Man (or Woman) Score.” The U.S. government is looking for the best overall students out of each high school class and it is willing to pay for it. There are nine general categories that are evaluated and scored: academic performance and difficulty in grades 9-12 (3.0 GPA or better), SAT/ACT scores, organized team sports participation, displays of leadership (JROTC, Civil Air Patrol, Boy or Girl Scouts, high school class president, etc), outside activities that benefit the community (church voluntary work, 4H Club, community parade involvement, nursing home volunteer, etc), employment that shows good time management skills (farmers, part time job), medical fitness, physical fitness, character, and your ATTITUDE. Your academic performance is a major measurement in nearly every college application. However, it is imperative that an applicant, hoping to be accepted to a service academy, be involved in as many different activities as possible, during their high school years. How many sports did you play? Did you letter? Did you have a part-time job that limited your participation in other activities? Are you in JROTC, Civil Air Patrol, or Sea Cadets? I once heard an Admissions Officer say that he would rather have a student that can get 70 percent done in 10 minutes, than someone who can get 90 percent done in an hour.

Begin your application process by contacting the service academy of your choice and completing a Pre-Candidate questionnaire online. You must be a U.S. Citizen to gain admittance, except for those applying as international students. You cannot have children, nor be responsible for any children. This questionnaire gets you on the map. You will be sent a bunch of forms to fill out and return, and ultimately scheduled for a series of appointments. Arrive early for all of you appointments and be ready to go!

Medical fitness and physical fitness are two measurements that are not normally evaluated in most colleges, but they are evaluated here. All applicants will be sent to a local military medical facility to have a “service academy candidate physical completed. Having a broken bone that did not heal correctly, major dental issues, bad vision, diabetes, allergies since 12, flat feet, bad personal hygiene, etc are all limiting criteria and will halt your application. Being too tall or not tall enough can also eliminate you from competition. Additionally, you will be required to complete a Candidate Fitness assessment, or CFA, that will measure your agility, upper body strength, aerobic strength and endurance. One such test involves throwing a basketball, while kneeling!

During the spring of your junior year, each applicant must request a nomination to attend a particular academy (see www.senate.gov and www.house.gov ). You do not need to know them personally. If you are selected to attend and receive a nomination, you will have been “appointed” by your designated nomination source. By federal law, these appointments are strictly limited in number by the governmental position that the nominating source holds. If you can qualify for more than one nomination source, you will increase your chances. The nomination sources are: The U.S. President, U.S. Vice President, U.S. Senator, U.S. Congressmen, Secretary of that service (ie, Secretary of the Navy for the U.S. Naval Academy), children of POWs/MIAs and Medal of Honor winners.

One of the most important things you should be doing is getting yourself known to the Candidates Admissions Office. If you can visit the campus, do so! Talk with the students and breathe in the spirit and atmosphere of the school. It may be your home for awhile! Ask the admissions office to match you with a freshman student for a weekend, so that you can experience the routine. Keep taking the SAT’s/ACTs to improve your score AND keep in front of the Admissions Officers!

Eventually, you will be assigned and receive a visit from a school representative. They will also want to meet your parents. At Annapolis, this representative is called the “Blue and Gold Officer.” His/her main job is to talk candidly with you to assess your attitude and motivation to attend. They also want to know what you want to do once you graduate. You may look good on paper, but how you fit and function as a team player is equally important.

Each service academy receives between 12,000 and 15,000 applications per year. Of those, approximately 2,000 applicants are found fully qualified. Only about 1,300 will be admitted or about 10 percent. Of the fully qualified students, some will be eliminated because there were other more qualified applicants for the nominating source that they applied. Again, apply for as many nominations as possible. For example, if you can get a Presidential and a Congressional nomination, you have two categories by which to be considered.

For further information, please contact the Candidates Admissions Offices listed below. Also see www.collegeboard.com and www.act.org . Good luck! —Sal Allen, USNA’86

USAF Academy,

HQ USAF/RRS, 2304 Cadet Drive, Suite 2300 CO 80840 (719) 333-2520 www.usafa.af.mil

United States Military Academy

646 Swift Road West Point, NY 10996 (845) 938-4014 admissions.usma.edu

United States Naval Academy

121 Blake Road Annapolis, MD 21402 (410)293-1000 www.usna.edu

Send article as PDF to

Sorting out the confusion…

The most common scholarships may be classified as:

• Merit-based: These awards are based on a student’s athletic, academic, artistic or other abilities, and often factor in an applicant’s community service record and extracurricular activities. The most common merit-based scholarships, awarded by either private organizations or directly by a student’s intended college, recognize academic achievement or high scores on the ACT and SAT standardized tests.
• Need-based: These awards are based on the student and family’s financial record and will require applicants to fill out a FAFSA to qualify if the scholarship is a federal award. Private need-based scholarships will also often require the results of a FAFSA, which calculates a student’s financial need through a formula looking at the expected family contribution and cost of attendance at the intended college.
• Student-specific: These are scholarships where applicants must initially qualify by race, gender, religion, family and medical history, or many other student-specific factors. 
• Career-specific: These are scholarships awarded by a college or university to students planning to pursue a specific field of study. Often the most generous awards are given to students pursuing careers in high-need areas such as education or nursing.  

Get your scholarship forms and registrations in several weeks before the deadline. Because If you miss the deadline, no money will be coming in. Be extremely careful to follow all the guidelines. Some guidelines are more ridiculous than others, however if you don’t follow the guidelines you will be out of the runnings.

Make a copy of the entire packet and keep it on file in case your packet goes astray.  Make sure your name (and student ID, social security number, if applicable) appears on each page of the material to ensure that nothing is lost. 

Lastly, a great place to start looking for private money scholarships is:  www.fastweb.com

Send article as PDF to

I know it looks like some crazy formula created by Einstein, Hawking or Tesla but is actually the formula that you MUST know. If you don’t know this formula and how it relates to each college on your child’s list you will be leaving money on the table.

This crazy formula was created by our elected representatives in Washington DC and was recently amended by the Obama administration.

You can read the Higher Education Opportunity Act (all 432 pages) or come to a local workshop and learn the formula AND discover the secrets that admissions officers don’t want you to know because their goal is to keep as much money as possible and have you and your child pay as much as possible. (Click the link Workshop RSVP for dates/locations)

[COA-EFC=(NEED/HGP)+(SD)]=TC

COA references the Total Cost of Attendance for one year. This includes tuition, labs, books, room & board, travel, other expenses and fees.

The EFC is the federal formula for creating your “deductable” the cost that you are required to pay before you get any financial aid.

NEED is calculated by subtracting the EFC against the COA.

HGP is the Historical Giving Pattern, this number is reported to the Department of Education. This is the average amount of financial aid given. Is the college generally tight fisted or generous?

SD references the college’s desirability toward any one particular student. Is your student highly desirable (no they don’t have to be a star athlete or have high grades or a perfect SAT score) Some colleges are more apt to handing out financial aid to attract certain types of student.

Add subtract and divide these numbers to get the TC, True Cost for your student.

The exorbitant cost of college may be a hard thing to swallow, however AZCollegePlanning.com’s proprietary “How To Pay” formula custom designed for your family can show you how to pay for college without going broke, how to find best-fit colleges, generous colleges, all in a comfortable manor.

Send article as PDF to