FAFSA

Our Financial Aid Checklist -- Part II

Today, we're pleased to bring you Part II of a checklist of tasks you should be tackling right now to pay for college, courtesy of College Advisor Alice Kleeman. Admission deans, financial aid officers and college counselors agree that the single biggest mistake families make in the college application process is failing to apply for financial aid. So even if you think you won't qualify, apply. Use this checklist to make sure you are eligible for ALL the aid you may qualify for.

 

*          Most importantly, do apply for financial aid to be sure you are considered for all assistance available. You may be pleasantly surprised. And, sometimes, even though you don't qualify for federal aid, you need to file the Free Application for Federal Student Aid (FAFSA) in order to be considered for merit scholarships, state aid and federal student loans.

*             Check with your high school counselor about financial aid workshops scheduled at your school or in the community and attend with your parents! 

Will Cardamone, Manlius Pebble Hill School

William Cardamone grew up in New York State, the youngest of ten children. His father was a judge on the U.S. Court of Appeals and his parents pinned their hopes for a lawyer from the family on their youngest son, the only one of the ten who seemed interested in the law. Cardamone obliged -- in his own time -- graduating from Hamilton College and spending three years in the West as a wilderness guide before attending Vermont Law School.

But then he took another detour, teaching social studies for four years to 11th and 12th graders at Woodstock High School in Vermont's capital. He returned to the law for a few years, practicing employment and education law at a firm in Utica, New York. Until he visited a former advisor at his alma mater of Hamilton and spent the next eight years in their admission office, rising to Associate Dean of Admission.

While his wife, also a "recovering attorney," says Cardamone, rose in the ranks of her family's business which she would eventually lead, he found his true calling, As he worked with independent high schools in the region, recruiting for Hamilton, he said, "That's the job I want." In 2006, he joined Manlius Pebble Hill School in DeWitt, New York, as Dean of Students, eventually becoming Director of College Counseling in 2010.

Financial Aid Checklist: Part I

Paying for college is a concern for most families. But the single biggest mistake families make in the college application process is failing to apply for financial aid. Even if you think you won't qualify, apply. You may be pleasantly surprised. Today, we're pleased to bring you Part I of a checklist of tasks you should be tackling right now to pay for college, courtesy of College Advisor Alice Kleeman. Use this checklist to make sure you are eligible for ALL the aid you may qualify for.

Dear College Counselor... The Year's Best Advice from our Counselors of the Month

October is the cruelest month for high school college counselors, besieged on all sides with seniors intent on applications and juniors beginning their college search and testing -- as well as issues with the Common App this year. So we give counselors a pass at this time of year. Instead of our Counselor of the Month feature, we bring you a round-up of best advice from the counselors who have graced our website with their guidance and wisdom in the past year. Read on to learn their best advice for students and parents, recommendations for financial aid, guidance on the college search and mistakes to avoid.  One of our personal favorite sound bites? Niles West High School's Dan Gin who advises students, "Have fun… Everything will work out in the end." Next year at this time, you'll all see how true this is. In the meantime, take advantage of this advice from the experts on the college counseling side of the desk.

The College Search

Laura Stewart, Ensworth School, Nashville, Tennessee

How do you encourage your students to broaden their college search and look beyond the four or five schools that they know best?

Sheila Roberts, Bob Jones High School

In 1979, when Sheila Roberts and her family moved to Decatur, Alabama, she looked across the Tennessee River to the town of Madison and it was just cotton fields. She was a stay-at-home mother, raising two children. No longer. Today, Madison is a diverse and thriving community -- one of the fastest growing cities in the Southeast -- drawing families from NASA's Marshall Space Flight Center, the U.S. Army Post Redstone Arsenal and the University of Alabama at Huntsville. And Roberts counsels their students as the College and Career Advisor at Madison's Bob Jones High School.

Named for former Congressman Robert E. Jones, Jr., who represented the area from 1947 until 1977, Bob Jones is a public high school serving approximately 2,100 students. Roberts joined the staff in 2003, building the counseling program from scratch -- growing it from one file cabinet in a small study room in the Media Center to twelve file cabinets in what is now the College/Career Center. She says she is constantly struck by the benevolence, diversity and growth of the community. Bob Jones opened in 1974, moved to a larger facility in 1996, and -- underestimating the growth in the area -- had to relocate the 9th grade class a few years later until a second high school was opened last year.

Daniel Gin, Niles West High School

Dan Gin had been a generalist high school counselor for four years when he boarded the Illinois Association for College Admission Counseling (IACAC) Bus O' Fun Tour. Road tripping for a week through ten college campuses in Illinois, Indiana and Michigan, Gin realized he had found his calling. "I could be the one who helps students find the right college," he said. And for the past eight years, Gin has, as the College and Career Counselor at Niles West High School in Skokie, Illinois.

Set in a suburb eight miles north of Chicago, Niles West is a culturally diverse public high school serving more than 2,600 students. Among those students, there are 96 different spoken languages, with the most common being Urdu, Spanish and Assyrian. Thirty per cent of the students are English language learners. Another 30% are on free and reduced lunch. And since Skokie is in the first ring of suburbs on the borders of Chicago, one in four students are transfers. So as the only college counselor on staff -- though he's assisted by 11 generalist counselors -- Gin faces some special challenges.

Palo Alto High School's Sandra Cernobori is our Counselor of the Month

 

College Advisor Sandra Cernobori was sitting at her desk in the College and Career Center of Palo Alto High School in Palo Alto, California, when a parent came in to talk to one of her colleagues. She was not a parent at the school, but had some questions about college admission. A few minutes into the conversation, the visitor said to Cernobori’s fellow advisor, “Let me go get my son, I want him to hear this.” Whereupon she brought into the office her 18-month-old child. Yes, you read that correctly, her 18-month-old child.

Welcome to the world of college advising in the heart of Silicon Valley where the college learning curve -- and the pressure -- starts early for some.  Founded in 1894, Palo Alto High School, known as Paly, is nationally known for its academically rigorous environment. Its campus, which serves more than 1900 students, sits across the street from Stanford University. “Our students are often from families that are highly educated or highly value education, so expectations are high,” says Cernobori. “But we also have families where the parents have not attended four-year colleges.”

Juniors: It's never too early to start learning about financial aid

When it comes to financial aid, it’s never too early to start learning about what is a very complex and important topic. All colleges are required by law to have a financial aid calculator (sometimes referred to as a net price calculator) available on their website.  Financial aid calculators can provide an early understanding of what you will be asked to pay at individual colleges and what your aid award might look like.

So as you research colleges now and through the summer, check out the financial aid calculator for each school on your list as you’re surfing the colleges’ websites. Use the calculator to help you figure out what the colleges offer, as well as to start thinking about what you will need to do to make your choices work financially. If possible, try out the calculators with your parents.

Your results— the cost to you and the aid you may receive— may differ fairly significantly from calculator to calculator and from college to college. Just to see how things compare, try out the calculators at a few less expensive colleges and some more expensive ones. It can often be at least as affordable to attend a more expensive college that offers a strong financial aid program. Find out now, so you can select the colleges that work best for you while factoring in price, without ruling out options that might initially seem unaffordable.

Coming to Terms with What Colleges Expect You to Pay

We're pleased to share with you today an excellent piece by W. Kent Barnds, Vice President of Enrollment, Communication and Planning at Augustana College. Barnds sheds always welcome light on the concept and reality of the EFC or Expected Family Contribution, showing how it is possible that a student with an EFC of $15,000 and considering three colleges with the same price might be expected to pay $19,500 at one and $9,500 at another.

Seniors: Treat Your Financial Aid Officer Well!

Financial aid offices are not set up like admission offices. They are often less well staffed, and they have the college’s existing student body to care for, as well as applicants and their families. What does this mean for you? You cannot ask a financial aid officer to hold your hand. You need to do as much as you can to master the process, and call on the aid officer with specific and informed questions. That is how you will obtain the best guidance.

The vast majority of aid officers do their jobs because they care about helping families afford higher education. Many were able to get through college themselves because of financial aid. They want to make this work for you as well— within the legal and institutional guidelines under which they operate. So treat your financial aid officers well.  And don’t forget to say thank you!

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