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Seniors: Apply, apply, apply… for financial aid!

The single biggest mistake families make in the college application process is failing to apply for financial aid. So, apply! Even if you think you won't qualify, apply. You may be pleasantly surprised. And sometimes you need to apply for federal aid to receive state aid or merit scholarships.

How do you apply? The FAFSA is required for any student seeking federal and state financial aid, including grants and loans at all colleges in the country.   It can seem complicated, but there is help available -- and it's free.  One of the best resources is College Goal Sunday, an information program that brings together financial aid professionals from colleges and universities along with other volunteers to assist college-bound students and their families complete the FAFSA (Free Application for Federal Student Aid).  Calendars for their national programs, as well as state-by-state events can be found at their website here.

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.

Kelly Dunham, Cherry Creek High School

Last week, one of Kelly Dunham's students informed her that he had received notification he was waitlisted at one of the colleges to which he'd applied. He was asked to follow a link to let the university know if he was interested in staying on the waitlist. He selected the link and it took him to a pornography website. "Thank goodness, he is a student with a great sense of humor," says Dunham.  "I contacted the university and the link was of course wrong!  What are the chances?"

It's all in a day's work for Dunham -- though her days usually revolve around more prosaic problems like academic advising and college lists.  As Counseling Department Coordinator for Cherry Creek High School in Greenwood Village, Colorado, in the Denver metropolitan area, Dunham is head of the department and also acts as one of ten counselors, who spend most of their time advising students on academics, social/emotional issues, and college.  The largest high school west of the Mississippi River, Cherry Creek is home to 3500 students, 95% of whom go on to college.

Laura Stewart, Ensworth School

Laura Stewart, our March Counselor of the Month, had both a unique opportunity and challenge when she joined the college counseling program at Ensworth School, an independent college preparatory high school in Nashville, Tennessee. For 46 years -- since 1958 -- the school had served only elementary and middle school students. Then, in August, 2004, Ensworth added grades 9 through 12, opening the new 127-acre Devon Farm campus one month after Stewart joined the school as Assistant Director of College Counseling.

Over the next five years, Stewart rose to become Director of College Counseling -- in 2009, one year after Ensworth School graduated its first senior class. As a result, she has had the opportunity to participate in building a counseling program where there were no preconceived ideas. As Director, she has been able to establish policies and procedures that reflect a philosophy with her own creative stamp and then watch the program grow. "It's hard for me to imagine being anywhere else because I've been so fortunate to get to do what I want," says Stewart.

Seniors: Beware of financial aid scams

 

Applying for financial aid can be complicated, and the stakes are high. You may have received offers of help in the mail or see them on the Web and in magazines. Some of these are legitimate. Others are from individuals or companies trying to make money off unsuspecting students and parents. Beware of come- ons like these:

• “This scholarship is guaranteed or your money back!”

• “Attend our seminar to understand how to get more financial aid.”

• “We guarantee you’ll get aid.”

• “The scholarship requires a small fee.”

Never pay a fee to locate scholarship or aid information. And avoid any organization or service that either guarantees a reward or charges a fee for completing the FAFSA or applying for or receiving a scholarship.

Information on legitimate financial aid and scholarships is easily available at no cost at:

FAFSA

The U.S. Department of Education

College Goal Sunday 

The College Board 

Fastweb.com 

FinAid

• Your local library

• Your high school college counseling

December Financial Aid Checklist for Seniors

College advisor Alice Kleeman is back this month with advice for seniors on what you should be doing with regard to financial aid. Remember it is you, the student, who applies for aid. But families will need to work together to obtain the best result. Here are this month's reminders. Read, save and use them!
 

*          Most importantly, do apply for financial aid to be sure you are considered for all assistance available. Even if you think you won't qualify, apply. You may be pleasantly surprised.
 

*          December is a good time for families to gather all the tax-related information that is available before the year's end; this will facilitate early filing of both taxes and the FAFSA in the new year. The FAFSA can be filed based on estimates if tax returns are not completed, but beginning to assemble all the important information necessary for prompt tax filing can hasten the process for a year in which a family is applying for financial aid. Just remember, do not SUBMIT your FAFSA before January 1—it will not be processed for the correct school year!
 

November Financial Aid Checklist for Seniors

This is the third installment from college advisor Alice Kleeman in our monthly series for seniors on what you should be doing with regard to financial aid. Remember, while in most families it is up to the parents to provide the bulk of the money for college costs to the extent of their ability to pay, it is the student who applies for student aid. Read, save and use these monthly reminders!

 

*             All students applying for financial aid -- whether you are considering attending two-year or four-year colleges—will complete a FAFSA. Familiarize yourself with the form. BUT DO NOT SUBMIT YOUR FAFSA BEFORE JANUARY 1—it will not be processed for the correct school year!
 

*             Work with your parents to collect the documents you will need to complete the FAFSA—including tax returns for the most recent year, Social Security numbers, driver's license information, student and parent W-2 forms and other records of money earned, current bank statements, etc. The FAFSA web site lists the documents you will need here.