How saving might be hurting your financial aid chances

September 30th, 2011 by rebeccac

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Going back to college can get pretty expensive, so it makes sense to start putting away money for it as soon as possible, right? Build up some savings to complement any financial aid that you qualify for?

An article in today’s The Atlantic claims that may not be the smartest move after all.

A lot of it comes down to the FAFSA – the Free Application for Federal Student Aid – which you have to fill out if you want financial assistance with college. When the government is calculating how much award money you get from programs like Pell Grants and Stafford Loans, it throws everything into the equation – your income, your investments and your savings. If you have the cash socked away, the government figures you ought to use it for tuition and related expenses.

To a certain degree, that makes sense. But on the other hand, there a couple of flaws in this idea of throwing savings into the mix. 1) The government has no idea what your savings are for – maybe it’s been for college, but maybe it’s for big medical expenses. Or maybe it’s for your kids’ education. And 2) FAFSA essentially punishes people for exhibiting financially responsible behavior.

In his Atlantic article, Daniel Indiviglio gives an example based off a hypothetical student coming from a 4-person household where the combined income is $40,000:

• Student A has zero savings in the bank and gets awarded $4,000 in Pell Grant money.
• Student B has $50,000 in the bank and gets awarded $3,800 in Pell Grant money.

Is that a startling difference? No, and Indiviglio acknowledges that. But the big problem comes when one considers that FAFSA’s policies create a trickle-down effect. In order to simplify their financial aid processes, most colleges utilize the FAFSA information and copy their priorities in order to determine who gets the extremely valuable school-based aid. These include scholarships that can go a lot further in covering your education than any federal award, but you may not be considered as eligible for them because you have money in a savings account.

It is important that financial assistance money go where it is most needed, but can’t that be assessed based on income? Is there any real reason to short-change someone who makes sacrifices and manages their budget in order to tuck a little money away for the future?

It wouldn’t hurt the federal government to take another look at the situation and see if there’s a way to rearrange the formula so that responsible people aren’t punished for it. If they pave the way, it’s likely schools’ financial aid offices will follow.

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Scholarship Feature: Midland Business and Professional Women’s Club

July 21st, 2011 by admin

A Texas organization is throwing their support behind women who are trying to get back on track with education.

The Midland Business and Professional Women’s Club is offering four $500 scholarships each semester for women 25 years old and older who enroll in an accredited Texas school.

“Sometimes women don’t go back to school because they can’t pay and that shouldn’t be the situation,” President Glenda Knox told The Midland Reporter-Telegram.

In addition to meeting the age, gender and state requirements, those interested also must:

  • Be a high school graduate or GED recipient
  • Take at least six credit hours each semester
  • Demonstrate financial need
  • Submit a completed application and two reference letters
  • Maintain a cumulative GPA of 2.5 or higher
  • Submit copies of expense receipts, their course schedule and (if applicable) their prior semester’s transcript

It’s preferred that the scholarship money is used directly for education expenses – books, tuition, etc. – but, unlike some other scholarships, they recognize that award winners may need the money for other related expenses, like childcare or transportation.

The Midland Business and Professional Women’s Club is a regional organization that focuses on representing women’s equality in the workplace. The application for their scholarship can be found on their official site.

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How long does construction school take?

April 20th, 2011 by admin

The length of time it takes to complete construction school will depend on several different things. Factors that may affect this may include the school attended, what type of degree is sought and the specific program and its requirements. While some may be short term programs, others may last the standard two to four years, based on what is chosen. How-long-does-construction-school-take ts_stk311023rkn

Those attending construction schools to earn a certificate or diploma can generally expect a shorter duration of study. This can be anywhere from several weeks, to up to eighteen months in some cases. Typically, online and vocational instruction programs fall within this category.

If the prospective student is considering an associate degree, he or she may have to complete an entire two years. However, hybrid programs may also be available, shortening this duration. Completing a bachelor’s degree or higher often requires at least a few years or more, depending on the mode of study.

Despite the fact that some of these programs may seem rather lengthy, there are many benefits associated with obtaining these various credentials. Higher earning potentials, greater job satisfaction and obtaining life-long knowledge to advance one’s career are just a few of the benefits. The best way to decide what type of program is best is by taking the time to research the various schooling options that may be available.

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Do construction programs offer financial aid or student loans?

April 20th, 2011 by admin

Federal Financial Aid

Attending a construction program from an accredited college or university either part or full-time can make a student eligible for federal financial aid. Students should fill out free applications for federal student aid to discover which grants or loans they qualify for. Several funding opportunities are available through federal aid, including Pell Grants, which are financial awards that do not need to be paid back, construction-programs-offer-financial-aid ts_78633828subsidized loans, which are loans with interest that does not accrue until after graduation, and unsubsidized loans, which are loans with interest that begins accruing immediately. Students may also qualify for work-study programs through federal financial aid programs to earn money working on campus while pursuing their studies. Approval for federal financial aid is based on financial need among other factors, so students should be prepared to share financial information on their application.

Private Student Loans

Students enrolled in construction programs may qualify for student loans through private lenders. Students can apply at banks for private student loans. Private lenders often charge higher interest fees than loans secured through federal financial aid. However, students who do not qualify for federal aid or who need to supplement the amount offered by federal aid with additional loans may choose to take out private student loans.

Other Funding

Some construction programs offer their own scholarships and paid internships, so students should inquire with the construction program department to find out if these opportunities are available and how to take advantage of them if so.

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Tips for Winning Scholarships

April 20th, 2011 by admin

As the economy remains stagnant, more people are choosing to return to school. Many nontraditional adult students returning to college are under the false impression that all scholarships are for younger students entering school for the first time. This is simply not true. Many sources exist that offer scholarship aid for those students over the age of 25. Scholarships tend to be competitive. There are many things an applicant can do to increase his or her chances of being selected to receive these scholarships.
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First, the applicant should be prepared to apply early for scholarship offers. The providers tend to have strict deadlines and the offers open/close far in advance of their intended semesters. Starting far in advance also gives plenty of opportunity to take one’s time in making sure everything is complete, neat and free of errors. It also offers time to take care of any issues that may arise, such as lost documentation or the need for clarification.

When seeking a scholarship, an applicant must make sure that he or she meets the requirements. Some awards are very specific, and missing any of the parameters will knock an applicant out of consideration. Be sure to include all required samples, documents and other requested items. Forgetting anything could lead to delays or outright disqualification.

Scholarship applicants should be prepared to market themselves to the scholarship provider as a positive addition to the educational institution or profession. Excellent grades, high entry test scores and professional achievements are all important factors. Adults should have some sort of leadership or community service experience to showcase as well. This may be a good time to create a portfolio of projects for one’s profession and list any awards received. If there is anything that appears detrimental, such as a bad grade, be sure to offer an explanation. Leave nothing to the imagination of the application’s reviewer.

Part of marketing one’s self is preparation of an outstanding essay. The essay portion of the application is the equivalent of a face-to-face interview and should be taken just as seriously. This offers the chance to really explain one’s goals and why he or she is the best choice for the educational award. Keep in mind that the awarding institution wants to be certain it is making the best decision for giving away scarce resources.

It would be a good idea to seek the advice of people that have received scholarships. Better yet, applicants should use their network of mentors, past professors, supervisors and other professional acquaintances to guide them. Experience and another set of eyes goes a long way to polishing the application and revealing mistakes.

One of the newer tips to take to heart is checking personal Internet presence. Many people use social media sites such as Facebook and Twitter. Anyone that applies for scholarships should make sure that these sources of personal information show nothing detrimental. There have been cases in which decisions have been made or altered because of a person’s social information online.

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Do marketing programs offer financial aid or student loans?

April 12th, 2011 by admin

Do marketing programs offer financial aid?

This question depends on the marketing colleges or university you plan on attending. Marketing is a great program to study in and one that is found in many colleges and universities. With that in mind, many community colleges, public and private universities that are accredited have financial aid. To be approved for financial aid, you must fill out your FAFSA as soon as possible. The FAFSA opens up on January 1st and financial aid is given to those who apply the earliest. Financial aid includes the PELL grant, SEOG grant, work-study programs and parent and student loan options. There are many marketing schools that will help you get the best financial aid package. marketing-programs-offer-financial-aid-or-student-loans ss_27184117

Do marketing programs offer student loans?

This question too depends on the college or university you plan on attending. If your college offers financial aid, then you are most likely eligible for student loans. If government grants and work-study programs do not cover your cost of tuition, then you may be interested in taking out a student loan. Most people who do not have the financial means necessary to cover their marketing program tuition and room and board costs will take out student loans. Student loans are not asked to be paid until you are six months out of college. Marketing is a great program to earn a degree in and one that can be financed through student loans if necessary. Many marketing schools help you finance your degree through student loans.

Doing a college search for marketing schools or marketing colleges? Check out popular California marketing colleges or a college in any other state of your choosing. Looking for online colleges? You can search for online degrees too. For additional information, use US College Search or find us on Facebook and Twitter as well as searching by zip code.

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Can I go to an Online Marketing School?

April 12th, 2011 by admin

There are so many directions a student can go in with a marketing degree, which is one of the most advantageous reasons to attend one of many marketing schools. Many students often wonder if they can attend an online marketing school. The answer to this question is yes. In fact, attending an online marketing school is accompanied with several benefits when compared to completing marketing classes at a traditional college campus. Can-I-go-to-an-Online-Marketing-School ss_3776905

With the Internet becoming so widely used by millions of people around the globe, an online marketing plan must be designed into all business’ marketing plans. When completing online marketing courses, a student is enabled to gain firsthand experience at how online marketing works, which helps them to understand the dynamics of what marketing really is.

Taking online marketing courses from marketing colleges also allows a student to become familiar with creating online marketing campaigns, which is a must for any marketing consultant to be successful. Through the completion of online courses, students are also able to become familiar with writing online articles, search engine optimization tactics, and other areas that must be mastered in order for an online marketing campaign to be successful. oh

There are a large number of schools that offer online marketing courses. With a quick search on our site, you can find a marketing school that meets your needs and wants. Never forget that an online school enables you to complete a marketing degree program at your own convenience.

Doing a college search for marketing schools or marketing colleges? Check out popular Texas marketing colleges or a college in any other state of your choosing. Looking for online colleges? You can search for online degrees too. For additional information, use US College Search or find us on Facebook and Twitter as well as searching by zip code.

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How long does marketing school take?

April 12th, 2011 by admin

 

The amount of time it takes to finish at one of your favorite marketing schools depends on the specific school attended, the degree being pursued, and which program is being studied. How-long-does-marketing-school-take ss_3248515

Time varies greatly for students attending a community college or undergraduate university. Those who are seeking an associative degree in marketing will have to complete an average of 60-64 credits worth of marketing classes and the school’s general core classes. A full time student can complete this within one or two years. For those in an accredited undergraduate university, an average of 124-128 credits of marketing classes and general courses are required. This will take four years to complete. However, some students choose to be part-time students or take semesters or quarters off to work and save money, increasing the time it takes to graduate.

A master’s degree in marketing can either be achieved through a graduate school’s marketing program or as a specialty within an MBA program. Most graduate schools have a laid out curriculum in which its students cannot take time off and must take classes in a specific order. This means marketing students almost always graduate quickly and on time, read and prepared for the work field. On average, marketing colleges take three semesters, or one and a half years, to complete.

Compared to other schools and programs, achieving a degree from a marketing school is not as time consuming; yet, the rewards and career possibilities that come with a marketing degree are numerous.

Doing a college search for marketing schools or marketing colleges? Check out popular Nevada marketing colleges or a college in any other state of your choosing. Looking for online colleges? You can search for online degrees too. For additional information, use US College Search or find us on Facebook and Twitter as well as searching by zip code.

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How do I choose which marketing school to attend?

April 12th, 2011 by admin

 

The best way to choose from one of many marketing schools to attend is to combine a variety of factors and benefits of the many different marketing schools that you look at. Price is definitely one consideration. You need to see how much financial aid you can qualify for, but the majority of marketing schools give financial aid in the forms of student loans, grants and scholarships. choose-which-marketing-school-to-attend ts_87831936

If you’ll be attending the marketing school in person, you want the campus to suit your personality and be appealing to you. You should certainly do some research on the background and experience of the professors at whichever marketing school you intend to attend. It’s best to look for academicians with real world marketing experience instead of just a history of classroom teaching.

Also, inquire if the marketing colleges has an online attendance option since you may prefer that to save commuting time and work more conveniently from your home. If you’re a sports fan, the reputation of the varsity athletic programs will factor into your decision of which marketing program to attend at a specific college or university.

You should also determine if there are enough social activities and recreational indulgences to get involved with on or near the campus so you can have time to relax and unwind from your intensive studies. Since you’ll also be taking other courses other than just marketing at a marketing school, you should determine the reputation of the other associated departments such as those in accounting, economics, finance, and taxation courses.

Doing a college search for marketing schools or marketing colleges? Check out popular Florida marketing colleges or a college in any other state of your choosing. Looking for online colleges? You can search for online degrees too. For additional information, use US College Search or find us on Facebook and Twitter as well as searching by zip code.

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How do I find marketing schools?

April 12th, 2011 by admin

Marketing schools can provide a rich and rewarding education. There are many different, high quality marketing schools out there and finding one is a rather straightforward process if these tips are followed.how-do-i-find-marketing-schools ss_4156039

One of the best ways to find marketing colleges is to search the Internet for listings and names of the schools. The search engines will direct the prospective marketing school student to the specific websites of each college or university, where much in depth information can be obtained. Once the address or email of each marketing school is known, you can simply request a free brochure or other type of literature you may be interested in such as information about whether the marketing school offers financial aid.

You can also search through college print directories that come out every year as annuals. In the back index section of these directories, they’ll list all the accredited colleges and universities that have strong marketing programs. There are also certain national periodicals you can buy specific to both marketing schools and business schools if you prefer to learn about the many marketing schools in this fashion. You can also ask fellow students who have an interest in marketing which marketing schools they have been considering.

And if you’re still in high school, you can simply ask your school guidance counselor or business teacher to recommend some quality marketing schools in the geographical area of the country in which you’re interested in attending. You can also use these methods to determine which colleges offer online marketing programs if you’re interested in that mode of education at a marketing school.

Doing a college search for marketing schools or marketing colleges? Check out popular Pennsylvania marketing colleges or a college in any other state of your choosing. Looking for online colleges? You can search for online degrees too. For additional information, use US College Search or find us on Facebook and Twitter as well as searching by zip code.

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