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8 Ways to Reduce the Cost of College

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Education is an expensive ordeal, and it is only getting worse.

The average cost of college for a single student in the United States is $35,436 per year, including tuition and other expenses. It’s also just a baseline, as the costs grow exponentially if you continue your education beyond an undergraduate program. For example, if you’ve figured out that research is what you are solely interested in and passionate about, getting a doctorate may be a perfect choice, but it requires a huge investment as the Ph.D. cost is really high.

The worst part is that it is getting more expensive each year—for the last decade, it has had an annual growth rate of 2%.

But even as education costs grow, there are ways to reduce their burden. They require some strategy or forethought but can positively impact your expenses.

From simple to complex, here are eight ways to reduce the cost of your education and make your journey toward that degree a breeze.

1. Buy or Rent Used Textbooks

The cost of textbooks changes according to institution and degree, which means some may be more expensive than others. However, the average cost of textbooks for a student in a 4-year program sits at around $1,200 per year.

Expensive? It sure is—even more so, considering you’re probably only going to find them useful for a semester. That is why you should buy used textbooks rather than brand-new ones.

You can find the cheapest textbooks online at BookScouter.com, gaining access to all your required textbooks for over half of their original price. You can search for the best offers from over 30 buyback companies, including popular vendors like Sellbackyourbook, Textbookrush, Booksrun, Ziffit, and others. Given the platform’s popularity, it has accumulated numerous reviews, allowing you to rely on other users’ experiences when selecting a company to sell your books to. For instance, feel free to read Ziffit reviews before selling your books to ensure it’s a credible buyback vendor.

You can also opt to rent instead, reducing the cost even further and allowing you to return the book once the semester ends. Simply enter the ISBN or title of the book and search for the best offer.

2. Look into AP Courses in High School

If you are still studying in high school, consider enrolling in Advanced Placement (AP) classes to save some money on your future college tuition.

If you approve your AP tests with high grades at the end of the school year, some colleges will accept the credits as if you had approved the corresponding introductory college course. As such, you can skip those classes and save the money you would have spent on those credits.

However, keep in mind that this method requires academic excellence and dedication. Likewise, which AP courses are accepted or not varies according to college.

3. Consider Community College as a First Step

Another option to rake in credits ahead of college is to make a first stop in your local community college.

By enrolling for an associate’s degree, you can complete your general classes and acquire those mandatory credits much cheaper, as a community college is often the most affordable option. Once done, you can transfer to four-year universities and only spend money on the remaining courses related to your specific degree.

However, remember that you should check beforehand whether or not your community college has any deal for guaranteed acceptance and make sure the university you aim for accepts such credits.

4. Take Advantage of Student Discounts

Many everyday expenses can rake up fast if you are a college student. Luckily, being a student is not all bad—studying gives you many benefits and discounts you would otherwise not get access to.

Whenever you are purchasing anything, make it a habit to ask about student discounts or benefits. Technology purchases often include student-exclusive discounts for hardware and software necessities, while some restaurants include student plans and meals worth checking out.

While these may not impact your tuition or direct college expenses, student discounts can significantly soften the burden of everyday needs.

5. Study Your Housing Options Carefully

It’s not a secret that there is a housing crisis within the United States, and rent can often be a considerable percentage of every student’s expense. That is why, before starting college, you must evaluate your housing options.

If possible, the best option is always to live at home. It can save you housing costs and thus reduce your overall expenditure. This is viable if you go to community college first or if your university is nearby, and commuting is often worthwhile.

When staying at home is not an option, compare and contrast the benefits of living in a dorm or staying off-campus. While staying off-campus is often cheaper, aspects such as rent, utilities, and transportation are all worth studying before determining the best deal.

6. Avoid Using a Car

A vehicle can be expensive, and car ownership can quickly increase for college students.

Between gas, maintenance, insurance, parking, and other miscellaneous costs, having a car can easily be a few grand, which is a lot for a college student concerned about other payments.

Of course, sometimes, it’s an inevitable expense. But if your circumstances and campus situation allow it, consider relying on public transportation for as long as possible and reduce your car expenses until it becomes mandatory.

7. Research Tuition Reimbursement Programs

According to their policies, some businesses or companies offer tuition assistance, paying a percentage of credits towards a certain degree. However, a significant portion of eligible employees need to be made aware of this benefit. As such, if you are employed, always research whether or not you could enjoy this assistance.

If you would like to enjoy this benefit and consider it worth trying, you can apply for part-time jobs in some companies offering programs and research. UPS, Bank of America, Chipotle, and other options worth considering.

8. Apply for Scholarships and Financial Aid Programs

Left for last is the most obvious option, but the most efficient of them all: scholarships.

The most obvious and efficient option, which is often overlooked, is applying for scholarships. However, this should always allow everyone to apply to as many scholarships or financial aid programs as possible.

There are many options worth exploring. From complete financial aid programs to textbook scholarships, any of these programs can significantly impact your college expenses, so it’s a door worth knocking on.

Conclusion: Be Savvy and Resourceful

There is no denying that college expenses are burdensome and costly. However, the tips and tricks in this article can ease some of that weight on your shoulders. The secret lies, as always, in remaining cautious and thoughtful.

If you have a savvy mind, a proactive disposition, and a knack for budgeting, you can surf through college with fewer expenses than expected. It’s not a solution, but it is a help.

Boston University offers 3 summer journalism programs to high school students

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High school students interested in pursuing a career in journalism, writing, communications, or photography, may want to research and apply to the Boston University Summer Journalism Academy, hosted by Boston University College of Communication.

According to Ermolande Jean-Simon, Student Programs Manager Boston University Summer Journalism Academy, for fourteen years, BU’s summer program has educated high school students about critical skills in news reporting, interviewing, and writing through courses taught by award-winning working journalists, including Pulitzer Prize winners Lara Salahi and Rochelle Sharpe. Students interested in visual storytelling also have the opportunity to learn from veteran photojournalist Stephen Haines of The Boston Globe.

Regardless of which program students choose, BU’s summer program challenges high school students to step outside their comfort zone and experience life as a working journalist through one of three course pathways:

  1. an on-campus residential program from June 24 to July 12, 2024 (for students with some journalism experience);
  2. an on-campus photojournalism program from June 24 to July 12, 2024 (for students interested in visual storytelling); or
  3. a two-week learn-from-home program for high school students at all experience levels, starting June 17, July 1, and July 15.

Applications for the on-campus session are due on April 19. Applications for learn-at-home sessions starting June 17, July 1, and July 15 are due on May 10. Students who apply, are accepted, and fully registered by March 8 can save $400 off the full fee for the on-campus academy or $200 off the full fee of the learn-from-home academy.

There are limited need-based scholarships and financial aid available to students; students should email BU for more information. For more information about the Summer Journalism Academy, visit www.summerjournalism.org.

Colorado College’s unique pre-college program for high school students now accepting applications

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Will you be a rising eleventh or twelfth grade student in Summer 2024 and are you interested in the Block Plan at Colorado College? If so, then through a unique pre-college program, this upcoming summer is the ideal time for you to try Colorado College’s distinctive Block Plan, which is the hallmark of its undergraduate experience.

What is the Block Plan? In short, the Block Plan at Colorado College, which is in Colorado Springs, Colorado, allows students to study what they want, how they want, in ways that they simply cannot at any other undergraduate institution. Each course a student takes at Colorado College lasts three and a half weeks and during those three and a half weeks the student is taking that course and no others. One block is equivalent to one class on a semester plan. A class typically meets from 9:00 a.m. – 12:00 p.m., Monday through Friday, with additional class sessions for studio, labs, discussions, field trips in the afternoons. Professors have the flexibility to schedule classes in format and timing for optimal learning. Undergraduates typically take four blocks per semester and eight blocks per academic year, plus optional Half Block in the winter and Summer Session during the summer.

Why should all this matter to current high school students? Colorado College’s Pre-College Block (July 8 through 24, 2024) includes an array of academic courses, all taught by Colorado College professors and for college credit, which allows high school students entering grades 11 and 12 in Fall 2024 to get a sense of whether or not Colorado College and its Block Plan would be attractive to them for their full undergraduate experiences. Summer courses are available in areas as diverse as Introduction to Human Anatomy, Entrepreneurship & Business Management, and Introductory Astronomy: Your Place in the Universe.

Colorado College’s summer 2024 Pre-College application is open now, and need-based scholarships are available until March 1, 2024.

Fundamentals of Financial Aid for 2024

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If one sentence could sum up the state of financing an American college education in 2024 it would be, “The more things change the more things stay the same.”

While change is afoot, much remains the same. Changes are particularly pronounced with the Free Application for Federal Student Aid (FAFSA); yet, with the American economy and many other world economies faltering, it’s important to discuss not only what’s new but also what remains constant with regard to applying for and seeking aid and other sources of financing to fund study at American colleges because more and more American and international families find paying for college difficult.

Let’s dive into some definitions and discuss fundamental financial aid terminology while introducing what’s new this aid cycle and what remains the same so you can successfully navigate the process of funding an American undergraduate education as we approach 2024.

Need-Based Financial Aid
Need-based financial aid is awarded to students based on their demonstrated financial need, which is calculated through the Free Application for Federal Student Aid (FAFSA) or other financial aid applications (most notably, the CSS PROFILE, which is discussed below). Students with significant financial need may receive need-based aid in the form of grants, scholarships, work-study programs, and subsidized loans. Grants and scholarships do not need to be repaid, making them a form of “gift aid.” Need-based financial aid is designed to assist students who may not have the financial resources to afford the cost of college. It aims to make higher education accessible to those with limited means.

Merit-Based Financial Aid
Merit-based financial aid is awarded to students based on their individual achievements, abilities, and qualifications, often without regard to their financial need. Common criteria for merit-based aid include academic performance, standardized test scores, leadership, extracurricular involvement, talent, and special skills. Merit-based aid typically does not consider the student’s or their family’s financial situation when making awards. Instead, it focuses on recognizing and rewarding academic or other accomplishments. Merit-based aid is often provided in the form of scholarships and grants. These awards recognize and incentivize excellence in academics, sports, arts, or other areas. Unlike need-based aid, merit-based aid is a recognition of achievement and does not depend on the recipient’s financial circumstances. Merit-based financial aid is intended to attract and reward high-achieving students, whether academically, athletically, or in other areas. It is used by colleges and universities to recruit talented and accomplished students to their institutions.

Free Application for Federal Student Aid (FAFSA)
The Free Application for Federal Student Aid (FAFSA) is a form that students in the United States can fill out to apply for federal financial aid for college. The FAFSA is used by the U.S. Department of Education to determine a student’s eligibility for various types of financial aid, including grants, scholarships, work-study programs, and federal student loans. The information provided on the FAFSA, such as the student’s family’s income and assets, has traditionally been used to calculate what was known as the Expected Family Contribution (EFC). The EFC was measure of the student’s family’s ability to contribute to their education expenses, and it plays a crucial role in determining the amount of federal financial aid a student may receive. Yet, starting this year, the Student Aid Index (SAI) will replace the Expected Family Contribution (EFC). The SAI is a new metric to understand the relative amount that the formula estimates a student can contribute and will help clarify how much federal aid and institutional aid a student might qualify for.

As mentioned, colleges also use the FAFSA information to determine eligibility for their own institutional aid programs. It’s important for students interested in receiving aid to complete the FAFSA as early as possible each year because some forms of financial aid are awarded on a first-come, first-served basis. The FAFSA typically becomes available on October 1 for the following academic year, but this year the form is not going live until December 1 because of changes that the US Federal Government has been unable to complete on schedule.

The new FAFSA will be able to sync with data from the Internal Revenue Service to automatically populate that tax information in the forms. There will also be fewer questions for families to complete on the new FAFSA. There are different deadlines for submission that vary by state and college. To complete the FAFSA, students and their families need to provide financial and personal information, including tax returns and other financial documents.

Also worth noting is that “Contributor” is a new term being introduced on the 2024–25 FAFSA form. A contributor is anyone who is required to provide their information and signature on the FAFSA form as well as provide consent and approval to have their federal tax information transferred from the IRS directly into the form via direct data exchange. Contributor participation does not indicate financial responsibility, but everyone contributing to the FAFSA form online must have their own StudentAid.gov account. One can create an account at StudentAid.gov/fsa-id/create-account. All students and contributors will need their own StudentAid.gov account before filling out the FAFSA form. Students and families should create their accounts as soon as possible, and beginning in December 2023, a contributor can create a StudentAid.gov account without a Social Security number. Students and contributors must provide consent and approval to have their federal tax information transferred from the IRS directly into the form via data exchange. Student and contributor federal tax information will be used to determine the student’s eligibility for federal student aid, and if a student or required contributor doesn’t provide consent and approval, the student will not be eligible for federal student aid even if he or she manually enters tax information into the FAFSA form. In summary, a contributor is anyone who is required to provide information on a student’s FAFSA form, including the student, the student’s spouse, a biological or adoptive parent, or the parent’s spouse (stepparent). A contributor isn’t non-adoptive grandparents, foster parents, legal guardians, brothers or sisters, and aunts or uncles, even if they helped provide for or raise the student.

Students should go to fafsa.gov to fill out their FAFSA form in December 2023.  Students can contact the Federal Student Aid Information Center at 1-800-433-3243 if they need additional assistance. Note that it’s important to meet all school, state, and federal FAFSA deadlines. More information about deadlines can be found at StudentAid.gov/fafsa-deadlines. It’s also very important to remember your StudentAid.gov account username and password (FSA ID), which will be used to log in to complete the FAFSA form.

Another new element to the FAFSA this year: students will be able to include up to 20 colleges on the online FAFSA form, which is double the maximum of 10 allowed in previous years.

Federal Methodology (FM)
The Federal Methodology (FM) is a formula used in the United States to determine a student’s financial need for federal student aid when they complete the Free Application for Federal Student Aid (FAFSA). The FM calculates the Student Aid Index (SAI), which represents the amount of money that a student and their family are expected to contribute toward their education expenses for a specific academic year.

Here are some key points about the Federal Methodology (FM) and how it works:

  1. Income and Asset Information: The FM takes into account various financial factors, including the student’s and parents’ income and assets. This information is reported on the FAFSA.
  2. Student Aid Index (SAI) Calculation: The SAI is calculated based on a standardized formula established by the federal government. The formula considers factors such as adjusted gross income, untaxed income, and family size. It should be noted that while the EFC also factored in how many other college students were in a family, the new SAI does not do this. According to NerdWallet, the “SAI is used as part of the equation for financial need, which is found by subtracting the Student Aid Index and other financial assistance from the cost of attendance at each school. Your cost of attendance includes tuition, fees and room and board. The equation essentially looks like this: Cost of attendance – SAI – Other Financial Assistance (OFA) = Financial Need.”
  3. Need-Based Aid: The SAI is used to determine a student’s eligibility for need-based federal financial aid programs, such as the Pell Grant, Federal Supplemental Educational Opportunity Grant (FSEOG), and subsidized student loans. The formula subtracts the SAI from the cost of attendance (COA) at the student’s chosen college to determine the student’s financial need.
  4. Cost of Attendance (COA): The COA includes tuition, fees, books, supplies, room and board, transportation, and other educational expenses. It is an estimate of the total cost of attending a particular college for one academic year.
  5. Non-Need-Based Aid: Some federal financial aid programs, such as unsubsidized federal student loans and the Federal Work-Study program, are not need-based and do not rely on the SAI for eligibility. Students can generally borrow unsubsidized loans regardless of their SAI, though loan amounts may be capped based on dependency status and academic year.
  6. State and Institutional Aid: States and colleges may use their own formulas or methodologies to award state and institutional financial aid. However, the SAI calculated using the FM on the FAFSA is often used as a starting point for determining eligibility for these programs.
  7. How low can SAI go?: Interestingly, a student’s SAI can be a negative number down as low as -1,500.
  8. Other changes this year: Child support received will now count as an asset. Family farms and small businesses will now count as assets, less the family’s primary residence if also located on the farm. Finally, the number of family members in college is no longer considered in the needs analysis formula, but it is still a required question on the FAFSA form.

Overall, the Federal Methodology is a standardized way to assess a student’s eligibility for federal need-based financial aid programs, and it plays a central role in the financial aid application process in the United States.

CSS PROFILE
The CSS PROFILE (long version: College Scholarship Service PROFILE) is an additional financial aid application used by many private colleges and universities in the United States to assess a student’s eligibility for non-federal financial aid, including institutional grants, scholarships, and other forms of need-based and merit-based financial assistance. It is administered by the College Board, the same organization responsible for standardized tests like the SAT.

Here are some key points about the CSS PROFILE:

  1. Scope: The CSS PROFILE is typically required by private colleges and universities, primarily those that have substantial institutional financial aid programs. Public colleges and universities generally do not use the CSS PROFILE; they typically rely on the Free Application for Federal Student Aid (FAFSA) for determining federal financial aid eligibility.
  2. Timing: The CSS PROFILE becomes available in the fall, typically around October 1st, for the upcoming academic year. Deadlines for submission vary by college, and it’s essential for students to check each college’s specific deadline.
  3. Customized Questions: Unlike the FAFSA, which uses a standardized formula (the Federal Methodology), the CSS PROFILE allows colleges to customize the financial information they collect from applicants. This means that the questions and data requested may vary from one institution to another.
  4. Non-Custodial Parent Information: Some colleges that require the CSS PROFILE may also request financial information from a non-custodial parent, especially in cases where the student’s parents are divorced or separated.
  5. Fee: There is a fee associated with submitting the CSS PROFILE, and fee waivers may be available for eligible students. The fee can vary depending on the number of colleges or programs to which the student is sending the PROFILE.
  6. Documentation: Applicants may need to provide documentation, such as tax returns, W-2 forms, and other financial records, to support the information provided on the CSS PROFILE.
  7. Institutional Aid: The CSS PROFILE is primarily used to determine eligibility for institutional (college-specific) financial aid. Colleges may use the information provided on the PROFILE to make decisions about need-based grants and scholarships, as well as other forms of financial assistance.
  8. Supplemental Information: Some colleges may also use the CSS PROFILE to collect additional information about special circumstances or unusual expenses that could affect a student’s financial need.

It’s important for prospective college students to research the financial aid requirements of the colleges they plan to apply to, as not all schools require the CSS PROFILE. Some colleges may also have their own financial aid applications in addition to or instead of the CSS PROFILE. Students should be aware of deadlines and application requirements to ensure they are considered for all available financial aid opportunities at their chosen institutions.

Institutional Methodology
The Institutional Methodology (IM) is a financial aid calculation formula used by some colleges and universities in the United States to determine a student’s eligibility for institutional (college-specific) financial aid programs. Unlike the Federal Methodology (FM), which is used to calculate eligibility for federal financial aid, the IM is specific to the institution itself (often created with the help of data collected in the CSS PROFILE) and is used to distribute the college’s own financial aid funds.

Here are some key points about the Institutional Methodology (IM):

  1. College-Specific Formula: Each college or university that uses the IM may have its own unique formula or set of criteria for calculating a student’s financial need. This means that the IM can vary from one institution to another, and the way financial need is determined may differ.
  2. Additional Information: In addition to the information provided on the Free Application for Federal Student Aid (FAFSA), colleges using the IM may request additional financial information from the student and their family. This can include details about assets, expenses, and other factors that may be relevant to determining financial need.
  3. Institutional Aid Programs: The results of the IM calculation are typically used by the college to award its own institutional financial aid, such as scholarships, grants, and work-study opportunities. These awards are often based on factors like academic merit, athletic talent, or other criteria set by the college.
  4. Variable Award Amounts: Because the IM can vary from one institution to another, the amount of institutional aid a student is eligible for can also vary significantly depending on the college they attend. Different colleges may have different resources available for financial aid, and they may prioritize certain types of students or circumstances.
  5. Transparency: Colleges that use the IM are generally required to disclose their financial aid policies and methodologies to prospective students. This allows students and their families to understand how their financial need will be determined and how much institutional aid they may qualify for.

It’s important for students and their families to carefully review the financial aid policies and requirements of each college they are considering applying to, as these policies can have a significant impact on the affordability of attending a particular institution. Some colleges may use only the federal FM to determine financial need, while others may use both the FM and their own IM, or they may rely solely on the IM.

Pell Grants
Pell Grants are need-based federal financial aid awards provided to eligible undergraduate students in the United States to help them pay for their college education. These grants are administered by the U.S. Department of Education and are a crucial source of financial assistance for many low-income and some middle-income students pursuing higher education.

Here are some key features of Pell Grants:

  1. Need-Based Aid: Pell Grants are awarded based on financial need, as determined by the Student Aid Index (SAI) calculated from the student’s Free Application for Federal Student Aid (FAFSA).
  2. Eligibility Criteria: Eligibility for Pell Grants is primarily determined by factors such as the student’s SAI, enrollment status (full-time or part-time), the cost of attendance at their chosen college, and their plans to attend college for a full academic year or less. Students must also meet certain citizenship and educational requirements.
  3. Award Amounts: The maximum Pell Grant award amount is set annually by the U.S. Congress. The actual amount a student receives depends on their financial need, as well as the cost of attending their college. Students with higher financial need may receive a larger Pell Grant.
  4. Annual Limits: Pell Grants have an annual limit, and students can receive these grants for a maximum of 12 semesters (or the equivalent). The number of semesters a student can receive a Pell Grant depends on factors such as enrollment status and the number of semesters they attend college each year.
  5. Non-Repayable: Pell Grants are considered gift aid, which means they do not have to be repaid by the student. This makes them a valuable source of financial assistance, as they reduce the student’s out-of-pocket expenses for tuition, fees, books, and other educational costs.
  6. Application: To be considered for a Pell Grant, students must complete the FAFSA (Free Application for Federal Student Aid). The FAFSA is used to determine eligibility not only for Pell Grants but also for other federal, state, and institutional financial aid programs.
  7. Additional Aid: Pell Grants are often part of a student’s overall financial aid package, which may include other forms of aid such as scholarships, work-study opportunities, and federal student loans.

Pell Grants are intended to help make higher education more accessible to students with financial need, allowing them to pursue their educational goals without the burden of significant debt. The specific award amounts and eligibility criteria can change from year to year, so it’s important for students to stay informed about the latest information regarding Pell Grants and other financial aid opportunities. With the new FAFSA, Pell Grant eligiblity is expanding to more students.

Other Tuition Grants
Pell Grants are just one type of grant. A tuition grant is a form of financial aid provided by a college, university, or other educational institution to help offset the cost of tuition for students. Tuition grants are a type of financial assistance that does not need to be repaid, making them a valuable resource for students seeking to make higher education more affordable.

Here are some key points to understand about tuition grants:

  1. Source: Tuition grants are typically offered and funded directly by the educational institution itself. Some colleges and universities have their own grant programs to provide financial assistance to students, while others may receive funding from external sources, such as private donors or foundations, to offer grants to eligible students.
  2. Eligibility: Eligibility criteria for tuition grants can vary widely from one institution to another. Common factors considered may include financial need, academic merit, specific talents or skills, demographic characteristics, or a combination of these factors.
  3. Financial Need: Some tuition grants are need-based, meaning they are awarded to students who demonstrate financial need based on the institution’s assessment of their family’s financial resources. These grants are often intended to make education more accessible to students from low-income backgrounds.
  4. Merit-Based: Other tuition grants are merit-based, awarded to students who have achieved outstanding academic, athletic, artistic, or other accomplishments. Merit-based grants are often used to attract talented and high-achieving students to the institution.
  5. Specific Programs: In some cases, institutions offer tuition grants for students pursuing specific programs or fields of study. For example, a college may offer grants to students majoring in STEM (science, technology, engineering, and mathematics) disciplines to encourage enrollment in these fields.
  6. Application Process: To be considered for a tuition grant, students typically need to complete the institution’s financial aid application or scholarship application. This may include providing information about their academic achievements, extracurricular involvement, financial circumstances, or other relevant factors.
  7. Award Amounts: The amount of a tuition grant can vary widely. Some grants may cover a significant portion of tuition expenses, while others may be smaller and provide partial assistance.
  8. Renewability: Some tuition grants are renewable for multiple years, provided that the student continues to meet specific criteria, such as maintaining a certain GPA or making satisfactory academic progress.
  9. Impact on Financial Aid Package: Students should be aware that receiving a tuition grant may affect their overall financial aid package, including other forms of financial aid such as federal or state grants, work-study opportunities, and loans.

Tuition grants are an important tool that colleges and universities use to make education more accessible and to attract and retain talented students. Students interested in tuition grants should research the specific grant opportunities offered by the institutions they are considering and follow the application procedures and deadlines provided by those institutions.

Subsidized Student Loans
Subsidized student loans are a type of federal student loan available to undergraduate students in the United States with demonstrated financial need. These loans are known as “subsidized” because the federal government pays the interest that accrues on the loan while the borrower is in school and during certain other periods of deferment.

Here are some key features of subsidized student loans:

  1. Financial Need: To qualify for a subsidized student loan, students must demonstrate financial need through the Free Application for Federal Student Aid (FAFSA).
  2. Interest Subsidy: The unique feature of subsidized loans is that the federal government pays the interest that accrues on the loan while the borrower is enrolled at least half-time in college, during the six-month grace period after leaving school, and during deferment periods (such as if the borrower returns to school or experiences economic hardship). This interest subsidy means that the loan balance does not grow while the borrower is in school or during eligible deferment periods.
  3. Loan Limits: Subsidized student loans have annual and aggregate (lifetime) loan limits. These limits depend on the student’s year in school (e.g., freshman, sophomore) and whether they are considered a dependent or independent student. The limits can change annually based on federal regulations.
  4. Repayment: Repayment of subsidized loans typically begins six months after the borrower graduates, leaves school, or drops below half-time enrollment. During the in-school and grace periods, as well as during deferment, the borrower is not required to make interest payments, and the interest that accrues is paid by the federal government.
  5. Fixed Interest Rate: Subsidized loans have a fixed interest rate set by Congress. The rate may change annually for new loans, but once a loan is disbursed, the interest rate remains fixed for the life of the loan.
  6. Loan Forgiveness: Subsidized loans are eligible for various federal loan forgiveness and income-driven repayment programs that can help borrowers manage their loan debt if they qualify based on their income and employment status.

Subsidized student loans are considered one of the more favorable options for financing a college education because of the interest subsidy, which reduces the overall cost of borrowing. However, eligibility for subsidized loans is based on financial need, and there are annual and lifetime limits on the amount a student can borrow. It’s important for students to be aware of their borrowing limits, understand the terms of their loans, and explore other forms of financial aid (such as grants and scholarships) before taking out loans to pay for college expenses.

Unsubsidized Student Loans
Unsubsidized student loans are a type of federal student loan available to both undergraduate and graduate students in the United States. Unlike subsidized loans, unsubsidized loans are not based on financial need, and interest begins accruing on these loans as soon as they are disbursed.

Here are some key features of unsubsidized student loans:

  1. No Financial Need Requirement: Unlike subsidized loans, which are need-based, unsubsidized loans are available to all eligible students regardless of their financial need. This means that students do not have to demonstrate financial need to qualify for these loans.
  2. Interest Accrual: The major distinction of unsubsidized loans is that interest begins accruing on the loan from the moment it is disbursed to the borrower. This is in contrast to subsidized loans, where the federal government pays the interest while the borrower is in school and during certain other deferment periods.
  3. Interest Capitalization: While borrowers are not required to make interest payments while they are in school, during their grace period, or during certain deferment periods, the accruing interest is capitalized or added to the loan’s principal balance when repayment begins. This means that the borrower ends up paying interest on the interest that has accrued.
  4. Loan Limits: Unsubsidized loans have annual and aggregate (lifetime) loan limits that vary depending on the student’s year in school and whether they are a dependent or independent student. These limits are set by federal regulations and can change over time.
  5. Fixed Interest Rate: Unsubsidized loans have a fixed interest rate set by Congress. While the rate may change for new loans each year, once a loan is disbursed, the interest rate remains fixed for the life of the loan.
  6. Repayment: Repayment of unsubsidized loans typically begins six months after the borrower graduates, leaves school, or drops below half-time enrollment. Borrowers are responsible for repaying both the principal amount borrowed and the accrued interest.
  7. Loan Forgiveness and Repayment Plans: Unsubsidized loans are eligible for various federal loan forgiveness programs and income-driven repayment plans. These programs can help borrowers manage their loan debt based on their income and employment status.

It’s important for students to be aware of the terms and conditions of their unsubsidized loans, including the interest that will accrue over time. While these loans provide important access to funding for education, borrowers should consider their overall financial situation and explore other sources of financial aid, such as grants and scholarships, before taking out loans to pay for college expenses.

Private Student Loans
Private student loans, or alternative student loans, are educational loans offered by private financial institutions such as banks, credit unions, and online lenders to help students and their families cover the cost of higher education. These loans are distinct from federal student loans, which are offered by the U.S. Department of Education.

Here are some key features of private college loans:

  1. Lender Variety: Private college loans can be obtained from a variety of private financial institutions. This includes banks, credit unions, online lenders, and some state-based lending programs. Each lender may have its own terms and conditions, interest rates, and eligibility criteria.
  2. Credit-Based: Private student loans are typically credit-based, which means that the borrower’s creditworthiness plays a significant role in the approval process. A good credit history may lead to lower interest rates, while those with limited credit or poor credit may require a co-signer to qualify.
  3. Interest Rates: The interest rates on private college loans can be variable or fixed, depending on the lender and loan product. Variable rates can change over time, potentially leading to higher or lower monthly payments, while fixed rates remain constant for the life of the loan.
  4. Loan Limits: Private college loans may have higher borrowing limits compared to federal student loans, allowing students to borrow more to cover their educational expenses. However, borrowers should exercise caution when taking on excessive debt.
  5. Loan Terms: Private loan terms vary but are often less flexible than federal loans. Borrowers may have fewer options for repayment plans and may not be eligible for federal loan forgiveness or income-driven repayment programs.
  6. Cosigners: Many private lenders require a creditworthy cosigner, especially for undergraduate students and borrowers with limited credit history. A cosigner is legally responsible for the loan if the primary borrower cannot make payments.
  7. Application Process: Applying for private college loans typically involves submitting an application to the lender, providing financial information, and consenting to a credit check. The approval process can vary in length.
  8. Use of Funds: Private loans can be used to cover a wide range of educational expenses, including tuition, fees, room and board, textbooks, and other related costs.
  9. Less Generous Repayment Options: Private loans often have less generous repayment terms than federal loans. Borrowers may need to start making payments while still in school, and they may not have access to income-driven repayment plans or loan forgiveness options.
  10. Interest Capitalization: Some private loans may capitalize interest during periods of deferment or forbearance, adding accrued interest to the loan balance.

Private college loans can be a valuable resource for students who have exhausted federal loan options or have specific needs not met by federal aid programs. Yet, it’s essential for borrowers to carefully compare private loan terms, interest rates, and repayment options before taking out these loans, as they may not offer the same protections and benefits as federal student loans.

Third Party Scholarships
Third-party college scholarships are financial awards given to students by organizations, institutions, companies, or individuals other than the college or university the student plans to attend. These scholarships are typically offered to help students cover the costs of their education, including tuition, fees, books, and living expenses. Here are some key points to understand about third-party college scholarships:

  1. Source of Funding: Third-party scholarships can come from a variety of sources, including private foundations, nonprofit organizations, corporations, community groups, and even individuals who want to support students’ educational goals.
  2. Selection Criteria: Scholarships often have specific eligibility criteria, such as academic achievement, leadership qualities, community involvement, or specific career goals. Some scholarships may also be based on financial need.
  3. Application Process: To apply for third-party scholarships, students typically need to complete an application that includes personal information, academic records, essays, letters of recommendation, and other required documents. Some scholarships may require interviews or additional steps.
  4. Competition: Many scholarships are highly competitive, as they attract applicants from a wide pool of students. It’s important for students to carefully review the requirements and tailor their applications to stand out.
  5. Award Amounts: The amount of money awarded through third-party scholarships can vary widely. Some scholarships may cover a significant portion of a student’s expenses, while others may provide smaller awards.
  6. Use of Funds: Scholarship funds are typically intended to be used for educational expenses, such as tuition, fees, books, and living costs. Some scholarships may have restrictions on how the money can be used.
  7. Renewability: Some scholarships are one-time awards, while others are renewable for multiple years as long as the recipient continues to meet the specified criteria.
  8. Deadline: Each scholarship will have its own application deadline, which may vary depending on the organization offering the scholarship. It’s important for students to pay attention to these deadlines to ensure they don’t miss out on opportunities.
  9. Impact on Financial Aid: It’s important for students to inform their college or university’s financial aid office if they receive a third-party scholarship, as it can affect the overall financial aid package. In some cases, the college may adjust other forms of financial aid to avoid over-awarding.
  10. Search Resources: Students can search for third-party scholarships through various resources, including scholarship search websites, their high school guidance counselor, college financial aid offices, and community organizations.

Overall, third-party college scholarships can be a valuable source of financial support for students pursuing higher education, as they can help alleviate the financial burden of attending college and make education more accessible to a wider range of students. Yet, the amount of time and energy needed to apply for and ultimately secure such scholarships may not be worth it relative to the often larger pots of money students can access elsewhere through other sources of aid.

Need-Blind vs. Need-Aware
“Need-aware” and “need-blind” are terms used in the college admissions process to describe how an institution considers a student’s financial need when making admission decisions. These policies can have a significant impact on a student’s chances of being admitted and the level of financial aid they may receive.

Here’s what each term means:

  1. Need-Aware Admissions:
    • Definition: Under a need-aware admission policy, the college or university takes into consideration a student’s financial need when making admission decisions. In other words, the institution is aware of the applicant’s financial situation and may consider their ability to pay tuition and related expenses as a factor in the admissions process.
    • Impact: Need-aware institutions may admit some students without considering their financial need, especially those who are exceptionally qualified or meet other specific criteria. However, when it comes to students whose qualifications are on the borderline or are not as strong, financial need can play a role in the decision-making process. In some cases, this means that students with high financial need may have a more challenging time gaining admission, particularly if the institution has limited financial aid resources.
  2. Need-Blind Admissions:
    • Definition: Under a need-blind admission policy, the college or university does not take an applicant’s financial need into account when making admission decisions. The institution makes admission decisions solely based on the applicant’s academic achievements, extracurricular activities, recommendations, essays, and other non-financial factors.
    • Impact: Need-blind institutions admit students without regard to their financial circumstances. This policy often means that the admissions process is more focused on the student’s qualifications and potential contributions to the academic community. Once a student is admitted, the institution commits to meeting their demonstrated financial need through a combination of grants, scholarships, work-study programs, and loans.

It’s important to note that not all colleges and universities have a strict need-aware or need-blind policy. Some institutions may adopt a hybrid approach, where they are need-blind for domestic applicants but need-aware for international applicants, or vice versa. Additionally, an institution’s financial resources and endowment can play a role in whether they can afford to be need-blind in their admissions process. Students and their families should research the specific admission and financial aid policies of the colleges they are interested in to understand how these policies may affect their chances of admission and the level of financial aid they can expect to receive if admitted.

So, What About Aid Available At Colleges On My List?
As you could probably tell by reading up to this point, the types and amount of aid students can expect varies a great deal based on both the student and the colleges the student is applying to. While no article can become fully personalized to tens of thousands of readers’ unique economic and demographic backgrounds, there are only so many colleges out there, which makes honing in on and better understanding individual college aid statistics so valuable. My favorite sources of such powerful financial aid data are Jennie Kent and Jeff Levy who publish amazing Domestic Undergraduate Need-Based Aid and Merit Aid Stats and Financial Aid for Nonresident Alien Undergraduates Stats each year. Otherwise, it can’t be emphasized often enough, if you have any questions about how a particular college on your list administers or handles financial aid, I strongly encourage you to call or email that college’s financial aid office; nearly all colleges have financial aid officers working Monday through Friday whose job it is to answer prospective and current families’ questions. Take advantage of these expert sources of information at the colleges on your (or your student’s) list so you are able to navigate the the college and financial aid application processes with eyes wide open. Good luck!

Additional Federal Resources
StudentAid.gov
Information, resources, and guidance for students, contributors, and borrowers

Financial Aid Toolkit
Find outreach tools to help guide others through changes to the FAFSA process

FAFSA® Changes: An Overview
A webinar that discusses contributors, the StudentAid.gov account requirement, and providing consent and approval to transfer federal tax information from the IRS via direct data exchange.

2024 –25 FAFSA Preview Presentation
An overview designed to help you understand the 2024-2025 FAFSA form and prepare for FAFSA outreach and events. This presentation includes detailed screenshots of the 2024 –2025 FAFSA online form and new user experience.

YouTube.com/@FederalStudentAid
Review the FAFSA video playlists that will be posted the FAFSA’s YouTube channel, which are helpful resources for students and families.

Becoming an RN in Pennsylvania: A Guide for High School Graduates

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As you prepare to graduate from high school, or even as late as your time as an undergraduate or in the weeks, months, or years after you’ve earned your undergraduate degree, you may find yourself wondering about your next steps. One exciting option is to consider becoming a registered nurse (RN). As an RN, you become an integral part of the healthcare system by assisting individuals in their recovery from illnesses and injuries.

Nursing, as a career, is in high demand across the US, and particularly in Pennsylvania. The Hospital and Healthcare Association of Pennsylvania notes that both in the state and across the country, there is a shortage of qualified healthcare professionals to meet the increasing demand for care.

Pennsylvania is facing one of the most significant workforce shortages in the nation due to factors such as the aging and retiring healthcare workforce and a more significant number of patients requiring acute care. This highlights the urgent need for skilled nurses to fill the gaps and provide quality healthcare services to meet the growing healthcare needs of the population.

Yet, becoming an RN requires education beyond a high school diploma.

Below, you’ll gain a clear understanding of how to pursue a career as an RN in Pennsylvania, which will equip you with the knowledge needed to embark on a successful journey in the nursing profession.

Research Nursing Programs in Pennsylvania

Exploring and gathering information about appropriate nursing programs available in your state is essential to begin your journey toward becoming an RN.

When researching nursing programs in Pennsylvania, consider the following points:

  • Explore both associate degree in nursing (ADN) and bachelor of science in nursing (BSN) programs.
  • Compare the admission requirements of each program, including prerequisites, GPA expectations, and any required standardized tests.
  • Evaluate the curriculum of each program to ensure it aligns with your educational and career goals.
  • Check the accreditation status of the nursing programs to ensure they meet the necessary quality standards.
  • Consider factors such as program length, class sizes, clinical experiences, and opportunities for specialization or advanced study.
  • Research the reputation and success rates of graduates from each program, including their employment rates and passing rates on licensure exams.
  • Take note of the location and accessibility of the nursing programs, considering factors like commuting, housing, and proximity to healthcare facilities for clinical rotations.
  • Seek out information on available resources and support services, such as tutoring, counseling, and career guidance.

By thoroughly researching and comparing nursing programs, you can make an informed decision and choose the program that best fits your aspirations and educational needs.

Meet the Nursing Admission Requirements

To begin your journey toward becoming a registered nurse, it’s essential to understand the admission requirements of the nursing programs you’re interested in. These requirements usually include having a high school diploma or its equivalent.

Additionally, you may need to complete prerequisite courses like biology and chemistry. Some programs might also consider your minimum GPA and standardized test scores, such as the SAT or ACT.

It’s crucial to carefully review the specific admission criteria for each program to ensure you meet the necessary qualifications. By fulfilling these requirements, you’ll be one step closer to pursuing your dream of becoming a registered nurse in Pennsylvania.

Consider Direct Entry BSN Programs

Holy Family University notes that one way to become a qualified nurse is to join an accelerated BSN program available at some universities. These programs cater to students who have already earned a bachelor’s degree in a non-nursing field.

Referred to as “accelerated BSN programs,” they provide a faster route for career changers or those seeking a second degree to become registered nurses. These programs compress the traditional nursing curriculum into an intensive and condensed timeframe, allowing students to build upon their existing knowledge while acquiring the necessary nursing skills.

Accelerated BSN programs in Pennsylvania offer a streamlined pathway for motivated individuals to transition into the nursing profession efficiently and effectively.

Apply for Financial Aid and Scholarships

Financial aid is a great way to help you pay for your nursing degree. You can look into federal grants, loans, and scholarships available for aspiring nurses. Seek out scholarships specifically designed for nursing students in Pennsylvania, offered by professional nursing organizations, hospitals, and foundations.

These scholarships can provide valuable financial assistance to cover tuition costs, textbooks, and other educational expenses. By taking advantage of financial aid and scholarships, you can make your nursing education more affordable and accessible. It will also ensure that financial constraints do not hinder your path to becoming a registered nurse.

Obtain State Licensure

To work as a registered nurse (RN) in Pennsylvania, you must obtain a state license.

As stated by Nurse.org, after finishing your ADN or BSN program, you become eligible to take the National Council Licensure Examination (NCLEX-RN) to obtain your RN license. If it’s your first time taking the NCLEX, you can schedule the exam within 30 days of becoming eligible. The test typically takes a little over four hours to complete.

It’s essential to familiarize yourself with the licensure requirements and the application process, including submitting an application, paying a fee, and providing the necessary documentation. By understanding the steps involved, you can prepare yourself for success in this final phase of becoming a qualified nurse in Pennsylvania.

Consider Further Education in Nursing

Although obtaining an Associate Degree in Nursing (ADN) or a Bachelor of Science in Nursing (BSN) qualifies you to become a registered nurse, it’s worth contemplating the advantages of pursuing even higher education in the field.

Furthering your education can bring many benefits. According to Fortune obtaining a Master’s degree in nursing (MSN) expands your career prospects, offering opportunities in leadership, academia, research, and specialized roles.

With an advanced degree, nurses can pursue weekday jobs instead of working alternating weekends and enduring 12-hour shifts. Besides improving work-life balance, completing a higher education program can also enhance earning potential.

Conclusion

As a high school graduate embarking on becoming a registered nurse in Pennsylvania, you now possess a comprehensive guide to help you navigate this rewarding journey. Understanding the necessary steps will help you lay the groundwork for a successful nursing career.

As you embark on this fulfilling profession, embrace a commitment to lifelong learning and dedication to providing compassionate care to patients. With determination and passion, you can make a meaningful impact in the healthcare system, improving the lives of individuals and contributing to the well-being of communities in the state.

Breaking Down International Admissions: Tips for Prospective Students

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Conquering the international admissions process might seem like an insurmountable task with all the various applications, requisites, and factors to take into account. However, to help make the process less intimidating, let’s break down the fundamental components of international admission and discuss some useful tips to streamline the process.

In this article, we’ll explore the top trends in international admissions and give prospective students some guidance on how to embark on their study abroad journeys.

What Are The Key Differences Between U.S. and International Admissions?

Navigating the international admissions process can be like trying to solve a complex puzzle, while domestic students enjoy a  simpler application process. International students have to jump through a few more hoops, like providing academic records from accredited institutions translated into English and meeting certain English language test score requirements.

Beyond that, international students also need to show proof of financial support to ensure they can afford tuition and living expenses while studying abroad. It’s a bit of a hassle, but it’s worth it to join the global network of students seeking education around the world.

For international students hoping to attend a university, there are several extra hoops to jump through. Along with the usual application requirements, these students may have to provide proof of their language abilities, write more essays, gather more recommendation letters, and even participate in an interview. It’s a lot of work, but for those who are determined to see the world and further their education, its well worth the effort.

In order to avoid any hiccups in the college application process as an international student, it’s key to keep a close eye on the various requirements and deadlines set by universities worldwide.

By taking the time to understand the distinction between US and international admissions procedures, aspiring scholars can ensure a smooth application process and an opportunity for unparalleled academic growth.

What Are The Latest Trends In International Admissions?

The world of higher education has undergone a major transformation in the past few years, which has had a significant impact on international students’ preferences.

Nowadays, there are numerous options available for students to choose from, making the selection process more challenging than ever. As a result, there are many factors that students need to consider before deciding on a university that suits their needs and aspirations.

Have you ever dreamed of pursuing a degree from a prestigious university, but couldn’t because of your location or schedule?

Well, with the rise of online and distance learning options, that dream may now be a reality! As technology evolves, universities worldwide are shifting towards virtual education, enabling students to study and learn from the comfort of their own homes.

Imagine being able to attend lectures, complete assignments, and even earn a degree from a top-notch institution, regardless of where you are in the world. This trend is revolutionizing the way we think about education and making it more accessible than ever before.

Studying abroad has never been easier thanks to the rise of flexible study programs. Students can now travel the world while seamlessly transferring between universities. And for those who want the best of both worlds, hybrid programs offer a mix of online classes and traditional classroom instruction. The sky is the limit when it comes to exploring the world while earning an education.

In recent years, there has been a surge in the number of students who want to study abroad. This trend has emerged as more and more international students seek higher education opportunities outside of their home countries. As a result, a growing number of students are applying for international admission to pursue their academic dreams.

Nowadays, universities are going the extra mile to attract international students. They are rolling out the red carpet by crafting tailor-made scholarships, providing customized language classes and cultural exchange programs, and stepping up their game at education expos and other recruitment events. In short, universities are going all out to make sure international students feel welcome and supported.

By keeping up with the latest international enrollment trends, students can gain a competitive edge in the cutthroat world of university admissions. Armed with this knowledge, prospective students can make informed decisions about which institution to attend. As the stakes get higher and competition increases, it’s important to stay ahead of the curve and give yourself the best chance for success. So if you’re considering higher education, be sure to do your homework and stay up to date on the latest trends. Your future self will thank you.

Understanding Financial Requirements

Ensuring you have the funds to cover your international study experience is crucial. Not only do tuition fees vary between universities and programs, but living expenses can add up quickly. It’s important to research costs beforehand and plan accordingly. Keep in mind expenses like housing, food, transportation, and other daily necessities. Remember, being financially prepared can make all the difference in your international study journey.

  • Proof of Funds

Most universities require proof of funds before accepting your application. This may include bank statements, documents from sponsors or donors, or evidence of scholarships or loans. Before applying, make sure you understand the specific requirements of your school or program.

  • Strategies for Demonstrating Financial Capability

There are several strategies you can use to prove your financial ability when applying for international admission. Scholarships and bursaries are a great way to reduce tuition and living costs. If you can’t find any scholarships, you may be eligible for a loan from your home country or the university itself. In addition, some colleges offer work-study programs or allow students to work part-time to help pay for their studies.

  • Navigating the Financial Aid Process 

The financial aid process can be confusing and overwhelming. Learning about the different types of financial aid available and researching possible sources of aid are critical steps in the admissions process. For more information and instructions, contact the university’s financial aid office.

  • Preparing for the Transition

When it comes to preparing for international admissions, there is a lot to consider. The transition to a new country can be overwhelming, but with the right preparation, you can make the process smoother and more enjoyable. Here are some tips for making the transition a successful one:

  • Get familiar with the culture, climate, and educational system of your chosen country before you arrive. Research the cultural norms and etiquette, as well as the school’s grading system and classroom expectations.
  • Start networking with potential peers and faculty members in your new country. Make use of available social media channels and platforms to connect with other students and academics who can provide support during your studies.
  • Begin looking for accommodation early on so that you have plenty of time to secure a place to stay. Consider living arrangements such as hostels, university halls of residence, or off-campus housing.
  • Develop a budget for your time abroad so that you can manage your finances effectively and know how much you can expect to spend on things such as food, books, and transportation.

Securing Student Visas

When it comes to studying abroad, getting a student visa is no small feat. Navigating the visa requirements can be a daunting task, especially since each country’s regulations are different. That’s why it’s crucial to do your research ahead of time to make sure you have everything you need. Depending on your level of education and your goals, you might need a long-term or short-term student visa. By understanding what kind of visa you need and how to apply for it, you’ll be one step closer to embarking on an exciting educational journey abroad.

Want to study abroad? Applying for a student visa can be a daunting process, but with the right preparation, it doesn’t have to be. To increase your chances of success, you’ll need to submit materials like an acceptance letter and proof of financial ability. And don’t forget about the interview! Be sure to practice your answers to common questions beforehand to impress the visa officer.

Tips for Prospective Students

When it comes to international admissions, there are several important steps prospective students should take. First, it’s important to thoroughly research the school or university you’re applying to. Be sure to read their entry requirements and application process schedule. If you need a visa to study in the country you are applying to, it is important to start the visa process as soon as possible, as it can take a long time.

When applying to universities abroad, there are a few things you should keep in mind to make your application stand out. First and foremost, it’s essential to brush up on the language and culture of the country you’re applying to. This may involve taking language classes or familiarizing yourself with the customs and social norms of the destination. Additionally, don’t overlook the possibility of financial aid or scholarships – many universities have special programs for international students. So, ask around and see if you qualify for any of these opportunities!

To make your study abroad dream a reality, don’t just focus on the logistics. Take some time to get to know the language and culture of your desired destination. This will not only help you adjust more easily, but also create better connections with locals. And don’t forget to explore scholarship and financial aid options specific to international students – you never know what opportunities may be available to you!

Finally, make sure your application is complete and up to date. Keep track of all deadlines and be sure to include all required documents when submitting your application. By doing this, you can ensure that your application is processed quickly and accurately.

With a little bit of preparation and research, you can make your dream a reality. Follow these helpful tips and you’ll be on your way to finding the perfect international study destination in no time. Don’t let anxiety hold you back – start your journey today with confidence!

Embarking on an overseas education pathway can seem like a long and winding road with complex admission procedures. However, equipping yourself with knowledge about the nuances between US and international admissions and staying on top of the latest trends can ease the journey. Do some groundwork, seek out helpful sources, maintain a structured approach, and above all, take the initiative to be ahead of the game. With the right mindset and preparation, your global academic endeavor can be an enriching and rewarding experience.

Visit 26 American colleges all at once through Midwest College Showcase

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The American Midwest offers much more than just fertile and beautiful farmland.

Too many students and parents find it time consuming to sign up for in-person and virtual visits to colleges they are considering. Well, twenty-six colleges in the United States have joined forces to make it easier for you to learn a lot about diverse colleges in on action-packed two-hour period.

The Midwest College Showcase brings together twenty-six institutions with admissions officers ready to answer your questions about undergraduate life and the application process at their colleges.

The following colleges and universities will be represented:

Some of these colleges are quite selective while others are not, but one thing they all have in common is a focus on undergraduate education and the liberal arts.

Admissions officers will be with you LIVE, available to answer all of your questions about college including how to apply, how to earn scholarships, and what makes each institution right for you.

Mark your calendars for the two showcase times:

April 19, 6:00 p.m. – 8:00 p.m. Eastern (3:00 p.m. – 5:00 p.m. Pacific)
April 20, 7:00 p.m. – 9:00 p.m. Eastern (4:00 p.m. – 6:00 p.m. Pacific)

To sign up for this free event, access this registration form and select your preferred date.

And just like that you no longer have an excuse to avoid virtually visiting some wonderful colleges located in the middle of the United States.

Comparing Arizona State University and University of Arizona

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ASU’s Sun Devil Football Stadium in Tempe, Arizona.

Arizona State University (ASU) and the University of Arizona (UA) are both well-respected public universities located in the southwestern United States. Yet, there are several key differences between the two institutions that prospective undergraduate students should consider when making a decision about where to enroll.

Size: One of the major differences between ASU and UA is the size of their respective campuses. ASU is the largest public university in the country, with an in-person student body of over 77,000 students spread over several campuses throughout the Phoenix metropolitan area. In contrast, UA has a student body of around 44,000 students and is located in Tucson, Arizona. This difference in size can impact the overall campus culture, with ASU offering a more diverse and eclectic community, while UA offers a more intimate and close-knit campus experience. ASU also has tens of thousands of students completing programs online, whereas UA has only 7,500 online students.

Academic Program Overview: Both ASU and UA offer a wide range of undergraduate academic programs, but each has its own strengths and areas of focus. ASU is known for its programs in sustainability, business, and engineering, among others, while UA is particularly strong in areas such as science, medicine, and the arts. Prospective students should research each institution’s individual academic programs and departments to determine which one is the best fit for their academic interests and goals.

Degree Offerings: Both ASU and UA offer a wide range of undergraduate majors, covering a variety of disciplines including arts and humanities, business, education, engineering, health sciences, and social sciences. At ASU, students can choose from over 250 undergraduate majors, while at UA, students can choose from over 300 majors. Both universities also offer a variety of interdisciplinary programs and opportunities for students to design their own majors.

Research Opportunities: Both ASU and UA offer students the opportunity to engage in undergraduate research, providing them with hands-on experience in their field of study. At ASU, the Undergraduate Research Opportunities Program (UROP) provides students with funding and support to conduct research projects in a variety of disciplines. At UA, the Undergraduate Research Opportunities Consortium (UROC) provides similar opportunities for students to engage in research projects, including funding and mentorship from faculty.

Internships and Co-Op Programs: Both ASU and UA offer students the opportunity to participate in internships and co-op programs, providing them with real-world experience in their field of study. At ASU, the Career and Professional Development Services office provides students with access to a variety of internship and co-op opportunities, both on- and off-campus. At UA, the Career Services office provides similar resources and opportunities for students to gain hands-on experience in their field.

Faculty and Resources: Both ASU and UA offer students access to a talented and dedicated faculty, as well as a range of resources and facilities to support their academic and professional goals. At ASU, students have access to state-of-the-art facilities and resources, including the Biodesign Institute, the Walter Cronkite School of Journalism and Mass Communication, and the Herberger Institute for Design and the Arts. At UA, students have access to a similar range of facilities and resources, including the Biosphere 2 research facility, the School of Journalism, and the Fred Fox School of Music.

Undergraduate Honors Programs: Arizona State University (ASU) and the University of Arizona (UA) both offer undergraduate honors programs for high-achieving students. These programs provide students with a more rigorous and challenging academic experience, as well as a variety of opportunities for research, community engagement, and leadership development. In this comparison, we will explore the similarities and differences between the honors programs at ASU and UA.

  • Curriculum: Both ASU and UA offer honors programs that are designed to challenge students with rigorous coursework, research opportunities, and hands-on learning experiences. At ASU, the Barrett Honors College offers students access to a variety of honors courses, as well as research and leadership opportunities. Students in the Barrett Honors College are also required to complete a capstone project, which can take the form of a thesis, research project, or community engagement project. At UA, the Honors College offers a similar curriculum, with a focus on interdisciplinary coursework, research, and community engagement. Students in the Honors College at UA are also required to complete a capstone project.
  • Community: Both ASU and UA offer honors programs that are designed to create a close-knit community of high-achieving students. At ASU, the Barrett Honors College offers students the opportunity to live in dedicated honors housing, participate in honors-only events and activities, and connect with a network of alumni and community leaders. At UA, the Honors College offers similar opportunities for students to connect with their peers and engage in community activities.
  • Facilities: Both ASU and UA offer honors programs that are housed in dedicated facilities on their respective campuses. At ASU, the Barrett Honors College is located in the heart of the Tempe campus and provides students with access to dedicated study spaces, meeting rooms, and lounges. At UA, the Honors College is housed in the Student Union building, providing students with access to a variety of resources, including advising services, tutoring, and study spaces.
  • Support Services: Both ASU and UA offer honors programs that provide students with a variety of support services to help them succeed academically and professionally. At ASU, the Barrett Honors College offers students access to a dedicated team of advisors, tutors, and career services professionals. At UA, the Honors College offers similar support services, including advising, tutoring, and career services.

Campus Highlights:

Arizona State University campus.

Arizona State University:

ASU from above.

  • Memorial Union: The Memorial Union is the heart of the ASU campus and a popular gathering place for students. It features a variety of dining options, study spaces, and recreational facilities, including a bowling alley and movie theater.
  • The Hayden Lawn: The Hayden Lawn is a large, open green space on the ASU campus, perfect for picnics, studying, or just relaxing in the sun. It is also the site of many campus events and festivals throughout the year.
  • The Sun Devil Fitness Complex: The Sun Devil Fitness Complex is a state-of-the-art facility that offers a wide range of exercise and recreation options, including cardio equipment, weight rooms, indoor tracks, and more.
  • The Art Museum: The ASU Art Museum is a world-class facility that features exhibitions of contemporary and modern art, as well as a variety of educational programs and events.

University of Arizona:

A nice view of the University of Arizona’s Tucson campus.

Tucson, Arizona is home to UA

  • The UA Mall: The UA Mall is the heart of the UA campus and a popular gathering place for students. It is a large open green space that is surrounded by many of the university’s most iconic buildings.
  • Student Union Memorial Center (SUMC): The SUMC is a large student center that features a variety of dining options, study spaces, and recreational facilities, including a game room and movie theater.
  • Arizona Stadium: Arizona Stadium is the home of the UA football team and a popular gathering place for students on game days. It offers a variety of seating options, including student sections and VIP suites.
  • Biosphere 2: Biosphere 2 is a research facility located on the UA campus that is dedicated to exploring and understanding the world’s ecosystems. It is open to the public and offers a variety of educational programs and events.

Student Life: Another key difference between ASU and UA is their respective campus cultures and student life experiences. ASU is known for its vibrant student life, with over 500 student organizations, a thriving Greek community, and a robust intramural sports program. UA also offers a rich student life, with a variety of clubs and organizations, as well as a strong Greek community and athletic programs. However, the campus culture at UA is often described as being more laid-back and outdoorsy, while ASU is known for its bustling and energetic atmosphere.

Athletics: Both ASU and UA have successful athletic programs and a strong tradition of school spirit. ASU is a member of the Pac-12 Conference and fields teams in 19 varsity sports, including football, basketball, baseball, and golf. The ASU Sun Devils have won multiple conference championships and have a strong following among students, alumni, and fans. UA is also a member of the Pac-12 Conference and fields teams in 21 varsity sports, including football, basketball, baseball, and soccer. The UA Wildcats are known for their fierce competitiveness and have a dedicated fan base that supports the teams.

School Spirit: When it comes to school spirit, both ASU and UA have a proud and passionate student body that supports their respective athletic programs. ASU is known for its energetic and enthusiastic student section, the “Sun Devil Student Section,” which is a staple at home games for all sports. UA also has a strong student section, the “ZonaZoo,” that is known for its vocal support and passion for Wildcat athletics. Both institutions host a variety of events and activities throughout the year that bring students and alumni together to show their support for the teams and their school.

Sports Facilities: The athletic facilities at both ASU and UA are first-rate and provide excellent resources and support for student-athletes. ASU has a variety of state-of-the-art facilities, including Sun Devil Stadium, Wells Fargo Arena, and the Mona Plummer Aquatic Center. UA also boasts top-notch athletic facilities, including Arizona Stadium, McKale Center, and the Hillenbrand Aquatic Center. In addition, both universities have recently invested in upgrades and renovations to their facilities, ensuring that students have access to the latest and greatest resources and technology.

Intramural Sports: In addition to their varsity sports programs, both ASU and UA offer a variety of intramural sports options for students who are looking to stay active and engaged. These programs allow students to participate in a variety of recreational activities, from traditional sports like flag football and basketball, to more unconventional options like rock climbing and ultimate frisbee. These programs provide students with a fun and social outlet for physical activity, and can be a great way to get involved and make new friends.

Cost and Financial Aid: Finally, prospective students should consider the cost and financial aid opportunities available at each institution. Both ASU and UA are public universities, so they are typically more affordable than private institutions. However, the cost of attendance and the availability of financial aid can vary depending on the specific program and individual circumstances. Prospective students should research each institution’s tuition and fees, as well as the availability of scholarships, grants, and other forms of financial aid.

Location: The location of each university is another factor to consider. ASU is located in the heart of the Phoenix metropolitan area, which is known for its year-round sunny weather, vibrant arts and culture scene, and thriving tech industry. UA is located in Tucson, which is a smaller city known for its natural beauty, outdoor recreation opportunities, and laid-back atmosphere. Prospective students should consider their personal preferences and priorities when it comes to location, and weigh the benefits of living in a bustling urban center versus a smaller, more relaxed college town.

  • Phoenix vs. Tucson Geography: Phoenix is located in the central part of Arizona and is the state’s largest city. It covers a vast area of over 500 square miles and is surrounded by mountains, deserts, and other natural attractions. Tucson, on the other hand, is located in the southeastern part of the state and is surrounded by the Sonoran Desert. The city is known for its natural beauty, including the nearby Saguaro National Park, which is home to the iconic Saguaro cactus.
  • Phoenix vs. Tucson Climate: The climate in Phoenix is characterized by hot summers and mild winters, with temperatures often exceeding 100°F during the summer months. On the other hand, the climate in Tucson is characterized by warm winters and hot summers, with temperatures typically ranging from the high 70s to low 90s. Both cities receive low amounts of rainfall, with Phoenix receiving around 8 inches of rain per year and Tucson receiving around 12 inches.
  • Phoenix vs. Tucson Population: Phoenix is the fifth-largest city in the United States, with a population of over 1.7 million people. The city is known for its diverse population and strong economic growth. Tucson, on the other hand, has a population of around 535,000 and is known for its unique blend of Native American, Mexican, and Spanish cultures.
  • Phoenix vs. Tucson Economy: Phoenix is a hub for commerce and industry, with a thriving economy that is driven by industries such as tourism, healthcare, and technology. The city is home to several major corporations, including Intel and GoDaddy, and is known for its business-friendly environment. Tucson has a smaller, more diversified economy, with industries such as education, manufacturing, and healthcare playing a significant role. The city is home to several major employers, including the University of Arizona and Raytheon Technologies.
  • Phoenix vs. Tucson Culture: Both Phoenix and Tucson have a rich cultural heritage, with a blend of Native American, Mexican, and Spanish influences. Phoenix is known for its contemporary art scene, with a variety of museums and galleries showcasing local and international talent. The city is also home to several major events and festivals, including the Phoenix Film Festival and the Phoenix Comicon. Tucson is known for its unique blend of Native American, Mexican, and Spanish cultures, and is home to several cultural institutions, including the Tucson Museum of Art and the Tucson Folk Festival.
  • Phoenix vs. Tucson Lifestyle: The lifestyle in Phoenix is characterized by a strong focus on outdoor activities and recreation, with ample opportunities for hiking, biking, and exploring the nearby deserts and mountains. The city is also known for its vibrant nightlife, with a variety of bars, clubs, and restaurants. Tucson has a more laid-back, relaxed lifestyle, with a strong emphasis on outdoor recreation and cultural activities. The city is home to several parks and natural attractions, including Saguaro National Park, and is known for its vibrant food scene, with a variety of locally-owned restaurants and food trucks.

Overall, both ASU and UA offer unique and valuable undergraduate experiences for students, and the best choice for an individual student will depend on their individual goals, interests, and priorities. Prospective students should research both institutions in detail, attend campus tours and information sessions, and talk to current students and alumni to get a sense of the campus culture and academic programs. With careful consideration and research, prospective students can find the right university for them and take the first step towards achieving their academic and personal goals.

Old Main Building at University of Arizona.

How are Temple and Pitt similar and different?

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Overlooking University of Pittsburgh’s main campus.

Today’s reader question comes from Gavin in Lebanon, Pennsylvania:

Question: I live in the the south central part of Pennsylvania and I am going to have to stay in state for college due to costs, but I really don’t want to attend many of the mostly rural state schools in my state. My heart is set on being in a big city. Can you give me a run down of Temple and Pitt and how they are similar and different?

Answer: Temple University (Temple) and the University of Pittsburgh (Pitt) are two of the most well-known and respected public universities in Pennsylvania. Both universities offer a diverse range of academic programs and resources, but they have distinctions that set them apart from each other.

Temple is located in the heart of North Philadelphia, a city known for its rich history and cultural offerings. The university has a quite diverse student body, with over 39,000 students from all over the world. Temple is known for its strong programs in business, education, and the health sciences, and Temple offers a wide range of resources for students, including state-of-the-art facilities, research opportunities, and student organizations. With that said, North Philadelphia is not the safest neighborhood, especially these days.

Pitt, on the other hand, is located in the city of Pittsburgh and has a student body of over 28,000 students. Pittsburgh is known for its thriving tech industry, and the university has well-regarded programs in engineering, computer science, and health sciences. The university is also home to extensive research facilities, including world-class research centers in the health sciences, and has a strong tradition of providing students with hands-on research opportunities.  Pitt is in a city, but one that feels and is statistically safer than Philadelphia at large and especially North Philadelphia in particular.

One of the biggest differences between Temple and Pitt is their location. Philadelphia is a large, bustling city with a rich cultural history, and Temple provides students with access to all that the city has to offer. Pittsburgh, on the other hand, is a smaller, more blue-collar and intimate city with a growing tech industry and a focus on innovation. Both cities have their own unique advantages, but students who prefer a highly urban and majority-minority environment will often find Temple to be a better fit, while those who are interested in technology, somewhat more school spirit, and safety may prefer Pitt.

A building on the campus of Temple University in Philadelphia.

Remember, Temple has a strong focus on business, education, and the health sciences, while Pitt has a strong focus on engineering, computer science, and health sciences. Both universities have a wide range of academic programs, but the specific strengths of each university can influence the decision of students who are considering attending one versus the other.

Meanwhile, student life is another area where Temple and Pitt differ. Temple has a large, diverse student body, and the university is known for its vibrant student life, including Greek life, recreational opportunities, and a wide range of student organizations. Pitt, on the other hand, has a smaller student body and a more intimate feel, but still offers students a wide range of activities and organizations to get involved in on and off campus.

Finally, it sounds like the cost of attendance at each university is another important consideration for you. As both Temple and Pitt are public universities, you will get to pay in-state tuition, which out-of-state students don’t get to benefit from. Additionally, both universities offer financial aid and scholarships to help students pay for their education, but the specific options available to students can vary widely between the two institutions. Interestingly, I’ve worked with students who’ve gotten large scholarships from both universities.

Ultimately, both Temple and Pitt are fine institutions that offer a vast array of academic programs and resources. Yet, each university has its own unique advantages and disadvantages, and the decision of which institution to attend should come down to individual preferences and priorities. If you want more help developing a right-fit college list for you, I encourage you to work closely with your high school guidance counselor or an admissions consultant for bespoke college counseling. Good luck.

The Ultimate Virtual College Admissions Library – 2023 Edition

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The world of college admissions is constantly changing; therefore, it’s important to keep the best college admissions recourses close at hand if you are to navigate the admissions process with aplomb. Luckily, we’ve done the heavy lifting for you. We’ve assembled a virtual library of sorts filled with the resources we highly recommend for novices and old hands alike if the goal is to aggressively approach all things undergraduate admissions during the 2023-2024 admissions cycle. Research away!

Admissions Data/Insights/Statistics 

Standardized Testing

  • convertyourscore.org – Our SAT-ACT conversion tool, which features important information about the SAT and ACT and the key ways in which the SAT and ACT differ, is the Internet’s most popular conversion tool and information site
  • ACTStudent.org – Sign up for the ACT, see your scores, and send your scores to colleges and universities
  • Free Practice ACT (Inclusive of Answer Sheet) – Take a timed practice test, score yourself, and learn from your mistakes
  • Best ACT Preparation Book: Real Act Prep Guide – Insider test-taking tips and strategy, five previously administered, full-length ACT tests written by the actual test maker, and insight from the makers of the ACT
  • CollegeBoard.org – Sign up for the SAT and/or SAT Subject Tests, see your scores, and send your scores to colleges and universities
  • Free Practice SAT and Answer Sheet – Take a timed practice test, score yourself, and learn from your mistakes
  • Best SAT Preparation Book: The Official SAT Study Guide (2018 Edition) – Published by the makers of the test and includes ten official SAT practice tests
  • PSAT Practice Questions
  • TOEFL (Test of English as a Foreign Language) – a standardized test of English language proficiency for non-native English language speakers wishing to enroll in U.S. universities

Short Course

Scholarships & Financial Aid

Most Popular Undergraduate Applications

Educational Consultants

Insightful College & University Review Books and Selection Guides

Fiske Guide to Colleges 2023 – Delivers an insider’s look at the academic climates and the social and extracurricular scenes at the “best and most interesting” schools in the U.S., Canada, Great Britain, and Ireland.

Choosing the Right College 2014-15: The Inside Scoop on Elite Schools and Outstanding Lesser-Known Institutions – Extremely in-depth, independently researched college guide that uses on-campus sources to turn up the best – and worst – aspects of nearly 150 schools (It’s a shame that they don’t make new editions of this great book!)
The Best 388 Colleges, 2023 Edition by Princeton Review – Entertaining, though superficial guide, to nearly 400 top colleges and universities
The K&W Guide to Colleges for Students with Learning Differences, 15th Edition: 325+ Schools with Programs or Services for Students with ADHD, ASD, or Learning Differences – Advice from learning specialists on making an effective transition to college and details about services – such as tutors, note-takers, oral exams, extended test time, and more – available to learning-disabled students at each college

America’s Best Colleges for B Students: A College Guide for Students Without Straight A’s
College Match: A Blueprint for Choosing the Best School for You, 14th Edition – The leading guide for finding a good fit college
Admission Matters: What Students and Parents Need to Know About Getting into College 4th Edition – see review here
 
Love the Journey to College: Guidance from an Admissions Consultant and Her Daughter