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How I Got to College: Emily Young

This past spring, U.S. News visited La Jolla High School in the San Diego Unified School District to ask several seniors who had recently gone through the college application process and were then weighing their options for lessons learned along the way — and their best tips for high school students just getting started.

Set in a postcard-perfect seaside community, La Jolla High is a comprehensive high school serving about 1,650 students. Because of the district’s emphasis on school choice, students from an array of San Diego neighborhoods attend La Jolla.

The school provides Advanced Placement courses in 21 curricular areas; 98 percent of students graduate, on average, and 70 percent go on to four-year colleges (about 22 percent go to a two-year school). White students comprise 56 percent of the student body, with Hispanics, Asians and African-Americans accounting for most of the rest.

An ACL injury led Emily Young to become “fascinated” with biomedical engineering and biomechanics, she says. That interest led to an internship at a University of California–San Diego biomechanics lab, where Young processed data and MRIs for research on rotator cuff problems.

Young’s interest, internship and an early action application helped her get into the Massachusetts Institute of Technology, where she will study mechanical engineering with a concentration in biology and will also be playing lacrosse. She also got into Northeastern University in Boston, and she applied to the University of California–Berkeley, the University of California–Los Angeles and Georgetown University but withdrew those applications once she heard from MIT.

Young figures she put a solid month of work into the MIT application, including reading four years’ worth of the university’s admissions blogs, which offer advice and highlight accepted students.

GPA: 3.9 unweighted

ACT score: 33 composite

Extracurriculars: Captain of field hockey and lacrosse teams, anti-bullying club, Girl Scouts, elementary-school lacrosse coach, internships in a biomechanics lab and as a pastry chef (which she suspects got admissions “to look at my application for a second longer”)

Essay: She described the world she comes from, a family of “engineers, psychologists and doctors” who “inspire me to set high expectations for myself.”

Smart start: She began considering schools at the end of her freshman year to improve her chances of being recruited for lacrosse.

Realization: “Coaches can’t pull you through admissions” at schools like MIT, she says.

Lesson: Her father, who hires fellows in his medical practice, showed her how little time it takes to screen an application. It’s about 45 seconds.

Advice: It’s better to focus on a couple of schools than to spread yourself thin by applying to 20. Also, “the first sentence of your essay needs to be incredible,” she says. She added that you need a strong finish.

This story is excerpted from the U.S. News “Best Colleges 2015” guidebook, which features in-depth articles, rankings and data.

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Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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