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4 Questions to Help Parents, Students Compare College Admissions Offers

After years of planning, months of research and weeks of travel to and from college campuses, your high school senior has finally begun to receive college acceptance letters. Chances are you reached this point as a team, and chances are that not all of your student’s admissions offers are equally attractive.

Now that your child must choose a college to attend, it is time to work together again. Here are four questions to ask that can help both of you through the selection process.

1. How does each school support new students? Nearly all freshmen face an adjustment period when they start college. In a matter of days, they leave behind their friends, family and familiar routines. The habits that become their new normal can be critical to their long-term success. As such, face-to-face programs that engage freshman students are extremely important.

Here are [three reasons not to overthink your final college choice.]

While every college has a freshman orientation, some schools have created a more robust introduction to college life. Texas Wesleyan University, where I once worked as an adjunct professor, offers The Freshman Success Experience, a one-credit course that focuses on adjusting to higher education. A class that extends beyond welcome week activities can help students develop useful skills and make new friends.

While each school will be unique in its offerings, admissions staff should be able to provide you with concrete details about their college’s program.

2. What long-term support structures are in place? College can be challenging, and many students find themselves in need of occasional support. Most schools offer academic and mental health services, but their availability and types may vary.

Before your student accepts an offer, consider calling the health center and inquiring about the average wait time for students who request a mental health appointment. You can also ask how this timeline changes in the weeks surrounding final exams.

Get [advice from current students on making the right college choice.]

For academic support, try to search for class work or homework assistance on the school’s website. If this information is difficult to locate, it is possible that the college has not made such assistance a top priority. But it is crucial to double-check.

When I was a graduate instructor, I often found that students in my science classes needed extra help with math, but there was no math tutoring available. Your child may never require these services, but it is a great idea to investigate whether they exist.

3. How does academic advising work? Shortly after signing his or her acceptance letter, your student may need to choose classes for the fall semester. Even small schools have dozens of options, let alone the hundreds of possibilities at large universities.

You will have to consider which courses will be most useful when selecting a major, which are anonymous lectures and which are intimate seminars. You will need to know where to access student evaluations for classes and individual instructors.

Check out [five must-do tasks for the summer before college.]

In the best-case scenario, each freshman is paired with an academic adviser who can answer such questions. Ask how soon your student can meet with an adviser, as well as how that interaction occurs and what a normal wait time is for an appointment. A great adviser can help your child stay on course for graduation and maximize the college experience on a consistent basis.

4. What is the financial aid fine print? General affordability may have factored into your student’s initial choice of schools, but once he or she receives specific financial aid offers, you can begin to focus on the details. For instance, ask if the college will reduce its aid if your child wins outside grants or scholarships. Rather than being surprised when the first tuition bill arrives, be proactive and ask ahead of time.

Many financial aid packages also include loans. This is an opportune time to investigate interest rates, repayment structures and who owns the loan. Even though two schools may appear to offer equivalent aid packages in terms of out-of-pocket expenses, the types of available loans can create a significant difference in long-term cost.

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4 Questions to Help Parents, Students Compare College Admissions Offers originally appeared on usnews.com

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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