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How I Got to College: Ana Rescala

Choosing a college is one of life’s big decisions, and the process of getting in is an exciting — but often stressful — rite of passage. To find out what that passage is really like, U.S. News visited T. R. Robinson High School in Tampa, Florida, in late April to ask a group of seniors what went into their calculus for deciding on a college.

RHS is a neighborhood school whose International Baccalaureate diploma program attracts about one-third of the student body. Nearly a third are connected to the military, with family members stationed at nearby MacDill Air Force Base.

The school population is diverse: 47 percent of students are white; Hispanics comprise more than 21 percent; and African-American students account for 15 percent. Nearly half qualify for free or reduced-price lunch. Eighty-five percent of students go on to college. Here’s how eight seniors found the right fit — and what it took for them to make the cut.

An intended computer science major, Rescala bagged acceptances from five of the seven schools she applied to, including the Massachusetts Institute of Technology, Georgia Tech, the University of California–Los Angeles, the University of Southern California and her safety, the University of Florida.

She was wait-listed by Stanford University and rejected by the University of California–Berkeley.

She considered but passed on MIT; “It felt too narrow,” she says. “I wanted something bigger and more diverse.”

She chose the University of Southern California after she “fell in love” with its California location and was offered a free ride. While she likes math and science, she also is passionate about art.

“I’m very well-rounded,” she says, and that’s what she highlighted in her applications. But the thing she believes helped most was including a description of her service project, which involved getting girls and minority elementary school kids excited about STEM subjects.

GPA: 4.0

SAT/ACT scores: 740 math, 740 critical reading, 720 writing/35

Extracurriculars: President of the Political Debate Club, co-president of Girls Who Code club, community service, taekwondo, flag football.

Essay: “How taekwondo has developed me into who I am today.”

Notable: While she liked Georgia Tech, she wanted a school with more courses in the arts and humanities.

Helpful: Colleges’ websites, U.S. News and being in touch with students at schools of interest.

Enjoyable: “Getting to know myself better” was the best part of the process. “The essays are very valuable to me. This is who I am at 18.”

Not to worry: “The college process is not as scary as people tell you it is,” she says. “The process is very self-explanatory.”

Advice: All four years of high school matter. Start freshman year on a good note and work hard; don’t settle for B’s or C’s. And stick with a club for all four years so you can lead it by your senior year.

This story is excerpted from the U.S. News “Best Colleges 2017” guidebook, which features in-depth articles, rankings and data.

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How I Got to College: Ana Rescala 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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