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How I Got to College: Claire Chen

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.

The top graduate of Robinson High School’s IB program is headed to Johns Hopkins University to study political science, international studies or cognitive sciences — a major that got her attention on a visit to the Baltimore school. Eventually Chen would like to go to law school.

She liked Hopkins’ collaborative approach to learning and lack of a required core curriculum. She loved the city campus, too. In the end, her decision came down to Hopkins and Georgetown University, but she also got into the University of Florida and the University of South Florida.

She was wait-listed by Brown University, Cornell University and Duke University; and was rejected by Columbia University, Harvard University, Stanford University and the University of Pennsylvania.

“I think my test scores helped” open the door at Hopkins, she says. Had she made more of her three-year leadership role as editor-in-chief of the school paper, she thinks she might have scored another outright acceptance.

Still, she was pleased to commit to Hopkins the day after her visit. Chen’s parents plan to cover the costs the first year, and she’s considering loans along with their help in future years.

GPA: 3.91 unweighted

SAT/ACT scores: 750 math, 800 critical reading, 800 writing

Extracurriculars: Besides the paper, Model UN and violinist in the orchestra — as well as the Tampa Metropolitan Youth Orchestra . She’s also a pianist.

Essay: Learning from failure. Chen described messing up playing piano during one of three Tampa Bay Symphony concerts and her rebound for the last performance.

Oops: When she asked teachers for recommendations in the fall, some declined because they’d committed to other students.

Helpful step: Chen created an Excel spreadsheet of key deadlines, passwords, IDs and checklists for each school.

Visits: “Pictures and virtual tours are great, but I really got a sense of what it was like to be a student through walking around and visiting the dorms, dining halls and classrooms.”

Resources: U.S. News and Forbes college guidance, books on writing admissions essays and College Confidential.

Advice: “Start early.” Chen didn’t have a final list until October and was writing essays into December. Also, slow down occasionally during the crunch times and enjoy your life’s “little moments.”

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: Claire Chen 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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