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How I Got to College: Virginia “Ginger” Paight

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 among non-IB students applied to and got into just two schools: the University of Florida and the University of South Florida. The key reasons she’s staying in state include the less costly tuition and the fact that all the credits she has earned by being dually enrolled junior and senior year at Hillsborough Community College transfer.

“I have enough credits for an associate degree,” she says. Paight could finish a premed degree early with all those credits — she plans to be an anesthesiologist — but she wants to stick around to double major in psychology and biomed.

And why not? She is getting 100 percent of the costs of her undergrad degree — at USF — covered by school and state scholarships. While the University of Florida did offer her some money, she says, it took several months to get information about scholarships, which left her “disheartened.” USF reached out to her almost weekly.

GPA: 3.92

SAT/ACT scores: 750 math, 690 critical reading, 630 writing

Extracurriculars: Volleyball, school service club, Feed America Club

Essay: USF doesn’t require an essay. For a National Merit Scholarship essay, she discussed her growth through high school, a tumultuous time that involved three moves and a respiratory ailment.

Helpful: Quizlet, an online place where everyone can share knowledge in any subject, “was great” as a resource that “helped me achieve my GPA.”

Kind of helpful: “My dad tricked me into taking the SAT as a freshman.” He signed her up and dropped her off, thinking the experience would help her later.

Best part: Not having to apply to a lot of schools; she knew in early fall that she was a National Merit Semifinalist and would get a full ride.

Do-over: Would have emphasized dual enrollment rather than take 13 Advanced Placement classes. The college credit would have been more likely to be honored as a basis for placement in advanced math and science, she thinks.

Advice: Make connections with key teachers and staff well before senior year. While applying, you’ll have to do “a lot of running around” to them asking for recommendations and transcripts.

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: Virginia “Ginger” Paight 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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