{"id":1857,"date":"2018-03-18T20:28:53","date_gmt":"2018-03-18T20:28:53","guid":{"rendered":"https:\/\/resedblog.wpengine.com\/?p=1857"},"modified":"2021-03-29T02:39:15","modified_gmt":"2021-03-29T02:39:15","slug":"an-important-conversation-for-parents-and-students-how-to-pay-for-college","status":"publish","type":"post","link":"https:\/\/responsiveed.com\/responsiveed-blog\/2018\/03\/18\/an-important-conversation-for-parents-and-students-how-to-pay-for-college\/","title":{"rendered":"An Important Conversation for Parents and Students: How to Pay for College?"},"content":{"rendered":"<p><span style=\"font-weight: 400\"><span class=\"dropcap dropcap3\">M<\/span>ost students know college is expensive. They hear it from their friends and probably parents. Many students, just knowing that tuition payments require a mountain of money, decide college isn\u2019t for them. \u00a0But while that is true, ResponsiveEd\u2019s Director of College Readiness Stephanie Scott suggests that there are some accessible ways to bring the costs down and minimize years of college debt. <\/span><\/p>\n<p><span style=\"font-weight: 400\">Here are some of the questions she says you and your student should start discussing this fall.<\/span><\/p>\n<p><b>Many students think college is beyond their means, is there a way that college can be more affordable for them?<\/b><\/p>\n<p><span style=\"font-weight: 400\">The short answer is yes. There are many different ways to reduce the cost of college. \u00a0It starts with a determination to educate yourself and then get to work. It will take some effort, but the resources are out there. If you aren\u2019t yet a senior, start by taking dual credit and work study classes at school. \u00a0You can also look into sports scholarships (try playing something unusual like golf), academic scholarships, loans, ROTC, and financial aid programs are all ways you can afford college. You need to start thinking early and put together a plan. There are many scholarships and grants available to help students, and it doesn\u2019t cost you anything to apply. I always tell students they need to at least fill out the Free Application for Federal Student Aid (FAFSA). Aid is not based solely on how much your parents make. \u00a0Take scholarships and applications seriously. Think of it this way, how many hours would you have to work to earn $5,000? You could get that amount in scholarship money. When it comes to the SAT, ACT and college applications, think of it as a job.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Here are some resources that can help you find scholarships and financial aid. \u00a0\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/studentaid.ed.gov\/sa\/fafsa\/filling-out\"><span style=\"font-weight: 400\">Filling Out the FAFSA<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/studentaid.ed.gov\/sa\/fafsa\/next-steps\/how-calculated\"><span style=\"font-weight: 400\">How Aid is Calculated<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/studentaid.ed.gov\/sa\/types\/work-study\"><span style=\"font-weight: 400\">Work-Study Jobs<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/studentaid.ed.gov\/sa\/eligibility\/basic-criteria\"><span style=\"font-weight: 400\">Basic Eligibility Criteria<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/fafsa.ed.gov\/deadlines.htm\"><span style=\"font-weight: 400\">Deadlines<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/sites.google.com\/a\/lajunta.k12.co.us\/scholarships-and-financial-aid\/\"><span style=\"font-weight: 400\">Scholarships and Financial Aid<\/span><\/a><\/li>\n<\/ul>\n<p><b>How do I look for Scholarships? <\/b><\/p>\n<p><span style=\"font-weight: 400\">The US News and World Report had an article in which they listed five places to look for scholarships. Here are the five they listed: <\/span><\/p>\n<ol>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">School<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Local library<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Community organizations<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your employer<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Free online scholarship searches<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400\">The schools you apply to typically have academic scholarships based on SAT or ACT test scores and GPA. Your teachers may also have suggestions. Libraries are a wealth of information. Look for flyers, but also ask the librarian. Many organizations like the Boy Scouts and 4-H Clubs have scholarships. Be sure to start looking early because often you have to qualify. A lot of employers like CVS, McDonalds and Chick-Fil-A offer their employees scholarships. If you work for a company, ask about scholarships. Most importantly there are countless online scholarship research sites. They can list small scholarships and larger ones. Be strategic in how you apply and make sure you qualify, but don\u2019t forget that multiple small scholarships add up. <\/span><\/p>\n<p><span style=\"font-weight: 400\">Here are some great online scholarship searches<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><a href=\"http:\/\/www.unigo.com\/scholarships\/by-state\/texas\"><span style=\"font-weight: 400\">Texas Scholarships Unigo<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"http:\/\/www.applytexas.org\"><span style=\"font-weight: 400\">Apply Texas<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"http:\/\/www.collegescholarships.com\"><span style=\"font-weight: 400\">College Scholarships<\/span><\/a><\/li>\n<\/ul>\n<p><b>What are some common misconceptions about FAFSA?<\/b><\/p>\n<p><span style=\"font-weight: 400\">It is quite common for students and parents to assume they won\u2019t qualify for financial aid because of their parent\u2019s income. There is actually no cut-off based on income and there are many factors besides income taken into account. Your grades, ethnicity and ages are not taken into account in FAFSA. Often students think they may be automatically disqualified because of those factors, but they don\u2019t play any role in determining how much aid you receive.<\/span><\/p>\n<p><b>What are the new changes for the 2017-18 FAFSA?<\/b><\/p>\n<p><span style=\"font-weight: 400\">FAFSA has changed in some important ways. Students can now file a 2017-18 FAFSA in October rather than waiting until January. Students can also use earlier income information. For students applying for the 2017-18 school year this means you will submit the 2017-18 FAFSA from Oct. 1, 2016-June 30, 2018 using the income and tax information from 2015. <\/span><\/p>\n<p><b>Can I be successful if I don\u2019t start at four-year university?<\/b><\/p>\n<p><span style=\"font-weight: 400\">The answer is yes. Hundreds of thousands of students start at local community colleges to get their requirements out of the way and to keep costs down. There is nothing wrong with this approach as long as you stay focused and have a plan for where you want to complete your bachelor\u2019s degree. Credit transfer is always important to consider. There is more than one way to prepare yourself for the future, so think through what you might like to do after finishing your education and then plan backwards to create the right road-map to success.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Most students know college is expensive. They hear it from their friends and probably parents. Many students, just knowing that tuition payments require a mountain of money, decide college isn\u2019t&#8230;<\/p>\n","protected":false},"author":2,"featured_media":4283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,7,13,17,22,23,24,30],"tags":[81,199,648],"class_list":{"0":"post-1857","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-education-news","8":"category-founders","9":"category-ischool","10":"category-premier","11":"category-responsiveed-news","12":"category-virtual","13":"category-schools","14":"category-virtual-students","15":"tag-advice","16":"tag-college","17":"tag-scholarships"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>An Important Conversation for Parents and Students: How to Pay for College?<\/title>\n<meta name=\"description\" content=\"Most students know college is expensive. 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