Students will learn about how the different forms of financial aid can help them finance their college education, and how to obtain funding help when paying for college.
Nov. 10, 2011 Wissahickon HS Financial Aid NightChristopher
Fran McKeown, a representative from PHEAA (Pennsylvania Higher Education Assistance Agency), presented to parents and students of Wissahickon HS about financial aid.
Did you know that September is College Savings Month? One of our goals at MEFA is to make sure that families have the best possible information on saving for college.
Nov. 10, 2011 Wissahickon HS Financial Aid NightChristopher
Fran McKeown, a representative from PHEAA (Pennsylvania Higher Education Assistance Agency), presented to parents and students of Wissahickon HS about financial aid.
Did you know that September is College Savings Month? One of our goals at MEFA is to make sure that families have the best possible information on saving for college.
How to fill out the FAFSA (Free Application for Federal Student Aid), from Darryl Young and the 15K Degrees Initiative in Louisville, KY (www.15kdegrees.org)
Nontraditional students include adult learners pursuing secondary education for the first time, single parents, and those with a full-time job seeking to take classes part-time. This guide offers tips, resources, and a directory of scholarships and grants designed for nontraditional students.
The decision to go to college can by complicated by the financial commitment that’s involved. It can be stressful (as a family) to think of the expense, the debt piling up, and the unknown of when it comes time to repay.
With some knowledge and preparation, you can make college happen. Don’t let the cost deter you if you’re confident in the value of a college education!
December 2014 Student Loan Seminar PresentationKristina Flores
Prospera Credit Union (https://myprospera.com) is a local credit union that now serves a four-county area and is strong enough to provide you with everything you need, yet small enough to know you personally and care about your and your family's prosperity. When you choose Prosepra, you become a member, not just a customer. Part of a family. A family that works together for everyone's benefit.
Prospera Credit Union's history dates back as far as 1934, when it was officially opened for business under the Banta Credit Union name. Over the years, the number of people eligible to join was expanded to include nearby counties and communities. In 2002, the name was changed to Prospera, but, our basic promise to our members has always been the same.
What's your LIFEstage?
We provide personal, tailored guidance that leads to prosperity for all our members. (https://myprospera.com/lifestages)
Starting On Your Own
Singles
Couples
Parenting Young Children
Parenting with Teenagers
Empty Nesters
Retireees
Divorce
Widow / Widower
Our services include:
Home Loans, Home Loan Rates and Current Mortgage Rates
Home Equity Loans
Auto Title Loans as well as Boat and RV Loans
Credit Cards
Personal Loans
Protection Plans
Loan Appllications
Free Bill Pay
Interest Bearing Checking
Overdraft Protection
Automatic Overdraft Transfer
Team and Club Community Checking
Share Savings
CDs, IRAs & Money Markets
Checking, Savins, CD and Money Markets
Investment Products and Services
Business Rates
Auto Calculators
Mortgage Calculators
Looking for a way to contact us? Please call us at 920-882-4800 or fill out the below contact form on our website (https://myprospera.com/contact-us)
Come visit us at one of our four locations:
Appleton Branch - 4830 N. Ballard Rd. Appleton, WI 54913
Neenah Location - 934 S. Green Bay Rd. Neenah, WI 54956
Menasha Location - 849 Warsaw St. Menasha, WI 54952
Darboy Location - N9660 County Rd. N Appleton, WI 54915
How to fill out the FAFSA (Free Application for Federal Student Aid), from Darryl Young and the 15K Degrees Initiative in Louisville, KY (www.15kdegrees.org)
Nontraditional students include adult learners pursuing secondary education for the first time, single parents, and those with a full-time job seeking to take classes part-time. This guide offers tips, resources, and a directory of scholarships and grants designed for nontraditional students.
The decision to go to college can by complicated by the financial commitment that’s involved. It can be stressful (as a family) to think of the expense, the debt piling up, and the unknown of when it comes time to repay.
With some knowledge and preparation, you can make college happen. Don’t let the cost deter you if you’re confident in the value of a college education!
December 2014 Student Loan Seminar PresentationKristina Flores
Prospera Credit Union (https://myprospera.com) is a local credit union that now serves a four-county area and is strong enough to provide you with everything you need, yet small enough to know you personally and care about your and your family's prosperity. When you choose Prosepra, you become a member, not just a customer. Part of a family. A family that works together for everyone's benefit.
Prospera Credit Union's history dates back as far as 1934, when it was officially opened for business under the Banta Credit Union name. Over the years, the number of people eligible to join was expanded to include nearby counties and communities. In 2002, the name was changed to Prospera, but, our basic promise to our members has always been the same.
What's your LIFEstage?
We provide personal, tailored guidance that leads to prosperity for all our members. (https://myprospera.com/lifestages)
Starting On Your Own
Singles
Couples
Parenting Young Children
Parenting with Teenagers
Empty Nesters
Retireees
Divorce
Widow / Widower
Our services include:
Home Loans, Home Loan Rates and Current Mortgage Rates
Home Equity Loans
Auto Title Loans as well as Boat and RV Loans
Credit Cards
Personal Loans
Protection Plans
Loan Appllications
Free Bill Pay
Interest Bearing Checking
Overdraft Protection
Automatic Overdraft Transfer
Team and Club Community Checking
Share Savings
CDs, IRAs & Money Markets
Checking, Savins, CD and Money Markets
Investment Products and Services
Business Rates
Auto Calculators
Mortgage Calculators
Looking for a way to contact us? Please call us at 920-882-4800 or fill out the below contact form on our website (https://myprospera.com/contact-us)
Come visit us at one of our four locations:
Appleton Branch - 4830 N. Ballard Rd. Appleton, WI 54913
Neenah Location - 934 S. Green Bay Rd. Neenah, WI 54956
Menasha Location - 849 Warsaw St. Menasha, WI 54952
Darboy Location - N9660 County Rd. N Appleton, WI 54915
It’s no secret that postsecondary education is an investment, but do you find yourself asking how much it will really cost and wondering how you will pay for it?
We’ll help you determine the true cost of education after high school and go over all your options for payment – from scholarships and grants to financial aid and student loans. We’ll also cover the topic of timing – when you should begin looking into your options and what to expect from the application process.
A college education increases your child’s ability to think critically, advance in a career, contribute to the community and better understand the world. No wonder choosing the right college is such an important task. Your child and you must carefully consider the many aspects of a college – academic offerings, size, location, and campus life – to ensure the best possible match with his/her academic, personal and career interests. The right college choice must be affordable as well. Financial aid is available in many forms to help students meet college costs. This assistance is intended to supplement, not replace, the efforts of students and families. This guide gives parents and students the basic information needed to begin securing financial aid. It will help you find the information you need to ask the right questions and make informed decisions about managing college costs.
Source: https://ebookschoice.com/making-money-wise-college-decisions/
Avoid the Trap: How to Make it Through College Without Becoming a Financial P...Steve Miller, CFA
Learn What Your Expected Payoff From Earning a College Degree Will be
Information on the value and true cost of pursuing a college education can be difficult to find and interpret. Because no one is incentivized to provide it.
Using the quadrant approach students can identify their primary motivation for considering college and the factors to evaluate based on this motivation.
Most students end up needing to take some loans to make it through. It's important for students to understand the implications of this borrowing to ensure the consequences of borrowing are fully understood prior to taking on loans.
Checklists included to help with identifying and tracking all of the factors that should inform students decision on this important matter.
ollege Financial Aid 101. What kinds of grants can you get? What are the Different Loan Types? The Downside to Scholarships? A quick and dirty rundown of the basics to help you make the most of your college aid application, updated for 2019-2020.
Grants For College Students To Help Them Pursue Their Education Dreams And Ca...Americas Got Grants
Grants for college students serve as invaluable resources, providing crucial financial assistance to individuals striving for higher education and career advancement. Unlike education loans that necessitate repayment, these grants offer support without the burden of repayment. Typically need-based, college grants often consider the economic circumstances of a student's family as a key criterion for eligibility.
You Can Apply For Government Financial Grants For Education To Cover Your CostsAmericas Got Grants
Government financial grants for education are available to help cover the costs of college for students who may not have the necessary financial resources. These grants are designed to provide opportunities for students to pursue higher education and achieve their educational goals.
RaiseMe Lesson Plan: Planning for the summer before collegeRaiseMe
Tips and resources for graduating seniors to make the transition from high school to college as smooth as possible. From freshman advising to resume writing, students will be ready to start the next phase of their educational journey on the right foot. Content available at: https://blog.raise.me/high-school-summer-planning-101/
RaiseMe Lesson Plan: Making the most of summerRaiseMe
Tips and resources for 9th-11th grade students for researching summer programs and leadership opportunities that support college preparation. This content is available at https://blog.raise.me/high-school-summer-planning-101/
In this lesson plan, students will learn about the importance of HBCUs, how to search for HBCUs on RaiseMe, and factors to consider in researching and selecting HBCUs.
Student's first time taking standardized tests for college prep can be daunting and confusing. From this lesson plan, students will learn about how to interpret their scores after taking the exam, how each sub-score corresponds to certain skills, and how PSAT scores can be used to earn micro-scholarships for college on RaiseMe (www.raise.me).
Study Habits: The Building Blocks To College ReadinessRaiseMe
Good study habits are essential for academic success in high school, college, and beyond. From this lesson plan, students will learn how certain behaviors and practices can lead to better long-term memory, reasoning, attention, problem solving, and ultimately, greater academic success.
Ethnobotany and Ethnopharmacology:
Ethnobotany in herbal drug evaluation,
Impact of Ethnobotany in traditional medicine,
New development in herbals,
Bio-prospecting tools for drug discovery,
Role of Ethnopharmacology in drug evaluation,
Reverse Pharmacology.
This is a presentation by Dada Robert in a Your Skill Boost masterclass organised by the Excellence Foundation for South Sudan (EFSS) on Saturday, the 25th and Sunday, the 26th of May 2024.
He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.
The Art Pastor's Guide to Sabbath | Steve ThomasonSteve Thomason
What is the purpose of the Sabbath Law in the Torah. It is interesting to compare how the context of the law shifts from Exodus to Deuteronomy. Who gets to rest, and why?
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
How to Create Map Views in the Odoo 17 ERPCeline George
The map views are useful for providing a geographical representation of data. They allow users to visualize and analyze the data in a more intuitive manner.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
For more information, visit-www.vavaclasses.com
2. Outline
I. How is Financial Need Determined?
II. Total Financial Aid By Source
III. How the Federal Government Meets Need
IV. How Colleges Meet Remaining Need
V. Tips for Using RaiseMe to Maximize Institutional Awards
3. 3
How is Financial Need Determined?
Financial Need = Cost of Attendance (COA) - Expected Family Contribution (EFC)
Tuition and Fees Room and
Board Materials Travel
COA
EFC
Parent Contribution Student Contribution
Need
As a visual example of the formula, the below model describes the factors that go into cost and contribution so you can see
how this might look proportionally. The COA is based on an average private 4-year college. The EFC is hypothetical.
COA $47,831
EFC - $24,500
Need =$23,331
4. 4
Cost of Attendance
To get an accurate estimate by institution, visit the net price calculator on the college website.
Tuition and Fees
Room and Board
Books and Supplies
Transportation
Other Expenses
This graph outlines the average COA for public and private 2 and 4-year colleges:
5. Estimated Family Contribution
5
How do colleges determine your expected family contribution?
Parent Contribution Factors:
1. Citizenship (to estimate how much it will cost to attend)
2. State of residence (to estimate travel costs and in vs. out-of-state tuition if a public university)
3. Number of children in college
4. Number of people in your family
5. Parent(s) or Guardian(s) salary
6. Additional income (if applicable). Could include investments, property, or business
What is the student contribution?
- This can be summer earnings, personal savings, and/or outside scholarships that the
student can contribute to the cost, where applicable.
6. 6
Meeting Need: Terminology to Keep in Mind
Need-Based Aid Merit-Based Aid
Aid that is awarded based solely on the
financial situation of your family.
Aid that is awarded based on your academic
and extracurricular achievements from high
school.
Grants/Awards Loans
Money awarded to you that you do not need
to pay back.
Money that you borrow and must pay back
over time.
7. 7
Total Undergraduate Student Aid by Source*
Aid Money in Billions of Dollars
Money from the government - this all starts with the FAFSA!
Scholarships to which you apply
Money directly from the college - this is where RaiseMe comes in!
*Data pulled from 2014-2015 school year
8. 8
Meeting Need: The Role of the Federal Government
Step 1: Complete the FAFSA (Free Application for Federal Student Aid)
This will determine how much need-based aid you will be offered.
Federal Grants (you don’t have to pay it back!):
● Pell Grant: the largest award type offered by the federal gov’t for meeting demonstrated need.
○ To be eligible for a maximum Pell Grant (which was $5,730 in 2015), your EFC must be zero, meaning your
family can’t afford any contribution toward college.
○ A maximum Pell Grant covers 61% of the average tuition cost for a public, four-year college.
■ Meaning a federal grant alone will not cover all of the cost of attendance.
Federal Loans (you will have to pay it back):
● Subsidized Stafford Loan: your loan will not accumulate interest until after college graduation.
● Unsubsidized Stafford Loan: your loan will accumulate interest while enrolled in college.
Your federal aid package will most likely include a combination of grants and loans, all of which is determined
from the FAFSA. So fill it out early; some federal grants are first come - first serve!
9. 9
Meeting Need: What Colleges Can Contribute
Institutional Awards
Merit-Based
● Once the college establishes the amount of federal aid you are eligible to earn, they will
next determine how much grant money they can offer for your academic and
extracurricular accomplishments.
Need-Based
● If the federal aid package plus the merit-based aid from the college is not enough, colleges
will also offer need-based awards to try to further cover the gap.*
*(Remember that NEED is the COST OF ATTENDANCE minus your FAMILY CONTRIBUTION)
In the traditional framework, colleges are not able to calculate their contribution until you apply.
With RaiseMe, you know upfront the minimum contribution a college can make before
committing to an application!
10. 10
Average Total Grant Aid, Private Four-Year College*
Based on the income of your family, the above chart gives you a sense for:
1. How much need-based aid you can expect
2. How much merit aid you might expect (non-need-based)
“Exceeding Need”
means that an
institution is
offering more aid
than the student
needs to be able
to afford to
attend.
*Data pulled from 2012-2013 school year
11. 11
Average Total Grant Aid, Public Four-Year College
Based on the income of your family, the above chart gives you a sense for:
1. How much need-based aid you might expect
2. How much merit aid you might expect (non-need-based)
12. 12
Proportion of Aid that is Federal vs. Institutional
Notice: Institutional aid constitutes a large portion of total aid at four-year colleges.
● Private colleges, in general, are more expensive to attend but also have a lot more
resources available to award generous aid.
13. 13
Institutional Awards Present a Big Opportunity
In 2012… Private College: Merit-Aid Breakdown Public College: Merit-Aid
Breakdown
- 71% from the institution - 44% from
the institution
- 26% from private sources - 38% from private
sources
- 2% from the state - 18% from
the state
Federal aid is need-based
● Your family’s financial situation is not likely to change dramatically in the time-frame when you
are considering college.
● The only actions you need to take where federal aid is concerned are to fill out the FAFSA and
CSS Profile as well as have proactive conversation with your family!
Institutional aid is the second largest aid source and is largely based on your
academic and extracurricular track record, which is entirely in your control!
As you can see above, the majority of merit-aid at both private and public colleges comes
from the institution. So how can you make sure you qualify for the most money possible?
14. Where RaiseMe Fits in the Aid Equation
The majority of grants awarded every year come directly from the institution.
So how do colleges and universities determine how much grant money to award students for
merit (academic accomplishments)?
So how can you plan ahead to both maximize your institutional award AND make smart
application decisions?
There are no stated criteria for how to earn merit grants, and the amount you’ll get from each
institution can vary widely.
On RaiseMe, the calculation of grant money possible starts in 9th grade. For every
accomplishment, you’ll know how much you could earn at participating schools. Earning
categories are transparent, so you can prioritize your time accordingly.
15. Use Micro-Scholarship Plans As A Checklist
Each RaiseMe college partner has a unique micro-scholarship plan that lists the specific
accomplishments that are factored in to their institutional grant considerations.
Thus, the micro-scholarship plan can serve as a checklist, where you are able to map out your
coursework and extracurriculars to not only be a competitive applicant but also maximize the
institutional aid it’s possible to earn.
16. Summary
1. The vast majority of students will qualify for financial aid or scholarships, so don’t let cost
dissuade you from considering college options.
2. There are two means of awarding aid to finance college: need-based aid and merit-aid.
3. Need-based aid is a factor of your family’s financial situation.
a. To qualify for need-based aid you must fill out the FAFSA and/or CSS Profile.
4. Merit-aid is based on a student’s academic and extracurricular achievements. Most of those
grants come directly from an institution.
5. RaiseMe provides a checklist for maximizing institutional aid at participating colleges so you
can plan your activities starting in 9th grade to get the most grant money.
17. 17
References:
Trends in Student Aid 2015, College Board.
Trends in College Pricing 2015, College Board.
2017 Guide To College Financial Aid, The FAFSA and CSS Profile, Forbes.
Editor's Notes
https://drive.google.com/file/d/0B40h-CUN-FiGNDRpRHhyQ3A1UHM/view
2015 Trends in College Pricing
Source: The College Board, Annual Survey of Colleges.