This document provides information about a Class of 2015 Year One C.T.O. Planning Night held on February 27th, 2014 from 6-7:30pm. It introduces the C.T.O. Director and advisors, discusses college options including the large number of colleges in the U.S. and options within SUNY and CUNY systems. It then outlines the resources and support provided by the C.T.O. office including meetings, fairs, visits and workshops. Finally, it provides an overview of the college admissions process including criteria, applications, financial aid, and next steps for students.
Preparing for college with middle schoolersLisa Allard
If you have a student in middle school, now is a great time to think ahead toward college. We’ve put together a roadmap to direct your steps and give you the information and tools you need to stay on track.
College is a significant investment. Is it really worth the cost? We’ve put together some information that answers that question, and also sheds light on how to save (and why).
If you’re beginning repayment on a student loan soon (or know someone who is), it’s important to understand the process and to stay on track. Keeping up to date with student loan payments is necessary to build a solid credit history and maintain strong financial health.
If you have a student headed to college in the fall, you’ll need to start putting together a plan to pay the college bill. We’ve created a presentation below that walks through all of your options, as well as explaining your financial aid, the college waitlist, and the timeline of the next few months.
Preparing for college with middle schoolersLisa Allard
If you have a student in middle school, now is a great time to think ahead toward college. We’ve put together a roadmap to direct your steps and give you the information and tools you need to stay on track.
College is a significant investment. Is it really worth the cost? We’ve put together some information that answers that question, and also sheds light on how to save (and why).
If you’re beginning repayment on a student loan soon (or know someone who is), it’s important to understand the process and to stay on track. Keeping up to date with student loan payments is necessary to build a solid credit history and maintain strong financial health.
If you have a student headed to college in the fall, you’ll need to start putting together a plan to pay the college bill. We’ve created a presentation below that walks through all of your options, as well as explaining your financial aid, the college waitlist, and the timeline of the next few months.
We’ve put together a brief presentation to explain the language you’ll encounter when borrowing a college loan, how to differentiate between lenders, and ways to make sure you borrow wisely.
How to get Your High School Student into College in 4 years or Less G Z
Gretchen Zaitzeff & Holli Will share their personal knowledge and experiences navigating the college admissions process with their high school students.
It’s important to understand the differences among all of your college loan options. This presentation provides guidance on comparing interest rates, calculating total loan cost, and what to read in the fine print.
The Ultimate Scholarship Guide is designed to help every student to gain access to over $90 million in college scholarships. The book consists of seven outstanding chapters that demonstrate how to get scholarship funds right away. There is an easy strategy to find money to pay for college. This book will offer some surprising tips.
If you have a high school senior starting to receive college acceptances, congrats! The admissions process is a long road, and your family is nearing the end of it. But one of the most important steps – figuring out how to pay the college bill – still needs to be completed.
MEFA's presentation outlines the things families need to know about paying their college bill. Learn about financial aid (and types), and how to select a college loan.
Show students how they can be better candidates for college scholarships by taking the tough classes, building a quality activities resume, earning good grades, and performing well on the ACT/SAT.
We’ve put together a brief presentation to explain the language you’ll encounter when borrowing a college loan, how to differentiate between lenders, and ways to make sure you borrow wisely.
How to get Your High School Student into College in 4 years or Less G Z
Gretchen Zaitzeff & Holli Will share their personal knowledge and experiences navigating the college admissions process with their high school students.
It’s important to understand the differences among all of your college loan options. This presentation provides guidance on comparing interest rates, calculating total loan cost, and what to read in the fine print.
The Ultimate Scholarship Guide is designed to help every student to gain access to over $90 million in college scholarships. The book consists of seven outstanding chapters that demonstrate how to get scholarship funds right away. There is an easy strategy to find money to pay for college. This book will offer some surprising tips.
If you have a high school senior starting to receive college acceptances, congrats! The admissions process is a long road, and your family is nearing the end of it. But one of the most important steps – figuring out how to pay the college bill – still needs to be completed.
MEFA's presentation outlines the things families need to know about paying their college bill. Learn about financial aid (and types), and how to select a college loan.
Show students how they can be better candidates for college scholarships by taking the tough classes, building a quality activities resume, earning good grades, and performing well on the ACT/SAT.
12 September 2012 1ABCT Weekly News Update: please pass along to Soldiers, Family and Friends of 1ABCT. You can always stay up to date with local events by going to 1st Infantry Division page at http://www.riley.army.mil/default.aspx or if you are having issues reading this you can click on this link to read the weekly news. http://www.riley.army.mil/UnitPage.aspx?unit=1bct.
Handful of slides that served to guide the roundtable discussion featuring rhinotale, Discover, Walgreens and Wirestone at WOMMA's signature WOMMU event in May 2013.
Mobile, social, cloud and data have changed the way consumers shop and engage with brands. The new rules of customer engagement for business offer huge opportunity to grow business rapidly while introducing new efficiency in the operations and supply chain. Here we talk about the challenges, opportunities and the way forward for brands to engage with customers and partners according to the newly evolved rules driven by mass consumer technologies.
“Good writing is difficult. It takes a lot of practice and it can be very time consuming. And at the end of the process… you might not get your message across. The purpose of this presentation is not to convince you that writing is fun. Many of you will never think that writing is fun! Rather, the purpose of this presentation is to show you ways of maximizing your impact in print so that you get a better return on what you write.”
This presentation focuses less on the "nitty gritty" aspects of applying to college, and instead focuses on how to give advice regarding major decisions. It addresses various misconceptions about college to ensure students can make informed decisions.
Single parents face unique obstacles when they pursue higher education. These scholarships, exclusive to single parents, are designed to ease a single parent’s path to graduation, and support their goals to secure a better job and life for their family.
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.
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!
Paying for College: FAFSA, Financial Aid, and More Parent WebinarCollegeBoardSM
The College Board hosted a webinar to share information about paying for college. The webinar was hosted by Dean Bentley from the College Board and featured Deren Finks from the Kiski School and Samantha Veeder from University of Rochester. Learn more at collegeboard.org/parents.
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
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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
Year 1 Intro to CTO Workshop 2014 - BHSEC Queens, March 2014
1. Class of 2015
Year One C.T.O. Planning Night
February 27th, 2014 – 6:00 – 7:30pm
2. Elena Yesner
CTO Director, Queens
CTO Advisers:
MarinaWoronzoff –
Learning Center Director
Patricia Sharpe – Dean of
Studies
AngelTelesca – Guidance
Counselor
Elizabeth Canty –
Guidance Counselor
Julia Robinson- Surry –
Chemistry Faculty
Holly Brown– Spanish
Faculty (on Leave Spring
2014)
Mike Magee –
Psychology Faculty
3. Colleges and University Options
There are over 2,500 4-year Colleges and
Universities in U.S.
19 SUNY’s 4-year Colleges ad Universities
(State University of NewYork)
11 4-YearCUNY’s Colleges (City University of
NewYork)
5. Small Group College Transfer Advisory Meetings
Individual Advising
CTO Resource Office
Naviance
BHSEC Joint Spring College Fair
College Visit Trip – “Simon’s Rock Trip”
Over 40 Fall CTO College Information Sessions
Workshops on Financial Aid
8. • Each school weigh each factor differently.
• Larger Schools - tend to focus on more
quantitative data
• Smaller Schools and More Selective
Schools – focus on qualitative indicators
and use “Wholistic Review”
• Test-Optional/Flexible Schools: www.fairtest.org
What matters most?
9. Always:
Transcripts - both GPA’s and Courses Chosen (above and
beyond required)
StandardizedTest Results (ACT, SAT and SubjectTests)
Letters of Recommendation from 1-2 Faculty )almost always
aY1 teacher) and CTO Advisor.
Personal Essay and OtherWriting
Special Activities (school, community, honors, awards, etc.)
Sometimes/Often:
Personal Interview (optional)
Demonstrated Interest (sometimes)
Supplemental Material and/or Letters of Recommendation
Admissions Criteria: Highly Selective &
SelectiveAdmissions
10. Always:
Transcripts
StandardizedTest Results (ACT, SAT and SubjectTests)**
Minimum Required Courses
Sometimes:
Personal Essay and OtherWriting (Sometimes)
Letters of Recommendation from Faculty and CTO Advisor
**For BHSEC Students, the major exception here is CUNY.
Admissions Criteria: Less Selective &
Open Admission
11.
12. Regular Decision Rolling
• College Review Apps as
they are submitted and
make decisions throughout
the admissions cycle.
• Towards the end of the
cyle, admissions may
become more selective.
Regular Decision and Rolling Deadlines
13. Early Decision:
• If accepted, student will
definitely attend that school.
Early Action:
• Indicates to school the student’s
strong preference.
• Student not obligated to accept
offer of admission or decide until
May 1.
• Student may apply to others
without restriction**
** Unless it’s a “restricted EA”
14. 1. Submitted by the Student:
▪ Application & Supplement
▪ Application Fee
▪ Essay
▪ Resume
▪ StandardizedTest Score Reports (via College Board/ACT)
2. Submitted by CTO Advisor and Faculty:
▪ Letters of Recommendations
▪ Transcripts (Both College and High School)
▪ Secondary School Report
▪ School Profile
What Does a Completed Application Look Like?
15. BHSEC Students apply as “FIRSTYEAR” students
Often using the CommonApplication. Can be submitted
to multiple colleges.
Fee’sVary. Fee Waivers available if you’re on free or
reduced lunch.
SUNY’s and Private Colleges
16. • BHSEC Students must apply asTRANSFER’s.
• Allows for 4CUNY Choices, in ranked order. Students
will hear back from only 1.
• $75.00 fee. Limited fee waivers available
The CUNY App
18. C’s and above, generally
B’s and above, in some cases
19. CUNY
Generally, 50-60 Eligible CreditsTransfer*
SUNY and Out-of-State Public
Generally, 50-60 Eligible CreditsTransfer*
Private Colleges
Varies Widely – from 1.5 years to individual
classes*
20. CUNY Apply as Transfer
SUNY Appy as Freshman and then transfer
credits in later.
Out-of-State Public Schools Varies
Private Colleges Typically, Freshman
22. Active/Participant Learning vs. Passive
Career Orientation
Independence
Social Consciousness
Self-Understanding
Academic/Social Balance
Eagerness for Continued Study
GetTo KnowYourself
23. Safety, Probable, Reach
• Apply to a maximum of 2-3 in each category
“Safety” or “Likely” Schools - this should be a “slam dunk”.
“Probable” or “Match” Schools - these are schools were you
are right in the middle of their admitted students profile
“Reach” Schools - these are schools you like, but where you fall
just a bit short of their middle 50%. But these should still be
possible.
It’s About Balance…
25. Visit 2 + colleges per semester!
Read College Guide Books
Pay close attention to your academic record
and progress reports.
Take Leadership roles, plan an active summer
26.
27. Prepare for SATs or ACTs; decide if you want
to take subject tests.
Explore the difference between the ACT and
SAT tests.
SAT Prep Offered at School through
Princeton Review
Other Low-CostTest Prep offered at
community organizations
28. Our “testing philosophy”
When to take them for the first time:
• SAT March 2014 or May 2014
• ACT w/Writing April 2014
• June 2014 – 2 SAT SubjectTests
Fee waivers – available for FRL students. Ask In the CTO.
Recommended but not required by most schools:
Two subject tests in subjects you are strong in.
29. What is ‘Financial Fit’?
How do I know if a school is a good financial
fit for me?
Talk about resources
Use NET PRICE CALCULATORS!
http://netpricecalc.challengepost.com/submission
s/5718-net-price-calculator-typography-video
30.
31. Facts:
Some scholarships are “merit-based,” that is,
they are awarded based on a student’s academic
performance.
However, most financial aid is “need-based,”
that is, awarded based on a family’s ability to pay
for college.
32. All colleges use a basic equation to determine
financial need:
College Costs
(tuition, fees, books & supplies, room & board,
transportation, miscellaneous expenses)
minus
Expected Family Contribution
(the amount the Federal Government
determined you & your family can contribute)
= Student’s Financial Need
If the result is positive (college costs more than you
can contribute), then you have demonstrated
“financial need.”
33. Examples of need-based aid:
Federal and state grants do not have to be repaid.
Work-study (money earned by the student through on- or off-campus
jobs)
Subsidized student loans (low-interest and interest deferred until 6
months after graduation)
Parent loans (low interest)
Examples of non-need-based aid:
Some college and state-funded scholarships and most private
scholarships
Unsubsidized student loans (low interest and interest accrues
while still in school)
34. The amount expected from parents varies from
family to family according to the ability to pay
derived from information submitted in the
FAFSA (Free Application for Federal Student
Aid), and is called the Expected Family
Contribution.
35. Examples:The Santiago’s
• Two kids - Joe (Y1), Melissa (7th Grader)
• AGI: $90,000
• Savings: $20,000 for emergencies and $10,000 in 529
tuition savings plan for each kid
• Joe is academically strong - 3.6 and 1300 on the CR/
M of the SAT
• They determine they can pay $14,000 per year
• They assume Joe will take out $5500 his first year
and get a campus job worth at least $1500
36. Fact: Most financial aid and scholarship applications
are free.
Fact: Nobody can guarantee that you will win a
scholarship.
Do not pay to get information on financial aid and
scholarships.
If it sounds too good to be true, it might be a scam!
Free searches for scholarships are on the Internet:
www.fastweb.com
37. School Name Net Price Estimate
SUNY Bing $13,615
SUNY Albany $12,584
Purdue U $34126
Michigan State U $35170
University of Wisconsin Madison $31,491
East Stroudsburg $24,400
UConn Stamford $31,192
Vanderbilt University $6,535
Stanford University $4,829
Grinnell College $10,079
NYU (living at home) $22,515
NYU (Dorming) $40,865
Pace (living at home) $22,000
Hofstra (dorming) $23,545
St. Bonaventure $21,072
38. Scholarships help students pay for their education.
Scholarships do not have to be paid back.
Scholarships are available for students who demonstrate
achievement in academics, athletics, the arts, or
community service
Also available for students with financial need or who are
interested in certain fields of study, or who meet certain
criteria, such as a parent’s membership in a service
organization.
Scholarships are awarded by the college or other
organizations (churches, corporations, etc.)
39. Fact: Some student loans are “good debt” because
with a college degree you are increasing your
earnings potential.
Fact: Student loan repayments are manageable.
For example:The average beginning salary for a graduate from a
large east coast public university is $38,170 annually or $2,742 per
month. If a student were to borrow the maximum amount of federal
student loans, payments would only be about $333 per month.
Fact: Defaulting on a student loan (or any loan) is
bad.
40. Fact: True, there are some private colleges where
tuition costs more than a new car.
Fact: 78% of college students attend schools where
tuition and fees are less than $8,000 per year.
Fact:The average tuition and fees for a public 4-year
college/university is $5,132.
The higher the cost of education, the easier it is to
demonstrate financial need.
41. Federally backed educational loans are a good
investment and available to almost all students
Federal subsidized loans are made to
financially eligible students
Federal unsubsidized loans are made to
students without regard to finances
Interest rate is now fixed at 7.2%, unless
Congress changes the law.
45. A web-based resource for students and parents
that encourages and supports post high school
career and college planning
Family Connection is specific to our school
Family Connection is linked with Naviance
Succeed, a service that is used in the CTO.
45
46. Family Connection is web-based
http://connection.naviance.com/bhsecq
Student accounts
Parent accounts
46
47. Students and Parents will receive a registration code via
email the first week of CTO Advisory
Registration codes are used to create
accounts
Codes are random and alphanumeric for security
reasons
Codes can be used only once
47
48. Naviance Scattergrams - CUNY Hunter College
Accepted
College GPA
Average
&Scores
THIS
IS
YOU!