Getting Ready for College as a High School Senior Reply

Student Loan

Student loans and scholarship money.

It’s crunch time for high school seniors preparing for college. For many, the end of the prior school year and the summer before senior year was spent applying for scholarships and grants  and spent September applying to colleges.. Most students will have a decision from the colleges they have applied to by April, but there are things that need to be done before then.

Finishing up scholarship applications:

High school seniors should be finishing up the application process for most of their scholarship requests. It is important to review the scholarship application deadlines as well as ensure that all requested information for each scholarship is completed correctly. Many scholarships are very competitive and incomplete or incorrectly completed applications are often not considered. Others may require essays or letters of recommendation or transcripts. It is important to take the time with each scholarship that has not already been submitted to ensure that all requirements have been accurately completed.

Even though college starts in the fall, it is not too late to continue to look for other scholarship opportunities. This may be a good time to check with local social and philanthropic organisations in within the community for further opportunities. College expenses add up quickly and any extra fund sources, even smaller scholarships, are worth the time to investigate.

Two misconceptions regarding completing the FAFSA:

It is time to complete the FAFSA application, if it has not been completed already. Some students and parents think that they must wait until after 2016 income taxes are completed. Others think that they cannot apply for financial aid until they have been accepted by a college. Neither of these are true. FAFSA applications can be completed prior to income tax returns, and can be amended once the returns are completed. If a student has applied for more than one college, information on all colleges can be included in the FAS application.

With the FAFSA application, timing is everything. Many of the grants and financial aid options offered by the FAFSA are offered on a first come, first served basis. The sooner the application is completed, the more opportunities for financial aid will be available.

Most applications to college are decided in March or April. If a student has applied for Early Decision or Early Action, then likely he or she has already received the decision. It is important to speak with admissions counselors and understand the complete admissions process. Regardless of the admissions process for the individual college, having the FAFSA completed will simplify the process.

Learn more about what seniors in high school should be doing for college applications with Peterson’s.

Juniors: Prepare and Sign up for the ACT in February 1

It can sneak up on you. Sure, you’ve thought about college in the past, but suddenly now it’s just over the horizon. One more year of high school is all there is before you pack your bags and head off to higher education. Now, in addition to your current schoolwork, homework, and extracurricular activities, you’re looking at colleges and researching scholarships. There’s so much to do!

Contemplating the ACT® test can be daunting, but it’s an important part of preparing for college. Your ACT scores will be a very important factor schools look at during the application process. If you feel overwhelmed or concerned, it’s tempting to postpone the test. After all, you could take the test as late as September of your senior year.

That may not be the wisest course. Unless you have a very specific reason to wait, it’s a good idea to start preparing and schedule your test as soon as possible. We have two great ways to help you prepare for the test: Peterson’s ACT Prep Guide and online practice tests.

Petersons ACT Prep Guide_NonDVD_FrontCover

Peterson’s ACT Prep Guide

The Peterson’s ACT Prep Guide provides detailed information on each of the five test categories, general information on the test itself, and six full-length practice tests.

The Online Prep Course provides similar information on the test but has a few more added features. You can get an initial diagnostic that will give you an idea of where you should focus your study. It also allows you to enter your testing date and even has automated essay scoring to take the guesswork out of the test.

Remember, if you do your prep work, take the test, and are not satisfied with your results, you can take the test again. Testing early gives you more of an opportunity to continue ACT prep and re-take the test than if you waited until later in your junior year to take it the first time.

If you take the test the first time, and feel that more assistance might help you get a better score on the test, these ACT preparation products are readily available to you.

There is a lot to do between now and the end for your senior year to prepare for college. The best course is to continue to make steady progress. Getting the ACT under your belt sooner will allow you to focus on your other goals. This is one you shouldn’t put off. Take the test as soon as you can!

Fill Out Your FAFSA Early to Help You Estimate Your EFC Reply

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College money

Navigating the financial aid process can be confusing and difficult, especially when trying to calculate your estimated family contribution (EFC) on your FAFSA application. Your EFC is a number that determines your eligibility to receive federal student financial aid. This number is calculated by a formula that is established by federal law, and includes your family’s taxed and untaxed income, assets, and benefits (unemployment, Social Security, etc.), family size, and other family members who will attend college. Luckily, you don’t have to do this on your own. The US Department of Education makes a lot of great tools to help you estimate the aid you will receive.

First, if you are a high school junior scoping out colleges to attend after you graduate, you should start in January so that you can find out what the cost of attendance (COA) is for each of your prospective colleges. Depending on how much tuition and room and board is going to be, it will help you decide which colleges are worth spending time on.

So, how do you calculate your EFC? After you’ve filled out your FAFSA, this number will be available to you after the FAFSA has been fully processed. Though you are able to fill out your FAFSA between January 1st and June 30th for the same calendar year, you should file the application as soon as they are available so that you don’t miss out on any aid. You will have to fill out the FAFSA every year you attend college, so it is good to get familiar with the process.

However, if you want to estimate your EFC before filling out your FAFSA, there are many free tools online to help you do that. On the Department of Education website, they have a FAFSA4caster that will give you an estimate of your eligibility for need-based and non-need based aid, including federally subsidized and unsubsidized loans and other grants to help you pay for school.

Find out what your EFC is with a free calculator.

Study Habits of the Top 10% of Test Takers Reply

Sure, everyone knows you should study to do well on a standardized test, but what does it take to get a top score? Are there certain study habits that correlate with better scores?
We wanted to find out, so we surveyed more than 400 Magoosh students who scored in the top 10% for the GRE, GMAT, SAT and ACT. Here’s what we learned about the way they prep for test day.

The Big Takeaways

  • Lone wolves get awesome scores. 98% of respondents said they chose to study alone when asked if they preferred to study solo or with a group.Top scorers give themselves enough time to study. 84% of students in the survey studied for a month or longer for their exams.
  • Spending thousands isn’t necessary to get a high score. When asked how much they spent on test prep, 88% of respondents said they spent $300 or less. A majority also reported that they performed better than they thought they would on test day.
  • There’s no need to cram. 71% of respondents said they gave themselves a break the day before the exam instead studying to the last minute.
  • Scores benefit from the silent treatment. When asked if they preferred listening to music while studying, 63% of students said they chose to study in complete silence rather than with any kind of music or background noise.
  • Top scorers do sometimes leave the library. 68% of respondents said they exercised at least 1-2 times a week while studying.
  • It’s possible to score big the first time around. 68% students nailed the exam the first time they took it.

The Survey Also Suggests…

Money doesn’t guarantee satisfaction. More than 20% of students who spent over $500 on test prep said that they felt like they performed worse than they expected they would on test day. In contrast, fewer than 9% of students who spent less than $500 felt that way.
Paying more might actually stress you out. A majority of the students that reported paying more than $1000 felt nervous on test day. In contrast, fewer than 35% of students who paid less than $1000 felt that way.
Your study efficiency might decrease after 6 months. Fewer than 5% of respondents who studied between 1 and 6 months performed worse than expected on test day. That number jumped to 16% for those who studied for more than 6 months.

Most Common Advice From Top Scorers:

  • Once you know how long you have to prepare, develop a study routine and stick to it. Many students from the survey said it was helpful to work a strict study schedule into their daily routines. It helped them manage the workload and spread their study time out evenly across their few months of prep. Magoosh recommends giving yourself 3-6 months of prep time. That’s because studying more than that might burn you out, but anything less than that might mean you’re inadequately prepared for the exam. In addition, make sure you manage your intensity and try not to study for more than 4 hours in a day.
  • Dedicate a significant amount of time to learning from each question you miss. A large handful of top scorers from the survey said that while studying, you should be mindful of the mistakes you make. Try and learn from each and every question you miss, and — above all — avoid rushing through them. Several students also mentioned that keeping a log of their errors helped them learn and move on from each mistake.
  • Study strategically by focusing more on your weak spots. After your diagnostic test, review your answers and identify the types of questions you struggle with most. Top scorers from the survey said that other studiers should make a point to focus on their weak points, then practice those question types until approaching and solving them feels natural. (Don’t be alarmed if you start dreaming about certain test questions after a while.
  • Timing is everything. Knowing how to approach a question is great, but if it takes you five minutes to get to one answer, that won’t help you on test day. The top scorers from the survey said it’s crucial to be able to complete questions accurately under intense time constraints. At the beginning, you should study slowly and focus on developing techniques, but start timing yourself toward the end to prepare for the realities of test day.

This post originally appeared on the Magoosh Blog.

11 Reasons Why Going to an In-State College is Better Reply

application4Deciding whether or not you want to go to college in-state or out-of-state can be a tough decision. Affordability, acceptance, independence, and where your friends go can all factor into your decision. While going to college out-of-state has perks if your budget allows, going in-state can save you a lot of money and headache, especially in the first couple years of school. Consider these tops reasons why you should go to school in your home state.

  1. Consider your budget

In-state tuition is significantly cheaper than out-of-state tuition. In some cases, schools charge more than twice as much if you are coming from a different state. Reducing the amount of student loans you have to take out in order to graduate should be on the top of your list when considering which college you want to go to.

  1. In-state colleges allow you to be close to home

Even if you choose a college that is a couple of hour drive away from your home town, being close to home has its benefits. During breaks, you can easily drive home to be with your family and friends if you go to an in-state college. On top of that, having your family close will allow you to have a greater sense of support when you need to reach out for help — having a free place to do your laundry is huge perk as well.

  1. In-state colleges are typically academically equivalent

In-state colleges often get a bad reputation, especially when you consider them next to ivy league and division one schools, but don’t think that your state’s college won’t offer the same amount of academic value as the other schools. Depending on where you live, your state college might be one of those high-ranking universities anyway, but even if it isn’t, you will still be able to obtain your degree from an accredited institution and find a job after you graduate.

  1. It is often easier to get accepted into an in-state college

Getting accepted into colleges is often not considered as much as it should be when students first apply. Some colleges can be hard to get into if they are out-of-state, especially if you don’t have very high SAT and ACT scores, perfect GPA, and extracurricular activities that show you will bring value to the school. Typically, however, in-state colleges take into consideration that you are from in-state and can be easier to get accepted.

  1. Consider scholarships and additional financial aid benefits to going in-state

Some states offer additional financial assistance to students who go to school in their home state. These types of state programs can help you keep your student loans to a minimum while still being able to achieve a high level of education. Check with your college’s financial aid office to see what types of extra financial assistance might be available to you.

  1. Community college is a great way to save money while getting your generals out of the way

Another decision high school graduates have to make is whether or not to go to a state college or university, or a community college in your home city. While community colleges don’t offer a complete bachelor’s degree, they do often offer two-year technical degrees, certificates, and can be a great way to get your generals out of the way before you go to a state college where tuition is typically higher.

  1. Where you get your bachelor’s degree doesn’t matter as much as you think

Yes, getting a degree from an ivy league school like Harvard or Yale is better when finding a job or applying for graduate school, but this comes with a huge financial burden. For the majority of people who get their bachelor’s degree, what matters most to employers is that you are hard-working and have academic and professional experience.

  1. Consider where you plan on working

If you are planning on finding a job in your home state, employers will value students who graduate close to where the company is located. Especially for entry-level positions, home-town companies often want graduates who have family close because it is a signal to employers that you don’t plan on leaving.

  1. Save money on travel and living expenses

This isn’t something that most students think about. When you go to school in-state, and especially in the same town where your family is located, you can save a lot of money on the little things, like laundry, food, travel, and rent. Even if you decide that you don’t want to live with your parents, you will find that having them close will help you save money in the long run.

  1. Don’t forget about the unexpected

Unexpected situations pop up where you will need help and having family close will make it that much easier. If your car breaks down, you need help moving, or you just simply forgot to bring bring your homework to class, you will find that having family close will help to reduce the stress of the unexpected situations that come up.  

  1. Independence comes in many forms

Going out-of-state may offer a greater sense of independence, but that independence also comes with higher costs and a greater sense of responsibility. If your school doesn’t have dorms, consider renting an apartment with a couple of your friends that are going to the same in-state school as you. This can help you gain independence and save money doing so.

Top 11 Reasons Why College Students Dropout: Don’t Let it Happen to You Reply

Students drop out for a number of reasons. A lot of time it has to do with money, time, or an unexpected emergency where they become unable to keep attending college or not go in the first place. Here are the top reasons why students drop out of college and what you can do to avoid the pitfalls.

  1. School costs too much

One of the biggests reasons that students drop out of college is because of the lack of funds to keep going. Many students take out school loans, but that isn’t always enough. Between the costs of classes, books, rent, and just trying to survive, students are more and more learning that while worth it in the long run, the cost of education is high. Check with your school’s financial aid office and search online for scholarships and help paying for tuition.

  1. Needed to get a full time job

This goes along with the cost of education. A lot of students find that they need to get a full time job in order to pay their bills, which cuts into being able to attend classes. However, a lot of people find that if they can take even one class a semester it will help them to lighten the load and complete their degree. Graduating from college is a long term commitment, and there is nothing wrong with taking longer if that is what you need to do.

  1. Family issues

Family can be very helpful while going to college, but for a lot of students family can be a huge stressor and burden on their life. Especially if a family emergency happens, you might have to take time off from school. Keep in mind that professors are generally understanding of student’s situations, so often if you let them know of your situation, you can work out a plan to finish your coursework on your own time. Your teachers want to see you succeed.

  1. Too much stress

Going to college is stressful, there is no doubt about it. If you are just graduating high school, then the amount of coursework mixed with the personal life and new sense of independence will get to you. But, the important part is that you learn how to cope and find ways to study. It is OK to have fun, but passing your classes is essential to your success.

  1. Not sure of major

Many students go into college with their major undeclared, which is completely fine. However, as you get farther along in college, you are going to have to eventually declare a major. Don’t let this stress you out so much that you end up dropping out of college over it. Keep taking classes, meet with your professors and advisors, and find something that you are passionate about.

  1. No need to complete a full degree

A lot of students go to college just to obtain the knowledge they need to succeed, and sometimes you don’t need a full degree to succeed in life. Students who need a little bit of education in order to obtain a leg up in their career can find a lot of resources at college.

  1. Unprepared for the work load

Attributing to their overall stress, students who graduate high school and go straight into college find that the workload is more than they expected. Prepare to spend more time on your classes than you did before, but don’t forget to take some time to relax and recharge your brain too.

  1. Personal emergency

Personal emergencies are stressful enough when you are out of college. If something happens where you aren’t able to go to class and finish your homework, speak with your professors so that you can make other plans to finish your coursework, take tests, and make up the time missed in the classroom. As stated above, teachers want to see you succeed.

  1. The college atmosphere wasn’t the right fit

Some people just don’t mesh well with the traditional college atmosphere. And that is OK. If you consider yourself one of these types of people, consider the other alternatives to traditional education. You might find that an online program is a better with for your lifestyle. Or, consider taking classes part time so that you can work while you go to college.

  1. Too much fun outside of class

Don’t let personal freedom take control of your entire life. It is fine to have fun, meet new people, and enjoy your life in college, just be sure to take time to actually study so that you can pass your classes.

  1. Lack of advising

Lack of advising is often a problem in many colleges. A lot of the problem too is students don’t take the time to meet with advisors when they need it the most — don’t let this be you. Meet with your advisors and plan out your goals for college. And if they don’t help you, go to your college professors, mentors, parents, friends, and anybody else that will help you reduce the stress of how to obtain your personal and professional goals.

Keep in mind that just because you drop out of college, it doesn’t mean you can’t go back later to finish. More and more students are taking classes part time or dropping out for a semester and going back later. Graduating college is a very important aspect to being successful, and it is never too late to finish your degree. Time goes by fast, so know that you can finish one class a semester if you have to to lighten the load. Keep in mind these top reasons why most college students drop out to help safeguard yourself from not being able to complete your degree.  

High School Juniors Will Get to Take the SAT for Free Reply

New York City public schools have taken a big leap in helping students pay for standardized testing and ease the burden of the college application process. The New York Department of Education has announced an initiative coined SAT School Day that will allow high school juniors to take the SAT for free starting in the spring of 2016.

By waiving the registration charge of around $54.50, free testing will go a long way in helping students get into college. Though it was intended to help low-income families have an equal chance of going to college, all students, no matter their income, will be able to take the test free-of-charge.  

Schools will also be scheduling SAT test-taking time during the school day so that students won’t have to take time out of their weekends, which is how it is typically done now. High schools won’t make the test mandatory, but this should help improve test participation.

More than anything, this is part of New York State’s educational plan to increase the number of students applying to college after high school graduation. The hope is that taking the SAT will become a regular part of a student’s high school atmosphere. Kids take enough standardized tests as it is, but the SAT has become a requirement for admittance into most major colleges and universities across the nation.  

High School sophomores and juniors were given free access to take the PSATs back in 2007 as a step towards ensuring student success. On the same day sophomores take the PSAT, juniors will have the option to take the SAT.

Six thousand students in 40 NYC public schools participated in the SAT School Day pilot program in the spring of 2015, and another 52 schools and 9,000 students will be added to the program. The citywide implementation of the SAT School Day program will happen in the Spring of 2017.

Class Participation in the American Classroom Reply

You might think that perfect scores on tests, homework and projects might be all you need to do well in a university class in the USA, but you’d be wrong and the reason will probably surprise you: you have to participate in class.

Having to participate in class is something that always surprises new international students when they come to the USA.

“The biggest surprise is U.S. education. It’s very strict and you have to ask instructors questions if you don’t understand. You have to participate in class,” said Pirakorn Iamcharernying, from Thailand, who studied in the Intensive English Program at the University of San Francisco in California.

Your first day of class, you will be give a syllabus. Reading through the pages that outline the grading criteria and student expectations the professor has of you, you will see a word that will become very familiar to you while studying in the U.S.: participation.

What exactly is “class participation?” Each professor will have their own definition of student participation and they may even describe it in great detail in the syllabus for their class. Professors will grade on the frequency and quality of your participation in class. Generally, class participation is contributing to class lectures, either with comment or questions, volunteering answers to questions directed at the class and being attentive.

Why is class participation important? The first, most obvious answer is to make sure you’re actually there! You can’t participate in class if you’re not present. Another reason is to make sure you’re listening and absorbing the material discussed in the lecture. Having to answer questions about what is being discussed keeps you attentive. And finally, participation challenges you to understand the concepts and think through them critically.

This is a foundational concept in the U.S. classroom and it is part of the style of teaching here in the states. In the United States, the education system is designed to go beyond memorization. Obviously, you must know the material, but the application of concepts is much more important. There is a reason individuality is an integral part of American culture: it encourages ingenuity. Professors want you to not only hear what they’re saying, but they want you to understand what they’re teaching. You may even be asked to debate with your professor! The idea of arguing with your professor can be very uncomfortable and your first instinct may be that it’s disrespectful. After all, it may be extremely disrespectful in your home country. But rest assured, if you speak respectfully, you probably would not offend your professor.

“I was very surprised when students and the professor argued about some issues in the class. I think this is very good for students to improve critical thinking ability,“ explains Yujeong Moon from South Korea who studied English and business at Angelo State University.

Since an American style classroom and the education system will be all new to you, I suggest observing how American students participate in class and how their contributions are received. Some professors might have a more casual style and allow for open commentary in the class. Other professors may require that you raise your hand and wait to be called upon. Remember, you can always ask your professor for clarification too.

Speaking up in class or taking a chance and answering a question—in front of people, no less—can be really intimidating, especially for an international student and if English is not your first language. But you must try if you’re going to be successful in your studies and the more you do it, the more comfortable you’ll be.

Jennifer Privette is the Editor and Assistant Publish of Study in the USA magazines and StudyUSA.com. She has a bachelor’s degree in journalism from Seattle University.


All views and opinions of guest authors are theirs alone and are not representative of the views of Petersons.com or its parent company Nelnet.

Peterson’s to Release ACT Prep Guide in March 2016 Reply

Petersons ACT Prep Guide_NonDVD_FrontCoverPeterson’s ACT® Prep Guide: The Ultimate Guide to Mastering the ACT is the latest installment in Peterson’s very successful history of publishing leading ACT test prep. Peterson’s published ACT titles have sold more than one million copies over the past five years and have been the preeminent ACT resources on the market.

“Peterson’s is excited to announce that the story continues with the latest addition to our product line, the Peterson’s ACT® Prep Guide: The Ultimate Guide to Mastering the ACT,” says Jeffrey Noordhoek, Nelnet CEO. “Peterson’s published the official ACT test preparation guide for over a decade and we know how and where students prepare for their academic future. We remain committed to publishing resources with the highest standards to ensure accurate, dependable, high-quality content to help students prepare for the best score possible.”

The ACT® Prep Guide offers students exactly what they need to prepare with confidence for this important college admission test, including: a full-length diagnostic test to evaluate a student’s strengths and weaknesses, six practice tests – four in print and two online – all with detailed answer explanations and in-depth review of all test sections, as well as strategies on how to raise test scores and feel at ease on test day.

For more information on this publication, see the full press release on PRWeb.

Starting Your First Year on Campus Reply

Time flies. Summer has gone by quick and now it is time to start getting ready to go off to college. It wasn’t that long ago that you were a lowly freshman in high school; learning the ropes, trying to find your classes and your locker, and figuring out how you fit in to this brand new situation. Now you’ve graduated, high school is behind you, and you are about to start out once again as a freshman in a new and strange place. For some, this is an exciting prospect. For others, it may be terrifying! For most of us, it’s a little of both. Many questions are likely running through your head. What should you expect? What will your dorm be like? Will your roommate be nice and easy to get along with?  What should you bring?

First you should expect that, like your freshman year in high school, it will probably take you a few weeks to familiarize yourself with the area and get accustomed to your new life as a college student. Try to relax and give yourself a break and allow yourself to be a freshman. You will get lost. You and the other freshmen will be easily recognizable on campus because you will likely have maps in your hands and a somewhat perplexed expression on your face as you begin to learn to navigate the place.

When you first get to college and get yourself settled in, take some time to explore the campus and your dorm. There will be rules for your dorm, make sure you read them and understand them. Remember your RA (Resident Assistant) is there to help you. The RA applied to that position because he or she wants to help you get settled in and happy in your new environment. Your RA is a resource that you should use! Wander around. Allow yourself to get lost and discover new places.

Most likely you will have a roommate. Many students headed to college worry that they will not get along with their roommate or that there will be potential issues or conflicts. This does not seem to be the case very often – most college roommates get along great and become good friends. Honest and open communication can prevent most conflicts before they even happen. Also, remember that this roommate is likely just for one year and if things aren’t going well, you’ll probably have the chance to make a change before the beginning of next year.

As far as what to bring with you, there are several suggested lists on the internet. Be sure to check your dorm’s rules before bringing things like microwaves, toaster ovens, coffee makers and the like, as some have fire regulations that prohibit such items. Bring mostly comfortable clothes and shoes to wear to class and a few more formal outfits for special events or interviews. Don’t forget to bring pillows, sheets, towels  washcloths. You will want a shower tote and slippers to wear to and from the shower. Bring things like photos to help remind you of home. We all have tons of electronics we bring with us (laptops, cell phones, tablets, etc) – don’t forget the chargers for these! Obviously bring some school supplies (paper, pencil, notebooks) for your first few days. It may be advisable to wait to see what you will need for your classes and buy supplies then, rather than buy a bunch of supplies to bring with you that you may not need.

The most important thing you can bring with you is your humor, your patience and your sense of adventure. Yes, your first few weeks at college will likely be stressful, they will also be exciting and fun. Don’t forget to enjoy yourself!