Programs for Education

“I wish I heard about you sooner.” is not an uncommon response after I explain what we do. “I expected that at least two of the colleges my daughter had her heart set on would give her more financial aid.”  Every year, several families come to us because they heard from someone that we can help them “get more money” from the top choice colleges to which their child has been accepted.

Quite often we can, but once the horse has jumped the fence and headed for the hills it is much harder to do. (One of our offices is on a equestrian farm.) You do not want to be a parent who realizes too late that the cost of four years of college is not possible without borrowing an amount that resembles the cost of a used Rolls Royce with body damage.  

No matter how often I talk about the importance of our money saving “heart attack prevention” exercise called the “Dry Run” (step # 3 in the college planning timeline) there are still families that do not take advantage of it. Of course, it is not the end of the world if the student attends a community college for a couple of years. In fact it could be a good strategy in some instances. But more satisfactory outcomes result with planning that includes an early look at the financial options all families have.   

Many families go through the college selection process content not to question the colleges’ “we have financial aid” pitch or “our average grant package is $23,000.” Wide eyed impressionable teenagers are told to “just put your application in and then apply for financial aid.” Once you are accepted “we will send you a financial aid package.” 

All that students hear (and some parents) is what they want to hear. Reality comes knocking at the door too late for many of them. Though the most frugal and financially savvy parents have saved enough to cover the first year or two, it often does not cover all four…or dare I say, five or six. To do that is very difficult without a steady source of extra income coming into the household. (By the way, we do have a solution for that too. Read the last paragraph here; then give us a call.)

In the meantime, if you have a student still in high school with college aspirations, NOW, not later, is the time to call to complete a “Dry Run”. It does not matter if the college list hasn’t been started yet either. We can suggest appropriate colleges.

This past  June we saw many graduation celebrations in the towns surrounding our main office here in the heart of New England. It began about eighteen years ago for the high school seniors and who knows how many years for the college grads. (See Undergraduate Catagory below.) It seems like yesterday that I was in their shoes. Well, maybe the day before yesterday.         

The valedictorians and an assortment of college commencement speakers will have shared their words of hope and encouragement to millions of graduates by the end of June across the country. You may have heard one or two of them.

There is one speaker you will not hear at any of these celebratory events this week. But you can here. In fact, I believe anyone can benefit from his enriching words of wisdom. His name is Michael Himes. He was a Professor of Theology at Boston College.

His last lecture prior to retirement at BC was one of the most meaningful, inspirational and compassionate talks I have ever had the pleasure of hearing. I almost think that most traditional commencement speakers could be cancelled and a DVD of his last lecture simply be handed out to all the college graduates. Here is yours. Let me know what you think.    

As each spring comes and transitions into summer, I am energized with new life as I see our students conclude one phase of their education and start another. For many teenagers, it may not include college but nonetheless it is a journey toward personal growth and maturity. Hopefully, it will be more than biological maturity but emotional, spiritual and intellectual maturity as well. All of which can come about without the benefit of the college experience.

But if college is the next step, then take full advantage of it. We show students how to evaluate colleges in two important ways. First, how does the freshman class statistical profile fit their profile?  By the time the junior year is concluded, a good number of statistical measures can be seen to determine that.

Our students will do their due diligence using the AAA method. That includes seeking out the Common Data Set for each college on their list. 

Second, is the college qualified to provide the educational and social experience they are seeking? Do not measure a college by the number of professors with a PhD degree it may have. That does not mean they can teach. For example, look here at a Yale professor introducing his course in finance, Economics 252. I suggest this is one reason why our country is such poor shape financially.  Graduates are either clueless or have cleverly figured out how to “game” the system.

If you can, watch his perplexing presentation. What this professor says in the introduction to his course could be said in fifteen minutes. Someone somewhere decided that college, like high school, should be a four-year experience, as a result much of what takes up valuable class time is just inflated fluff. What is taught in four years can be covered more than adequately in three. What do you think?   

In any case, is the college faculty qualified to teach your child? And, what is it they need to learn? Those are the questions which we can help you answer. Call for a FREE “get acquainted” conversation. (978) 582-0273 or SKYPE@ (978) 582-3246

When I was looking at colleges “DI” stood for drill instructor, not demonstrated interest. The DI was someone many kids in my generation had very little interest in knowing. In the myriad of acronyms and abbreviations surrounding the college process today, “DI” refers to the level of interest the applicant demonstrated in a particular college. 

The question is how much importance does the college admissions committee (adcom) place on demonstrated interest. The answer is, not much…some…and very much. In other words, it depends on the college. Emory and American, for instance will admit it takes the applicant’s level of interest into consideration. Others, like Stanford and MIT, may say it does not matter how much interest you show, they look at all applicants equally. But I suspect they say that to ward off students who want to game the system, as you will learn here. 

Regardless of what a school may say, I recommend that all students make an effort to show demonstrated interest and learn as much about their prospective colleges as possible. It all starts with research using the AAA method. Once that is accomplished the student should have a good idea of the appropriateness of each college on his or her list.    Is it a good fit intellectually, compatible with ones values and, based on the common data set, is it a reach, a 50/50, a safety or in the “snowballs chance in ____” category? Not to mention are they affordable? If such due diligence still leaves the college on the list then further inquiries need to be made.

Such inquiries may be described as showing “demonstrated interest” and that is fine.  For instance, prospective students should know about the depth and nature of academic internship and career advising. Other good conversation starters are:  

1. Is the faculty 100% invested in the teaching of undergrads and if teaching assistants are used what are their responsibilities? (Universities primarily)
2. What has been the four-year graduation rate over the last four years, and does it vary with major? 
3. Are certain programs offered in the (your intended major) department going to be expanded or cut back?
4. I am a student at a high school that does not give grades. Are you familiar with the ________ Schools curriculum? How do you compare my application with someone from a more traditional high school?
5. What will be the merit scholarship criteria for the “_______ Scholarship next year?”   

Do this more to learn more about the school’s attitude toward students than with the intent of “buttering up” the regional admissions counselor. Colleges can spot the disingenuous inquiry. Thoughtfully think about the questions before you call (or email) them. Of course, be sure you are not asking questions that are already answered in the “fast facts’ or FAQ sections on the college website.  

By the way, too many students are taking their safety schools for granted. Applicants should have some good reasons why they would be fine at their safety too. Carefully research and show interest in them as well. Such fall back colleges have been known to wait-list or reject students whom the adcom has determined would not attend if accepted. No college markets itself as the # 1 “favorite safety school”, so buyers beware. Even state colleges are hard pressed to accept the students they once could because of the over flow of applicants. States are cutting back faculty, programs and other costly expenditures once taken for granted. In many cases, a top student may be able to go to a private college at much less than a state supported public.    

If you are in the Class of 2013, now is the time to review your college list and make plans for the summer. Some of you will take Subject tests and the ACT this month, but at the end of June you will be starting the college application and essay writing process, give us a call or email today. We will soon be announcing our college essay-writing program for students throughout the country.

The Dynamics of Demonstrated Interest

By Eric Hoover

This year, American University received a record 17,000 admissions applications, a 13 percent increase over last year. With quantity came quality: by various statistical measures, the university will admit its most accomplished, most diverse class ever this fall. And American’s admit rate fell to 43 percent from 53 percent this year.

In the numbers-driven realm of admissions, all this is good news, a sign of rising fortunes. But it’s also a complicated development. For one thing, applications have swelled at so many selective colleges that the meaning of such an increase can be difficult for a given admissions office to interpret (increases this year could portend increases next year-or not). Moreover, as colleges become more selective, they often find themselves competing with institutions a rung or two higher on the ladders of selectivity and desirability, at least for the top students.

Although there is prestige in this kind of association, there is also uncertainty. How many applicants would turn down a super-selective, big-name college to attend a somewhat less-selective, less-famous one? How do you know whether a student considers your college a top choice or a “safety school”? How does an applicant’s sense of “fit” with a college relate not only to matriculation, but also retention?

In recent years, such questions have prompted American’s admissions team to look more closely at “demonstrated interest,” the popular term for the contact students make with a college during the application process, such as by visiting the campus, participating in an interview, or e-mailing an admissions representative. In theory, it’s a way to measure the likelihood that an applicant will matriculate-and succeed if they do.

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Four short years ago the college bound Class of 2006 completed their high school experience. That was a record year for student applications and competition was keen at the more competitive colleges. The American Enterprise Institute that tracks six-year graduation rates tells us that only 38% of those that went on to college are taking part in commencement ceremonies after four years as an undergraduate.

And you thought that college was going to be a four-year experience. Yes, it can be that (or less) if you do your due diligence ahead of time.   

But here are some reasons why that percentage is so shockingly low. 

1. ALL four-year colleges are considered. Both public and private from the non-competitive to the most competitive. Often large state universities and less competitive private institutions have weaker or overwhelmed advising staffs.
2. Students may fall behind on credits earned in their major.
3. They change majors more than twice; credits are not transferable.  
4. Students drop out for academic or affordability reasons.
5. Some classes are over enrolled, limited or cutback and students are not able to take the prerequisite courses in their majors in a timely fashion.

When researching each college using the AAA method a student will be better prepared to avoid most of the above scenarios. This includes understanding the data the colleges are required to report on the Common Data Set. If you do not find the CDS on the college website, ask admissions for it.

In any case, as the title of this entry states, if the Class of 2010 thought it was competitive getting into college, they are in for a bigger challenge now. Job prospects for new college graduates are at historic lows, partly caused by financial misfeasance and malfeasance on a global scale. If a recent graduate has some internship or cooperative work experience to show on his or her resume, that will help. But with the economy what it is, the challenges still remain.

The average student loan debt for graduating seniors in 2008 was $23,186. This year, I dare say the average will be at least $26,000 because the government made additional Stafford loans available to students since 2008. But that does not take into account co-signer or Plus loans that parents may have been taken out during college.

If loans are a burden, parents and students should not hesitate to call us now. We have a sure-fire plan to show you how to become debt free sooner than you think. It makes no sense in starting off with a job that does not afford you the ability to pay basic necessities, provide the comforts and lifestyle you want to have and still meet monthly debt obligations.  

       In the meantime, graduates, get ready for the toughest job you will have.

Start by reading this timely New York Times article ~ How to market yourself.

March 21, 2010

Colleges Explore Shades of Gray in Making Entrance Tests Optional

Ursinus College considered fairness and ideals as well as marketing and logistics

 Sarah Bones for The Chronicle 

Last year Richard DiFeliciantonio (right), vice president for enrollment at Ursinus College, hired a new admissions director, Richard Floyd, whose questions about the role of test scores prompted Ursinus to reconsider its stance.

By Eric Hoover

When a college stops requiring standardized admissions tests, no rainbow magically appears. Its endowment doesn’t grow, and its costs don’t shrink. Presidents still worry, professors still complain, and students still drink too much on Saturday nights.

Nonetheless, tales of going “test optional” often have a romantic tinge. In them, admissions deans, worried about equity and anxious teenagers, finally decide to do the right thing by casting off those terrible tests. After that, everything on the campus gets better.

Like many stories, this one invites other interpretations. A popular reading is that competition alone compels colleges to drop their ACT and SAT requirements. In this rendering, colleges care more about their image than anything else.

Fifteen years ago, colleges could still expect to make waves when they adopted test-optional policies. Over the last decade, however, dozens of private liberal-arts colleges have nixed their testing requirements, and these days the announcements cause more of a shrug than a splash.

Nonetheless, the choice remains controversial, often cast as either a noble move or a deceptive one.

In fact, the decision typically melds various motives, arising from a place where marketing and mission overlap. Data often drive a change of heart, but numbers alone don’t always explain why—or when—a college alters its testing policy. Often the switch happens gradually, following prolonged discussions, a change in leadership, or some other institutional shift. Like most issues in admissions, the decision is often more complicated than it might seem.

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               Countdown to National Deposit Day!

     At this time of year many high school seniors have heard from the colleges to which they applied. The most competitive colleges and universities are almost finished reviewing applications from all of the country and the world. For many of them, April 1 is the date they will send out letters to anxiously awaiting seniors.

     There will be just one month from then until “National Deposit Day”. May 1 is the day by which all college bound seniors must decide where to enroll in the fall of 2012. Making the final decision may not be easy unless you have done certain things in the year or two prior to spring of this year. In any case, most students are usually presented with at least two positive alternatives from which to choose. 

      So how does one go about making an effective decision ~ a decision that allows the entire family to win? The following steps are what we advise our students. Think about these even if you will not be facing such a decision for a few years.

The overall goal, I believe, is to integrate the admissions decision with financial considerations. That is particularly important when there is more than one college bound child in the household.

First … Make an objective evaluation of each financial aid award. Determine how much aid the college is awarding in the form of grants, scholarships and loans. Most colleges do not include adequate amounts in the cost of attendance (COA) to include personal expenses. These are books, supplies, personal sundries and transportation. If you have done a “Dry Run” with us prior to your student’s application you will see that we often add $4,500 to the direct expenses. The direct expenses are the fixed billable costs, tuition, fees and room and board. You should too. 

      Keep in mind that college work-study is not a direct credit toward billable costs. Do not include that in your calculations. If there is a loan offer in the award (other than a Stafford or Perkins), do not include that either. Subtract all the other awards from your COA and you will close to knowing what the “real out of pocket cost” is for that college. Do this for each college and make an objective comparison.

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According to the Department of Education, there are 2364 four-year colleges in the United States. Of those, 612 are public colleges. I dare say that about 300 of them would be at least somewhat familiar to about 80% of the public.

What about the 2064 “unknown” colleges. Which of these colleges are worth exploring?  When all is said and done, does it matter that much where one goes to college?  If you are not looking for a specific program only offered at a particular college, it matters less than you think. What really matters is what you do when you get there.

Some students realize that it might not be a bad idea to look at two-year colleges as well. And some of them are looking at two year colleges outside of the region in which they live. If there is a community college that is beyond commuting distance but has a specific program you are interested in taking, you can rent an apartment near the campus. Many colleges such as Greenfield Community College in Massachusetts or the Ivy Tech Community College system in Indiana, can recommend student housing for such students.

Occasionally I like to step back and look at the colleges whose offerings make them stand out. It does not mean they are right for you. But one or more of them could be.

Let me take you on a brief tour of just five of them now.

They are not in any particular order, but # 1 on the list is a two-year college. In fact, this two-year college is tougher to gain admission than is Harvard. Though they are shocked at first, I get a kick out of telling some extremely bright students that they will not have a prayer in being accepted to this college.  Here is why.   

1.)  Deep Springs College since 1917 accepted only thirteen men into its two-year program each year. That is, until the Class of 2013 applies at which time it will accept female applications. It is a rigorous admissions process including several interviews and multiple essays. (The average applicant’s SAT score is 2200.) It is a working cattle and alfalfa ranch but one with a rigorous liberal arts curriculum in the High Desert region of Southern California.

It was founded by an early California pioneer, LL Nunn in 1917 on his idea that the three pillars… academics, labor, and self-governance help young men prepare themselves for lives of service to humanity. The school’s 26 students, along with its staff and faculty, form a close community. The college operates on the belief that manual labor and political deliberation are integral parts of a comprehensive liberal arts education.

Plus, it is FREE. Each student attends for two years and receives a full scholarship valued at over $50,000 per year. Afterwards, most earn their undergraduate and graduate degrees at the world’s most prestigious four-year institutions. It is practically a “slam dunk” admission transition. Getting a first class education, and saving up to $110,000 in the process is not a bad way to invest two years. 

Now you know why I can no longer say to some students that they will “not have a prayer” to being admitted. Ladies…that used to be you. One intellectually curious young woman I shared this fact with, was undeterred. Because her goal is to become a college English professor, she saw that as way to be part of the Deep Springs community. (Professors from schools like Stanford, Harvard and Yale go there to teach periodically for a semester or two.)

Therefore, if you are a male or female and intrigued by the concept, why not take a college road trip like none other right now.   

2.) Another college that is respected for its’ philosophy of combining work with learning is The College of the Ozarks. COFO is committed to a five-fold mission of encouraging academic, Christian, cultural, vocational, and patriotic growth in its students.

All full-time students work rather than pay for their tuition. The college discourages debt and, like Hillsdale College, does not participate in any government loan programs. On the other hand COFO does participate in federal grant programs so the FAFSA will need to be filed, to determine eligibility. (Hillsdale does not use the FAFSA.)

Academic offerings are surprisingly broad as you can see here. This combined with the strong work program makes it a valuable experience and excellent preparation for a fulfilling life.

By the way, College of the Ozarks has been named a “Stone-Cold Sober School” by the Princeton Review for ten consecutive years.  Alcohol and drugs are strictly prohibited on and off campus. Therefore, a student who applies to the school with the nickname “Hard Work U.” and looks forward to spring breaks in Cancun, is unlikely to be a good fit for this college.

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It seems like yesterday that I was sweating over the impending SAT test in high school. The memory stays with me because I work with bright-eyed high school kids every day.  I feel their pain. 

In late winter and early spring  juniors with college aspirations are intent on preparing for the most important tests in the college planning process. The last half of the junior year is replete with tests; the SAT is not the only one.

SAT II Subject Tests, the ACT test, Advanced Placement and International Baccalaureate tests may also be on a high school junior’s calendar, not to mention mid-terms, ‘POP’ quizzes (my favorite) and final exams. 

To make it more confusing, the College Board last year changed its’ policy as to SAT score reporting. Even with that new change, there will still be many competitive colleges that will want to receive ALL the test scores a student took, not just a self-selected few. (Check each college’s website using the AAA method to find out their policies.)

By the way, here is a graph that  compares the SAT scores in Reading and Math to the ACT. Some students may do better in the ACT if they have an overall higher GPA in all five core academic subjects. In addition, many colleges will except strong ACT composite scores in lieu of SAT II Subject tests.  

Reflecting upon my high schools years, Princeton was just the name of a University, not of a test prep organization. Today there are so many test prep companies, test prep tutors, books, and websites that one can be overwhelmed by the choices.

The question is which one, if any, should you invest your time and money? But the question is not “IF” anymore because high test scores not only enhance admission chances, but could result in thousands of dollars in merit scholarships from some very good colleges.

That used to the big question until I found this one.  Ironically, it was created by two Princeton University graduates, Eric Barnes and Karl Schellscheidt. They have done a brilliant job in putting together a fun easy to follow method to prepare for not just the SAT, but the ACT and the Math II Subject test. 

Here is a summary of their philosophy on Standardized Test Preparation. It will reveal some of the reasons why students are getting 200 to 300 higher scores on their SAT after prepping with EPrep.com.     

If you would like to take advantage of one or more of EPrep’s programs give us a call and ask about the special discounts (up to 25%) we offer.  

If you have a junior or sophomore, call today! Time is on your side today and could mean literally thousands of dollars of toward college tuition costs tomorrow.