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PARENT UNIVERSITY
Funding a College Education:Financial Aid and Scholarships
• Everyone qualifies for some form of financial aid
• FREE assistance is available
You don’t have to pay!
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What IS Financial Aid?
• Grants
• Work-Study
• Loans
• Scholarships
• Tuition Waivers
• Tax Credits and Deductions
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The FAFSA
• FREE Application for Federal Student Aid
• Opens October 1st of each year
• Can now use previous year’s tax return!
• Federal
• State
• Institutional
Beware of scams! FAFSA.com is NOT a government agency. You fill everything out and it then charges you $70! Always go to FAFSA.gov. 4
The FAFSA
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Student ParentsSocial Security NumberCompleted IRS tax return Completed IRS tax returnW2 W2Record of untaxed income Record of untaxed incomeRecord of investments Record of investmentsCurrent bank statements Current bank statements
The FAFSA - Student Status
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Dependent IndependentNeed parents’ information Do not need parents’ information
- Have dependent(s)- Married
Not tax filing relatedIf parents are divorced or separated- Use parent that lived with most or
provided most support- If that parent is remarried use the
spouses information also
The FAFSA – Common Mistakes
• Not completing it
• Delay submitting
• Waiting until federal tax return is filed
• Parents put their information in place of the student’s
• Transposing numbers
• Student status
• Not signing it
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Types of Aid
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Grants Work Study Loans
Grants
• Free money (do not pay back)
• Need-based
• Examples
– Texas Equalization Grant (State)
– Texas Public Education Grant (State)
– Teach Grant (Federal)
– Pell Grant (Federal)
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Work-Study
• Students work to earn money
• Receive regular pay check
• Jobs
– Majority are on campus
– Flexibility
– Provide valuable experience
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Federal Loans
• Must be paid back
• Available for
– Students
– Parents
• Low interest rates
• Various repayment terms
• Deferments11
Federal Loans
• Stafford Loan
– Subsidized
– Unsubsidized
• Parent PLUS Loans
– Parents
– Graduate Students
• Perkins Loans
– Campus Based 12
Federal Stafford Loans
• Students
• Repayment starts six months
– After graduation
– Dropping below full time (less than 12 credit hours in ungrad)
• No credit check required
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Federal Stafford Loans
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• Interest
• Accrues but not
required to pay
• Can be capitalized
Subsidized Unsubsidized Need Based Need blindInterest does not accrue- While in school- Grace period after graduation
to start paying back- Deferment options available
Interest starts to accrue when you take the loan- Can be capitalized- Grace period after graduation
to start paying back- Deferment options available
PLUS Loans• Parent borrows loan
– For dependent child’s education
• Parent receives funds
• Parent responsible for repayment
• Credit check required
• Repayment- 60 days after second disbursement
• Deferment
– Student/ parent in school 15
Special Circumstances
• Changes in income
– Death, disability
– Unemployment, underemployment
• High medical/dental expenses
• Dependency status
• Cost of attendance (COA)
• Other16
Scholarships
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Free Money Merit Based- Academic- Class rank or GPA- Test Scores
Special Skills- Music- Drama- Athletics- Art
Scholarship Tips
• Start early
• Local
• On-line
• Re-apply
• Search Engines
– eScholarhsips
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Scholarship Tips
• Know the rules
– Due Dates
– Essays
– Recommendation Letters
• Send everything requested
• When possible get return receipt
• Proofread19
Scholarship Tips
• Avoid Pitfalls
– Ignoring details
– Using the same essay
– Forgetting federal and programs
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Scholarship Scams
• FTC cautions families to look for these signs
– Guaranteed or your money back
– Credit card or bank account
– Can’t get information anywhere else
– We do all the work
• Will cost some money
• Selected by national foundation
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College is expensive, but…
…it’s worth the money and you will always have your degree, no matter what!
Treat it like you would if you were investing in a house – you’ll be making payments for a long time, but you’ll own that house! A degree is the same thing!
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Questions?
What do you know about individual planning with Family Connection?
What do you want to learn about individual planning with Family Connection?
• Individual planning activities help students develop an actionable plan for post-secondary success based on student strengths, student interests, personal goals, and future plans. Providing students with equitable and purposeful opportunities to set goals, plan their future, and graduate with an actionable postsecondary plan is the essential “why” of individual planning.
Why Individual Planning?
Family Connection is a comprehensive web based tool that students use to create a post-secondary plan based on their passions and interests.
• Family Connection allows parents to partner with their student in the post-secondary planning process. Some planning activities include:
• Self-assessments and interest inventories• Goal setting and creating future plans• Researching colleges • Researching careers• Searching for scholarship opportunities• Building a resume
6th Grade
• Naviance Basics
• 6th Grade Academic SMART Goal
• 6th Grade Transition Survey
• EOY Goal Reflection
7th Grade
• Naviance Basics Review
• 7th Grade Academic SMART Goal
• Career Cluster Finder
• Add careers to favorites list
• Add clusters to favorites list
• EOY Goal Reflection
8th Grade
• Naviance Basics Review
• 8th Grade Academic SMART Goal
• Strengths Explorer
• Connecting to Khan Academy
• EOY Goal Reflection
9th Grade
• Naviance Basics Review
• 9th Grade Academic SMART Goal
• 9th Grade Transition Survey
• Research colleges that have majors
• that match career interests
• Add colleges to prospective list
• Connect to Khan Academy
• EOY goal reflection
10th Grade
• 10th Grade Academic SMART goal
• Continued college research
• Create a resume
• Connect to Khan Academy
• Take the PSAT
• EOY goal reflection
11th Grade
• 11th Grade Academic SMART goal
• College SuperMatch
• Update Resume
• Texas Reality Check
• Connect to Khan Academy
• Take PSAT/SAT/ACT
• EOY Goal Reflection
12th Grade
• 12th Grade Academic SMART Goal
• Apply to college/request final transcript
• Update resume
• Connect to Khan Academy
• Complete FAFSA
• Search/Apply for Scholarships Search
• Take SAT/ACT
• Finalize Postsecondary plan
Preparing for life after high school requires planning. Family Connection, along with Skyward, equips students with tools that align strengths and interests to postsecondary goals, improving outcomes and connecting learning to life.
Questions?
50
College Testing 101
© 2015 The College Board
The SAT Suite of Assessments
ReadinessBaseline
Check-inand Focus
Connect toCollege
© 2015 The College Board
About the SAT
200-800 points
Math Essay
(separate scores)
3 Hours 50 Minutes
Evidence-Based
Reading and Writing
200-800 points
© 2015 The College Board
Words in ContextCommand of
Evidence
Math that Matters
Most
Essay Analyzing a
Source
No Penalty for
Guessing
U.S. Founding
Documents and the
Great Global
Conversation
Analysis in Science
and in History/Social
Studies
Problems
Grounded in Real-
World Contexts
Key Features of the SAT
54
Support for
Students
Real students.
Real progress.
Practice is the New Prep
TIFFANY’S
PATH TO SUCCESS
PERSONALIZED
LEARNING ROADMAP
OFFICIAL SAT PRACTICE
TESTS
WITH SCORING FOR PAPER
& PENCIL
POWERED BY SCHOOLS,
EDUCATORS, COMMUNITY GROUPS
SEND SCORE DATA
COLLEGE BOARD
KHAN ACADEMY
SUCCESS!
TIFFANY
CONTINUOUS
PRACTICE
SAT Score Improvements and Official SAT® Practice
Number of points gained from PSAT/NMSQT to SAT correlated to hours spent practicing
Based on 250,000 students from the
Class of 2017
Practice advanced students regardless of
regardless of gender, race, income, and
and high school GPA
Live Instruction
Educator Best
Practices
Additional Practice
Tests
Guided Essay
Practice
Upgrades
Recently Added Features and Resources
satpractice.org
Free, Official SAT®
Practice Through Khan Academy
Daily Practice AppMore practice available on your
phone featuring questions of the day
Full Length Practice TestsSeven official practice tests, with
more to come, plus study and test-
taking tips
Video LessonsEasy-to-follow videos explain
problems step-by-step
Interactive Problems & Instant
FeedbackGet hints, explanations and constant
progress updates to know where you
stand
© 2015 The College Board
60
ACT
© 2015 The College Board
61
ACT SAT
$46 (No writing) $60 (w/ writing) $46 (No writing) $62.50 (w/ writing)
Science NO Science
No Math Formulas Math Formulas
215 Questions 154 Questions
Optional Essay Optional Essay
© 2015 The College Board
62
ACT
© 2015 The College Board
63
ACT
ACT
© 2015 The College Board
64
ACT
ACT
© 2015 The College Board
65
ACT
Questions?
FBISD Dual Credit
What IS Dual Credit?
Dual Credit – A Simple Explanation
• Dual Credit is a college-level course taught by a college instructor which will also give a student high school credit• Important difference: it is NOT a high school course which additionally receives
college credit!• The DC instructor is bound by all applicable laws governing the college, including
FERPA restrictions on releasing student information
• It may be taught by an FBISD teacher, though they are also employed by the community/junior college
• Courses may be taught and taken either at a high school or college campus
The Benefits of Taking Dual Credit Classes
• The average yearly cost of a Texas public 4-year college can be from $18,000 to $25,000 per year (room & board included)• Just ONE 3-hour college credit course can offset this cost by $2,000 or more!
• Dual Credit Courses give the student the opportunity to experience college-level work and will better prepare them for post-graduation enrollment
• Allows the student to complete parts, or even all, of the core requirements for most college degrees
The Benefits of Taking Dual Credit Classes
• Colleges and universities look closely at Dual Credit Courses because it can be an indication of the student’s ability to succeed in post-secondary education
• Also indicates a student’s motivation level to go above and beyond what is just required to graduate high school
• Studies show, the more dual credit courses a student takes in high school, the more likely they will be successful in college and ultimately graduate with a degree
AP vs Dual Credit – What’s the Difference?Advanced Placement (AP) Dual Credit
Allows students to take college-level courses & exams, and to potentially earn college credit or placement while still in high school
Dual Credit allows high school students to earn both high school and college credit by completing courses at their high school and/or college campus
College credit is granted when students pass the AP Examination. Students seeking credit through their AP grades should note that individual colleges & universities, not the College Board or the AP Program, grant course credit and placement
Credit is awarded when the student passes the course
AP vs Dual Credit – What’s the Difference?.Advanced Placement (AP) Dual Credit
Taught by specially trained high school teachers Taught by college instructors and/or high school teachers who serve as adjunct professors
College credit accepted throughout the nation. Typically requires a score of 3 or higher on AP Exam (varies). The college or university choose whether to accept the courses and may have higher minimums than a 3
Accepted at Texas public colleges & universities in Texas (and many private colleges as well). Requires a “C” or better for transferability
AP courses are taught on the high school campus
Dual Credit courses can be taught at the high school or college campus. AP enrollment is not required
AP vs Dual Credit – What’s the Difference?Advanced Placement (AP) Dual Credit
Open to any high school student Must be currently attending high school and meet pre-requisites for taking specific courses. Must be TSI Complete (through EOC, SAT, or ACT Scores), or take and pass the TSIA Exam. Parent/guardian and high school approval is required
The cost of AP Exams are incurred by the student. Subsidies are available for students demonstrating financial need
Tuition is WAIVED. Students are responsible for textbooks and applicable fees
AP Student Dual Credit Student
Usually in the top of the class academically and have challenged themselves previously with Pre-AP and Honors courses, though ANY student can be in AP
Can be in the top of the class, though a significantly larger portion of the high school population is capable of being successful taking Dual Credit Courses
May be interested in colleges or universities outside of Texas and/or elite institutions with high admission requirements
May be interested in staying in Texas and attending a public institution
Seeks to boost GPA by taking the highest weighted courses
Interested more in saving money on college expenses and gaining a college experience thanaffect on GPA
Profiles of AP & Dual Credit StudentsSome crossover occurs between the two profiles, but this is a general description of the differences
AP Student Dual Credit Student
Students planning to enter STEM majors/professions tend to take Math and Science AP Courses due to the more consistent portability to top colleges with those majors (Math & Science Dual Credit Courses may or may not be transferrable to 4-year colleges depending on the major)
Students who take Dual Credit Courses tend to take classes which meet general core courses required by most majors at 4-year institutions, or specific requirements for a major such as Foreign Languages, Fine Arts, Humanities, or Social Sciences
Profiles of AP & Dual Credit StudentsSome crossover occurs between the two profiles, but this is a general description of the differences
Dual Credit “Crosswalk” Explanation
• The FBISD Dual Credit “Crosswalk” is a document which defines college courses which meet the TEKS for specific high school courses, thereby eligible for dual credit
• Dual Credit Courses may or may not be transferrable to colleges or universities depending on what they are
• The Crosswalk will help to identify which ones are commonly transferrable
How is Credit Applied at the College?• There are three (3) types of dual credit courses offered in FBISD. Below the “tiers” are explained.
Level Course Explanation Sample HCC Course
Tier 1 Typically three (3) college credit hour courses which are part of the core curriculum. Texas core curriculum courses are guaranteed to transfer to all Texas public universities as the course listed on the student’s transcript.
ENGL-1301, ENGL-1302, GOVT-2305, ECON-2301, HIST-1301, HIST-1302, MATH-1314, PSYC-2301, & SOCI-1301.
Tier 2 Courses MAY/ NOT be required and/or accepted at four-year institutions or for certain majors. Students should research the university before enrolling in the course.
EDUC- 1300, ACCT- 2301, Foreign Languages, Fine Arts, Physical Education, Math, & Science classes.
Tier 3 Technical education courses typically tied to workforce certifications and associate’s degrees. Many of these courses will not transfer to a four-year institution.
Welding, Culinary Arts, or Auto Mechanics.
How Many DC Courses May a Student Take?• FBISD juniors are not allowed to have an off campus period. • FBISD seniors are allowed to have a maximum of two off campus
periods. • FBISD seniors are required to take a minimum of five courses per
school day. • FBISD students are not capped on the number of DC courses they
can enroll in during the regular school day. • Students are able to enroll in DC courses offered at an HCC campus
but cannot have more than two off campus periods per school day.
Who Can Take a Dual Credit Course? EOC Scores SAT Scores ACT Scores TSIA Scores
TSI Ready for Reading & WritingEnglish II EOC Score: 4000TSI Ready for MathAlgebra I Score: 4000
TSI Ready for Reading & WritingEBRW Score: 480 TSI Ready for MathMath Score: 530
Minimum Composite Score:23TSI Ready for Reading & WritingEnglish Score: 19+ TSI Ready for MathMath Score: 19+
Reading: 351Writing:Multiple Choice 340, Essay 4; or Multiple Choice 340, ABE Diagnostic level 4, and an essay score 5 Math: 350
Eligibility to Take Dual Credit Courses• If a student is NOT TSI Complete by using the previous scores listed,
they can take the TSIA (Texas Success Initiative Assessment) Test• See your counselor if you plan to take the TSIA• PLAN AHEAD! This process can take several weeks and there is no
wiggle room on deadlines!
What do I do if I want to take Dual Credit Courses?
• There are multiple steps involved in taking Dual Credit Courses, including completion of a community college application, actual registration for classes with the college, and paperwork required by both FBISD and the college, however…
• The FIRST thing you MUST do is to meet with your high school counselor!!! They will help you determine if taking Dual Credit Courses is a good option for you!
• Be aware that there are many steps with deadlines, so don’t procrastinate! Make that appointment as soon as possible!
Questions?
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