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Postsecondary Education & Training
Webinar 7Affordable?
PRESENTED BY:The Center for Change in Transition Services
CCTS Webinar Series
Welcome to the 2014-2015 Webinar series on postsecondary education and training.
Presented by the Center for Change in Transition Services (CCTS), a Special Education State Needs Project housed at Seattle University and funded through the Office of the Superintendent of Public Instruction (OSPI).
CCTS has been serving special need students, their families and schools since 1990.
Introductions
Sue Ann BubeEd.D., Director
Cinda JohnsonEd.D., Principal
Investigator
Julia SchechterM.Ed. Doctoral
Research Assistant
Guest
Jessica Queener, Ed.D.Project Director Research AssociateHEATH Resource Center at the National Youth Transitions Center George Washington University
CCTS disclaimer
The information contained in this presentation and power point is an overview of special education requirements. The presentation is not intended as legal advice. The state regulations that implement IDEA are located at Chapter 392-172A WAC. Outside resources are not intended to be an endorsement of any service or product. District personnel should always review their district’s procedures and review questions with their administrative staff.
2014-2015 Webinars
May 13th
Transition PlanningThe focus of our final webinar will be preparing for a successful transition
by learning how to write postsecondary education goals into the IEP
and how to use the Summary of Performance (SOP) document
as a passport to education.
Registration
1) Everyone participating in the webinar needs to type the following in the chat box
– Name
– Email Address
2) You will be sent a link following the webinar to register for Clock Hours. You must complete the registration process to apply for clock hours!
Thank you for joining us today!
This webinar is closed-captioned. To view the captioning click on the CC icon just above the video.
Closed Captioned (CC)
Raise your hand and wait to be called on by moderator
You may ask questions by typing in the chat box or by raising your hand (if you have a microphone).
If you have a microphone, please keep it turned off until called on.
Agenda
Increased financial need
For students with disabilities
WA Post-School OutcomesSpecial Education 2011-2012
Income differential
Young adults with disabilities from households with parent incomes of more than $50,000 were more likely than those from households with parent incomes of $25,000 or less to have ever enrolled in a postsecondary institution.
NLTS2 National Longitudinal Transition Study-2 (NLTS2, 2011)
Fewer financial supports
Students with disabilities generally have lower incomes than their peers without disabilities but rely on the same federal state and institutional programs that serve low-income students.
Therefore, opportunities have been diminished by the inadequate levels of financial aid, particularly grants.
Wolanin & Steele (2004)
More expensive
• It is expensive for low-income students with disabilities to meet the special needs associated with daily life.
• Students with disabilities generally need more time for self-care, daily living and academic tasks than their non-disabled peers.
• This results in SWD taking twice as long to complete degrees.
Wolanin & Steele, 2004
Financial aid
Options & Opportunities
What is financial aid?
FAFSA
All students applying for federal assistance are required to fill out the free application for federal student aid
(FAFSA). Postsecondary institutions use the FAFSA to determine financial aid awards. For more info:
https://studentaid.ed.gov/
www.fafsa.gov
1-800 4-FED-AID (433-3243)
TTY line for the paper FAFSA is 1-800-730-8913
Check deadlines: https://www.fafsa.gov/deadlines
Financial aid determination
What is a financial package?
Campus-Based Aid
Campus-based financial aid programs are administered by participating schools. There are three Campus-based programs:
• Federal Supplemental Educational Opportunity Grants are grants available for undergraduates only; awards range from $100-$4,000.
• Federal Work-study provides jobs to undergraduate and graduate students, allowing them to earn money to pay education expenses.
• Perkins Loans are low-interest (5 percent) loans that must be repaid; the maximum annual loan amount is $4,000 for undergraduate students
Retrieved from FAFSA.ed.gov
Loans
A student’s ability to repay debt after graduating should be carefully considered before borrowing.
•Stafford subsidized & unsubsidized loans up to $5,500.
•Federal PLUS Loans are unsubsidized loans made to parents.
Private Loan Concerns
Most students at for-profit gainful employment programs who graduated with an associate degree were also left with federal student loan debt, which averaged $23,590, while the majority of students at community colleges did not borrow.
For-profit gainful employment programs analyzed by U.S. Depart. of Ed., the majority—72%—produced graduates who on average earned less than high school dropouts.
U.S. Dept of Education, 2014
Government vs. Private Loans
Federal Student Loans Private Student Loans
You will not have to start repaying your federal student loans until you graduate, leave school, or change your enrollment status to less than half-time.
Many private student loans require payments while you are still in school.
The interest rate is fixed and is often lower than private loans—and much lower than some credit card interest rates. View the current interest rates on federal student loans.
Private student loans can have variable interest rates, some greater than 18%. A variable rate may substantially increase the total amount you repay.
Undergraduate students with financial need will likely qualify for a subsidized loan where the government pays the interest while you are in school on at least a half-time basis.
Private student loans are not subsidized. No one pays the interest on your loan but you.
You don’t need to get a credit check for most federal student loans (except for PLUS loans). Federal student loans can help you establish a good credit record.
Private student loans may require an established credit record. The cost of a private student loan will depend on your credit score and other factors.
You won’t need a cosigner to get a federal student loan in most cases. You may need a cosigner.
Interest may be tax deductible. Interest may not be tax deductible.Loans can be consolidated into a Direct Consolidation Loan. Learn about your consolidation options.
Private student loans cannot be consolidated into a Direct Consolidation Loan.
If you are having trouble repaying your loan, you may be able to temporarily postpone or lower your payments.
Private student loans may not offer forbearance or deferment options.
There are several repayment plans, including an option to tie your monthly payment to your income.
You should check with your lender to find out about your repayment options.
There is no prepayment penalty fee. You need to make sure there are no prepayment penalty fees.
You may be eligible to have some portion of your loans forgiven if you work in public service. Learn about our loan forgiveness programs.
It is unlikely that your lender will offer a loan forgiveness program.
Free help is available at 1-800-4-FED-AID and on our websites. The Consumer Financial Protection Bureau's private student loan ombudsman may be able to assist you if you have concerns about your private student loan.
Students with disabilities
Challenges & opportunities
Students with disabilities
Challenges
Federal student aid such as Pell grants do not provide the flexibility to offer a maximum full-time award to students with disabilities.
“SWD often face difficulties in assembling a financial aid package from diverse sources because of standard expectations of employment and borrowing that are unrealistic as well as the complex coordination of outside sources of supports.”
Wolanin & Steele (2004)
Resource mapping
Resource mapping is a process where multiple agencies (i.e., VR, DD, One-Stop Career Centers, DOL, DOE) outline what types of services each offers across specific areas (such as postsecondary education and/or employment). This process can help interagency teams to identify overlaps and/or gaps in services.
Career One-Stop Job Center finder:
www.careeronestop.org
PASS Plans
Plans for Achieving Self-Support (PASS Plans): PASS Plans were developed by the Social Security Administration (SSA) as an incentive to encourage individuals who may be receiving Supplemental Security Income (SSI) or Supplemental Security Disability Income (SSDI) to enter the workforce. In essence, this plan allows an individual to work and save money and not be penalized by a deduction from their SSI or SSDI check. http://www.passplan.org
SSI
• Community colleges may offer tuition waivers to individuals who receive Supplemental Security Income. Often, information about these waivers is listed in the college catalog as a benefit for senior citizens. However, these waivers apply to students of any age receiving SSI.
• Community colleges offering these waivers require students to complete a form, available from the bursar's office, and have their status verified at a local Social Security office.
Retrieved from Think College: http://www.thinkcollege.net/topics/paying-for-college
Vocational Rehabilitation
Tuition waivers through the state vocational rehabilitation (VR) agency or local community colleges.
• Waivers typically apply to any state-run college or university for tuition; sometimes fees and books.
• Students are eligible to receive this type of support if they have been deemed eligible for VR services and if the classes in which they want to enroll are related to an identified vocational goal.
Dual Enrollment
Dual enrollment occurs when high school students enroll and participate in college courses, while still being supported by their local school district.
Retrieved from Think College
http://www.thinkcollege.net/topics/paying-for-college
The advantage is that a student can receive individualized support from their high school (under IDEA) while also having the opportunity to experience college. In this circumstance, the school district may be responsible for transportation and educational coaching.
Encourage juniors to:
Explore colleges & visit campuses.
Investigate financial aid opportunities.
Begin the application process with Vocational Rehabilitation and/or Social Security.
Be sure that student’s IEP includes postsecondary goals and agency connections.
Collect information and documents for completing financial aid forms.
Encourage seniors to:
File the Free Application for Federal Student Aid (FAFSA) as soon as possible after January 1.
Contact college financial aid offices during the application process to verify that they received documents and are processing the aid package.
If student is a VR client, be sure VR counselor is in touch with the financial aid offices at the colleges(s) where student’s applying.
Questions & Answers
Thank you for participating!
Resources
The Guide to Federal Student Aid: Funding your education. Office of the U.S. Dept. of Education (2014) 1-800-433-3243 https://https://studentaid.ed.gov/
Social Security Administration: http://www.ssa.gov/applyfordisability/
How to apply for Social Security disability benefits:
http://www.ssa.gov/work/
http://www.socialsecurity.gov/redbook/index.html
http://www.passplan.org
http://hrsa.dshs.wa.gov/Eligibility/HWD_FAQs.htm
http://www.theinitiative.ws/
Scholarships
• Council for Exceptional Children (CEC) Scholarships recognize outstanding student members and CEC student chapter advisors who make significant contributions to CEC and exceptional children (fall deadline).
• The disABLEDperson.com Scholarship Competition asks students to write an essay for the chance to win a $1,000 scholarship (spring deadline).
• The Incight Go Getter Scholarship provides multiple scholarships ranging from $500 to $2,500 to students with disabilities who have demonstrated outstanding merit in giving back to the community and overcoming obstacles to get a higher education (spring deadline).
• Newcombe Scholarships for Students with Disabilities are grants paid directly to colleges or universities to help students with disabilities who demonstrate financial need.
• The American Association of Health & Disability (AAHD) Scholarship Program is for students who are full-time undergraduates (freshman or greater status) or part-time or full-time graduate students. You must provide documentation of a disability. (Applicants who have not yet graduated from high school will not be considered.)
• The Ability Center of Greater Toledo Scholarship is for Greater Toledo, OH area residents with disabilities (spring deadline).
Retrieved from https://www.disability.gov/scholarships-specifically-students-disabilities/
For Students Who Are Blind
• American Foundation for the Blind awards scholarships from $500 to $3,500 to students who are blind or visually impaired (spring deadline).
• The American Council of the Blind awards scholarships to students who are legally blind. A 3.3 cumulative point average is usually required (spring deadline).
• The Association of Blind Citizens runs the Assistive Technology Fund, which covers 50 percent of the retail price of adaptive services or software for individuals who are legally blind (summer and winter deadlines).
• Christian Record Services for the Blind offers partial scholarships to young people who are legally blind to obtain a college education (spring deadline).
• The Jewish Guild for the Blind’s GuildScholar Program awards scholarships of up to $15,000 to help outstanding high school students who are legally blind attend college (fall deadline).
• Learning Ally’s Mary P. Oenslager Scholastic Achievement Awards are given to Learning Ally members who are blind or visually impaired and have received or will be receiving their bachelor’s, master’s or doctoral degree (spring deadline).
• The Lighthouse International Scholarship & Career Awards Program offers several awards of up to $10,000 to outstanding students who are overcoming the challenges of vision loss by getting a higher education (spring deadline).
• The National Federation of the Blind Scholarship Program offers many scholarships from $3,000 to $12,000 to college students who are blind, in recognition of their achievements (spring deadline).
• The United States Association of Blind Athletes (USABA) Copeland Scholarship is awarded to USABA members who are legally blind and enrolled at a two-year or four-year college, university or technical school as a full-time student (fall deadline).
For Students Who Are Deaf or Hard of Hearing• The Alexander Graham Bell Scholarship Program offers scholarships for students who have
moderately severe to profound hearing loss and are getting a bachelor’s, master’s or doctoral degree (spring deadline).
• Cochlear Americas has two scholarship programs – the Graeme Clark Scholarship, which is open to people who have the Nucleus ® Cochlear Implant, and the Anders Tjellstrom Scholarship, which is open to people who have the Baha ® System (fall deadline).
• The Gallaudet University Alumni Association provides financial assistance to graduates of Gallaudet University and other accredited colleges and universities who are deaf and are getting their graduate degree at colleges and universities not specifically for deaf or hard of hearing people (spring deadline).
• The Sertoma Hard of Hearing or Deaf Scholarship helps undergraduate students with clinically significant bilateral hearing loss pay for college (spring deadline).
For Students with Learning Disabilities• LD Resources Foundation Awards help college students with learning disabilities pay for testing and
in some cases award specific types of assistive technologies, such as Dragon Naturally Speaking (fall deadline).
• National Center for Learning Disabilities (NCLD) Scholarships are offered to high school seniors with documented learning disabilities who are getting a higher education (winter deadline). NCLD also offers a list ofscholarships for students with learning disabilities or attention deficit hyperactivity disorder (ADHD).
• Learning Ally offers two annual scholarship programs for outstanding students with print or learning disabilities. The top three winners from each program receive a $6,000 scholarship and participate in a national celebration in Washington, DC (spring deadline).
• P. Buckley Moss Foundation Scholarships and Awards offer financial assistance to high school seniors with learning disabilities who are getting a higher education or are planning a career in the visual arts (spring deadline).
• RiSE Scholarships Foundation, Inc. offers scholarships for students who learn differently (winter deadline).
• The Western Illinois University Chad Stovall Memorial Scholarship is a $500 scholarship for Western Illinois University students who have Tourette Syndrome, obsessive-compulsive disorder (OCD), or attention deficit disorder (spring deadline).
• The Learning Disabilities Association of Iowa offers scholarships of $1,000 each to high school seniors planning to enroll in college or vocational programs (spring deadline).
For Students with Physical Disabilities• For Students with Physical Disabilities
• The ChairScholars Foundation Scholarship Program gives high school seniors and college students up to $20,000 to help them attend a college or university (spring deadline).
• The Marianjoy Scholarship Program awards scholarships to students with physical disabilities or neuromuscular disorders who are residents of Cook, Will, Kane, DuPage, McHenry, Lake, DeKalb, or Kendall Counties in IL (spring deadline).
• The National Amputation Foundation Scholarship offers $500 to full-time college students who have a major limb amputation and will be attending an accredited university (summer deadline).
• The 1800Wheelchair.com Scholarship is an essay competition that awards $500 to high school seniors and college students with or without a disability (spring deadline).
• The Paralyzed Veterans of America Scholarship Program awards scholarships to PVA members, spouses of PVA members or an unmarried child (under 24 years of age) who is a dependent.
For Students with Other Disabilities• The Cystic Fibrosis Scholarship Foundation awards scholarships to students based on financial need,
academic achievement and leadership (spring deadline).
• The Dr. Angela E. Grant Memorial Scholarship Fund gives awards to students affected by cancer. You must be a cancer survivor who is actively pursuing or planning to pursue a college education, or be an applicant with an immediate family member who has been diagnosed with cancer (spring deadline).
• The Little People of America Scholarship Program awards scholarships to students with and without disabilities. Priority is given to applicants who have a medically diagnosed form of dwarfism (spring deadline).
• The Elizabeth Nash Foundation awards scholarships from $1,000 to $2,500 to help people with cystic fibrosis pursue undergraduate and graduate degrees (spring deadline).
• Google Lime Scholarship Program awards $10,000 scholarships to undergraduate, graduate or Ph.D. computer science students with a disability currently enrolled at a university.
• Ruby’s Rainbow grants scholarships to adults with Down syndrome seeking post-secondary education, enrichment or vocational classes.
• The Lilly Reintegration Scholarship is for people diagnosed with bipolar disorder, schizophrenia, schizophreniform or schizoaffective disorder or major depressive disorder.
• The Microsoft DisAbility Scholarship is awarded to high school seniors who plan on successfully completing a vocational or academic college program and have a financial need. The amount of this non-renewable scholarship is $5,000.
• The Diabetes Scholars Foundation program is available to incoming freshmen seeking a higher education at an accredited four-year university, college, technical or trade school. This scholarship recognizes students who are actively involved in the diabetes community and who have high academic performance (spring deadline).
For Students with Other Disabilities• The Eric Marder Scholarship Program awards scholarships to undergraduate students living with
primary immunodeficiency diseases who plan to complete post-secondary education (spring deadline).
• The National Multiple Sclerosis (MS) Society Scholarship Program offers scholarships to high school seniors with MS, or who have a parent with MS, and will be attending an accredited postsecondary school for the first time. Learn more by reading the FAQs. (winter deadline).
• Hemophilia Foundation of America Scholarships awards ten scholarships of $1,500 each to promising students with bleeding disorders (spring deadline).
• The Ira Rosenzwog Memorial Scholarship Fund helps students who have epilepsy further their education. Thisscholarship is for students who live in Maryland (spring deadline).
• The Able Flight Training Scholarship Program offers flight and career training scholarships for people with disabilities who want to learn how to fly or train for a career in aviation.
• The Hydrocephalus Association’s Scholarship Program provides $1,000 scholarships to promising young adults with hydrocephalus (spring deadline).
• The UCB Family Epilepsy Scholarship Program offers educational scholarships to people living with epilepsy, family members and caregivers who demonstrate academic and personal achievement (spring deadline).
• Organization for Autism Research Scholarship Program people with an autism diagnosis (DSM-IV or later criteria) pursuing full-time, post-secondary, undergraduate education or vocational-technical training.
• Through the Looking Glass offers scholarships for students who have at least one parent with a disability. To qualify, you must be a high school senior planning to attend college or technical school, or currently in college or technical school. Read the FAQs to learn more (spring deadline).
References
Washington State Department of Social and Health Services (2013). High School, Social Security Benefits, and Going to Work Guide.
Retrieved from https://www.dshs.wa.gov/sites/default/files/JJRA/dvr/documents/SSBenefitsAndWorkIncentivesGuide.pdf
Heath Resource Center at the National Youth Transition Center (2014). Planning ahead: Financial aid for student with disabilities. Retrieved from https://heath.gwu.edu/files/downloads/2014_2015_heath_financial_aid_publication.pdf
Sanford, C., Newman, L., Wagner, M., Cameto, R., Knokey, A.-M., and Shaver, D. (2011). The Post High School Outcomes of Young Adults With Disabilities up to 6 Years After High School. Key Findings From the National Longitudinal Transition Study-2 (NLTS2) (NCSER 2011-3004). Menlo Park, CA: SRI International.
United States Department of Education (2014). Obama administration takes action to protect Americans from predatory, poor-performing career colleges. Retrieved from http://www.ed.gov/news/press-releases/obama-administration-takes-action-protect-americans-predatory-poor-performing-career-colleges
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