Daily Aid 88: Massachusetts College Goal Sunday aftermath
I had the opportunity yesterday to meet with the Massachusetts College Goal Sunday team and review how our efforts in January went. By all numbers, Massachusetts was up 40% for families attending the event, which is a huge win for the program as it heads into its fifth year. A few interesting takeaways:
- college financial aid administrators are noting increases in applications from every part of the income spectrum, from families with nothing to families who were previously exceptionally well-off but have taken massive losses due to the economy
- some schools are not able to adjust financial aid due to their own economic difficulties, particularly schools without large endowments or are reliant on state funding
- most of the new categories and statuses on the 2009-2010 FAFSA are being judged, evaluated, and verified on a case by case or school by school basis, as the Department of Education has provided insufficient overall guidance for how situations should be interpreted
What does all of this mean for you? If you’re finding yourself in drastically different financial circumstances this year versus previous years, the single best thing you can do is to establish a good relationship with your financial aid office in advance of needing their help, and then work WITH them in your situation when you do need help. If you’ve got a parent whose inclination is to be super-aggressive or demanding, find a way to rein them in or keep them away from the financial aid office entirely. They won’t help your situation and will probably make things worse.
It’s also important to point out that the general consensus among the group was that things were already bad and likely to get even more difficult. As state budgets get cut, financial aid and general higher education budgets are on the table as well – that’s why it’s so vital that you be hunting for scholarships and doing everything you can to get your financial aid paperwork like the FAFSA done as soon as possible. Much of the aid available is first-come, first-served, so if you’re not in line, you may not get any – even if you’re eligible for it.
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Daily Aid 87: President Obama: finish high school, one more year of higher ed
Student Financial Aid News
Last night, President Obama remarked:
Right now, three-quarters of the fastest-growing occupations require more than a high school diploma, and yet just over half of our citizens have that level of education. We have one of the highest high school dropout rates of any industrialized nation, and half of the students who begin college never finish.
This is a prescription for economic decline, because we know the countries that out-teach us today will out-compete us tomorrow. That is why it will be the goal of this administration to ensure that every child has access to a complete and competitive education, from the day they are born to the day they begin a career. That is a promise we have to make to the children of America.
It is our responsibility as lawmakers and as educators to make this system work, but it is the responsibility of every citizen to participate in it.
So tonight I ask every American to commit to at least one year or more of higher education or career training. This can be a community college or a four-year school, vocational training or an apprenticeship. But whatever the training may be, every American will need to get more than a high school diploma.
And dropping out of high school is no longer an option. It’s not just quitting on yourself; it’s quitting on your country. And this country needs and values the talents of every American.
Commentary
It’s very interesting to me that the President is calling for all Americans to participate in at least one year of higher education. This may be a boon to the higher education industry, but I’d hope it comes with some suggestions for how to pay for it. I’d love to see an expansion of community college programs, perhaps with a 1 year accelerated degrees in various 2 year degrees, simply because community college is affordable with just federal financial aid like the Stafford loan, as opposed to more expensive forms of borrowing. If the President’s tax credit for service plan is fleshed out and enacted, that may also go a long way towards helping make the degree affordable.
The ultimate question that this economic depression is raising is incredibly valid: what exactly are you getting for a four year degree? More important, what’s so much more valuable in a four year degree that you can’t get from a two year associate’s degree, or an online degree or certificate? The President implicitly asked that question as well – he mentioned one year or more of higher education or career training, not a four year college degree.
When it comes to higher education, when it comes to the value of an education, I question the extra worth and prestige placed on four year degrees. I think they’re important. I think they have a vital place in the education ecosystem. I’m no longer convinced that a four year college degree is the single greatest educational goal that’s appropriate for everyone, or even the vast majority of people.
Some higher education, especially focused in an area of study, is incredibly valuable for the American citizenry at large, while some other people are meant to be academics and dig into the highest levels of study possible. A de-emphasis on a four year degree as a mandate for success in life compared to the higher education that’s appropriate for you is the right tone to strike, and I think the President’s endorsement of some higher education is wise.
What do you think? Leave your comments below.
Scholarship Update
Building a worldwide Q&A community takes a lot of hard work, dedication and knowledge – and it doesn’t only happen on the WikiAnswers site. Knowledge-sharing is a part of who we are every day, which is why Answers Corporation established the $20,000 WikiAnswers Scholarship Fund to provide funds for deserving students.
We spend a lot of time talking about money, especially in the form of student loans. That’s natural, since I work for the Student Loan Network. We don’t often spend time on the other aspects of paying for college, especially when it comes to savings and investing. Today’s cautionary tale is about 529 plans.
Here’s the deal with 529 plans. Unless your money is entirely allocated in FDIC insured assets, it’s at risk from the market. If you’re betting on the contents of a 529 plan to pay for college, you need to sit down with a financial planner ASAP and see what your risk exposure is. Here’s some food for thought:
What this graph is saying is that if you had invested your 529 savings in a Dow Jones index fund in May of 1997, today that investment would be worth exactly what you put in. That’s 12 years of no growth. By comparison, if you had put that in CDs or a savings account with meager interest rates, you’d have your same investment plus a little bit of interest earned.
The markets where money like 529 plans are invested are highly unstable right now. Here’s my recommendation – and bear in mind, I am not a certified financial planner so please consult someone who is – if you need the money in your current investment plans in the next 3-5 years, you should seriously think about cashing it out and stashing it in FDIC insured assets. This includes savings accounts, bank CDs, and anything backed up by the FDIC. These are relatively safe havens compared to the churning waters of the stock market and other non-insured investment areas. If your time horizon is much longer – like 10-20 years – then now’s probably not a bad time to be talking to your financial planner about investing for long term growth in safe companies and indices.
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As colleges and universities provide more financial aid to families hit by the recession, they are also more likely to give wealthier students preference in admissions and scholarships to help offset that extra cost, according to college administrators and consultants.
“The full-pay kid this year is going to be at a premium,” said Frank Vellaccio, senior vice president at the College of the Holy Cross in Worcester, which does not consider finances in admissions decisions. “Those students are going to have a lot more choices now and will get into schools that they might not have normally.”
Commentary
Hard economic realities are forcing the hands of colleges. As the endowments and investments of colleges fall with the market, the full price premium student’s stock will only continue to rise. Fair or not, unless colleges reduce tuition costs (and costs in general) or find other sources of income, expect the trend towards greater preference for full sticker price students to last as long as the depression does. Once markets turn around and investments begin growing again, aid policies are likely to change as well.
What do you do if you can’t pay full price? Unless you’re at the top and can be admitted with financial aid for fantastic academics or other traits the college is seeking, it’s time to look at other alternatives for college, be they public schools, community colleges, online degree programs, or even taking some time off to work if you can.
Here’s something I want you to strongly consider – ironic coming from an employee of a student loan company. Avoid borrowing if you can. I would suggest attending a less expensive college before borrowing because this economic depression is accelerating despite the efforts of the private sector and government. Change schools first before you borrow more.
At a minimum, keep your student loan borrowing in total to less than the amount you are likely to make in your first year after college, because turning around an economy is going to take time. By the time you graduate, the economy may not have fully recovered – even for entering first year students. The less debt you carry on the day you walk with cap and gown, the better off you will be.
Scholarship Update
The Krylon Clear Choice Art Scholarships will award five $1,000 non- renewable scholarships to high school seniors and college freshmen and sophomore students currently accepted at or enrolled in a fine art program. The five scholarship recipients will also receive a student gift package of Krylon Artist Sprays and Adhesives with an approximate retail value of $70. In addition, the winners’ schools will receive a $500 grant and a school gift package of Krylon Artist Sprays and Adhesives with an approximate retail value of $250.
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“People claiming to represent the U.S. Education Department are calling students to offer scholarships and grants,” the Star-Telegram reports. “The callers ask for a bank or credit-card number, saying the information will be used for a $249 processing fee. But it’s a fake. … ‘Do not give your financial information to individuals making these claims,’ the department warns. If you receive a call, report it to 1-800-MIS-USED, or send an e-mail to oig.hotline@ed.gov. The government Web site www.ftc.gov/scholarshipscams shares telltale signs of fraud.”
Commentary
No surprise here. Whenever times get tough, scammers come out in droves, eager to take advantage of desperation. Thanks to NASFAA and the Star Telegram for timely reporting.
File under “desperate for tax revenue of any kind” from Inside Higher Ed:
In a move that could prove a harbinger of things to come, a New York agency now contends that a distance education course is subject to state sales tax.
While it does not carry the weight of law, the New York State Department of Taxation and Finance’s January 29 opinion has potentially far-reaching implications, given the state’s role as a trend setter for other states. The department asserts that an e-course offered by SkillSoft Corporation, a New Hampshire-based company, should be subject to sales tax as “software” purchased by the student. In so ruling, the department has justified an unprecedented tax on educational services, according to a tax consultant familiar with the case.
Commentary
Expect to see more desperate measures of any and every kind from governments as they realize their tax receipts and revenues are plummeting faster than a brick balloon. If you’re considering taking an online degree, enroll now before the tax man wants his cut.
Here’s where it will get ugly. Skillsoft is based in New Hampshire. New York wants to tax it. What if the other 49 states, 46 of which are facing severe budget problems, want their cut, too? Will an online education program have to pay 50 different state taxes? Perhaps a burgeoning market in overseas online programs is about to erupt.
What’s especially of note is how short-sighted the politicians are being (again) in education. Every time you stick a tax in front of an activity, you automatically add a disincentive for that activity. That’s simple economics – a tax makes the price go higher, and rising prices reduces demand. If education, as the same politicians like to say on the stump, is the best investment for the future we can make, then putting an economic disincentive in front of education – especially online degrees – makes no sense.
It would make far more sense to add or increase a tax on something you want to disincentivize, like gambling, alcohol, tobacco or carbon emissions.
Scholarship Update
The Texas Retired Teachers Foundation (TRTF) will award ten $500 scholarships for the 2009-2010 school year to ten students who are relatives of a member of the Texas Retired Teachers Association (TRTA), and who are pursuing an undergraduate or masters degree in Education at a Texas university or college.
My daughter Kelsi will begin her freshman year at college this fall. Kelsi has a child of her own and they both live with us, her parents. Kelsi receives child support for her daughter. Can she file as an independent student if she provides over 1/2 of the support for her daughter by paying household bills (such as gas, electric, groceries) with the child support she receives, but we (her parents) provide 100% of Kelsi’s support?
Yes, she can file as an independent student. Being a parent who provides more than half the support for a child qualifies you as an independent student on the FAFSA.
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I’m on the road today, out of the office, but wanted to answer a few questions along the way.
Jeff writes:
For My sons FASFA I indicated on campus housing but just realized that at Vir Tech second years students must find off campus housing. Which he has. Should I make the correction or leave as is?
Cost of attendance for on or off campus is probably very close, though I can’t tell from VT’s web site. I would go ahead and update the FAFSA just to be accurate in case of verification, but there should be no substantive change in cost of attendance or aid packaging. The EFC will not change. You might want to call the school to ask whether more aid is available for off campus housing than on based on estimated cost of attendance. Their web site isn’t clear and their cost calculator’s broken.
Klaus writes in:
So let me get this straight, I am 21 yrs old,I work, I own my own car, pay my own rent and other bills- I completely live on my own and support myself (for the past 3 years) and I am still a dependent?! My parents do not provide any financial support. I have thousands of dollars in loans that I will be paying off on my own for years and years- not my parents- and I am still a dependent?! ridiculous.
Yes. You’re still a dependent because of the reason cited by Robin earlier – a student living on their own does not absolve the PARENTS of their obligation to help pay for college.
Don writes in:
My daughter is 28, lives at home, is a fulltime student and does not work. She separated from the Air Force and now received VA assistance for school. Can I claim her as a depentdant on my tax return since we are supporting her while she completes her degree.
My guess – and it’s purely a guess – is that your daughter would not meet qualifying child dependency rules for tax returns, but would meet qualifying relative. Consult a tax professional for a more substantive answer.
Joanna writes in:
How do I apply for a professional judegement override? I already sent in my form with my parent’s information…would I still be able to try and override? Any information is useful here
If you’ve already submitted the FAFSA with your parents’ information, then there’s no need for a dependency override. Chances are you would be denied it anyway if you have access to parental financial information. Dependency override is only intended for cases where your family has been, for all intents and purposes, destroyed by circumstances and you have no means of contacting any of them.
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The association for student-aid officials is urging the Education Department to rescind a decision, announced in the Bush administration’s final days, to end a program in which college financial-aid offices may use experimental approaches in the awarding and delivery of aid to students.
In a letter on Friday to Arne Duncan, the secretary of education, the National Association of Student Financial Aid Administrators says the program has allowed more than 100 two- and four-year colleges and universities, both public and private, to bypass federal rules and regulations in the interest of devising and testing alternative approaches that could save money and staff time, and deliver better service to student borrowers.
Commentary
Taking a look at the actual experiments themselves, many of these appear to be worth continuing as a way of reducing burdens on financial aid officers and staff. The experiments should help answer valid questions – does entrance counseling for federal student loans actually make a difference in default rates, for example – and deserve support.
Scholarship Update
The Advancing Hispanic Excellence in Technology, Engineering, Math, and Science (AHETEMS) Scholarship Program is designed to enhance and achieve the potential of Latino students pursuing degrees in engineering, math and science. Merit-based and need-based scholarships are awarded, in the amount of $1,000 – $5,000, to deserving Latino/a high school graduating seniors, undergraduate students, and graduate students who demonstrate both significant motivation and aptitude for a career in science, technology, engineering or mathematics.
There’s one warning I want to reiterate over and over again, not just in financial aid but in general – in rough times, scammers come out by the droves. They know that people, when times get tough, don’t think rationally. They don’t evaluate with the same cool-headed logic that is prevalent when things are going well. Scammers know, understand, and use desperation, fear, and anxiety to their advantage, at your expense.
Where do I see the biggest scams? Around money, of course, from paid scholarship search services (which tend to be a ripoff if you know how to Google) to email scams of every stripe like the one we featured yesterday. The more desperate you are, the better the scams work.
How do you inoculate yourself against scams? Part of it is experience – once you see a few scams up close, you realize they have similar mechanics, similar methods. Most scams make increasingly outrageous claims, from guaranteeing you’ll receive scholarships to promising access to “hidden” financial aid. (By the way, there is no such thing. Every dollar available is being tapped as fast as possible.)
Scams typically promise three things – something for nothing (or very little), fast, and easy. The fast and easy appeal to the desperate, because people who are desperate are seeking a quick solution. The something for nothing appeals to the con man inside us all, the idea that there’s a shortcut just around the corner. We love shortcuts. That’s human nature.
When it comes to scams, look for obvious upsells, like a free financial aid seminar (or very low cost) with silly claims like “learn secrets to financial aid in just one night!” or “pay for college just by attending this special session”. Once you get there, you get drawn into what’s little more than a commercial for you to buy the next big thing. Attend the free seminar but buy the book. Buy the book and get an invitation to attend a private seminar. Attend the private seminar and get a paid private consultation… and so on. There’s a clear ladder of ever-increasing expenses you’ll be asked to buy for as long as your wallet holds out.
Scams also rely on other human weaknesses that we all share, but none more so than exclusivity. We all want to feel special. We all want to feel “in the know”. Scams are rife with claims of exclusive invitations, private, just-for-us materials.
We as human beings are also susceptible to claims of scarcity, a trait scammers take liberal advantage of. “There are only 4 seats left in this exclusive event!” and “This scholarship is so popular, we need a deposit to ensure your good faith application” – cues that a scam is making a scarcity play, trying to create a false sense of urgency to get you to act before you think things through.
When it comes to financial aid, there is one golden rule:
Money flows to the student, never the other way around.
If you’re asked to pay for something, especially a scholarship, it’s probably a scam.
For everything else, there are three best protections you can have against scams.
1. Friends. If something comes your way that seems too good to be true (especially if you’re desperate), ask your friends. Hit them up with an email, ask your network on Twitter, show them details at the water cooler or coffee shop.
2. Cooldown. Let the initial rush of “Oh my gosh, this is the answer I’ve been looking for” or “This is the job I desperately need to pay the bills” wait overnight while you get a gut check from friends and loved ones who are not neck deep in your personal situation.
3. Google. Whatever the organization, company, or opportunity is, before you make any commitment, go Google it. Combine it with the word scam, too, like XYZ Company scam or XYZ scholarship scam. See what comes up, do some homework. In the age of the Internet and Google, if it’s a scam, chances are a lot of other people have written about it.
Let me share one personal story on this front. A while ago, just before I started working for the Student Loan Network, I published my resume on Monster and a few other job sites, and this one guy, an alumni from my college, approached me with a “business opportunity”. His exact words in the email were very powerful -
Hi Chris,
I don’t know if you remember me or not, but we went to Franklin & Marshall College together. I saw your resume post on Monster.com and was wondering if you’d be open to a business opportunity. I’m looking for a few key people in the Boston area to help expand my business locally, as it’s been growing and it’s a great opportunity to get in on the ground floor. Are you available to talk for a few minutes?
Sincerely,
That Guy With The Hair
Class of ‘XX
See it? Exclusivity, appeal to the ego, fast and easy. I took him up on the offer and chatted with him over coffee. He gave an elaborate presentation out of a three ring binder for what was effectively just a Ponzi scheme, but the presentation and materials were so well done that it was compelling – especially to someone unemployed.
Before I agreed, I said I’d take an evening to think about it, went home, and plugged his company name into Google, looking for other discussions about it. Sure enough, it was a multi-level marketing scam that had tons and tons of negative comments about it, even therapy and recovery groups dedicated to it. I knew immediately that even though the opportunity sounded compelling, the Google verdict was in.
Good friends, some time to think, and Google – all parts of a strategy to help protect you against scams, even in desperate times.
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It’s President’s Day here, which means that normal stuff like banking and financial stuff is closed for the day. Not only is the Student Loan Network open, but we’re blowing the lid off of a very well done scam that has the potential to hook a lot of people. It’s like most other email scams – only someone actually put time and effort into this one.
It starts with a deceptively simple email purportedly from the IRS – which of course in this tax year and economy is going to be a little more attention getting than normal.
Veteran netizens would of course recognize this as a scam immediately, but let’s say you’re not so savvy and you open the attachments. You’re greeted with a not-bad mockup of an IRS letter in Word format:
Reading the letter, it’s obvious it was written by someone who isn’t necessarily an English language native speaker. That said, the government’s own use of the English language leaves something to be desired, too. Here’s where the scam gets really good, on the second attachment.
Someone put some decent time into mirroring one of the IRS’s many, many forms. There are some tip-offs – if you spend as much time as I do looking at government forms, you’ll realize they didn’t get the formatting quite right, but it’s close enough to fool most people. If you’re as much of a financial aid and financial services as I am, you’ll also know that there is no such form 4100 from the IRS, but there’s a similar form W-8BEN for non-citizens for dealing with foreign earned income.
Now you know. This thing isn’t real – it’s an identity theft scam that has some good social engineering built into it, leveraging both the credibility of the IRS and the fear built into most citizens of that organization. Don’t fill the form out, don’t fax it to the number, and let your friends know that this thing is a total scam, albeit one done well enough to fool the less savvy.
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Robin, a financial aid administrator, wrote in with this vitally important update about FAFSA dependency overrides:
For Dependency Overrides the Federal guidelines are extremely clear. Being self-supporting is NOT grounds for an override.
Instead you must prove INVOLUNTARY DISSOLUTION OF THE FAMILY. This means you were forced to leave your parents’ home and have no contact with them. You must explain,in detail, why you cannot live with your parents. Then you must have official third party letters, on letterhead, that back up your story.
Just because you feel mature enough or responsible enough to be on your own does not erase your PARENTS’ OBLIGATION to assist you with your education.
We accept letters on letterhead from H.S. Guidance counselors and teachers, lawyers, personal counseling centers, social services, clergy, etc. We also will accept police reports documenting abuse. Absent that, we require two letters from people personally knowledgeable to the relationship with the parent like a Grandparent, Aunt or Uncle. The letters must be very detailed about the situation and their relationship to the student.
Most students make the mistake of having a roommate or employer write a letter that the student is self suffient and pleading for us to just cut them some slack. They don’t realize that Fin Aid reps are personally liable for willfully violating Federal Law. I’ve been in Financial Aid for 12 years and I haven’t met a student yet that is worth going to jail for.
There you have it, folks. That’s exactly what you need to know about dependency overrides. Thanks, Robin!
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Daily Aid 81: How to automate followups for job hunting, stimulus, student loan consolidation
Student Financial Aid News
Yesterday, Congress came to an agreement on the final version of the stimulus package. Unfortunately, no one has any idea what’s actually in it. We do know some more education stuff got trimmed; I would hope the provision for increased unsubsidized Stafford Loan limits to have survived since there is no net taxpayer cost, but we’ll see.
From NASFAA:
“[T”>MP3 filehe credit crunch hit, and the market for student loans dried up. The freeze has left … thousands of borrowers … in a financial limbo, unable to put their defaults behind them. Each month an additional 15,000 students or more join their ranks,” The Chronicle of Higher Ed reports. “Guarantee agencies, which are allowed to keep a percentage of each loan they sell, are urging the Education Department to purchase the frozen loans under a loan-rescue law enacted last year. But the department says it doesn’t have the authority to do so, and some Republican members of Congress are pushing a legislative fix. The change could come as early as this week, in an omnibus spending bill that Congress is expected to take up for the current fiscal year.”
Commentary
The market for things like student loan consolidation certainly is a good deal more sparse than it was just a couple of years ago; right now, the Department of Education is the only game in town (because of legislative changes in 2007, it’s unprofitable for everyone including the Department of Education to consolidate student loans). For private student loan consolidation… I’m not actually sure ANYONE is doing that right now. (if you work for a lender that does offer private student loan consolidation, please get in touch – I’d like to chat about working together!)
Scholarship Update
Whether you’re feeling the love or totally over it, we want you to express it in a Valentine or Vendetta card design! Over the moon? Create a touching Valentine for your sweetheart, mom or secret crush. Lost that loving feeling? Create a Vendetta for your ex, that cop that gave you a speeding ticket or your noisy neighbor. Here’s your chance to ignite your love or snuff it out! The best Valentine and Vendetta design will each win $500!
One of the most important parts of any job search is followup. After you’ve sent a resume, after you’ve interviewed, you must, must, must follow up. Most job seekers don’t, and the few that do automatically rise to the top of the pile for most hiring managers. Why don’t most candidates follow up? They forget. Here’s a quick tutorial using a contact manager that will help you forget less.
Using the Batchblue contact manager for job hunting. Full disclosure: Batchblue has not paid to be featured in this post. However, if anyone from Batchblue is reading, please feel free to hit up our advertising link.
Sign up for a free account, obviously. Next, take note of the BCC address that you’ll use in every email you send. Usually looks like this: batchbox+1111111111@yourid.batchbook.com.
Send out resumes normally, but using BCC:
Next, go into the contact manager, find the person’s card, and attach a to do.
Now, what good is a to-do if you forget to do it? Enter Google Calendar. If you don’t already have a Google account, get one. It’s free too. Find your calendar subscription feed from your dashboard:
Head into Google Calendar. Find the add button and paste in your calendar URL:
Then click Settings and change notifications.
If you want to use SMS/text messaging reminders, you’ll need to set up your phone with Google as well.
That’s it! Now every time you send an email, go into your contact manager and set up a reminder to follow up. Once you do that, anything you program into reminders will automatically be sent to you via email, text message, or popup, which will help ensure you don’t miss any opportunities to make followup great impressions on prospective employers. In this market, when every little bit helps you beat the competition, a system like this will really, really help.
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