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Planning for College: Show me the money!
Resources available at the Valley Cottage Library to help teens (and their parents) explore possible career choices, select colleges/universities, and plan the steps needed to achieve admission. It's never too early to begin this journey!
Rotary Club of Nyack Scholarship
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Nyack Rotary WebsiteContact the Nyack Rotary or your guidance office for information about scholarship opportunities.
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The Excelsior ScholarshipUnder this groundbreaking initiative, the Excelsior Scholarship, in combination with other student-financial aid programs, allows students to attend a SUNY or CUNY college tuition-free.
The Valley Cottage Library periodically offers an informative "Paying for College" program. To see if one is scheduled, click Teen Services from our library Home Page and browse through the events. Be sure to register for the event if you wish to attend.
Financial Planning
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The Price You Pay for College by
ISBN: 9780062867308Publication Date: 2021-01-26Sending a teenager to a flagship state university for four years of on-campus living costs more than $100,000 in many parts of the United States. Meanwhile, many families of freshmen attending selective private colleges will spend triple--over $300,000. With the same passion, smarts, and humor that infuse his personal finance column, Ron Lieber offers a much-needed roadmap to help families navigate this difficult and often confusing journey. Lieber begins by explaining who pays what and why and how the financial aid system got so complicated. He also pulls the curtain back on merit aid, an entirely new form of discounting that most colleges now use to compete with peers. While price is essential, value is paramount. -
Paying the Price by
ISBN: 9780226404349Publication Date: 2016-09-13If you are a young person, and you work hard enough, you can get a college degree and set yourself on the path to a good life, right? Not necessarily, says Sara Goldrick-Rab, and with Paying the Price, she shows in damning detail exactly why. Quite simply, college is far too expensive for many people today, and the confusing mix of federal, state, institutional, and private financial aid leaves countless students without the resources they need to pay for it. Drawing on an unprecedented study of 3,000 young adults who entered public colleges and universities in Wisconsin in 2008 with the support of federal aid and Pell Grants, Goldrick-Rab reveals the devastating effect of these shortfalls. Half the students in the study left college without a degree, while less than 20 percent finished within five years. The cause of their problems, time and again, was lack of money. Unable to afford tuition, books, and living expenses, they worked too many hours at outside jobs, dropped classes, took time off to save money, and even went without adequate food or housing. In many heartbreaking cases, they simply left school--not with a degree, but with crippling debt. Goldrick-Rab combines that shocking data with devastating stories of six individual students, whose struggles make clear the horrifying human and financial costs of our convoluted financial aid policies. America can fix this problem. In the final section of the book, Goldrick-Rab offers a range of possible solutions, from technical improvements to the financial aid application process, to a bold, public sector-focused "first degree free" program. What's not an option, this powerful book shows, is doing nothing, and continuing to crush the college dreams of a generation of young people. -
Will College Pay Off? by
ISBN: 9781610395267Publication Date: 2015-06-09The decision of whether to go to college, or where, is hampered by poor information and inadequate understanding of the financial risk involved. Adding to the confusion, the same degree can cost dramatically different amounts for different people. A barrage of advertising offers new degrees designed to lead to specific jobs, but we see no information on whether graduates ever get those jobs. Mix in a frenzied applications process, and pressure from politicians for "relevant” programs, and there is an urgent need to separate myth from reality. Peter Cappelli, an acclaimed expert in employment trends, the workforce, and education, provides hard evidence that counters conventional wisdom and helps us make cost-effective choices. Among the issues Cappelli analyzes are: *What is the real link between a college degree and a job that enables you to pay off the cost of college, especially in a market that is in constant change? *Why it may be a mistake to pursue degrees that will land you the hottest jobs because what is hot today is unlikely to be so by the time you graduate. *Why the most expensive colleges may actually be the cheapest because of their ability to graduate students on time. *How parents and students can find out what different colleges actually deliver to students and whether it is something that employers really want. College is the biggest expense for many families, larger even than the cost of the family home, and one that can bankrupt students and their parents if it works out poorly. -
How to Get Money for College 2021 by
ISBN: 9780768944037Publication Date: 2020-09-08Peterson's® How to Get Money for College 2021 is a great resource for students looking to supplement their federal financial aid package with aid from colleges and universities. This comprehensive directory points students and their families to complete and accurate information on need-based and non-need gift aid, loans, work-study, athletic awards, and more. Profiles of more than 2,400 schools' financial aid awards, including types of aid, percentages of students applying for and receiving aid, and average aid packages Unique Colleges-at-a-Glance Cost Chart, organized by state, listing the full costs that can be expected, aid packages, graduates' average indebtedness, and more for easy comparison of costs Comprehensive overview of the financial aid process, common financial aid questions, samples of financial aid award letters, the latest changes to the FAFSA® and how to file it, and how to complete the CSS/Financial Aid PROFILE® that's required by most private colleges and universities State-by-state listing of state-funded scholarship and grant programs Indexes include Non-Need Scholarships for Undergraduates, Athletic Grants for Undergraduates, Co-op Programs, ROTC Programs, Tuitions Waivers, and Tuition Payment Alternatives -
Get Free Cash for College by
ISBN: 9781932662443Publication Date: 2010-09-01The secrets, tips, and strategies used by actual students to win millions of dollars in financial aid and scholarships are revealed in this completely revised guide for parents and high school, college, and graduate students. Every step of the scholarship process is examined, with advice on finding the right scholarships, crafting applications, writing exceptional essays, and asking the college for a financial aid reassessment. Profiles of scholarship judges give potential applicants insight into the scholarship selection process and the qualities that judges seek in selecting the winners. A fully updated scholarship directory contains the top 150 scholarships that anyone can win with awards worth more than $100 million; examples of winning scholarship applications, essays, and interview questions and answers are also included. -
1001 Ways to Pay for College by
ISBN: 9781932662979Publication Date: 2011-09-01Stressed over how to pay the next tuition bill? Searching for a way to get a degree without going broke? Whether you need a full-tuition scholarship or a little extra cash to make ends meet, 1001 Ways provides students and parents with the answers. -
The Complete Idiot's Guide to Paying for College by
ISBN: 9781615640317Publication Date: 2010-10-05With the lack of financial aid, grants, and scholarships available today due to the economic climate, parents and students need serious help in finding ways to pay for college. Savings plans and resources have disappeared. Loans seem impossible to pay off. That's where The Complete Idiot's Guide to Paying for College steps in. It helps develop an action plan for people to budget and pay for college right now, and if necessary, strategize repayment after graduation. It also explains how to:••Find ways to lower the cost of tuition and room and board.•Find honest-to-goodness free money.•Discover more affordable options like college credit for military service, peer-to-peer lending, or attending nontraditional colleges and universities. -
The Student Loan Scam by
ISBN: 9780807042298Publication Date: 2009-02-01An in-depth exploration and exposé of the predatory nature of the student loan industry Alan Collinge never imagined he would become a student loan justice activist. He planned to land a solid job after college, repay his student loan debt, and then simply forget the loans ever existed. Like millions of Americans, however, in spite of working hard, Collinge fell behind on payments and entered a labyrinthine student loan nightmare. High school graduates can no longer put themselves through college for a few thousand dollars in loan debt. Today, the average undergraduate borrower leaves school with more than $20,000 in student loans, and for graduate students the average is a whopping $42,000. Collinge argues that student loans have become the most profitable, uncompetitive, and oppressive type of debt in American history. This has occurred in large part due to federal legislation passed since the mid-1990s that removed standard consumer protections from student loans-and allowed for massive penalties and draconian wealth-extraction mechanisms to collect this inflated debt. Collinge covers the history of student loans, the rise of Sallie Mae, and how universities have profited at the expense of students. The book includes candid and compelling stories from people across the country about how both nonprofit and for-profit student loan companies, aided by poor legislation, have shattered their lives-and livelihoods. With nearly 5 million defaulted loans, this crisis is growing to epic proportions. The Student Loan Scamtakes an unflinching look at this unprecedented and pressing problem, while exposing the powerful organizations and individuals who caused it to happen. Ultimately, Collinge argues for the return of standard consumer protections for student loans, among other pragmatic solutions, in this clarion call for social action. -
Debt-Free U by
ISBN: 9781591842989Publication Date: 2010-08-31This book can save you more than $100,000. These days, most people assume you need to pay a boatload of money for a quality college education. As a result, students and their parents are willing to go into years of debt and potentially sabotage their entire financial futures just to get a fancy name on their diploma. But Zac Bissonnette is walking proof that this assumption is not only false, but dangerous-a class con game designed to rip you off and doom your student to a post-graduation life of near poverty . From his unique double perspective-he's a personal finance expert (at Daily Finance) AND a current senior at the University of Massachusetts-Zac figured out how to get an outstanding education at a public college, without bankrupting his parents or taking on massive loans. Armed with his personal knowledge, the latest data, and smart analysis, Zac takes on the sacred cows of the higher education establishment. He reveals why a lot of the conventional wisdom about choosing and financing college is not only wrong but hazardous to you and your child's financial future. You'll discover, for instance, that: * Student loans are NOT a necessary evil. Ordinary middle class families can- and "must"-find ways to avoid them, even without scholarships. * College "rankings" are useless-designed to sell magazines and generate hype. If you trust one of the major guides when picking a college, you face a potential financial disaster. * The elite graduate programs accept lots of people with non-elite bachelors degrees. So do America's most selective employers. The name on a diploma ultimately won't help your child have a more successful career or earn more money. Zac can prove every one of those bold assertions - and more.
Scholarships
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Scholarships, Grants and Prizes 2021 by
ISBN: 9780768944020Publication Date: 2020-08-04Peterson's® Scholarships, Grants & Prizes 2021 provides up-to-date information on more than 1.6 million privately funded awards worth over 10 billion dollars available to college students. It contains detailed profiles of awards based on academic fields and career goals, ethnic heritage, talent, employment experience, military service, and other categories that are available from private sources such as foundations, corporations, and religious and civic organizations. Approximately 3,500 profiles include information on award amounts, eligibility requirements, application deadlines, contact information, and more. Easy-to-use indexes allow students to search for awards by criteria like academic fields/career goals, sponsoring organizations, employment/volunteer experience, military service, nationality or ethnic heritage, corporate or religious affiliation, talent/interest area, and location of study. Quick-reference chart lists programs offering awards ranging from $50 to $150,000 Informative articles offer tips on winning a scholarship with a winning essay, guidance on getting in the minority scholarship mix, ways to use social media to help pay for college, strategies for searching for and finding awards, and more. -
The Ultimate Scholarship Book 2014 by
ISBN: 9781617600296Publication Date: 2013-06-01Information on thousands of scholarships, grants, and prizes is easily accessible in this revised directory with more than 300 new listings that feature awards indexed by career goal, major, academics, public service, talent, athletics, religion, ethnicity, and more. Each entry contains all the necessary information for students and parents to complete the application process, including eligibility requirements, how to obtain an application, how to get more information about each award, sponsor website listings, award amounts, and key deadlines. With scholarships for high school, college, graduate, and adult students, this guide also includes tips on how to conduct the most effective search, how to write a winning application, and how to avoid scams. -
Kaplan Scholarships 2014 by
ISBN: 9781618650610Publication Date: 2013-06-04The popular annual college scholarships book with more scholarships than any other book, trusted by students and delivered by Kaplan. It is no secret that the cost of a college education has skyrocketed in recent years. According to the College Board, over the past five years (2005-06 school year to 2010-11 school year) the average published tuition and fees increased by about 24% at public four-year institutions, by 17% at private nonprofit four-year institutions, and by 11% at public two-year institutions. Researching and understanding all the additional funding options can be a daunting task and Kaplan is here to help. Kaplan Scholarships 2014 focuses on scholarships for undergraduates and provides expert tips and advice for applying, including a comprehensive list of scholarships that do not restrict students to any one school and do not require repayment of any kind. Kaplan Scholarships 2014 features: A comprehensive list of over 3,000 available scholarships Contact information for each scholarship Annually updated and revised important financial guidelines -
Scholarship Handbook 2018 by
ISBN: 9781457309274Publication Date: 2017-07-03The Scholarship Handbook 2018 is organized to quickly lead students to real college funding opportunities, including scholarship, internship and loan programs offered by foundations, charitable organizations, and state and federal government agencies. Every entry is verified by the College Board to be legitimate, up-to-date, accurate, and portable to more than one college.This guide includes a planning calendar and worksheets to organize and keep track of scholarship applications. Indexes help students find programs by eligibility criteria--such as minority status, religious affiliation, state of residence and intended field of study--so they can quickly zero in on scholarships for which they qualify. -
The A's & B's Academic Scholarships
Publication Date: 2011The A's and B's of Academic Scholarships lists about 100,000 scholarships offered to bright students by over 1200 of our nation's colleges. These scholarships are worth $300 - $30,000, but they must be used at the sponsoring school. -
How to Win a Sports Scholarship by
ISBN: 9780978713225Publication Date: 2007-04-01As college costs skyrocket, even student-athletes who are not superstars can help pay their expenses by winning a sports scholarship. This best-selling, newly updated guide teaches student-athletes how to develop a winning game plan, get noticed by college coaches, assess their athletic and academic skills, create a dynamic Sports Resume Kit, choose the best colleges for them and negotiate scholarship offers successfully.
Financial Aid
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Getting Financial Aid 2018 by
ISBN: 9781457309243Publication Date: 2017-07-03Getting Financial Aid 2018 is a must-have book for parents and students struggling to meet the cost of college. The all-important FAFSA form is explained with step-by-step instructions, and the College Board's CSS/Financial Aid PROFILE#65533; form is explained by the people who administer it.This guide includes information and advice from experts on how to apply for aid, plus easy-to-compare college profiles giving the "financial aid picture" for more than 3,000 four-year and two-year colleges and technical schools.The guide also shows award amounts and scholarship requirements--no other directory has this level of detail. Completely revised to reflect current college policies and the new FAFSA deadlines! -
Paying for College 2021 by
ISBN: 9780525570097Publication Date: 2020-09-22A SMARTER WAY TO PAY FOR COLLEGE. Take control of your financial aid experience with this essential guide--the only annual guidebook with line-by-line instructions for completing the FAFSA aid forms! Financing a college education is a daunting task no matter what your circumstances. With line-by-line instructions for filling out the FAFSA and consumer-friendly advice to minimize college costs, Paying for College helps you take control of your experience and: * Maximize your financial aid eligibility * Learn how COVID-19 and the latest tax laws affect the financing of your college education * Explore long- and short-term strategies to reduce college costs and avoid expensive mistakes * Complete every question on the FAFSA and CSS Profile forms to your best advantage * Compare aid offers and learn how to appeal them if necessary * Plan strategically as a separated/divorced parent, blended family, or independent student.