High school student workbook.

              High School Student Workbook
2011 - 2012
(student name)Photo provided by the University of Central Oklahoma
UCanGo2. Within reach … within you!
That’s the message the Oklahoma College Assistance Program (OCAP), a division of the Oklahoma State Regents for Higher Education, wants you to know. No matter your circumstances—rich or poor, straight As or all Cs, first generation or third generation college student, rural or urban—if you have the determination and drive, you can attend a university, college or technical school and be well on your way to a great career. Yes, you!
The information in this workbook will help you prepare, plan and pay for college. When we talk about college, please note that we mean all types of training after high school: technology centers, trade/proprietary schools, community colleges, regional and comprehensive universities - basically, any type of education beyond high school.
Don’t forget to work with your counselor for up-to-date college prep resources, and check out UCanGo2.org for additional college planning information.
IntroductionCover photos provided by: Southwestern Oklahoma State University (top left), Oklahoma City Community College (top right), and Northeastern State University (bottom left).
High School Student Workbook
Table of Contents
1. Understanding the Value of Higher Education 2
What Do You Want to Be? worksheet 6
2. Exploring Careers and College Majors 7
Career Quiz worksheet 10
Sample Career Plan 15
Developing My Career Plan worksheet 16
3. Preparing and Planning for My Next Step 17
Tracking My Classes & Achievements worksheet 22
4. Researching Institutions and Programs 23
Understanding School Types worksheet 24
Picking a College Decision Tree 26
Places to Visit on Campus list 30
Campus Visit Checklist 31
Getting Answers worksheet 32
5. Finding and Getting Financial Aid 34
Federal Student Aid Programs Quiz 38
Federal Student Aid Programs 2011 - 12 Chart 39
Glossary 41
High School Student Workbook
(student name)SECTION 1: Why Go To College?
What comes to mind when you think about college? Some students can’t wait for classes to begin, but others may have reservations. Are you excited and looking forward to a new place with new faces? Or do your thoughts sound more like this?
– I don’t like high school. Why would I want to go to college?
– I don’t know what I want to do with my life so there’s no point going to school.
– College is too expensive. There’s no way I can afford it.
– I don’t need a degree. I can make more money if I get a job right now.
– No one in my family has ever gone to college so I shouldn’t go either.
– I’m afraid I won’t fit in.
Whatever you’re feeling, you’re not alone. The thought of college brings up different feelings for different people. Fear, excitement, anticipation—you name it, someone has experienced it.
Use the space provided on the next page to jot down ideas, thoughts and feelings you have about education after high school or getting a degree. Positive or negative, write them down here.
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Why Go To College?
Understanding the Value of Higher Education3
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My Thoughts
To Go or Not To Go: There (Really!) Is No Question
Before we check out the benefits of continuing your education, let’s tackle your concerns.
I don’t like high school. Why would I want to go to college?
So you don’t like high school. That’s pretty common for a lot of students, but it shouldn’t stop you from considering college. College is so different than high school! You have your choice of campuses, classes, professors and extracurricular activities. You’re not limited by who you were in high school; college is a whole new opportunity to rediscover yourself.
I don’t know what I want to do with my life so there’s no point going to school.
No career plan, no problem! Most college freshmen haven’t decided on a major, let alone a career. Look at college as an opportunity to explore your likes, dislikes and talents. Taking different types of classes and exploring new activities, you might be surprised by what you learn about yourself. College is too expensive. There’s no way I can afford it.
College costs in terms of tuition, books and time, but it’s a smart investment in your future. Very few people get a full ride to college; that’s why there’s financial aid. Financial aid comes in many forms, including grants, scholarships, work-study and student loans. If getting an education is your goal, there are financial aid options to help you along the way.
I don’t need a degree. I can make more money if I get a job right now.
Can’t decide between getting a job and getting a degree? Keep in mind that the majority of today’s jobs require some form of degree or certification beyond a high school diploma. Higher education also increases your chances of making more money and having more job perks when you enter the workforce. If you have to work right out of high school, there are ways to balance both work and school.
No one in my family has ever gone to college so I shouldn’t go either.
Are you the first in your family to go to college? That can be both scary and exciting, but well worth the effort. Colleges are filled with students just like you and have staff to help you handle challenges unique to first generation college-going students. Going to school will not only prepare you for a brighter future, but it can also be a source of pride for you and your family.
I’m afraid I won’t fit in.
No two college students are created alike and no two colleges are identical either. The trick is finding the school that best fits your unique needs. There are plenty of options to consider, like small vs. large, public vs. private, rural vs. urban, etc. Do some research to find a campus that’s right for you.
Now that some of your concerns have been addressed, let’s talk about your future lifestyle and how education can play an important role. Picture your life 10 years from now. Where do you live? What are your hobbies? Now, to afford this lifestyle, how much money do you think you’ll need each year? Use the worksheet on page 6 to write down your answers. Talk with your teacher or a parent to discuss your future lifestyle. Will you need an education to reach your goals? Be sure to weigh your education and career goals against the lifestyle you want to live. If your heart is set on being a kindergarten teacher, but you dream of driving a new SUV and living in a new three-bedroom home, you may not be able to afford the lifestyle you want on a beginning teacher’s salary. It’s important to keep lifestyle in mind when deciding whether to attend school and when choosing a major or career.
Tools to Use
Check out Page 6 to complete a worksheet to help you chart your future plans!
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Myth: I don’t need college to succeed.
Reality: While there are some people who are successful without a college degree, most growing jobs require some education past high school. What’s In It For Me?
No matter where you want to go or what you want to do, one thing is true. Getting some type of higher education will help you along the way. Here are just a few of the perks:
– More job security - people with additional training after high school are two to three times more likely to have a job.
– More pay - someone with a college degree earns significantly more each year than someone with only a high school diploma. And, the higher level of education you receive, the more your income goes up.
– More meaningful work - learning a skill or trade helps you identify your strengths and plugs you into a career you enjoy.
Wrap-up
Whether you want to be a plumber, beautician, teacher or lawyer, there’s a program designed to help you gain the knowledge and skills to be the best you can be. Education is an important tool – it allows you to live the life you want to lead.
Reflection
Do you want to pursue education after high school? Why or why not?
What most excites you about going to college?
What’s your biggest fear about going to college? (paying for it, fitting in, etc.)
Parent Part
Have a discussion with your parent(s) about going to college. Talk openly and honestly about your plans and ask for their feedback. Ask them how they made their decision to go, or not to go, to college.
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Photo provided by Oklahoma City Community College6
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What Do You Want To Be?
How Will You Get There?
In the blanks below, brainstorm three jobs that interest you:
1.
2.
3.
How much money will you make?
Where will you live?
How big will your family be?
What kind of hobbies will you have?
How will your work make a difference in the lives of others?
Brainstorm a list of steps to get you where you want to be:
Photo provided by Rogers State University7
UCanGo2 Student Workbook
SECTION 2: What Do I Want to Be?
Have you known from second grade you wanted to be a carpenter? Or are you panicking because you don’t know what you want to do after high school? Some students know early in their childhood what career path they’ll follow. For others, the discovery process takes longer.
No matter which category you fit into, this section will help you explore your interests, skills and strengths so you can decide what options fit you best.
Career vs. Job
What’s the difference between a career and a job, you ask? Basically, a job is a short-term, paid position. A career is a long-term profession that typically requires educational training. You may currently have a job, something that helps you and your family pay for school clothes or your cell phone, but once you graduate you’ll want to decide on a career, an occupation that allows you to use your unique skills and strengths.
With many career possibilities, how do you make a decision? What career path do you follow? How do you get there from here? Well, the first step is to assess your interests and skills.
Investigate Your Interests
In the spaces provided on the next page, jot down your responses to the following questions. If answered honestly, these questions should give you a fairly accurate snapshot of your interests.
Don’t forget to think about your volunteer experience when answering these questions. Volunteering is a great way to try new activities that could lead to a potential career interest. Plus, you’re giving back to your community, which makes it a win-win situation.
What Do I Want To Be?
Exploring Careers and College Majors8
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What do you like to do?
What are your hobbies?
What type of school, church, social or sports activities do you enjoy?
Do you work after school or on weekends? What do you like most about your job?
What’s the one thing you would do for the rest of your life, even if no one paid you?
Consider Your Skills
Next, think about the specific skills you’ve developed through your extracurricular activities, part-time jobs or volunteer work. Track your thoughts in the chart below.
Activities
Skills
Example: Yearbook Staff
Graphic design/layout
Sales
Photography
Writing
Industrial Arts
Measurement
Welding
Electronics9
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Myth: Career assessments will tell me exactly what career is right for me.
Reality: Assessment tests can provide an overview of your skills and interests and suggest career options you might enjoy. However, no test is a crystal ball; they can’t tell you what to do with your life or serve up the “perfect” career match. Only you can direct your path as you grow. You don’t have to know everything today. Use assessments with caution, and critically examine test results with a career counselor in terms of your own experience and knowledge.
Evaluate your list of interests and skills. Were you able to identify areas you enjoy and excel in? If so, you’ll most likely enjoy careers and occupations that incorporate those interests and skills. Want to dig deeper into your likes and dislikes? Complete the self-assessment worksheet on the next page to determine what’s most important to you in your future career.
Interested in even more information? Check out the Career Center section on OKcollegestart.org for:
– General career information.
– Career self-assessment.
– Student-career matching assistant.
– Career lists.
– Links to other career resources.
Remember to keep copies of all self-assessment tests and quizzes. Consider starting a “My future” file and stash the results, along with other college-planning resources (test scores, certificates of achievement, recommendation letters, etc.), there.
Once you’ve inventoried your interests and skills and taken the self-assessment quiz, you may have a career option in mind. Then you can begin developing a career plan.
Photo provided by Rogers State University10
UCanGo2 Student Workbook
Career Quiz
Take the short quiz below to learn about your career interests and work style. Then visit
PrincetonReview.com to get your results, including your color style (a brief overview of your work personality and the types of jobs you may be good at) and a list of possible career options.
It’s wise to let someone know when something
bothers you.
It’s wise to remain silent when something bothers you.
It’s not okay to argue when you know you’re right.
It’s okay to argue when you know you‘re right.
I like to bargain to get a good price.
I don’t like to bargain to get a good price.
It’s easy to be outgoing/sociable around strangers.
It’s hard to be outgoing/sociable around strangers.
I’d read the instructions first when putting a new toy together for a child.
I’d just “jump in” and start putting a new toy
together for a child.
It’s usually best to be pleasant and let others decide if your ideas are worth accepting.
It’s usually best to be forceful and “sell” your ideas to others.
I usually like to work cautiously.
I usually like to work fast.
Generally, I prefer to work quietly with minimum movement.
Generally, I prefer to move around while I work.
I don’t like to persuade others to accept my ideas when there’s a strong forceful opposition or
argument from others.
I like to sell and promote my ideas with others even when it takes some argument.
It’s better to listen carefully and be sure you
understand when topics are being discussed.
It’s better to speak up quickly and be heard when topics are being discussed.
I’d rather be a wildlife expert.
I’d rather be a public relations professional.
I’d rather be a company controller.
I’d rather be a TV news anchor.
I’d rather be a tax lawyer.
I’d rather be a newspaper editor.
I’d rather be an auditor.
I’d rather be a musician.
I’d rather be a production manager.
I’d rather be an advertising manager.
I’d rather be an accounting manager.
I’d rather be a history professor.
I’d rather be a bookkeeper.
I’d rather be an electrician.
I’d rather be a writer.
I’d rather be an elected official.
I’d rather be a clerical worker.
I’d rather be a carpenter.
I’d rather be a payroll manager.
I’d rather be a manager of engineering.
I’d rather be an audit manager.
I’d rather be a safety manager.
I’d rather be an artist.
I’d rather be a salesperson.
I’m usually patient when waiting my turn.
I get restless waiting my turn.
It’s easy to laugh at myself.
It’s hard to laugh at myself.Get Your Results
Next, access the online test to determine your results! Go to:
– PrincetonReview.com
– Create a username and password
– From the home page, click on “Careers & Majors”
– Select the “Five Minute Test” under Career Quiz
– Take the test
– Get your results and learn your interests and style colors
– View a long list of career options that might fit your interests and style
Sample style colors include:
RED – Expediting
People with red interests like hands-on, problem-solving job responsibilities and
professions. People with red styles prefer to perform their job responsibilities in
a manner that’s action-oriented and practical.
GREEN – Communicating
People with green interests like job responsibilities and occupations that involve
persuasion, sales, promotions and group or personal contact. People with green
styles perform their job responsibilities in a manner that’s outgoing.
BLUE – Planning
People with blue interests like job responsibilities and occupations that involve
creative, humanistic, thoughtful and quiet types of activities. People with blue
styles perform their job responsibilities in a manner that’s supportive and helpful
to others with minimum confrontation.
YELLOW – Administrating
People with yellow interests like job responsibilities that include organizing and
systematizing, and professions that are detail-oriented, predictable and objective.
People with yellow styles perform their job responsibilities in a manner that’s
orderly and planned to meet a known schedule.
Quiz adapted from the Princeton Review
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Develop a Career Plan
By now you may have a few career possibilities in mind. So how do you get
there from here? That’s where a career plan comes in handy. A career plan
will help you put together a strategy to accomplish your career goal. Let’s get
started.
Write down your career goal. This can be a specific goal, like biomedical
engineering, or it can be a general field, like engineering, math or science.
Don’t worry if you don’t have a specific career goal in mind. If you find
what you’re most interested in, there are plenty of degrees and career
options for you to choose from. Take a look at the chart below.
Interest
Possible Degrees/
Certifications
Possible Careers
Animals
Veterinary Technician/
Veterinary Medicine
Veterinarian, livestock
market forecaster, animal
industry advertising,
animal sanctuary
caretaker, zoological
curator
Art Commercial Art
Motion picture title artist,
medical or scientific
illustrator, cartoonist,
graphic designer for
books, magazines, product
packaging, brochures
Computers Computer Science
Computer technician or
engineer, systems analyst,
artificial intelligence
specialist, technical
writer, special effects (FX)
specialist
Math Mathematics
Accountant, air traffic
controller, climate analyst,
bank examiner, appraiser,
forensic analyst, financial
planner, teacher
Sports Sports Management
High school coach,
athletic director, sports
information director,
public relations, ticket
sales, tourism technician
Determine your next steps. What type of training do you need to meet
your goal? Is a college degree required to enter the field or would a training
program offered by a technology center better fit your need? Also, think
about the extracurricular activities that could help you develop skills
needed for a particular field.
For example, if you’d like to become a lawyer, join the debate team
to polish your persuasive speech. Dream of becoming a child care
professional? Babysitting is a great way to get experience. Have a heart for
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1
2
Tools to Use
Check out
Page
15 for
a sample
career plan.
animals? Join 4-H or FFA. Have dreams of winning a Pulitzer Prize or being a syndicated columnist? Turn to your school or community newspaper for experience.
Also, consider shadowing adults who work in the career you’re interested in. Or, work as an intern in the field for hands-on experience.
Go public. Jot down your goal and your plan of action and place it somewhere highly visible, like your bathroom mirror, refrigerator or the back of your bedroom door. Seeing your goals everyday will help you stay focused on making them reality. Be sure to share them with your parent(s) and counselor.
Your career plan should include a specific goal, the training you’ll need to reach it, a list of skills needed for the job, work and activities you’re currently doing to gain experience and a plan of action for accomplishing your goal. Turn to page 15 to see what your career plan may look like.
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3
Most Popular Jobs in Oklahoma
Still having a hard time deciding on a career? Check out the chart below to find the fastest growing occupations in Oklahoma, according to the Oklahoma Employment Security Commission.
Requiring postsecondary training or an associate degree
Occupation
Average Hourly Salary
Average Annual Salary
Veterinary Technologists
and Technicians
$12.06
$25,100
Medical Equipment Repairers
$16.50
$34,300
Heating, Air Conditioning and
Refrigeration Mechanics and Installers
$16.58
$34,500
Radiation Therapists
$28.99
$60,300
Cardiovascular Technologists
and Technicians
$17.71
$36,800
Surgical Technologists
$15.65
$32,600
Respiratory Therapists
$22.38
$46,600
Electrical and Electronics Repairers, Powerhouse, Substation and Relay
$25.88
$53,800
Security and Fire Alarm
Systems Installers
$13.17
$27,400
Physical Therapist Assistants
$20.57
$42,800
Did You Know?
The average annual salary for the top 10 fastest-growing occupations requiring a bachelor’s degree is $75,760.
Source: Oklahoma Employment Security Commission14
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1
2
3
Source: Oklahoma Employment Security Commission
Requiring a bachelor’s degree or higher
Occupation
Average Hourly Salary
Average
Annual Salary
Network Systems and Data
Communications Analysts
$27.78
$57,800
Veterinarians
$34.97
$72,700
Personal Financial Advisors
$21.68
$45,100
Physicians Assistants
$37.14
$77,300
Financial Examiners
$35.50
$73,800
Computer Software Engineers,
Applications
$29.71
$61,800
Cost Estimators
$23.00
$47,800
Survey Researchers
$12.88
$26,700
Petroleum Engineers
$46.16
$96,000
Cartographers and Photogrammetrists
$21.14
$44,000
Wrap-up
Hopefully, you’ve learned helpful information and tips to assist you in finding career options that best fit you and your lifestyle. Remember to work with your parent(s) and counselor. Tell them about your goals and your planned action steps.
Reflection
Based on your interests and skills, what three careers are you interested in pursuing?
Parent Part
Tell your parent(s) what your career goal is and ask if they know someone you could talk to who works in that profession. Ask them to help you find someone to shadow for a day or ask if they’ll help you research the career in more detail. Sample Career Plan
Career Goal
To obtain a degree in architecture and work as a professional architect
Requirements
A bachelor’s degree, training through vocational schools and several years of work-related experience.
Skills Needed
– Listening and comprehension
– Visualization
– Deductive reasoning
– Communication
– Strong knowledge of mathematics
– Attention to detail
– Creative thinking
– Problem-solving
– Ability to analyze data
Current Skills and Interests
– Working part-time for local architectural firm
– Serving as president of the Art Club
– Working as a landscaper in the summers
– Serving as junior class treasurer
Plan of Action
– Earn a bachelor’s degree in architecture
– Complete an internship with a landscaping business
– Join the Art Club at college
– Take classes to learn how to communicate with clients
– Join industry organizations
– Network with city planning professionals
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UCanGo2 Student WorkbookDeveloping My Career Plan
My career goal
My skills and interests
Necessary training to meet my goal
My plan of action
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SECTION 3: How Do I Get There?
Have you ever traveled somewhere without a road map or GPS? It’s hard to navigate the twists and turns without a plan in place, isn’t it? Preparing for college is no different. You’ll need to develop a strategy to make sure you reach your ultimate destination … a degree!
Help make your road to college a smooth journey by putting into practice the suggestions in this section. Be sure to visit with your counselor about attending college or a technical school. Your counselor can provide information about nearby schools, classes offered, admission requirements and much more. It’s never too early to start planning for your future!
Take the Right Classes
If you plan to attend a public college or university in Oklahoma, you must take certain courses during high school. These courses will prepare you for college, and you’ll learn valuable skills in case you decide to enter the workforce after graduation. In addition to these courses, some educational institutions recommend you take an extra unit in math, an additional unit in lab science and two units in speech or fine arts (music, art or drama).
The list of courses provided in this workbook is subject to change. Visit OKcollegestart.org to find the most up-to-date list and school-specific requirements. Check out the Explore Colleges tab for more information.
How Do I Get There?
Preparing and Planning for My Next Step
Tools to Use
Check out the worksheet on page 22 to track the courses you’ve already taken.
Photo provided by Southwestern Oklahoma State University18
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2
3
Subject
Units Required
Courses
English
4 units
Grammar, composition and literature
Mathematics
3 units
Algebra I, Algebra II, geometry, math analysis, trigonometry, pre-calculus, calculus and Advanced Placement Statistics
Laboratory Science
3 units
Biology, chemistry, physics or any lab science certified by the school district; general science courses don’t qualify
History and
Citizenship Skills
3 units
Including one unit of American history and two units from the subjects of history, government, geography, economics, civics and/or non-Western culture
Other
2 units
From any of the subjects above or from computer science or foreign language
Total
15 units
Remember - requirements may change and they may be different for private institutions. Always check with your counselor for details.
Grades
Your parent(s) were right when they said good grades are important. Achieving and maintaining good grades can help you get into a better college, be awarded a scholarship and achieve your goals.
Getting good grades takes planning, attention to detail and lots of study time. Make it a goal to raise your grades in a few key subject areas and speak with your teacher, counselor or parent(s) about a plan of action. Use the spaces provided below to write in a few subject areas or specific classes in which you need improvement.
Study, Study, It’s Your Buddy!
You’ll need to develop study habits early if you want to make good grades now in high school and later in college. Here are some tips to keep in mind when developing your study skills:
During class
– Listen carefully and ask questions if you don’t understand.
– Take notes and write clearly.
– Write down assignments and due dates.
At home
– Find a quiet place to study and remove any distractions (TV, iPod, Facebook, cell phone, etc.)
– Get in a routine and study throughout the week, at the same time, if possible.
– Organize your desk, papers and supplies.
– Schedule time to study when you’re at your best. Waiting until midnight the night before a big exam isn’t a good idea.
– Study the most difficult subject first. You’ll get it out of the way and
be ready to tackle coursework you enjoy or something that comes naturally.
ACT/SAT Tests
All that study time will come in handy when you take the ACT and/or SAT exam. When it comes to college admission, these tests play a big role. So you’ve heard of the ACT and the SAT, but what are they exactly, you ask? Well, the ACT (American College Testing) and the SAT (Scholastic Aptitude Test) are used to measure your educational achievement in a variety of subjects. The overall score may be used to help you meet admission requirements at certain colleges.
The ACT is more common in Oklahoma, but check with the schools you’re interested in attending to find out which test they prefer. Of course, schools don’t base admission exclusively on these test scores. There are other admission options, but it’s best if you can meet their minimum test score requirement. Requirements for Oklahoma schools are listed below, and are subject to change.
– Oklahoma State University, ACT 24 or SAT 1090
– University of Oklahoma, ACT 24 or SAT 1090
– University of Science and Arts of Oklahoma, ACT 24 or SAT 1090
– Most regional universities, ACT 20 or SAT 940
– Community colleges have no minimum requirement, but students should take the ACT
The basic exams are typically $30 to $50, and fee waivers are available. Talk to your counselor for more information. It’s best to take the ACT and/or SAT numerous times to increase your score. You may want to take your first exam during your junior year. Treat this exam like any other by getting a good night’s rest, eating breakfast and preparing to the best of your ability. To help you prepare for the exams you can take a free practice test under the Test Prep tab at OKcollegestart.org. You can also elect to take a pretest, the PSAT, before taking the full SAT exam.
When are ACT or SAT exams being offered? Ask your counselor or visit ACTStudent.org or SAT.CollegeBoard.org to find test locations, dates and times. Write the next available test date at the location nearest you in the space below.
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Myth: Schools only look at ACT or SAT test scores when determining admission. If I didn’t make that score, I won’t get in.
Reality: Schools do prefer students meet the ACT and/or SAT entrance score requirement, but there are other factors they take into consideration. Among those other requirements are GPA and class rank.
Did You Know?
You can take free practice tests to help you prepare for the ACT and SAT exams. Visit OKcollegestart.org to learn more.Why Wait? Earn College Credit Now!
Consider earning college credit before you graduate from high school. Taking advantage of these opportunities will prepare you for the demands of college and can save you time, tuition, and room and board. Here are some ideas you may want to consider. Your counselor can tell you which options you have at your school. For more information about each, check out OKcollegestart.org.
Advanced Placement (AP) Courses
These courses allow students to take college-level coursework in high school. Many Oklahoma colleges and universities award college credit to students who successfully complete these courses and pass the corresponding AP exams.
Concurrent Enrollment
This program allows eligible high school juniors and seniors to take credit-earning college courses, up to six hours per semester. Concurrent enrollment allows you to earn credit at a discounted rate and classes can be transferred to some postsecondary institutions for college credit.
Cooperative Alliance Initiative
The Cooperative Alliance Initiative allows high school juniors and seniors to earn college credit by taking college-level courses taught at technology centers across the state.
Thinking Ahead
We’ll discuss paying for college in a later section, but there are ways you can cut future costs now. Wanna know how? Here are a few money saving tips. Be sure to show this to your parent(s). Helping them save money may earn you brownie points!
Oklahoma’s Promise
You have to apply for this scholarship program in the 8th, 9th or 10th grade, be a resident of Oklahoma, complete a specific high school curriculum, achieve at least a 2.5 GPA and abide by certain conduct standards. Family income may not exceed $50,000 at the time of application, and $100,000 at the time you begin college and prior to receiving the scholarship. If you qualify, Oklahoma’s Promise will pay resident tuition at a public institution and pay a portion of tuition at private institutions or a portion of tuition for courses at public technology centers that are approved for credit toward an Associate of Applied Science degree at a public college. Need more information? Visit OKPromise.org or call 800.858.1840.
Oklahoma College Savings Plan
It’s never too late to save for college. Consider signing up for a college savings account through Oklahoma’s 529 college savings plan or continue to add money to an existing account. It’s generally best to keep most savings in the parents’ name. Visit OK4Saving.org for more information.
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Did You Know?
Oklahoma’s Promise pays for your tuition at any Oklahoma public college and a portion of some private instituitions. Go the “Extra” Mile with Extracurricular Activities
What community or school involvement are you most proud of? Jot down a few ideas in the spaces provided, focusing on traits you’ve developed and how they’ll help you succeed in the future. Then refer to this list when fleshing out your admission essay.
Wrap-up
As you can see, there are many things you can do now in high school to help prepare for your postsecondary education. Focusing on these tips and suggestions will help ensure your future success. As always, if you have questions talk to your counselor and parent(s) for additional information.
Reflection
Name three steps you’ll take to improve or keep up your grades:
Name three steps you’ll take to prepare for the ACT or SAT:
Parent Part
Share with your parent(s) the subject areas you identified as “needs improvement” and ask for their advice about getting those grades up. You many consider staying after school and asking for the teacher’s help or consulting a tutor. In addition, have your parent(s) help you find a consistent time to study each day. They’ll be able to help make sure your study zone is free of distractions and help you stay on track when you don’t feel like doing school work.
21
UCanGo2 Student Workbook
1
2
3
1
2
3Tracking My Classes & Achievements
22
UCanGo2 Student Workbook
Jot down your volunteer work and achievements, and track the classes you’ve taken and the ones you need to take to meet entrance requirements for college. For example, did you take American history the spring semester of your junior year? Write it down here. Refer back to the list of required courses on page 18 to see what classes you need to take. Also, visit OKcollegestart.org to track this information online.
Freshman Year
Fall Semester
Spring Semester
Honors, Awards and Volunteer Work
Junior Year
Fall Semester
Spring Semester
Honors, Awards and Volunteer Work
Senior Year
Fall Semester
Spring Semester
Honors, Awards and Volunteer Work
Sophomore Year
Fall Semester
Spring Semester
Honors, Awards and Volunteer Work23
UCanGo2 Student Workbook
SECTION 4: Where Do I Go?
Photo provided by Southwestern Oklahoma State University
College isn’t one-size-fits-all. You’ll need to do a little research to decide which institution is the best fit for you academically, socially and financially.
Researching colleges isn’t like researching your term paper! Of course, you’ll want to get as many facts as possible (cost, size, location, etc.) but don’t rely on facts alone. Choosing a college or technical school is a personal and emotional decision, too.
Ready to discover a place that’ll prepare you for a successful future? Let’s get started!
You’re Just Not My Type (Of School)
Understanding School Types
Oklahoma has many types of schools. To decide what’s right for you, it’s important to understand the different types of schools available and what they have to offer. Use the worksheet on the next page to test your knowledge about institution types. After you’ve completed the worksheet, check your answers in the glossary in the back of your workbook. Note that several terms can be used to describe the same school. For example, the University of Central Oklahoma is a four-year, public, regional university.
Where Do I Go?
Researching Institutions and Programs
Photo provided by Southeastern Oklahoma State University24
UCanGo2 Student Workbook
Understanding School Types
Match the following definitions with the type of institution each describes. Answers are included on page 25.
Sometimes called “independent schools,” these accredited colleges and universities offer associate, bachelor’s and/or graduate degrees in traditional subject areas. They aren’t supported by state taxes and are considered not-for-profit. The bulk of their revenue comes from tuition, donations and grants.
A university that offers bachelor’s and master’s degrees, and in some instances, associate or professional degrees. While this type of university primarily focuses on instruction, they’re also responsible for extension, public service and some research. They tend to have mid-sized student populations and campuses.
Also known as a “comprehensive university,” this type of university grants bachelor’s, graduate and professional degrees and offers a wide variety of courses and degree programs. Along with instruction, these institutions also focus on research, extension and public service. They usually have large student bodies and expansive campuses.
Also known as a “two-year college,” this type of college grants associate degrees for transfer to four-year institutions or for career preparation. They typically offer flexible class schedules with smaller class sizes and they’re known as open door institutions because performance standards (standardized test scores or combination of class rank and grade point average) aren’t required for admission.
Colleges and universities that receive funding from state taxes to pay part of operating costs.
Institution that has a special emphasis on education and training in technical fields. Some offer academic courses and programs, but not all institutions offer two-year programs that lead to an associate degree.
An institution that grants associate degrees for transfer to four-year institutions or for career preparation. This type of college usually offers flexible class schedules with smaller class sizes. They are known as open door institutions because performance standards (standardized test scores or combination of class rank and grade point average) aren’t required for admission.
A privately owned or out-of-state institution offering courses in Oklahoma. This type of school prepares students for direct entry into an occupation or profession.
This type of school offers degrees, certification or training through the Internet. Many have no actual building or physical location and all communication is done online.
A type of private school that incorporates religion into the core curriculum or focuses on preparing students for religious occupations. This type of institution is usually supported by a specific church body or congregation.
Offers bachelor’s degree programs and may also offer master’s, doctoral and professional degrees. Most degree programs take at least four years to complete.
A school that prepares students to enter a specialized career, trade or vocation.
A. Community college
B. Four-year university
C. Online school
D. Private school
E. Professional or technical branch
F. Proprietary school
G. Public school
H. Regional university
I. Research university
J. Technology center
K. Theological school
L. Two-year college
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
Location, Location, Location
Does a big city excite you, or do you prefer a smaller town? Do you need to live at home and commute? As you can see, location is an important factor when making your choice.
Urban Schools
Some schools are located in large metropolitan areas and offer plenty of local events, museums and entertainment. The cost of living is usually higher than smaller towns and parking may be a challenge, but off-campus housing should be plentiful. Urban schools may have more opportunity for job placement or internships related to your field of study.
Suburban Schools
Many schools are located in medium-sized towns whose revenue often depends on the college. Typically called “college towns,” these cities usually grow with the students’ needs in mind. Things a college student needs, like laundromats, grocery stores and bookstores, are conveniently located near campus. Local events are mostly on-campus and off-campus housing may be located farther from school.
Rural Schools
Schools that serve rural populations are often located in areas strategically placed to serve a wide area. Rural schools typically offer plenty of on-campus housing for those who don’t wish to commute; off-campus housing may be harder to find. Student life is often focused on campus and local businesses may be spread farther throughout the town. Rural schools offer the chance for students from smaller areas to attend school without the expense of travel to a larger city or town and the ability to stay close to family or friends.
Size Up Your School
Don’t forget to consider the size of a school. Small schools give students the chance for more interaction with professors, smaller classrooms and more personalized assistance with educational needs. Larger schools provide more social opportunities and more classes to build a flexible schedule.
Remember, schools of all sizes and types can be found in all locations. A large, private, four-year school may be located in a rural area near your hometown. Or, you might find a small, technical school in the heart of the city. Oklahoma offers schools of all types, locations and sizes to meet your educational needs.
With school type, location and school size in mind, use this decision tree tool to help you decide what type of school might be the best fit for you.
Which type do you think is best for you and why?
25
UCanGo2 Student Workbook Answers from page 24: 1. D 2. H 3. I 4. A 5. G 6. E 7. L 8. F 9. C 10. K 11. B 12. J
Picking a College Decision Tree
You
Are Here
Use this tool to help you decide which path will lead you to success. Read each question and think about your interests, wants and needs. Answer “yes” or “no” and follow the corresponding arrows to help you reveal the school that may be best for you.
Start Here!
Do you want
to enter the
workforce quickly
but still earn an
associate degree?
Do you want to receive
certification in a certain
field to enter the
workforce quickly?
Do you want to
pursue a bachelor’s,
master’s or
doctorate degree in
an area of study?
Are you interested
in a wide variety
of extracurricular
activties and sports?
Are you comfortable
with some classes of 100-300 students?
Two-year school
Large School
Medium School
Small
School
Four-year school
Proprietary/
trade school
or technology
center
Would you prefer
small classes of 20-
30 people?
NO
YES
NO
YES
YES
YES
YES
YES
NO
NO
NO
26
UCanGo2 Student WorkbookI’ll Tell You What I Want, What I Really, Really Want!
What Do I Want in a School?
A few sections back we discussed career exploration, so you may currently have a potential major or general field of interest in mind. You’ll want to consider your career interests when selecting a school and find one that has a strong academic program in that area to help you succeed.
Your major isn’t the only factor in this decision. You’ll want to keep the following characteristics in mind when making a list of potential schools. Your list may be large at the beginning, but you’ll be able to narrow it down later.
Here are a few questions to help you decide if a school is right for you:
– What are my academic needs?
Do I know what I want to do?»»
If not, do the schools I’m researching have enough majors or fields of study that interest me?
– How far away from home do I want to be?
Will I need to live at home and commute? »»
If I’m able to live on campus, can I afford to drive home each weekend? »»
– Does the school offer extracurricular activities that interest me?
– Are the on- and off-campus housing options appealing to me?
Can I afford the average rent in the area of the school?»»
If I need to use public transportation, is the campus on the bus route?»»
– Are there plenty of job opportunities in the area?
You can compare institutions and the programs and activities they offer by visiting the Explore Colleges tab at OKcollegestart.org. Thinking about your wants and needs, write down five schools you’re interested in attending. If you’re considering more than five, jot the rest down, too.
1
2
3
4
5
Did You Know?
Community colleges offer core courses such as math, English and foreign language and may be cheaper than larger universities. Taking standard courses at a smaller college can save money and you can transfer at any time.
27
UCanGo2 Student WorkbookBye, Bye, Bye!
Narrowing it Down
Once you’ve examined your likes and dislikes, assessed your needs and made a big list of possible choices, it’s time to narrow it down. Because application fees can add up and campus visits cost time and money, it’s important to focus on a handful of schools that interest you most.
Affordability
Take a look at the websites of the schools on your list. They should list the average tuition, fees and on-campus housing costs. Add to that the cost of books, travel back home on weekends and holidays and other monthly expenses (cell phone, Internet service, etc.). This will give you an idea of how much you’ll need to rely on family savings, scholarships, grants, work-study and student loans.
If you must turn to loans, be aware of the debt you could face if you choose a school that’s difficult to afford. Consider the field of study you’re interested in and know the average starting salary to ensure you can afford student loan payments six months after you graduate.
Admission requirements
Schools can consider your ACT and/or SAT score, high school grades, extracurricular activities, volunteer activities and application essays during the admission process. By the time you’re ready to narrow down your list of colleges you should have all your important test scores. Compare your qualifications to the admission requirements and decide which schools are most likely to accept you. It’s generally a good idea to ensure that your list includes at least one school you’re confident will offer you admission.
You want to be realistic about your chances, but don’t be afraid to take a risk. College admission is decided by real people who may be able to see beyond test scores. A great admission essay or dedication to a particular volunteer or extracurricular activity can make the difference.
Check ‘em Out
Setting Up Campus Visits
Once you’ve narrowed down your school choices, you’ll need to get a feel for the campus, the students and the surrounding area. The best way to do that is to arrange a campus visit.
The summer between your junior and senior year is a great time to tour campuses. Set aside some free time with your parent(s), guardians or other close friends or family. You’ll need at least a full day for each college on your short list. Remember to make travel arrangements, if necessary.
Myth: I should apply to as many colleges as possible to make sure I get in somewhere.
Reality: As long as you‘re realistic about admission requirements, there’s no need to apply to more colleges than necessary. College application fees can be expensive so don’t apply to a college unless you’re sure you want to go there. If you’re still not sure, pick one school that you’re confident will accept you, one school that will probably accept you and one school that may be a long shot. And remember, even in a worse case scenario you can take most core college courses at one school and transfer to the school of your choice at a later date.
28
UCanGo2 Student WorkbookBefore you arrive, contact the school admission office or welcome center to
see what options are available to you. Most campuses offer a campus tour, but
others may have more events and programs for potential students.
Also, before you leave for your visit, contact the department that houses your
soon-to-be major. Connecting with the individual department can:
– Give you the chance to meet professors and learn what they’ll expect
from you.
– Help you learn more about the degree requirements so you can plan
your classes early.
– Assist you in indentifying practical challenges you may face in your
career after school.
– Get a feel for the building or area of campus where you’ll spend a great
deal of time.
Not all students know what they want to do before they get to college and
that’s okay, too. A campus visit can also help you learn what degrees are
offered and which career path you may want to follow. When selecting a
major, be sure to think about where you’ll have to live to use your degree. If
you dream of a career in marine biology, but don’t want to leave Oklahoma,
you may want to rethink your career choice. Make an appointment with the
career services department on campus to speak with someone about choosing
a major.
Finally, to make the most of your campus visit, take a campus tour. It’s best to
call ahead and schedule a campus tour with an official tour guide. But, if that’s
not possible for you, here are some places to visit during your self-guided tour:
Notes
Photo provided by Cameron University
UCanGo2 Student Workbook 29
30
UCanGo2 Student Workbook
Places to Visit on Campus
Admission Office
This is your chance to ask questions about getting that application in on time. These are the people who will look at your application and make the initial decisions about your qualifications. Make sure you are aware of deadlines and necessary documents you’ll need to attach to your application, such as high school transcripts, letters of reference and essays.
Financial Aid Office
Not only can the financial aid office help you locate scholarships, grants, work-study and student loan opportunities, but they can also help you fill out the FAFSA (Free Application for Federal Student Aid) and answer important questions about ways to pay for college. Ask how and where you make your tuition payments.
Academic Advising
Each college or professional school has a different method for providing academic advising. Find out which departments offer the classes you’ll need to achieve your degree.
On-Campus Child Care
Students who are also parents may want to inquire about child care. Even if you have already established care for your children while you’re in class, you may find great deals on fees or hours that fit your class schedule.
Career Services
Knowing what classes to take is only one step in the process. Find the Career Services office and visit it frequently once you begin school. Here you can learn the many ways you can market your degree in the workforce.
Housing Office
If you’re able to live on campus, be sure to stop by the Housing office to learn about the dormitories, meal plans and other important information. Ask the office what items are allowed in the dorms so you can begin stocking your dorm room ahead of time, stretching out the cost.
Parking and Transportation Office
If you plan to have a car on campus, you’ll have to learn the procedures for parking. This may be an added expense you’ll want to consider in your budget. Also ask about public transportation to and on campus, such as bus routes.
Student Life Office
If you’re visiting a campus large enough to offer activities, events and clubs, don’t miss the Student Life office. This a great place to learn how to get involved, meet new people and ask current students about campus life.
Student Union or Common Area
Many schools have a building designated for students to use in between classes. Typically known as the Student Union, this building often has restaurants, important offices such as the Student ID office, post offices and even some banking services. If you see a school newspaper, be sure to grab it so you can learn more about life on campus.
Library
Visit the campus library and take note of their hours. The library may offer free wireless and may be a resource for you during your time on campus. Also, take note of smaller, departmental libraries that may offer specialized resources for specific classes or assignments.
Health Clinic
Learn what options are available to you if you get sick while at school. Ask how much treatment costs. Many schools offer health insurance for students.
Surrounding Community
Explore off campus to locate important businesses and services you may need. Get a feel for the safety of the area and see if it’s easy to get around. Campus Visit Checklist
While on your campus visit, talk to as many people as you can and get a feel for the atmosphere.
Don’t pass up a chance to ask questions. Use this campus visit checklist to assist you during
your campus tours.
Visit the school’s website to learn how to set up a campus tour. Tours are usually held
throughout the day so you may need to plan your day around this.
Schedule interviews with campus officials in admission, academic advising, housing and
in your field of study.
Don’t forget campus maps and your list of questions for each campus office.
Grab any financial aid or application forms you may need.
If possible, sit in on a class that interests you. Talk to coaches or sponsors of activities
you’re interested in.
Scan bulletin boards to see what activities are available. This is also a good way to get a
feel for jobs available in the area.
Eat in the cafeteria or around campus to check out the food available to you.
Visit the dormitory if you plan to live on campus. Ask about rules concerning what you
can and can’t bring with you.
Talk with students about the campus and ask questions. Pick up a school newspaper to
get an idea of the campus culture.
Visit the college bookstore to price new and used books.
UCanGo2 Student Workbook 31
Getting Answers
Coming to campus for a visit is easy enough. Leaving with all your questions answered can be a challenge. Take this opportunity to list questions you may have for each department you visit.
Admission Office
1. What are my chances of being admitted?
2.
3.
Health Clinic
1. What types of services do you offer?
2.
3.
Library
1. What’s the policy for checking out books?
2.
3.
Career Services
1. What jobs can I get with my chosen major?
2.
3.
Housing Office
1. What meal plans are available? What can I buy with them?
2.
3.
On-Campus Child Care
1. Do you give priority to students and do you offer any discounts on tuition?
2.
3.
Academic Advising
1. How many classes should I take per semester?
2.
3.
Parking and Transportation Office
1. Can I take the bus to class if I live off-campus?
2.
3.
Financial Aid Office
1. When are priority deadlines for school scholarships and the FAFSA?
2.
3.
Student Life Office
1. How many student organizations do you have and how can I get involved?
2.
3.
UCanGo2 Student Workbook
32I Pick You, Please Pick Me!
Make your choices and apply
After visiting all the colleges you’re interested in, you’ll know which schools are worth the application fee. Start working on those applications, essays, letters of recommendation and anything else required.
Be sure to note important application deadlines and call the admission office to make sure they received your application. Also, check with the local financial aid office for specific information about scholarships and any financial aid forms that may be required. Be sure your official test scores are being sent to the school(s) to which you’re applying.
Wrap-up
Researching colleges is a time-consuming process, but the effort you put in now will make success after high school easier. Don’t forget to reach out to your parent(s), family and friends during the process. They are your support system and can help you with these difficult decisions.
Also, don’t miss helpful websites, like OKcollegestart.org, which offer tools and resources as you navigate the college application process. Remember, as you research colleges ask questions, pay attention to your surroundings and make a choice that’ll help you succeed. Good luck!
Reflection
What type of school (four-year, community college, proprietary school, etc.) do you think is the best fit for you? Why?
Parent Part
Ask your parent(s), guardians or someone you trust to sit down with you to discuss your future. Ask them if you can be in charge of researching colleges, setting up campus visits and asking the majority of the questions. By taking charge of this process, you’re beginning to take charge of the rest of your life. Of course, they’ll want to be part of your decision-making process, so be sure to keep them in the loop in your research.
Did You Know?
College fairs are a great way to learn more about potential schools. Representatives from many technology centers, colleges and universities will be on hand to answer your questions and pass out information about their school. Also, the Oklahoma College Assistance Program and the Oklahoma State Regents for Higher Education offer helpful grant, scholarship, work-study and student loan information. Ask your counselor for more details and for a copy of the UCanGo2 college fair worksheet.
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UCanGo2 Student Workbook
Photo provided by the University for Science and Arts of OklahomaSECTION 5: How Do I Pay For It?
Photo provided by the University of Oklahoma
Grants, scholarships and student loans … oh my! Ever feel just a little bit overwhelmed by the thought of paying for college?
If you’re wondering how to pay for school or where to look for money, don’t worry! In Oklahoma, there are several resources available to help you and your family plan for and manage the cost of earning a college degree. Plus, the cost of attending an Oklahoma state college or university is among the lowest in the nation.
College Costs
How much does school cost? It depends on the type of institution you plan to attend. In 2010-2011, the cost per year ranged from $2,587 for career technology centers to $15,369 for a research university. Check out the Paying for College tab on OKcollegestart.org to find the current academic year’s cost at most Oklahoma state schools.
Getting Aid. Financial Aid, That Is.
Education after high school is an investment in your future. Fortunately, financial aid is available to help almost everyone manage the cost. To be considered for federal financial aid you must complete the Free Application for Federal Student Aid (FAFSA) after Jan. 1 each year you need aid. You can apply online at FAFSA.gov or get a paper copy by calling 800.4.FED.AID (toll free).
Remember, the first “F” in FAFSA stands for “free”, so you should never have to pay to fill out the FAFSA. Beware of businesses that offer to help you fill out this form for a fee.
How Do I Pay For It?
Finding and Getting Financial Aid
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UCanGo2 Student Workbook35
UCanGo2 Student Workbook
After you complete and return the FAFSA, you’ll get a Student Aid Report (SAR). Review the SAR to ensure all of your information is correct. The information from the SAR will be sent to the school(s) you list on your FAFSA. Once all of your application materials are complete, the financial aid office(s) will let you know what types of aid you’re eligible to receive. This is called an award letter and it may be sent via regular mail or email. In this letter, you’ll be asked to accept or decline the awards offered and return the letter to the school. You don’t have to accept all funds offered to you.
Types of Aid
In your quest for a tassel, there are three main types of financial aid: free money (grants and scholarships), earned money and loans.
Free money
It’s best to always go for free money first. Free money, like grants and scholarships, is sometimes called “gift aid” because you don’t have to pay it back. You can get grants and scholarships for a variety of reasons - not just perfect grades - from many sources including your state, your college, private organizations or the federal government.
Be sure to check out local organizations that sponsor scholarships, such as your church and community groups:
– YMCA
– 4-H Club
– Kiwanis
– Jaycees
– Chamber of Commerce
– Lions Club
– Girl Scouts
– Boy Scouts
Remember, scholarships are awarded based on a variety of criteria, including need, merit, residency, family history, skills, hobbies and athletics. Scholarship deadlines vary, with some as early as December or January of your senior year. You may want to sign up for free online scholarship sources, like
FastWeb.com or FinAid.org. Many of these sites will notify you when new scholarship opportunities are posted. Check out your local library, too. They have a variety of books with scholarship listings to help in your search.
Also, visit UCanGo2.org/Resources to download a copy of the 5 Tips for Scholarship Success flyer to help you learn tips and techniques for getting college scholarships.
Myth: My family makes too much money for me to receive any aid. I don’t need to fill out the FAFSA.
Reality: Never assume your family makes too much money to qualify for aid. You may qualify for federal work-study or other forms of financial aid, like unsubsidized loans, which aren’t based on financial need. You never know unless you apply!
Photo provided by Rogers State UniversityIf you’re a student of Native American heritage, contact your tribal office to ask about programs you may qualify for. Visit aiccm.org/oklahoma-tribes to find contact information for your tribe. A few are listed on our Tribal Scholarship Websites flyer at UCanGo2.org/Resources.
Want more information about scholarships and financial aid? Like us on Facebook (Facebook.com/UCanGo2) to receive the latest information.
Beware of scams! Stay away from companies who claim “to do all the work” or those that “guarantee results.” Remember you never have to put up money to receive a scholarship. These are all games scammers use to trick you out of your hard-earned money.
State Aid
Did you know Oklahoma provides millions in free grants and scholarships to qualified students each year? Our state offers several programs you’ll want to check out, including the:
Oklahoma Tuition Aid Grant (OTAG) Program - Awards grants to Oklahoma students who need money to meet part of the cost of attending college or a career technology center. The deadline for submitting your FAFSA for the OTAG program is March 1, 2012. Visit OKcollegestart.org and click on FAQs and then FAQs About Financial Aid to learn more.
Oklahoma Tuition Equalization Grant (OTEG) - Awards grants to Oklahoma students attending eligible Oklahoma not-for-profit , private or independent institutions. For more information, visit OKcollegestart.org and review the Grant section under Types of Aid.
Oklahoma’s Promise – Pays resident tuition at a public college or an equivalent amount at an eligible private college for Oklahoma students who complete a specific high school curriculum, meet certain GPA standards, and stay out of trouble. To participate in this scholarship program, students must enroll in the 8th, 9th, or 10th grade. Visit OKPromise.org for more information, including eligibility requirements. In addition, some schools offer assistance to Oklahoma’s Promise students to help cover the gap in their college tuition. Check with your school to see if this program is offered.
Academic Scholars Program – Awards scholarships to Oklahoma students who score in the 99.5 percentile on the ACT or SAT exam. It’s also given to in-state and out-of-state students who are named National Merit Scholars or finalists, Presidential Scholars or Institutional Nominees (non-resident participation is limited). Check out OKHigherEd.org/Academic-Scholars to learn more.
Have questions? Call the Oklahoma State Regents for Higher Education’s Student Information Hotline at 800.858.1840 or talk to your high school counselor about how to apply.
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UCanGo2 Student Workbook
What organizations do I belong to that may offer a scholarship?
What skills or hobbies do I have that may earn me a scholarship? Federal Aid
There are several grants awarded by the federal government, two of which are based on financial need: Pell Grants and Supplemental Educational Opportunity Grants. As with all federal aid, you must complete the FAFSA to apply. Find out more at StudentAid.ed.gov and view the chart of federal student aid programs on page 39.
Earned Money
Earned money is, well, money you earn! The Federal Work-Study Program provides jobs for students with financial need. The program encourages you to work for your school or to perform work related to your major. Like a regular job, you work a set schedule and get paid an hourly wage. You can apply for this program when you fill out the FAFSA.
Even if you don’t qualify for work-study, working during school is a great idea, provided you can handle your responsibilities as a student, too. Any dollar you earn – through work-study or through a regular job – is one less dollar you need to borrow (as described in the next section).
Loans
You may need to consider student loans to close the gap between free and earned money and college expenses. Like any other loan, when you take out a student loan you’re promising to pay the money back. Even if you don’t graduate, you still have to pay back every dollar you borrow, plus interest.
Here are some tips to consider when borrowing money to pay for your education.
Turn to federal first. There are two categories of loans: federal student loans and private loans (sometimes called alternative loans). If you have to borrow to pay for school, exhaust all federal loan options before considering private loans, which can have higher interest rates and fewer flexible repayment options.
Borrow only what you’ll need. When accepting a student loan, know how much money you’ll actually need to cover your school expenses, including your basic living expenses for the school term. Many students are offered more loan funds from outside sources than they actually need. Remember, you don’t have to accept all funds offered to you. Be cautious in pursuing additional loans outside those offered by your financial aid office.
Be salary savvy. Consider the starting salary for your chosen occupation before taking out student loans. A good rule of thumb is to make sure your student loan payments won’t exceed 8% of your first-year monthly income after graduation.
Don’t charge it. If possible, don’t rely on credit cards for tuition or school-related expenses. Some families think it’s easier to put all their college expenses on a credit card to avoid completing financial aid paperwork, but student loans are a cheaper way to pay for higher education. Check out the chart to see how student loans and credit cards stack up.
$10,000
$20,000
$30,000
Loan Type
Student Loan
Credit Card
Student Loan
Credit Card
Student Loan
Credit Card
Loan Amount
$10,000
$10,000
$20,000
$20,000
$30,000
$30,000
Interest Rate
3.4%
18%
3.4%
18%
3.4%
18%
Monthly
Payment
$98
$180
$197
$360
$295
$541
Total Months
120
120
120
120
120
120
Total Payoff
$11,810
$21,622
$23,620
$43,244
$35,431
$64,867
Interest Paid
$1,810
$11,622
$3,620
$23,244
$5,431
$34,867
37
UCanGo2 Student Workbook
Student Loan Debt vs. Credit Card Debt
Chart assumes a 3.4% interest rate for student loans and 18% interest rate for credit cards. Credit card monthly payments are based on what it will take to pay off the card in 120 months (the standard repayment period for federal loans), not minimum balance. Types of Federal Financial Aid
Below you’ll find some information associated with the Federal Student Aid Programs chart shown on the opposite page. These programs are designed to help pay the cost of an education. Fill in the blanks when your instructor provides the information or view the answers at the bottom of the page.
Federal Pell Grant
– Grant money that’s awarded to students with __________ __________.
– Apply for the Pell Grant by completing the __________.
Federal Supplemental Educational Opportunity Grant (FSEOG)
– Grant money, such as the FSEOG, doesn’t have to be __________ __________.
Federal Work-Study
– Eligible students are awarded work-study which provides jobs for them either __________ or __________ - __________.
Federal Direct Subsidized Stafford Loans
– These loans are available to eligible students directly from the __________ __________.
– Interest is paid by the ______________:
o While you’re attending __________ at least half-time.
o During the six-month grace period following ____________ or a drop to half-time enrollment.
o During specified loan _________ periods.
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UCanGo2 Student Workbook
Did You Know?
Many students are offered more loan funds from outside sources than they actually need. Remember, you don’t have to accept all funds offered to you. Be cautious in pursuing additional loans outside those offered by your financial aid office.
Answers: 1. financial need 2. FAFSA 3. paid back 4. on or off-campus 5. U.S. Department of Education 6. federal government, school, graduation, deferment Program
Type of Aid
Program Details
Annual Amount
Federal Pell Grant
Grant: does not
have to be repaid
Available almost exclusively to undergraduates
2011–12: up to $5,550
Federal
Supplemental
Educational
Opportunity
Grant (FSEOG)
Grant: does not
have to be repaid
For undergraduates with exceptional financial need;
Federal Pell Grant recipients take priority; funds depend
on availability at school
$100–$4,000
Teacher Education
Assistance for
College and
Higher Education
(TEACH) Grant
Grant: does not have to be repaid unless student fails to carry out service obligation, in which case student must repay TEACH Grant as Direct
Unsubsidized Loan with
interest accrued from date grant was disbursed
For undergraduate, postbaccalaureate, and graduate students who are or will be taking course work necessary to become elementary or secondary teacher; recipient must sign Agreement to Serve saying he or she will teach full-time in designated teacher shortage area for four complete years (within eight years of completing academic program) at elementary or secondary school serving children from low-income families
Up to $4,000 a year;
total amount may
not exceed $16,000
Graduate student:
Total amount may
not exceed $8,000
Iraq and
Afghanistan
Service Grant
Grant: does not
have to be repaid
For students who are not Pell-eligible; whose parent or guardian died as a result of military service in Iraq or Afghanistan after the events of 9/11; and who, at the time of the parent’s or guardian’s death, were less than 24 years old or were enrolled at least part-time at an institution of higher education
Maximum is same
as Pell maximum;
payment adjusted for
less-than-full-time study
Federal
Work-Study
Money earned while
attending school; does
not have to be repaid
For undergraduate and graduate students; jobs can be on
campus or off campus; students are paid at least federal
minimum wage
No annual minimum or maximum amounts
Federal
Perkins Loan
Loan: must be repaid
For undergraduate and graduate students; must be
repaid to school that made the loan; 5% rate
Undergraduate students: up to $5,500; graduate
and professional students: up to $8,000
Direct Subsidized
Stafford Loan
Loan: must be repaid
Subsidized: U.S. Department of Education pays interest
while borrower is in school and during grace and deferment
periods; student must be attending at least half-time and have financial need; fixed rate (set annually) for new borrowers
$3,500–$8,500,
depending on grade level
Direct Unsubsidized
Stafford Loan
Loan: must be repaid
Unsubsidized: Borrower responsible for all interest; student
must be at least half-time; financial need not required; fixed
rate (set annually) for new borrowers
$5,500–$20,500
(less any subsidized amounts received for same period), depending on grade level and dependency status
Direct PLUS Loan
Loan: must be repaid
For parents of dependent undergraduate students and
for graduate and professional students; students must be
enrolled at least half-time; financial need not required
Unsubsidized: Borrower responsible for all interest
Maximum amount is cost of attendance minus any other
financial aid student receives; no minimum amount
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UCanGo2 Student Workbook
Federal Student Aid Programs 2011 - 12
Source: StudentAid.ed.govWrap-up
As you can see, financial aid comes in several shapes and sizes. Need help
deciding what’s right for you? Visit the financial aid office at the school you
plan to attend. For more information and resources, contact the Oklahoma
College Assistance Program at 405.234.4239 (local), 866.443.7420 (toll free)
or UCanGo2@ocap.org.
Reflection
What did you learn about financial aid that surprised you the most?
Parent Part
Have a discussion with your parent(s) about paying for college. Talk about
grants and scholarships you want to explore and ask them to call the
Oklahoma College Assistance Program at 866.443.7420 or visit
OCAP.org if they have questions about the financial aid process.
Notes
UCanGo2 Student Workbook 40
Photo provided by the University of Science and Arts of Oklahoma
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UCanGo2 Student Workbook
Glossary
Academic advisor: The person at a college or university who helps students decide what classes to take, what major to pursue, etc. An advisor is similar to a high school guidance counselor.
Admission requirements: Students wanting to attend an Oklahoma college or university must meet certain requirements to be considered for admission, such as achieving a specified ACT or SAT score, reaching a certain high school grade point average and/or rank in class, taking specified high school courses, etc.
Advanced Placement (AP) courses: Courses that allow students to take college-level coursework in high school. Many Oklahoma colleges and universities award college credit to students who successfully complete these courses and pass the corresponding AP exams.
Associate degree: Degree given upon completion of two years of full-time study or the equivalent. Most associate degrees are awarded by two-year colleges, although some four-year universities also offer associate degrees. Some associate degrees transfer to four-year universities; others are for career preparation.
Bachelor’s degree: Degree given upon completion of four years of full-time study or the equivalent.
Certificate: Granted by a vocational/technical school or proprietary/trade school upon completion of a program; usually requires less than two years of full-time study. Some public and private universities and community colleges offer certificates, too.
Class rank: Ranking of a student within a high school graduating class based upon his or her high school grade point average.
Clock hour: A 50- to 60-minute class, lecture, recitation, faculty-supervised laboratory, shop training or internship in a 60-minute period. Also, can be 60 minutes of preparation in a correspondence course.
Photo provided by Oklahoma City Community College42
UCanGo2 Student Workbook
College: An independent institution of higher learning offering courses of general study leading to associate, bachelor’s or graduate level degree programs.
College catalog: A booklet published by an individual college or university that contains detailed descriptions of course and degree offerings, fees, academic policies and requirements for graduation.
Community college: Also known as a “two-year college,” a community college grants associate degrees for transfer to four-year institutions or for career preparation. Community colleges usually offer flexible class schedules with smaller class sizes. They are known as open door institutions because performance standards (standardized test scores or combination of class rank and grade point average) are not required for admission.
Commuter college: A college at which students live off-campus and travel to campus for classes.
Comprehensive university: See research university.
Concurrent enrollment: A program that allows eligible high school students (juniors and seniors) to take credit-earning college courses.
Cost of attendance: The estimated total cost of attending a college for one year. This amount includes tuition, fees, room and board, books, supplies and travel expenses. The amount of your federal aid can’t be greater than your total cost of attendance.
Credit hour: Credit given for attending one lecture hour of class each week for five weeks or equivalent. Most college classes are three credit hours, meaning their total meeting time for a week is three hours. To calculate tuition, multiply the number of credit hours for each class (three) by the cost of tuition per credit hour.
Default: Failure of a borrower to repay his or her student loan according to the terms agreed upon when the promissory note was signed. Defaulted accounts are reported to the major consumer reporting agencies which may affect a borrower’s ability to get credit in the future.
Deferment: An authorized period of time during which a student loan borrower may postpone principal payments and/or interest payments.
Degree: A recognition of academic achievement at a particular level granted by an institution of higher education, normally as the result of successfully completing a program of study.
Direct PLUS loan (parent loan): A non-need-based loan available to parents with a good credit history to help pay educational expenses of a dependent, undergraduate student who’s enrolled on a least a half-time basis.
Direct Subsidized Loan : A need-based education loan for which interest is paid by the federal government during the in-school, grace and deferment periods.
Direct Unsubsidized Loan : A non-need-based loan for which interest isn’t paid by the federal government. Borrowers are responsible for all interest accrued on unsubsidized loans from the date the loan is disbursed.
Doctorate (doctoral degree): The highest level of academic achievement in our country.43
UCanGo2 Student Workbook
Expected Family Contribution (EFC): The amount a student and his or her family are expected to pay toward college expenses for one academic year. This amount is calculated based on the information supplied by the student and parents on the FAFSA application.
Federal Work-Study (student employment): A program providing part-time jobs for undergraduate and graduate students with financial need, allowing them to earn money to help pay educational expenses. The program encourages community service employment and work related to each student’s course of study.
Financial aid: Money provided to the student and/or parents to help pay for the student’s education. Major forms of financial aid include gift aid (grants and scholarships) and self-help aid (loans and work-study).
Financial need: The difference between the cost of attendance and the expected family contribution, minus any other financial aid received, is the student’s financial need. Financial aid packages are based on the amount of financial need.
Free Application for Federal Student Aid (FAFSA): A federal form required each year to apply for federal student aid. Forms are available online at FAFSA.gov. The information provided on this form is used to determine the student’s expected family contribution (EFC), which allows financial aid offices to identify the types of aid the student is eligible to receive.
Full-time student: An undergraduate student enrolled in at least 12 credit hours or a graduate student enrolled in at least 9 credit hours, or the equivalent, in one semester or academic term.
Grace period: A transition period – generally six months following the date a borrower leaves school or drops below half-time enrollment status – during which the borrower isn’t required to make student loan payments. This period is designed to help the borrower prepare for repayment.
Graduate student: A student working toward a master’s or doctoral degree.
Grant: Aid that’s usually based on financial need and doesn’t have to be repaid.
Half-time student: An undergraduate student enrolled in at least six credit hours or a graduate student enrolled in at least five credit hours, or the equivalent, in one semester or academic term.
High school grade point average (GPA): Average of all grades earned in the ninth through 12th grades.
Higher education center: Institution with flexible admission standards that provides higher education opportunities to citizens in the areas surrounding the centers. The center works with various colleges and universities to provide undergraduate and graduate courses and students can earn an associate, bachelor’s or master’s degree.
Independent colleges and universities: Accredited colleges and universities that offer associate, bachelor’s and/or graduate degrees in traditional subject areas. Private colleges and universities are not supported by state taxes and are not for profit. They receive the bulk of their revenues from tuition, donations and grants.44
UCanGo2 Student Workbook
Interest: A fee charged for the use of borrowed money. Interest is calculated as a percentage of the principal loan amount. The rate may remain constant throughout the life of the loan (fixed rate) or it may change at specified times (variable rate).
Lender: A financial institution (e.g. bank, savings and loan, or credit union) that loans funds to students and parents for educational costs through the private or alternative loan program. These loans typically have higher interest rates and less favorable repayment options than federal loans. All federal education loans are funded by the U.S. Treasury through the Direct Loan program.
Loan: Borrowed money that must be repaid with interest.
Major: An academic subject area, such as economics or geology, in which students take many courses and choose to earn a degree.
Master Promissory Note (MPN): The MPN is a legal agreement that lists conditions under which a federal student loan is borrowed and the terms under which the borrower agrees to repay the loan with interest. It allows a borrower to receive loans for either a single academic year or multiple academic years.
Master’s degree: A graduate degree that follows a bachelor’s degree; may be required before earning a doctoral degree.
Minor: An area of interest studied at the same time as a major. It requires fewer courses than a major.
Part-time student: A student who is enrolled in a certain number of course credits or hours which are less than full-time. For an undergraduate student this is usually less than 12 credits or hours. For a graduate student, it is usually less than nine credits or hours.
Prerequisite: A course which a student must take before he or she can enroll in another (usually more challenging) course.
Professional student: A student majoring in what are considered the professional degrees. These include Veterinary Medicine (D.V.M.), Law (J.D. or LL.B.), Medicine (M.D.), Engineering, Business Administration (M.B.A), Nursing (B.Sc.N.), Pharmacy (Pharm.D.) and more.
Proprietary/trade school: A privately owned or out-of-state institution offering courses in Oklahoma. This type of school prepares students for direct entry into an occupation or profession.
Regional university: A university that offers bachelor’s and master’s degrees, and in some instances, associate and professional degrees. While regional universities focus primarily on instruction, they are also responsible for extension and public service, as well as some research. They tend to have mid-sized student populations and campuses.
Research university: Also known as a “comprehensive university,” a university that grants bachelor’s, graduate and professional degrees and offers a wide variety of courses and degree programs. Along with instruction, research institutions also focus on research, extension and public service. Research universities usually have large student bodies and expansive campuses.45
UCanGo2 Student Workbook
Residential college: A college at which students may live on-campus in dormitories or apartments.
Scholarships: Financial awards given for a variety of reasons, such as good grades, special talents or career plans. Scholarships don’t have to be repaid.
Semester: Calendar system used by colleges and universities. Classes and grade reports are divided into two periods in the fall and spring, each lasting about 16 weeks and one period in the summer, usually lasting eight weeks.
Standardized test (ACT or SAT): Test used by colleges and universities to evaluate applicants’ academic skills and abilities. The standardized tests most widely used by colleges and universities are the ACT and SAT. Oklahoma state colleges and universities rely primarily on the ACT.
State (public) colleges and universities: Colleges and universities that receive funding from state taxes to pay part of operating costs.
Subject area test: Standardized tests given by ACT in math, science, reading and English. Public colleges and universities look at these test scores when helping students enroll in courses.
Technical branch: Institution that has a special emphasis on education and training in technical fields. Some technical branches offer academic courses and programs, but not all institutions offer two-year programs that lead to an associate degree.
Technology center: A school that prepares students to enter a specialized career, trade or vocation.
Trimester: Calendar system used primarily by the state’s technical branches. Classes and grade reports are divided into three periods, each lasting about 10 weeks.
Tuition: Payment students make to cover costs of their classes at state and private colleges and universities. Other fees may be also required.
Two-year college: An institution that grants associate degrees for transfer to four-year institutions or for career preparation. Two-year colleges usually offer flexible class schedules with smaller class sizes. They are known as open door institutions because performance standards (standardized test scores or combination of class rank and grade point average) are not required for admission.
Undergraduate student: A student at an eligible school who’s enrolled in a four- or five-year program that’s designed to lead to an undergraduate degree.
University: A higher education institution that usually offers four-year degrees, as well as degrees beyond the baccalaureate level (graduate and professional degrees). They may also offer associate degrees.
U.S. Department of Education: A government agency that oversees education and federal student aid in the United States. The Oklahoma State Regents for Higher Education, in compliance with Titles VI and VII of the Civil Rights Act of 1964, Executive Order 11246 as amended, Title IX of the Education Amendments of 1972, Americans with Disabilities Act of 1990 and other federal laws and regulations, do not discriminate on the basis of race, color, national origin, sex, age, religion, handicap or status as a veteran in any of its policies, practices or procedures. This includes but is not limited to admission, employment, financial aid and educational services.
This publication, printed by Southwestern Stationery, is issued by the Oklahoma State Regents for Higher Education, as authorized by 70 O.S. 2001, Section 3206. 6,000 copies have been printed at a cost of approximately $6,579. Copies have been deposited with the Publications Clearinghouse of the Oklahoma Department of Libraries. This publication was produced in August 2011.
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