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College Financial Aid Glossary: common terms and meanings that students and parents should know shared by financial aid expert Jodi Okun

College Financial Aid Glossary: Common Terms and Their Meanings that Students and Parents Should Know

Pay for College / By

Navigating the financial aid process as a college student or first time college parent can feel mind-boggling, especially with the numerous terms and acronyms thrown around. Almost every financial aid application or letter will have at least one of these acronyms so it’s important to start recognizing them. I want you to feel confident and comfortable as you navigate all of the documents you’ll be handling over the next year! To help you understand the financial aid landscape and make informed decisions as a college-bound student (or with them as a parent), I’ve put together a glossary of the most common financial aid terms and their meanings. FAFSA (Free Application for Federal Student Aid)  The FAFSA is a form that students and their families fill out to determine their eligibility for financial aid, including federal grants, work-study programs, and loans. It is essential to fill out the FAFSA as early as possible to maximize your financial aid options! This typically opens in October.  Student Aid Index The Student Aid Index is replacing the Expected Family Contribution from prior years, which was the amount a family would have to pay out-of-pocket for college expenses. Now, the SAI will help colleges and universities determine how much funding a student can receive. You can read about how the SAI might impact your family here! Grants   Grants are a type of financial aid that are not repaid. They are based on financial need. The most common federal grant is the Pell Grant, which is available to undergraduate students who demonstrate significant financial need. The new SAI is making the Pell Grant more available to many students!  Scholarships Scholarships are funds awarded to students based on various criteria, including academic achievement, extracurricular involvement, or specific talents. Like grants, scholarships do not get repaid. Scholarships come from colleges, private organizations, or community groups. Check for these frequently – even after college acceptance – to help keep your costs low!  Loans Loans are borrowed funds that must be repaid with interest. There are several types of student loans, including federal loans (such as Direct Subsidized and Unsubsidized Loans) and private loans from banks or other financial institutions. Federal loans generally offer more favorable terms and repayment options than private loans. Read about the differences here!  Work-Study Programs  Work-study is a federal program that provides part-time jobs for students with financial need. The program allows them to earn money to help pay for their education expenses. These jobs are typically on-campus, but some may be with local nonprofits or community organizations. COA (Cost of Attendance)   The COA is the total estimated cost of attending a particular college or university for one academic year. It includes tuition and fees, room and board, books and supplies, transportation, and personal expenses. The COA is necessary to help determine a student’s financial need and aid eligibility. FAFSA Submission Summary The FAFSA Submission Summary is a summary of the information provided when you complete the FAFSA. Simple as that! It also indicates a student’s eligibility for federal student aid. Colleges use the this summary to prepare financial aid packages for students. Award Letters Award letters are documents from a college or university to a student that list the types and amounts of financial aid they are eligible to receive. This may include grants, scholarships, loans, and work-study opportunities. It is important to carefully review and compare award letters from different schools to understand the full cost of attendance and the amount of aid provided. When you compare letters, remember to pay special attention to what the numbers say!  Understanding these key financial aid terms can empower you to make informed decisions and effectively plan for your college expenses. Familiarize yourself with this glossary to ensure you’re able to navigate the financial aid process with confidence. Remember, every dollar saved or earned through financial aid can make a significant difference in making college more affordable for you and your family. Good luck!  More about Jodi and College Financial Aid Advisors Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

College Application Deadlines: college financial aid advisor Jodi Okun shares key dates high school juniors and seniors need to know

Mastering the College Timeline: Key Deadlines You Need to Know

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Applying to college can feel like a daunting task with numerous deadlines to keep track of. From admission applications to financial aid forms, staying organized and aware of key dates is crucial when you’re applying for college. This guide outlines the essential deadlines you need to know to master the college timeline and ensure a smooth application process. Admission Application Deadlines I’ve mentioned these application deadlines in previous blogs this month, but they’re worth repeating! When it comes to college applications, there’s four types of deadlines. You need to understand the repercussions of each type of application deadline so you know what is the best fit for your college journey. Remember to check each school’s application so you’re positive about their exact deadlines!  Early Decision: This deadline is typically around November 1st for most schools. Early Decision is a binding agreement, meaning you commit to attending if accepted. It’s ideal for students who have a clear first-choice school and know that’s the place they want to attend.  Early Action: Similar to Early Decision, usually around November 1st for many schools. Early Action is non-binding, allowing you to apply early and receive a decision sooner without the obligation to attend. This is a good option if you’re pretty sure about where you might want to go but aren’t ready to commit the day you apply.  Regular Decision: Regular decision deadlines are between January 1st and January 15th for many schools. Decisions are typically released in March or April for students to make their final decisions. . Rolling Admission: Schools with rolling admission review applications continuously and make decisions on a rolling basis until all spots are filled. Pay close attention to when you can submit the applications.  Standardized Test Dates: As of now, many colleges still require the SAT and ACT. The SAT and ACT are offered multiple times a year. Key dates are in August, October, November, December, March, May, and June. Students register about a month before the test date. I recommend taking it once after studying and deciding if you need to retake it. Check each college’s requirements for the latest acceptable test dates and which exams you need. Financial Aid Deadlines The other major set of deadlines to pay attention to are the financial aid deadlines. Again, check your specific school(s) details for any school or state related financial aid.  FAFSA (Free Application for Federal Student Aid): The FAFSA should open on October 1st of this year (2024-2025 application cycle was different because of the new changes). The deadline that it must be completed by varies between each state and college, but submitting as early as possible is recommended. The FAFSA determines your eligibility for federal, state, and college-based financial aid. Many schools award aid on a first-come, first-served basis, so early submission is crucial. CSS Profile: Not all schools require the CSS Profile, so determine if your school(s) will need it. Some private schools request the CSS Profile.  If you do, it also opens October 1st, and the due date will vary. Read more tips about completing the CSS Profile here!  State Financial Aid: Each state has their own due dates, but they’re often early in the year (e.g., March 1st for many states). Research your state’s specific financial aid deadlines to ensure eligibility. Scholarships: National and private scholarship deadlines vary widely. Some will be due as early as summer before senior year, others throughout the fall and winter. Search for scholarships early and regularly. Create a list of potential scholarships and their deadlines to stay on track. I have more tips on scholarship searching here!  Mastering the college timeline requires careful planning and organization. Review my timeline for college application success here – so you know how to strategize beyond just your senior year! By staying aware of key deadlines and proactively managing your time, you can navigate the college application process successfully. Remember to start early, stay organized, and seek support when needed. Good luck on your journey to college!   More about Jodi and College Financial Aid Advisors Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

College financial aid advisor Jodi Okun shares tips for each year of high school so students find college application success

Navigating the College Application Process: A Timeline for Success

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Applying to college is a large part of many seniors’ experiences in their last year of high school and it’s a process that requires careful planning and organization. College applications have many steps and lots of components that have to be completed in an accurate and timely manner. They’re the first impression you give to the schools that you’re hoping to attend, so it’s important to be prepared. While the bulk of the application process occurs in your senior year, there’s plenty you can do in your early high school years to help prepare too. Today I’m sharing a timeline for college application success – that includes what you can do throughout your high school career for success!  Freshman and Sophomore Years By now, most students have decided if they’re interested in the college route. If that’s the plan, here’s a few things to do in your first two years of school:  Explore Interests: Participate in extracurricular activities like clubs, after school sports, or the arts programs to discover your passions and develop new skills. It’s important to show that you’re dedicated to your time outside of the classroom, too. These two years are also a good time to build volunteer experiences and showcase your care for others. Finally, form connections with teachers and counselors who can later provide strong letters of recommendation when the time comes.  Focus on Academics: In your first two years of school (and all of them, frankly!), enroll in the honors or Advanced Placement courses to strengthen your academic record. If that’s not feasible for you, that’s okay too! Make sure you’re showing a strong academic start to your high school years regardless of the classes you take.  Junior Year Spring: In the spring of your junior year, start researching colleges and/or universities that interest you. Consider factors such as location, size, majors offered, and campus culture. Talk with your family about planning a visit to campus (read my tips on that here!) so you can experience what it’s like in real life. The spring is also the time to register for your SAT or ACT. It’s also the perfect time to study for them!  Summer: By now, you’ve hopefully completed your campus visits and tours. Take the time in the summer to compile a list of potential colleges based on your research and visits. At this point in the year, you can review common essay prompts and begin brainstorming ideas for your applications. Personal statements can also be hard to write, so I recommend beginning on that process, to!  While it’s important to rest and recharge during the summer, it’s also a good time to participate in activities that interest you, such as internships, jobs, or volunteer work. If you have a job, work to save some of the money for college expenses – they add up quickly!  Senior Year Fall:  Narrow down your list to a mix of safety, match, and reach schools. By now, you’re going to be completing your applications so ask teachers and counselors for letters of recommendation. Provide them with necessary information and deadlines – I always recommend buffering that deadline by a few days so everything is turned in early. In the fall, retake any SAT or ACT tests if necessary.  If you’re applying for Early Decision (ED) or Early Action (EA), ensure applications are submitted by early November. Don’t forget that the Free Application for Federal Student Aid (FAFSA) should open on October 1. Complete it as soon as you can and check if any colleges require the CSS Profile. Financial aid applications should be done as soon as possible once they open. Oftentimes, financial aid is first come, first serve so you want to submit your paperwork as soon as you can!  Winter:  Complete and submit regular decision applications by early January. Once your applications are in, regularly check application portals for updates or additional requirements. If the schools do need any clarifications, adjustments or updated documents, ensure that you return them in a timely manner.  Spring: In the early spring, students will begin receiving acceptance letters and financial aid award letters. Review each offer carefully, aiming to compare apples to apples – especially where money is concerned. If you haven’t already visited the campuses, make one final trip out for your top choices before committing. By May 1st, you should decide where you’re attending. Notify other colleges of your decision so that students on the waitlist will be offered a spot, if possible.  Once all of that is done, you get to kick back and relax! Congratulations! I know that the process to college can feel tiring and long – but it is so worth it. Good luck!  More about Jodi and College Financial Aid Advisors Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

How to plan your college admission and financial aid journey, tips from college financial aid advisor Jodi Okun

How to Plan Your College Admission and Financial Aid Journey: Tips for Application Deadlines

Financial Aid, Preparing for College / By

Navigating the college admission and financial aid process can be overwhelming, especially with numerous deadlines to keep track of. From financial aid to the needs of several schools’ admission applications, there’s a lot to pay attention to. Every detail of these applications matters and can make a difference between being accepted and being denied the news you so desperately want! Proper planning and organization are essential to ensure you don’t miss any critical dates during your college application journey. That’s why I’m sharing how to plan accordingly for your college admission and financial aid applications this fall!  Understand Different Types of Deadlines When it comes to college applications, there’s a few common deadlines you should know about:  Early Decision: Binding agreement to attend if accepted, with deadlines typically around November 1st. This is for students who want to know where they’re going and are ready to commit!  Early Action: Non-binding, allows you to apply early and receive a decision sooner, with similar deadlines to ED. The biggest difference is that you do not have to attend the school you applied to here.  Regular Decision: Standard application deadline, usually between January 1st and January 15th. Most students will likely apply to schools on this deadline!  Rolling Admissions: Applications are reviewed as they are received, with decisions made on a rolling basis. Financial aid applications have their own application due dates. It’s important to file as early as you can – and as accurately as you can – so that you receive the most benefit. Financial aid  is often handed out on a first come, first serve basis. So make sure you know these deadlines and meet them!  FAFSA (Free Application for Federal Student Aid): In a normal year, the FAFSA will open on October 1st. This past year was different, as changes were made to the form. Experts are unsure how this coming year will play out yet, but regardless – submit as soon as possible to maximize aid opportunities. All schools will require you to file the FAFSA.  CSS Profile: Some colleges require this in addition to the FAFSA. Deadlines vary, but it often aligns with admission deadlines. I have lots of tips on the blog about the CSS Profile if you need to complete it for the schools you’re looking at!  Institutional Aid: Check each college’s website for specific deadlines for their own financial aid forms. This will definitely vary between colleges and states.  Tips for Staying on Track In a recent blog, I discussed creating a master schedule that includes all of these deadlines. Check out those tips here! In addition to creating a master calendar, I recommend a few tricks to help stay on track with your application deadlines:  Start Early: Now is a great time to start gathering documents, jotting down ideas for possible essay topics, and gathering personal recommendation letters. The end of summer is also a wonderful time to review your resume and collect information on your grades, volunteer work, and job experience – all of which you’ll need to complete applications. Set personal deadlines: Aim to complete all of your application components days before they’re actually due. This gives you a buffer if something happens and helps you avoid rushing right before a due date, often leaning to errors and incomplete information being submitted. Once you know the deadlines you set for yourself, schedule regular check-ins with your parents, teachers, or guidance counselors to track your progress.   Research and understand application requirements: I know that applications, particularly for financial aid, can feel really overwhelming. Make time to research what all of the lingo means and what you need to submit. If you know what you’ve got ahead of you when you sit down to file everything, it will feel way easier! Don’t forget to double check for accuracy before submitting anything!  Take Care of Yourself Senior year is an amazing, but stressful time, for many high school seniors. While these applications are very important, I want to stress how important it is to take care of yourself. Stay positive – focus on completing goals and small achievements or milestones along the way. It’s also easy to get sucked into the process and get hyper focused so make time for your loved ones, friends, and hobbies around school and applications! This is one part of your journey into college – so try to enjoy it!  Good luck! More about Jodi and College Financial Aid Advisors Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

The ultimate college application timeline and tips for high school students shared by college financial aid advisor Jodi Okun

Stay Ahead: The Ultimate College Application Timeline and Tips for High School Students

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Applying to college is an exciting yet challenging journey. Staying organized is key to managing deadlines, essays, recommendation letters, and other essential components of your application. That’s why today I want to share my ultimate college application timeline – and some tips – to help you stay on track!  Create a Master Timeline If you’re not a  junior or senior in high school, you can still be thinking about college! These early years are important to help explore interests, build relationships with your teachers, coaches, and other mentors – and decide what your college journey might look like. There’s no real formal deadlines in these two years. Instead, use the time to start researching what you’re interested in and where you could study that topic.  Junior Year In the fall of your junior year, make your list of potential colleges. This should include your dream, reach, and fall back schools. I highly recommend making visits to the campuses so you really understand what it’s like to be a student there. Curious about what to do during campus visits? Read one of my blogs here!  In the spring of your junior year, register for any standardized tests required by your schools. This usually looks like the SAT or ACT. Make sure you study and prepare for the tests. While you can take them again, that costs time and money in the application process!  During the summer before senior year, you’ll finish your prep for the SAT and/or ACT. Begin looking at the applications for the colleges on your lists and if there’s any common prompts for the application essays, start writing. The earlier, the better! The summertime is also a great time to get volunteer or work experience in your expected field of study – or simply to get more time in the community. These hours look great on your applications!  Senior Year Once senior year arrives, the application season will kick into high gear. In the fall, narrow down your list of colleges – if you haven’t already. It’s also the time to retake the SAT or ACT if you weren’t happy with your scores. Applications will begin opening for financial aid and the colleges, so take the time to review them all with your family. Sit down with your parents or guardians and complete the FAFSA and, if necessary for your schools, the CSS Profile. Remember, financial aid is often first come, first serve so you need to complete your applications early and accurately. Find more tips on how to complete the FAFSA or CSS Profile on the blog!  As you’re completing those applications at home, you’ll want to reach out to your teachers, coaches, mentors, or other trusted adults to write your recommendation letters. Be sure to provide them with everything they need to complete your letters. I recommend having a copy of your resume so they can reference your additional experience or work! Make sure that they know how and where to send your letters. Application Deadlines There’s a lot of deadlines to keep track of during the application process! One of the most important is to have your FAFSA completed by October 15th. Although this year was a little different, the deadline is usually in October. Early decision deadlines for college applications are usually around November 1st, so if you’re hoping to know where you’re going early in the year, finish your application components by then. Regular applications are typically done by January 1st of each year! Finally, once the schools receive the applications and make their decisions, you have to give your acceptance (or lack of one) to the school by May 1st. Please make sure to submit your “no” to schools you do not choose to attend so the other students on their waitlist are able to get their letters!  As we found out this past year, deadlines can and will change. But, in a typical application cycle, you can expect to follow those deadline dates! I recommend putting them on a central calendar for you and your family to see, along with any other dates from the various application components.  College applications are one of the hardest, most stressful, and yet rewarding things you will do in your high school career. While it can be easy to become overwhelmed by all of the components and deadlines, try to maintain a balance between your work and experiencing your last year of high school! Lean on your loved ones, counselors, and teachers for support and guidance – they are here to help you! Most of all, stay positive and know that this is a very normal and routine process. Each step will bring you closer to your goal – and anything is possible!   Good luck!  More about Jodi and College Financial Aid Advisors Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

Tips for understanding credit and debt for high school and college students shared by financial aid expert Jodi Okun

Understanding Credit and Debt: A Breakdown for High School and College Students

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As high school and college students begin to navigate their financial independence, understanding the concepts of credit and debt becomes crucial. These financial principles play a significant role in shaping personal finances. Students can learn about financial responsibility from managing everyday expenses and planning for major purchases and investments. Here’s a comprehensive guide to help students grasp the fundamentals of credit and debt and make informed financial decisions. What is Credit? Credit refers to the ability to borrow money or access goods and services with the promise of repayment at a later date. When you use credit, you are essentially borrowing money from a lender, such as a bank, credit card issuer, or retailer. Key aspects of credit include: Credit Scores:  A numerical representation of your creditworthiness, based on factors like payment history, credit utilization, length of credit history, types of credit accounts, and new credit inquiries. A higher credit score indicates lower credit risk, making it easier to qualify for loans and credit cards with favorable terms. Credit Cards: Cards issued by financial institutions that allow you to make purchases on credit. It’s important to use credit cards responsibly! Remember to pay off the balance in full each month to avoid interest charges and maintain a good credit score. Loans:  Money borrowed from a lender, often for specific purposes like buying a car, financing education, or purchasing a home. Loans come with interest rates, which determine the cost of borrowing. Managing loans responsibly and making timely payments is crucial to maintaining good credit. What is Credit Card Debt?  Debt arises when you borrow money and are obligated to repay it, usually with interest. Debt accrued from using credit cards to make purchases. If not managed properly, high credit card balances can lead to costly interest charges and negatively impact your credit score. Establish Good Credit Habits: Start building credit early by using a credit card responsibly. Paying bills on time and keeping credit card balances low relative to credit limits also helps build your credit score. This is something college students can do by buying their school supplies each semester. Have them pay off their purchases in full and on time. It’s an easy way to begin using their credit card and establish a history with small purchases that are necessary and planned.  Monitor Your Credit Score: Regularly check your credit report for accuracy and monitor changes in your credit score. Many financial institutions and credit bureaus offer free credit monitoring services. Create a Budget: Develop a budget to track income and expenses. Allocate funds for essentials like housing, transportation, and groceries, while setting aside money for savings and debt repayment. Avoid Excessive Debt: Borrow only what you can afford to repay comfortably. Prioritize paying off high-interest debt, such as credit card balances, to reduce overall interest costs. Understanding credit and debt is essential for high school and college students as they transition into adulthood and manage their finances independently. By grasping these concepts early and adopting responsible financial habits, students can build a solid foundation for financial success!  Get tips on difficult money discussions in my book, Secrets of a Financial Aid Pro. It answers questions that help parents talk to students of any age about money and debt. It also takes readers through the entire college money process of applying for financial aid, using student loans, and searching for college scholarships. No matter how old your child is, start involving them in discussions about how your family will pay for their college education. More about Jodi and College Financial Aid Advisors Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

Financial strategies for high school and college students to pay for college shared by financial aid expert Jodi Okun

Smart Summer Money Moves: Financial Strategies for High School and College Students

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Summer is not just a time for relaxation and fun—it’s also a great opportunity for high school and college students to take proactive steps towards managing their finances and setting themselves up for success. Whether you’re saving up for college expenses, planning for the future, or looking to gain valuable financial skills, here are some effective money strategies to consider during the summer months:  #1: Work and Earn Summer jobs or internships can provide valuable work experience and a steady income. Whether it’s lifeguarding at the local pool, working in retail, or interning at a company related to your field of study, earning money during the summer can help you build savings and develop budgeting skills. The best way to learn how to manage money is to simply do it. Find a budgeting software you like (or a worksheet) and manage your income and expenses.  Additionally, summer jobs and internships not only provide income but also valuable skills and experiences that can boost your resume and future career prospects. #2: Explore Freelance Opportunities If you have a particular skill or talent, consider freelancing during the summer months. Whether it’s graphic design, writing, tutoring, or photography, freelancing allows you to work flexible hours, earn extra income, and build a portfolio that could help after graduation.  #3: Learn About Investing and Saving Summer break is an ideal time to educate yourself about investing and saving for the future. Take advantage of online resources, books, or courses to learn about money options (stocks, bonds, mutual funds) and practice investing! These little investments can add up. Start saving for college tuition, a car, or even retirement by setting up a savings account or exploring investment options that match your risk tolerance and financial goals. #4: Take Advantage of Educational Opportunities Summer can also be a time to expand your knowledge and skills through educational programs or workshops. This is the perfect time to find scholarships and grants to reduce your next year’s college costs. You can also learn more about personal finances from local seminars, webinars, or experts. If you’re not planning to work, consider signing up for summer classes through a local college or your university. It’s another great way to reduce costs (especially if you go through a community college) and knock out some GenEds!  #5: Plan for College Expenses For high school students entering college soon, summer is a crucial time to prepare financially. Finalize your research on financial aid options, like loan types and scholarship offers. You can also start comparing college costs between your top options.  Estimate your anticipated expenses and create a budget that includes tuition, books, housing, transportation, and personal expenses.  Summer presents high school and college students with a valuable opportunity to not only earn money but also develop essential financial skills, plan for the future, and prepare for the next academic year. Start now, and use this summer wisely to build a solid foundation for your financial future! More about Jodi and College Financial Aid Advisors Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

Tips for getting your scholarship application deadlines in order as you apply shared by financial aid expert Jodi Okun

Mastering Scholarship Deadlines: Your Guide to Organized Application Success

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Navigating the world of scholarship applications can be daunting, especially when you’re juggling multiple deadlines and requirements. Missing deadlines can mean missing out on valuable financial aid opportunities. To help you stay organized and maximize your chances of success, here are some practical tips for managing your scholarship application deadlines effectively. #1: Create a Calendar or Spreadsheet One of the most effective ways to stay on top of scholarship deadlines is to create a calendar or spreadsheet dedicated to tracking application deadlines. Include important details such as: Deadline Dates: Note down the deadlines for each scholarship you plan to apply for. Requirements: List the specific requirements for each scholarship, such as essays, letters of recommendation, transcripts, and financial information. Submission Methods: Record how each scholarship application should be submitted (online form, email, mail, etc.). #2: Set Reminders Once you have your deadlines organized, set reminders well in advance of each due date. Use digital tools like calendar apps on your phone or computer, or set alarms to alert you a week and a few days before each deadline. This ensures you have ample time to gather materials and complete your application without rushing. #3: Prioritize Scholarships Not all scholarships will have the same level of importance or relevance to your academic and personal goals. Prioritize scholarships based on: Fit: How well does the scholarship align with your background, interests, and career aspirations? Value: Consider the financial award and how it would impact your educational expenses. Feasibility: Assess the effort required to apply and your likelihood of meeting the eligibility criteria. Focus your efforts on scholarships that best match your profile and offer the greatest potential return on investment for your time and energy. #4: Break Down Tasks Breaking down the application process into smaller tasks can make it more manageable and less overwhelming. Assign specific days or times to work on different aspects of the application, such as drafting essays, requesting letters of recommendation, and gathering supporting documents. #5: Use Scholarship Search Engines Take advantage of online scholarship search engines and databases, such as Fastweb, Scholarships.com, and College Board’s Scholarship Search. These platforms often allow you to filter scholarships by deadlines, eligibility criteria, and application requirements, making it easier to find relevant opportunities and stay informed about upcoming deadlines. #6: Check for Updates Regularly Scholarship deadlines and requirements can sometimes change or be extended. Make it a habit to regularly check the websites of scholarship providers or follow them on social media for updates and announcements. This ensures you have the most current information and don’t miss any changes that could affect your application.  #7: Seek Help and Feedback Don’t hesitate to reach out to teachers, parents, current students, or counselors for advice and feedback on your scholarship applications. They can provide valuable insights, help proofread your essays, and ensure you’re meeting all the requirements effectively. Managing scholarship application deadlines requires careful planning, organization, and attention to detail. Remember, staying organized not only reduces stress but also ensures you can present your best self in each scholarship application. Good luck! More about Jodi and College Financial Aid Advisors Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

Why it's never too early or too late to apply to scholarships for college students shared by college financial aid advisor Jodi Okun

It’s Never Too Early (or Too Late) to Apply to Scholarships: A Guide for College Students & Families

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As college tuition costs continue to rise, the search for scholarships becomes increasingly crucial for students and their families. Whether you’re a high school student preparing for college or already navigating your way through higher education, the pursuit of scholarships should never be underestimated. Here’s why it’s important to start early and maintain your search throughout your academic journey. Start Early, Reap Rewards: For high school students, the adage “the early bird catches the worm” couldn’t be more fitting. Scholarships are available for students as early as middle school, targeting various achievements, talents, and demographics. Starting your scholarship search early allows you to: Maximize Opportunities: Many scholarships have specific eligibility criteria that align with academic achievements, extracurricular involvement, community service, and more. By identifying these requirements early, you can tailor your activities to meet them and increase your chances of qualifying. Build a Strong Portfolio: Scholarships often require essays, letters of recommendation, and detailed applications. Starting early gives you time to develop your writing skills, gather necessary documents, and refine your applications for maximum impact. It’s not generally as simple as filling out a form. It will require work and creating a strong set of materials to apply! But, the good news is that once you’ve got most of the standard pieces, you can easily apply them to most applications and gather modified essays or letters.  Reduce Financial Burden: The financial support from scholarships can significantly alleviate the burden of college expenses, including tuition, books, and living costs. By securing scholarships early, you can better plan your finances and potentially reduce the need for student loans. Scholarships During College: Even if you missed out on applying for scholarships as a high school student, it’s never too late to start during your college years. Many scholarships are available specifically for current college students, covering a wide range of majors, academic achievements, and personal backgrounds. Here’s why continuing to search for scholarships in college is beneficial: Offset Rising Costs:  College expenses don’t end after freshman year. Scholarships for current students can help cover tuition increases, study abroad programs, internships, and other educational expenses that arise throughout your college journey. Support for Specific Needs:  There are scholarships tailored for various demographics, including minorities, first-generation students, veterans, and students with disabilities. Researching scholarships that align with your background and circumstances can provide much-needed financial support. Enhance Resume and Network: Winning scholarships can bolster your resume and demonstrate to future employers or graduate schools your dedication, achievements, and ability to compete for prestigious awards. Additionally, some scholarships provide opportunities to connect with mentors and professionals in your field of study. The pursuit of scholarships should be a continuous effort. Starting early allows you to maximize opportunities, build a strong application portfolio, and reduce the financial burden of college expenses. Even if you’re already in college, there are numerous scholarships available to support your academic journey and career aspirations. It’s never too early or too late to start this process – and remember, scholarships are FREE money that you will not have to pay back!  More about Jodi and College Financial Aid Advisors Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

When College Bound Students Should Begin Looking for Scholarships

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As students embark on their educational journeys, the prospect of financing their studies often looms large. Scholarships can be a game-changer, offering financial assistance that reduces the burden of tuition fees, books, and living expenses. However, the question of when to start looking for scholarships is one that many students grapple with. Is it ever too early to begin searching for these opportunities? Let’s explore when to begin looking for scholarships as a college bound student! Effort Now Means More Opportunities Later The simple answer is: it’s never too early to start looking for scholarships. In fact, the earlier you begin, the better your chances of finding and securing relevant awards. Many scholarships are available to students starting from middle school through graduate studies, each with unique eligibility criteria and application deadlines. By starting early, students can: Understand Requirements: Scholarships often have specific requirements regarding academic achievement, extracurricular involvement, community service, and more. Starting early allows students to align their activities and achievements with these criteria.   Research Options: There are numerous scholarships available from various sources such as universities, private organizations, corporations, and government bodies. Researching these options over time gives students a broader perspective on what is available and what they might qualify for. Prepare Strong Applications: Scholarship applications often require essays, letters of recommendation, and other supporting documents. Starting early gives students ample time to refine their writing skills, gather necessary documents, and seek feedback to improve their applications. Key Milestones for Scholarship Search Early High School: While not typically applying for scholarships at this stage, students can start exploring what scholarships are out there and begin to understand what might be required in the future. This is helpful to simply gather information and learn what options might exist.  Late High School (Grades 11-12): This is a critical time for scholarship research and application. Students can identify scholarships specific to their intended college or university, as well as national and local scholarships. Starting applications early in senior year ensures they don’t miss deadlines. College and Graduate Studies: Scholarships are available throughout college and even into graduate studies. Continuing to search and apply for scholarships can help offset the costs of tuition and living expenses. Strategies for Effective Scholarship Searching Use Online Resources: Websites like Fastweb, Scholarships.com, and College Board’s Scholarship Search offer comprehensive databases of scholarships. Setting up profiles and alerts on these platforms can streamline the search process. Network: Utilize school counselors, teachers, and community organizations to learn about local scholarships. Networking can uncover hidden opportunities and provide valuable insights into specific scholarship requirements. Stay Organized: Keep track of deadlines, application requirements, and submission processes. Creating a calendar or spreadsheet can help manage multiple applications without missing important dates. Apply Strategically: Focus on scholarships where you meet the majority of the criteria to maximize your chances of success. Tailor each application to highlight relevant achievements and experiences. The quest for scholarships should begin as early as possible. Starting early allows students to explore a wide range of opportunities, understand what is required to qualify, and prepare strong applications. By adopting a proactive approach and staying organized, students can significantly enhance their chances of securing financial aid that supports their academic journey. Remember, the effort put into scholarship searching and application preparation can pay off in reducing the cost of going to college for your entire family!  More about Jodi and College Financial Aid Advisors Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

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