By Priscilla Wu, Courier Staff Writer
Seniors are about to make one of the most important decisions of their lives- where they will go to college.
College is a huge decision, not just in terms of where a student will fit in best academically, but in financial terms. Many students graduate college with the cost of a car, or even that of a home, in debt. This level of financial commitment is hard to truly understand as a high schooler, but it's important to fully weigh one's options.
Breaking down your aid package:
Most schools, state and private, will present you with an aid package upon acceptance. In this package will likely be a mix of federal loans, work-study, and grant money.
Federal Student Loans
There are four different types of federal student loans, and for all four, your school decides how much you can borrow given your data submitted on the FAFSA (Free Application for Federal Student Aid). This data is included in your aid offer.
Federal student loans include Direct Loans, where the lender is the U.S. Department of Education. Direct loans are separated into Direct Subsidized Loans and Direct Unsubsidized Loans. The former are the better deal, since the Department of Education covers the interest on the loan, but they're made out solely to students who demonstrate financial need. Direct Unsubsidized Loans have no financial need requirement, but you have to pay the interest on the loan, which is currently 6.8%. There is also a six month grace period on Direct Loans, which means you have six months after you graduate or leave school to begin payments on the loan.
Direct PLUS Loans are also part of the federal student aid offerings, but they are taken out by the parents of the student, rather than the student herself. Parents must not have an adverse credit history, and must pay the high interest rate of 7.9%.
Separate from Direct Loans is the Federal Perkins Loan Program, a school-based loan program for undergrads with exceptional financial need. Under this loan program, the school is the lender. The current interest rate is 5%.
Once you've decided on which school best fits your academic and financial needs, the school will tell you how to accept your aid package, and you must complete entrance counseling to make sure you're aware of the terms you're agreeing to, and sign a Master Promissory Note. After you first get your loan, your loan servicer will contact you and give your periodic updates on the status of your loan. The school will apply your loan to the school account to pay for things like tuition, fees, and room and board. Excess funds will be returned to you.
Shahbaz Shaikh works on getting
into college at the Career Center
Tawab Fakhri/Courier Photo,
Courier Staff Writer
For those who missed the after school University of California workshop, here is a summary of the meeting that was conducted by Theresa Vidaurri, an Early Academic Outreach Program representative. A personal statement is used to give context to a student¢s life as well as depth to the student¢s profile. It is your chance to reveal information that your test scores and grades cannot show statement readers. The UC Personal Statement is not about being flowery or excessively wordy because that becomes a waste of words. Do not attempt to be funny or clever, but do be sincere and use your words to advance your arguments.
By Suzanne Wu and Alejandro Samaniego, Courier Staff Writers
This is the first in a series of articles spotlighting some of the colleges and universities Logan graduates may be considering attending.
Bowling Green State University is located in Ohio and is a four-year, public, coed University. The University is in a rural setting and offers Bachelor’s, Master’s, and Doctoral Degrees. Activities that are available range from Drama, Bands, Radio Station, to Fraternities and Student Government groups. For more information about Bowling Green State University, visit their website at www.bgsu.edu.
Popular Majors:
* Education: 24%
* Business/Marketing: 14%
* Visual and Performing Arts: 8%
* English: 7%
* Health Professions: 7%
By Christina La, Courier Editor-in-Chief
Recently, many High School Seniors who attend James Logan or Conley-Caraballo have received newsletters home regarding the New Haven Schools Foundation Scholarship Program for the 2008 school year. For many years, this program has been designed to help students with financial needs and provide them with an opportunity to earn money for college.
By Barbara Hart, Career Center Technician
The following is a listing of current scholarship applications that are available for pick-up in the James Logan Career Center. This list is intended to give you a brief synopsis of the most pertinent information for each scholarship or award. If a scholarship looks interesting to you, come to the career center to pick up a hardcopy application (located in the money box), or if a web address is provided apply on-line or download your application using the stated web-site.
Today's update is the SAMMY 2008 - Body by Milk (the Milk Mustache) Awards and is strictly for student athletes who also excelled academically, served in leadership roles, and given back to their community (volunteer service). This is an on-line scholarship, so you will have to down load your own application; there are none in the "moneybox".
By Barb Hart, Career Center Technician
The following is a listing of current scholarship applications which are available for your pick-up in the Career Center. This list is intended to give you a brief synopsis of the most pertinent information for each scholarship or award. If a scholarship looks interesting to you, come to the career center to pick up a hardcopy application (located in the money box), or if a web address is provided apply on-line or down load your application using the stated web-site. Please note the deadlines, and that some scholarships target only a certain population.
Most of these scholarships are for seniors. Last year’s class of 2007 was awarded 127 private/corporate donor scholarships.
Compiled by Barb Hart, Career Center Technician
The following is a listing of current scholarship applications which are available for your pick-up in the Career Center. This list is intended to give you a brief synopsis of the most pertinent information for each scholarship or award. If a scholarship looks interesting to you, come to the career center to pick up a hardcopy application (located in the money box), or if a web address is provided apply directly using the stated web-site.
Please note that the deadlines are in red, and that scholarships targeting only a certain population will have the specific requirement noted in blue. Most of these scholarships are for seniors, last year’s class of 2007 was awarded 127 private/corporate donor scholarships, over and above those partial to free rides given by the various schools of higher learning to their students. Occasionally I do receive scholarships for juniors, sophomores and freshmen as well. These will be duly noted at the end of this list.
By Barbara Hart, Career Center Tech
The following is a listing of current scholarship applications which are available for your pick-up in the Career Center. This list is intended to give you a brief synopsis of the most pertinent information for each scholarship or award. If a scholarship looks interesting to you, come to the career center to pick up a hardcopy application (located in the money box), or if listed under the on-line portion of this list you can apply directly using the stated web-site. Please note that the deadlines are in red, and that scholarships targeting only a certain population will have the specific requirement noted in blue. Most of these scholarships are for seniors, last year’s class of 2006 was awarded 136 scholarships. Occasionally I do receive scholarships for juniors, sophomores and freshmen as well. These will be duly noted at the end of this list.
This is free money, so don’t be lazy.......apply for as many as you can!
By Barbara Hart, Career Center Tech
The following is a listing of current scholarship applications which are available for your pick-up in the Career Center. This list is intended to give you a brief synopsis of the most pertinent information for each scholarship or award. If a scholarship looks interesting to you, come to the career center to pick up a hardcopy application (located in the money box), or if listed under the on-line portion of this list you can apply directly using the stated web-site. Please note that the deadlines are in red, and that scholarships targeting only a certain population will have the specific requirement noted in blue. Most of these scholarships are for seniors, last year’s class of 2006 was awarded 136 scholarships. Occasionally I do receive scholarships for juniors, sophomores and freshmen as well. These will be duly noted at the end of this list.
This is free money, so don’t be lazy...apply for as many as you can!
SENIOR LISTINGS (Dates refer to filing deadlines)
GoodTidings Community Service Scholarship 11-9-06
Open to all Bay Area high school seniors. Awards will be distributed based on community service and financial need. (25 awards = $2,500 ea)
By Barbara Hart, Career Center Tech
The following is a listing of current scholarship applications which are available for your pick-up in the Career Center. This list is intended to give you a brief synopsis of the most pertinent information for each scholarship or award. If a scholarship looks interesting to you, come to the career center to pick up a hardcopy application (located in the money box), or if listed under the on-line portion of this list you can apply directly using the stated web-site. Please note that the deadlines are in red, and that scholarships targeting only a certain population will have the specific requirement noted in blue. Most of these scholarships are for seniors, last year’s class of 2006 was awarded 136 scholarships. Occasionally I do receive scholarships for juniors, sophomores and freshmen as well. These will be duly noted at the end of this list.
This is free money, so don’t be lazy.......apply for as many as you can!
By Barbara Hart, Career Center Tech
Today's update is from Scholarships.com and can be found under the on-line portiion of the list.
By Barbara Hart, Career Center Tech
Today I have posted 4 new scholarships, all to be found in the on-line section, meaning that you will have to apply or down load your applications on-line.
The four new scholarships are:
- Horatio Alger for students with a min GPA of 2.0 and an annual family income of less than $50,000.
- Ron Brown Scholars Program for Black or African American students.
- Pilot Recruiting Diversity Program for individuals enrolling in the AFROTC program.
- Chico State - President's Scholar Competition for students with high GPA's and who will be attending Chico in Fall '07.
By Barbara Hart - Career Center Tech.
The following is a listing of current scholarship applications which are available for your pick-up in the Career Center. This list is intended to give you a brief synopsis of the most pertinent information for each scholarship or award. If a scholarship looks interesting to you, come to the career center to pick up a hardcopy application (located in the money box), or if listed under the on-line portion of this list you can apply directly using the stated web-site. Please note that the deadlines are in red, and that scholarships targeting only a certain population will have the specific requirement noted in blue. Most of these scholarships are for seniors, last year’s class of 2006 was awarded 136 scholarships. Occasionally I do receive scholarships for juniors, sophomores and freshmen as well. These will be duly noted at the end of this list.
This is free money, so don’t be lazy.......apply for as many as you can!
By Barbara Hart, Career Center Tech
If you are planning on attending FIDM - The Fashion Institute of Design & Merchandising this coming Fall 2006, Mercedes Benz is offering a $20,000 scholarship to one 2006 (Fall quarter) student.
To find out more about this opportunity go to
www.fidm.com.
Four new scholarships are available for graduating Logan seniors only from the Fremont Freewheelers bicycling club, the descendents of school namesake James Logan, admirers of former Logan teacher and district superintendent Guy Emanuele, Jr., and the family of Peter Mendoza, a former student who died in Viet Nam.
