Can I afford to send him to the school of his dreams?

It’s critical to have an open discussion with your student about the family financial picture that includes a clear explanation of what you are willing and

able to pay toward his education.

Often, our kids seem to believe in the proverbial money tree in the backyard. As adults, we know this is an unrealistic view. It’s also important to explain that parental assets have to go much further than the education of one child.

Take a holistic approach to financial planning. This means that your retirement is just as important as the college educations of your children. No one child, regardless of accomplishments, should take precedence over the future
well-being of either his parents or the other children in the family.

Once your student understands what your limits are, he can then begin to mentally plan for the possibility that he may not be able to attend his dream school, and approach the college planning process more realistically. He can
still apply to the dream college, but it does leave the door open to other, more financially viable options.

Affordable Fit

In my practice, I find that when families follow these suggestions, their students tend to be much more open to colleges that are both affordable and a good fit. It can also encourage students to be more proactive in looking for scholarship

money, or make them work a little bit harder to try to attain the grades that make a more prestigious college possible.

Being realistic can also take some of the pressure off the student to go trophy hunting, rather than finding colleges that provide a good match and fit for him.

What exactly are match and fit?

Match refers to your student’s numbers and how they compare to the middle 50 percent of accepted students at the college you’re considering. If your student’s unweighted GPA and test scores fall in that range, then the college is a potential match for your student.
A = 4.0, B = 3.0, C = 2.0, D = 1.0, F = 0

Subject                                              9th Grade 10th Grade 11th Grade
English                                               B = 3.0      A- = 3.7        B+ = 3.3
Math                                                   A = 4.0     C+ = 2.3        B- = 2.7
Science                                               A = 4.0     B+ = 3.3        A- = 3.7
Social Studies                                    B+ = 3.3   A- = 3.7          A = 4.0
Foreign Language                              C+ = 2.3    D = 1.0
TOTAL                                                      16.6         14.0            13.7

Add up the results and divide by the number of courses.

44.3 ÷ 14 = 3.16 GPA (unweighted).

 Most colleges will recalculate the high school GPA to a basic unweighted 4.0 scale based only on the core subjects. To do that, you pull out the grades for English, Math, Science, Social Studies and Foreign Language,

Looking at your student’s grades from the viewpoints of the admission office can guide you in your class choices. And be sure to avoid declining GPA’s – colleges look unfavorably at downward grade trends. It’s important that your student’s grades remain above a B in all subjects if at all possible.

Fit on the other hand, refers to the social and academic aspects of the college.
• Does he feel comfortable on campus?
• Are there students there with whom he can connect?
• Does the school offer the academic environment and extracurricular options that he is looking for?

Will my daughter find a job in her field after graduation?

Note:  This is the second in a 4-Part Series about "Face Down Your Top Four College Fears & Help Your Student Succeed!"

This question requires a bit of a crystal ball and depends on a number of factors.

A primary factor is how diligently did your student look for a job both while in college and after graduation? Getting your résumé read can be challenging and dependent on factors out of the control of the applicant. But your student can enhance her chances of getting that all-important interview by:

• Seeking out and taking advantage of internship opportunities

during her college years

• Finding chances to shadow someone in the career she is seeking

• Doing informational interviews with professionals in her desired field

• Taking advantage of the college career center to keep her résumé up to date and ensure it contains the elements that will attract prospective employers

Some colleges require students to present an up-to-date résumé to professors at the beginning of every course they take. This forces students to learn the constructs of a résumé, to go through it with a career professional and
to keep it current by adding each honor, job and enhanced skill as these are acquired. If your student has not done this, feel free to call us for help.

Watch for Red Flags Along the Way

What if you don’t see your daughter progressing toward a career while she is in high school and college? First, try to determine what is keeping her from doing the things she needs to do to become independent and employable.

And try to avoid some of the well-meaning roadblocks I see parents putting in the paths of their student:

• Is she afraid of her looming independence?
• Is she concerned that she cannot make it on her own?
• Has she been given the opportunities to both succeed and to fail, or have you protected her from this?
• When you speak with her, is your focus on her intellectual growth or on her social growth?
• Is she subliminally receiving messages that your goals for her are different than those for her brother?
• Does she know how to keep a budget or do you pitch in when she runs short?

Foster responsibility by helping your high school student plan her budget, and making your financial expectations clear before your student leaves for college.

Tell her exactly how much spending money you are willing to put into
her account each semester and what you expect her to do if she overdraws that amount.  The goal, of course, is not to enable the behavior by adding more money to the account, but to expect that she will do something to earn money to offset the overdraw. There will be no advance on next semester’s deposit.

One of my students could not understand why she was not free to park in front of her residence hall even though it was clearly posted as a no parking zone. Soon after she brought her car to campus in her sophomore year, her parents began to see $10 parking tickets added to the quarterly tuition bill. After warning her of the consequence, rather than pay these fees for her, they opted to take the fee out of her next allotment.

She was incensed until she was willing to accept that the rules applied to her as well as to everyone else on campus and that she could not change them because she didn’t agree.

These are life lessons that responsible adults have to learn; without consequences, there is no growth!

Watch for Part 3 - Can I Afford to send Him to the School of His Dreams?  Our answer may surprise you!

Face Down Your Top Four College Fears And Help Your Student Succeed!

You want your student to get into a good college, have a fantastic college experience and find a rewarding career – all on an affordable budget! 

But where do you start sorting through the overwhelming steps of the college preparation and application process?  

After all, with 3,500 colleges nationwide, and tuition costs alone ranging from $23,410 a year upwards of $46,272 and up, there’s a lot at stake!

In my 20 years of work as a Certified Educational Planner, I’ve found that the top four fears that most concern parents are:

1.       If my student doesn’t know what he wants to do with his life, how can he pick a major that will lead to a solid career?

2.       Will my daughter find a job in her field after graduation?

3.       Can I afford to send him to the school of his dreams?

4.       Will my daughter incur so much debt that she will end up living at home again?

This blog post series is designed to examine each of these concerns and give parents some solid strategies to lead to their student’s success. Today's blog post will deal with the first question:

1. If my student doesn’t know what he wants to do with his life, how can he pick a major that will lead to a solid career?

Have no fear! Think back to when you were 17. Did you know exactly what you wanted to do and did your life unfold as you expected it to? 

One of the best ways to help your student identify his interests is to encourage him to think about what he is good at and what he likes to do.

Is he a hands-on learner? Does he prefer to work alone or in groups? Does he prefer to learn by doing or from practical experience? Is he more of a theory or application person? 

Simply asking him these questions won’t get to the answers you seek because teenagers, although self-involved, are not usually self-aware. What does that mean? It means that they don’t tend to think deeply about the big questions like:

·         Who am I?

·         What makes me happy?

·         How do I learn?

The best way to answer these questions is not by direct questioning, but through careful observation on your part. As you watch your son take apart the engine of the car, for example, comment on the fact that he really seems to enjoy working with his hands.

Ask if he thinks this has something to do with his desire to know how things work or more that he likes to solve the puzzles of how they are put together. When he tells you that he does not enjoy chemistry class but loved biology, ask why he thinks this might be. Is it because biology is a more visible science and chemistry more theoretical?

Does he have a facility for foreign language but has no idea what he can do with it? Point out the opportunities in our global economy for those who are multi-lingual.

Career Assessments are Useless without Feedback

One of the ways I do help my students to identify their passions is to administer the Strong Interest Inventory and, often, the Myers-Briggs Type Indicator (MBTI). Many high schools also administer a version of the Myers-Briggs Type Indicator, but they frequently don’t review the results with the student.

Career assessments without the crucial element of follow up is a waste of time for the student and money for the school district.  One student I worked with resisted taking the assessment because of his negative experience taking the MBTI on the Naviance College & Career Readiness Platform at his school.

None of the career options presented to him had rung true, or were things that he saw as leading to a successful life. No one explained to him about personality preferences (for example, one is not an ESTJ but one shows a preference for that personality style in personal interactions).  As a certified career coach, I’m qualified to have these discussions with your student over the many months we typically work together. This offers him a chance to ask questions as they develop and as he grows and matures.

Watch for our next blog post on "Will my daughter find a job in her field after graduation?"

Seven Steps on the Path to Paying for College

Are you a college senior who is receiving those anticipated college acceptance letters?  Or perhaps a sophomore or junior who is planning ahead?  Either way, parents and students need to plan ahead to determine HOW they’re going to pay for college!  

Step One:

Do the math -- find out the price of your most and least expensive school choices. Then figure out what your family can afford to contribute. Every college now has a cost calculator on its web site to see how you fit the financial profile for that school.

Step Two:

Seek help! On school tours, ask the hard questions about available aid. Visit their financial aid office and get as much information about their grants, scholarships and loans as possible. Start this process as early as you can.

Step Three:

Go scholarship hunting in your local area.  Many local organizations provide scholarships based on certain criteria either directly or through a local Community Foundation.  In Frederick County MD, for example, more than $515,000 was awarded to more than 280 scholars for the 2012-2013 academic year, which represents scholarships from 189 funds.http://www.cffredco.org/receive/scholarships

These applications should be made in the fall or winter, with awards frequently announced in the late spring. Each high school guidance office has a list of local scholarships for its students.

Step Four:

Time your financial aid applications to meet the early deadlines; if you are confused as to how to market yourself or your student, get help from a college consultant.

Step Five:

Complete your FAFSA forms! Even if you think you may not qualify for money, it can’t hurt to try. In addition, everyone needs a FAFSA on file in case of financial emergency in the future.

Step Six:

After you get your financial aid packages back, it’s time to review! Sit down as a family and compare all options.   Look carefully at each award. Even though one school may give you more money, another school may cost less overall. Remember to calculate how much money is being offered in merit aid (free money) as opposed to money that is in the form of loans or work study.

Step Seven:

Make a decision and meet all the deadlines! If you need more time to decide, call the financial aid office and ask for an extension on your deadline. Some colleges are historically more generous than others. A college consultant knows who those colleges are.

For more information on financial aid options and affordable but lesser-known colleges in your area, contact Charlotte Klaar, PhD, 301-834-6888, Charlotte@cklaar.com, www.cklaar.com.

From Freedom of Expression to Fitting into a Box; Changes in the Common Application

Students planning to apply for school in the Fall of 2014 may get an unpleasant surprise. While previous students have uploaded long and creative essays, the class of 2014 will be held to a 500 word limit in their personal statements which are cut and pasted into a box on the Common Application.

The new changes will limit the amount of creativity students are able to show a prospective school.  In previous years, students could exhibit their personalities through longer stories and additional elements such as photos and math equations using the .doc or .pdf format in uploaded essays.

Additionally, the “topic of your choice” question will be removed from the common application, so students who once demonstrated their uniqueness in that question will have to find another way to think outside the box.

Charlotte Klaar, PhD, founder of Klaar College Consulting, recommends that you:

·         Find new ways to be creative in your application. Use an interesting quote, make a bold statement, start your essay with a question and/or have a memorable ending to your essay by using emotion to capture the reader’s attention!

·         Include activities that showcase your best you!

·         To avoid spelling mistakes, write all essays on a Word document, then copy and paste it into the application. Don’t depend on spell check!

·         Always review your applications before sending them in.

For more guidance on high school courses and activities, finding a college that’s a good fit, financing, deadlines and more, call Klaar College Consulting, 301-834-6888. Charlotte@cklaar.com.

Make Peace with Your College Decision. Don’t Second Guess Yourself!

You’ve already paid your deposit and know what school you will be attending in the fall.  Celebrate, it’s a big accomplishment!  But now perhaps you’re having second thoughts about whether you really did select the right school?  Relax -- it’s normal for students to wonder if they made the right decision.  But don’t second guess yourself.  You chose the school you did because you did your homework and thought it would be a good fit for you.  Make peace with your decision. 

Going to a new school is scary, especially if it’s far from home.  Some of you may be going to college with friends, while others may not know anyone.  Either way, don’t be afraid to step out of your comfort zone and meet new people.  Remember, all freshmen are in the same boat as you and are looking for new friends and new experiences.  Plan to give it your best shot, and before you know it you’ll be loving college.

If things don’t work out, transferring is always an option.  Your college advisor can help you identify which credits will transfer into another university.

But for now, enjoy your summer and make the most of it.  Soon enough you will be on your way to college and opening a new chapter of your life.  I wish you the best of luck!

Charlotte Klaar, Ph.D.

Junior Year and the Dreaded College Search

Now is the time to start planning for your college career!

Junior year is known for beginning the college search and preparing for the search and application process.  It can all seem daunting, so here are some tips to help make your junior year more manageable:

Narrow down potential majors

Talk with your guidance counselor and schedule a time to take career tests and assessments.  These can be very useful in identifying your strengths, narrowing down your interests, and pointing you toward possible career paths.

Attend college fairs

College fairs are a valuable resource to gain additional information about a wide variety of colleges.  There will be admissions representatives present for each college, so it is a great way to ask questions and learn more.  For more information about college fairs, read my blog post College Fairs- Helpful Hints to Help Your Child Stand Out.

Create a list of colleges

Create a list of colleges that you are interested in; try to keep the list between 10-15 colleges.  When creating your list, don’t forget to consider important criteria such as: majors offered, location, public vs. private, financial aid options available, demographics of the campus, size, tuition costs, housing options, extracurricular activities, student-faculty ratio, etc.  

Visit colleges before applying

Schedule college visits before applying.  Even if you plan to go on a scheduled campus tour, plan your visit so you can also explore the surrounding community.  Don’t be afraid to ask questions; make a pro/con list of each school so that later you can accurately -recall details of each campus.  The college will be your home for four years, so you want to make sure you will feel comfortable there. 

Colleges monitor students’ interest in their school.  Not only will visiting the schools help you narrow down what you want in a college, but it will show the college that you are interested in them as more than a backup or safety school.

Get to know your teachers

Colleges require students to submit letters of recommendation along with their admissions application.  Get to know some of your favorite teachers.  They will be a valuable resource when it comes to asking for letters of recommendation.

Grades

If you have a low GPA it’s not too late to turn it around.  Colleges look at trends in your GPA, so if you have slacked off, you still have time to show colleges that you’re taking your education seriously.  If you do very well your junior and senior years, colleges will notice your efforts.  

Don’t forget about standardized tests

Deadlines for standardized tests are fast approaching! Make a timetable for SAT/ACT.

March 9^th is the deadline for the ACT http://www.actstudent.org/

April 6^th is the deadline for the SAT so begin thinking and studying for the SAT http://sat.collegeboard.org/home

Begin to prepare for AP exams.  Remember you can get college credit, so the time you spend studying for the exam could save you from taking a course in college.  Put forth the effort now and it will pay off in the future.

There are many study guides available to help you prepare for all standardized tests.

Begin thinking about senior year course selection

Consider taking upper level courses such as Honors, AP, and community college courses.  AP courses and classes at your local community college are great ways to earn college credits.  It shows colleges your intellectual curiosity and dedication to hard work.

Plan for summer

Start planning now so you can make effective use of your summer.  Begin to think of possible jobs or internships and schedule additional college visits.

Here are some additional resources for high school juniors.

The College Board’s action plan for juniors: http://www.collegeboard.com/student/plan/action/juniors.html

College Fairs- Helpful Hints to Help Your Child Stand Out

This spring, your college-bound students may be attending a number of College Fairs.  This can be a wonderful opportunity to get acquainted with different colleges, many of whom may not be familiar to your high school child.  Unfortunately, students are often not given the tools to properly navigate these events, and may miss out on a valuable opportunity to make an impression on an admissions representative.

I was recently involved in a College Fair, and was surprised at what I saw and heard.  Help your child prepare, so he or she maximizes the college fair experience.  Below are some valuable tips:

1. Plan Ahead: Your child should go to a college fair with some idea of what kind of college would be a good fit for him/her.  Look carefully at the list of colleges who will be present at the fair.  Narrow down the list and prioritize the college booths that your child will visit and make his/her interest in that college known.

Use this opportunity to have at least a preliminary discussion about size, location, campus environment and other factors which are important in the decision.  Have your child do some Internet research on the colleges present at the fair and use this information to round out the list.  The effort you make researching prior to the college fair will show off when speaking with the admissions representative.  Make the best impression possible!

2. Dress Appropriately: This is your child’s chance to make an impression on the admissions representative taking part in the fair. Think about how you would recommend that your child dress for a college visit to his/her first choice school. That is exactly how he/she should dress for the college fair.  Dress to impress!

3. Speak Intelligently: If your child has done the research on the schools to be visited at the fair, use that information to impress the representative.  Ask intelligent questions about the school, its environment and students.

4. Take Notes: Your child will be speaking to many different college representatives, which can be overwhelming.  All the colleges will blend together by the end of the night.  Encourage your child to take notes after each booth.  Having notes to review later will prove to be very helpful.

5. Don’t Travel in a Pack: Assure your student that this is his/her chance to shine and to gather information. This is done much more effectively if your child is alone with the representative, rather than approaching with an entourage. It is particularly not a good idea for your child to approach a college booth with his/her significant other draped all over him/her.

6. Gum: Get rid of the gum! A person looks more adult and is more easily understood without a mouthful of gum.

7. Go as a family: Most college fairs offer evening hours, which gives you the opportunity to attend the fair with your child. This will impress on your student that, although the choice and process belongs to him/her, you will be there to act as a coach and cheerleader. Encourage your child to ask questions and be sure that you don’t undermine his/her confidence in front of the admissions reps.

College Fairs can be very informative venues. Don’t only focus on the colleges whose names you know. There may be some hidden gems in attendance that would provide your child with just the right fit.

Try to put aside notions such as ‘party school’ and to ignore the person you know who attended a particular college and was not happy. Remember that any school is a party school if that is what your child is looking for.  Your child is unique and what did not suit someone else may be perfect for him/her.

Senioritis... the Disease College-Bound Students Should Avoid

Already accepted to college? Beginning to lose interest and focus in school? Be careful not to catch senioritis!

Senioritis- a disease effecting high school seniors, especially during second semester; identified by laziness, lack of focus, repeated absences, and a strong desire to graduate.

Senioritis can sneak up on you faster than you think! Here are some tips we give students for avoiding this dread condition: 

Take a strong course load

Don’t take a relaxing course load just because you can. This is your time to shine!  Many high schools only require three years of all the basic subjects (math, science, history, etc.) and four years of English.  Go above and beyond and take a fourth year of the quality courses.  Try to avoid taking study hall or three different gym classes to get out of studying your senior year.  Admissions officers view the hard work and dedication you put forth late in the game as a good indicator of how you will perform in college.

Grades matter

Use your senior year effectively.  College acceptance is based on senior year performance. 

Colleges look at your grades for the first three years of high school.  What many students don’t realize is that grades during their senior year are just as important!  Colleges require you to submit your first quarter, mid-year, and end-of-year grades.  If you have a downward trend in your grades, colleges will notice and take that into account in determining your ultimate acceptance, your financial award, and whether you acceptance is rescinded.

The college application process is competitive and there are many students on a wait-list ready to take your spot.  Your grades senior year can make or break you.  Don’t become a red flag and give colleges a reason to revoke your acceptance.

Tired of high school classes?

Take a course at a local community college.  This is a perfect way to demonstrate your intellectual curiosity, plus you can earn college credits in the process.  Not a bad deal!

Time Magazine also has a great article about combatting senioritis: http://www.time.com/time/magazine/article/0,9171,1191831,00.html  

Why Should You Consider Hiring an Independent Educational Consultant?

Independent Educational Consultants bring a wealth of in-depth information to the college choice and application process that families often forget about as they begin to  make decisions for their students. We are professionals who spend a great deal of time actually walking college campuses and speaking with admissions counselors so that we can keep our fingers on the pulse of the industry. A good college consultant can help separate what is marketing on the part of a college and what is truly important to the choice your student will make. A college consultant will conduct an in-depth review of the student’s academic record, standardized test scores, activities involvement, and special talents that the student brings to the table. In addition, the consultant will spend the time necessary to get a real handle on what both the parents and the student want from the college experience. 

To choose the right college consultant for your family you should look carefully at the credentials that the individual offers. First and foremost, the consultant should be a professional member of the Independent Educational Consultants Association (IECA), a member of the National Association for College Admissions Counseling (NACAC) and be actively involved in the work of one or both organizations. If you can find someone who is also a Certified Educational Planner (CEP), you have hit the jackpot of professional accreditation and a person who subscribes to ethical standards of conduct that place your student at the center of the process. Choosing a college is about fit and match; it is not trophy hunting. An ethical and reliable consultant will know what schools are a good fit and will help the student develop self-awareness and to be empowered in the process. More and more colleges, both public and private, are beginning to understand that students who use a consultant are more likely to complete a degree at the college where they started than are those who conducted the process on their own. Therefore, using a consultant can result in parents spending a lot less overall to educate their student. If you don’t transfer, you don’t lose either time or credits, both of which cost a great deal of money.

The investment in a well-credentialed consultant offers protection for your academic dollar. While consultants are not inexpensive, neither is the amount you spend on tuition, room and board, and peripheral expenses for the student. You would not think of buying or selling a house without a good realtor to protect you. Why would you spend between $100,000 and $200,000 on a college education without having professional  help that is focused on your student?

 

High School Students: Time to Get Back to Work

Summer is over and it is now time to get back to school. No matter what you have done in previous years, this is an opportunity to reinvent yourself and become the student that you want to be. As you get closer to graduation, you need to begin thinking about college or a job. That means that it is time to grow up and recognize that your parents will not be there to hold your hand and fight your battles for you. What you have learned and how you approach your responsibilities will determine the college who will accept you, the job you will get, and the success you will have. No one else can do that for you or shield you from the realities of life. Knowing this should encourage you to begin to do your best work, take the most challenging classes, take your work seriously and, most of all, feel the thrill of success that you know you have earned.

If you are a high school senior, it is not too late to find a college that will want you. There are many great colleges that will help you learn and grow. If college is your goal, don't let anyone discourage you from trying no matter what your high school record looks like. There are schools that will help you get the education you want, if you are willing to do your part. We are here to help you find the college that will fit your style and your family finances. Don't give up the dream!

New Educational Consultants

I just spent a week teaching for the IECA Summer Institute. I have volunteered to do this for the last 12 years and continue to find it one of the most gratifying weeks of the year. Not only does IECA provide a comprehensive and informative curriculum to the new or soon-to-be educational consultants who come each year, but my colleagues on the faculty bring consistently new perspectives from which I continue to learn even after having spent 15 years in this business.

The one thing that I come away with each year is the knowledge that this profession is going to be in good hands when those of us who have practiced for a long time are gone. Those seeking to follow in our footsteps are ethical, eager to learn professionals who understand that what we do is about the best we can provide to the students we serve. For college consultants, like me, that is all about fit and match and not at all about trophy hunting. At times, it is educating parents about how to subjugate their own needs and desires to what is best for their child. It is always about helping students develop self-awareness and self-advocacy skills which they will carry with them for the rest of their lives.  As my own practice has grown and changed over the years, those two facets of my work remain unchanged.

After all these years of working only with students and their families, I now have branched out to providing consulting support to other educational consultants. I have garnered great satisfaction teaching new consultants through my work with IECA, UCLA Extension, and UC-Irvine Extension and am now responding to the requests of many over the years to give more hands-on assistance for a fee to those newly in practice. Will I ever stop my volunteer efforts to educate those new to the profession? Not as long as I am given the opportunity to do so. This newer venture will allow me to give more time to those who feel that they need more.

I am confident about the future of our profession and am thrilled to be able to help shape this future by working with those who will follow me when I am no longer practicing.