Know the terms (i.e. repayment, interest rates) and possible consequences of taking student loans for college–essentially bringing future income into the present. (FYI: colleges are not obligated to disclose the terms of the loan BEFORE accepting them as part of a student aid package. Students MUST ASK. Also, students are not forced to accept student…
Author: Jill Yoshikawa, Ed M, Partner of Creative Marbles Consultancy
Jill Yoshikawa, EdM, Harvard ’99, a seasoned, 25 year educator and consultant, is meticulous in helping clients navigate all aspects of the educational experience, no matter the level of complexity. She combines educational theory with experience to advise families, schools and educators. A UCSD and Harvard graduate, as well as a former high school teacher, Jill works tirelessly to help her clients succeed.
Reverse Study Abroad: International Students in the U.S.
Before choosing a college in the U.S. understand not only the educational and academic experience, understand the social environment of the university and its location. Understanding how the local community will support and incorporate international diversity can help students transition and focus on their academic pursuits. U.S. students consider the same issues when choosing colleges…
ACT & SAT Test Prep is Not Like Studying for a Regular Test
Preparing for the ACT or SAT is two fold: content review and building test taking skills. The ACT and SAT are unlike other tests students regularly take for high school classes. For example, rarely does a math or science teacher give a multiple choice exam, so students need to be familiar with solving math problems…
Working With Financial Aid
Financial aid from the university doesn’t work like mom & dad’s checkbook. Although mom & dad may share their concerns, generally they’ll continue sending money when kids ask or need. However, financial aid offices may not be so lenient.
ALERT: Common App Change for Counselor Recommendation
The Common Application is allowing counselors to opt out of submitting a personal recommendation, as part of the Secondary School Report (i.e. the Counselor Recommendation) for Fall 2013 applications. Why is this change significant?
When a Letter of Recommendation Isn’t Just a Letter of Recommendation
Now, that school’s back in session (or about to be back in session), and the excitement of choosing colleges for application can be wearing thin (given that everyone who discovers or knows you’re a senior is asking where you’re applying), so what’s next? Well, parents, since about July have been asking us about letters of…
How to Make the Most of A Campus Tour: Creative Marbles in Chicago
All colleges have basic features: classrooms, residence halls and dining commons, people. How education happens at a college depends on history and culture (i.e. the attitudes, beliefs and values–which can be shaped by history.) Exploring colleges from multiple perspectives–academics, social life and the culture–will help students and parents make more confident choices about where…
“Why Do You Want to Go To College?” Has New Meaning
“How do employers look at college names?” is a typical question parents ask us, when trying to narrow their senior’s choices for application. Two meanings emerge from this question: What’s the value of a college degree? How, if at all, is value different for different colleges? The value in college question will be answered differently…
Changes to Subsidized Direct Student Loans for Fall 2012
For Fall 2012 and future Fall 2013 Subsidized Direct Loan Borrowers: The Federal Government will no longer withhold interest during the six-month grace period before loans go into repayment. According to Federal Student Aid, “the interest will be capitalized (added to the principal amount of your loan) when the grace period ends.” Borrowers do not need…
“We’re Not Going to Get Any Financial Aid”
Financial aid from a university (you know the kind every family wants) is separated into two forms: need based aid and merit aid. Need based aid is the one that families–typically professional, middle/upper class families, comfortable, yet not abundant in extra cash–worry about being qualified to receive.
Who’s Choosing Transfer Admissions?
The students who choose transfer admissions over starting at a 4 year college right after high school graduation is changing. While money has been a factor in choosing transfer admissions in the past, it’s been more like, “Well, Junior doesn’t know what he wants to do (i.e. declare as his major or job he wants…
Guilt? I Didn’t See that On My College Bill
Without understanding the value of a college degree, students can sense, what they often term, “guilt.” They may not confidently understand why their families, and increasingly themselves (in the form of student loans), are paying the thousands of dollars (and rising each year) that a college degree costs. Listen to the following podcast, featuring Julie…
CA College Tuition = UP; College Value = ?
California ranks among the top five states in the nation for the greatest tuition increases in their public universities. (Wall Street Journal, 8/14/2012) Not only do current UC students face a possible additional 20% increase mid-school year, if the November tax increase does not pass, the budget reductions can mean more cuts to courses…
Guest Post: Study Abroad from a Parent’s Perspective
By: Lisa Dalton, parent of a senior at the University of Oregon, and sophomore at Washington State University CMC Note: There are alternatives to “studying” abroad, including service projects that many universities arrange, as well. _______________________ If you are in the midst of college tours with your high school senior, or you have a student…
College Tuition: Is a Private University Always More Expensive than Public?
According to the Wall Street Journal and the College Board, public university tuition is rising faster than private universities around the nation. “In-state residents at four-year public schools, tuition and fees are up 25.1% from the 2008-09 academic year; over the same time period, tuition and fees at private universities rose 13.2%.” While public universities…