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How to Stay on Track with College Prep Plans During COVID-19

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I’m an optimist by nature, and have been trying to make the best of the current worldwide COVID-19 crisis. While my empathy extends to all nations, my main focus is on the United States. Within America, my special interest is high school and college students and how this crisis has upended their academic and everyday social lives.


The situation for college students is not only academically disruptive but also financially confusing. Matters of tuition, room and board, and fee refunds are in various stages of settlement. Some collegians were swept out of their dorm rooms with mere days of notice. Some had to evacuate without being able to secure their belongings and had to scramble to find transportation home. Some international students couldn’t make the journey home. It has been an unprecedented time on campus.

My focus today, however, is on high school students who have been separated from their classrooms, teachers and friends. College-bound seniors who have received their admission decisions are now trying their best to make enrollment decisions without the advantage of physical visits to prospective campuses. Touring a college via the internet is far from the enjoyable reality of “trodding the sod” in person. Not being able to merge with current students is also a big disadvantage.

Juniors — and even sophomores — who are working on their long-range college plans have also been hit with challenges. Some of their best-laid plans have, at a minimum, been put on hold as they find themselves sitting at home dealing with the brave new world of online classes. As the COVID-19 situation evolves, some experts are predicting a long haul that may possibly spill into the coming school year. Let’s hope that doesn’t happen.

Stay Mindful of College Prep Progress

So, what’s a high schooler to do during this strange time of isolation? Some excellent answers came to me this week from Stacey Kostell, chief executive officer of the Coalition for College, a diverse group of public and private colleges and universities across the US working to improve the college application and admissions process and promote access to higher education. She sent me a valuable narrative entitled Staying on Track for College During COVID-19: How high school students can use time out of school to build strong college resumes, and gave me permission to post it below. If you’re a high schooler headed for college, please read and learn. Here’s what Stacey wrote:

The early years of high school are critical for building strong college resumes.

For many students, every decision from course selection to cocurricular involvement to volunteer experiences is made with college applications in mind. This year, coronavirus concerns have upended the process, leaving many students — especially juniors for whom this year is indispensable — worried about how school closures will affect their college plans. Despite all the uncertainty, anxiety and limitations, the COVID-19 pandemic also offers new opportunities for students to build strong and creative college resumes. Here’s some advice for high school students wondering how best to prepare for college when traditional pathways are unavailable.

Seek Early College Planning Resources Online

College planning tools have been available online for years, but now it will be more critical than ever to seek them out. The Coalition for College has lots of articles and information about the college process, and also offers a free “Locker” space to help students keep track of school work, extracurricular involvement and accomplishments as early as their first year of high school. RaiseMe is another great resource for younger high school students that also offers microscholarships to students beginning in ninth grade. For access to things like free test prep, check out Khan Academy. And for a wealth of information on scholarships, consult the College Board Opportunity Scholarships program.

Colleges and universities are also moving many resources online during this time, including virtual tours and information sessions. “Sophomores and juniors might consider using these resources during spring and early summer to narrow their college lists,” says Mary Wagner, assistant vice president for enrollment management at the University of South Carolina. “They are free and easy ways to get a quick sense of a college’s vibe, and they don’t require travel.” Students can find information about programs like these on admissions websites.

Plan Ahead

Students should make adjustments to next year’s schedule as much as possible in the coming weeks, while also being mindful of the fact that guidance counselors and teachers are working overtime right now to address urgent issues. So, although now is not the time to bombard them with questions and requests about the fall, students could use their time to research the curriculum requirements for their top colleges and plan what courses they may need to include in their schedules for next year. That way no time is wasted when school administrators are ready to help with course selection. High school juniors should pay special attention to the rigor of their classes for next year. While it’s tempting to take a lighter load as a senior, next year will be different, and colleges will want to see that students are making the most of a difficult situation and are motivated to challenge themselves when school resumes.

It’s also a good time to review plans for taking standardized tests, as both test schedules and schools’ requirements are changing. A number of schools are announcing plans to adopt a test-optional policy, which would allow students to choose whether they would like to have their test scores considered as part of their review for admission, including Indiana University, which will make this shift in August 2020. It’s a change, says David Johnson, vice provost for enrollment management at Indiana University, “that might support students who will not be able to retake a canceled standardized test in the coming months.”

Keep a Journal

Many teachers and other experts are encouraging journaling as a way to capture some of what we’re all experiencing and feeling. We are all living through an unprecedented global event, which has drastically altered our lifestyles for now—and could potentially change the course of many lives completely. It’s the kind of experience students may choose to reflect on in college essays. Having access to thoughts and emotions in the moment will be useful during the writing process, and it may help students through the uncertainty we’re all going through right now. Remember that “journaling” can take many forms. Social media posts, videos and other methods are also good ways to document emotion.

At the same time, keep in mind how many future college essays will likely focus on this topic, says Audrey Smith, vice president for enrollment at Smith College. “Consider carefully to ensure your reflection is distinguished from others.” No matter the topic, Smith says, “One piece of advice we like to give students about their essay is to start early. Now is a great time to start taking notes and capturing your topic with lots of detail, which will help bring your writing to life. By doing this work now, you’ll have given yourself the gift of time for editing and gathering feedback later on.”

Use Extra Time Creatively

With school, activities and events canceled, students are likely finding themselves with a lot of extra time on their hands. How someone uses this time could help differentiate them from peers when it comes time to apply for college. Consider learning something new — how to knit, speak a new language, bake a pie from scratch, play the guitar, change a flat tire, or build a website. Students should think creatively about how to use this time to their advantage, and know that they can always add new hobbies and interests to the activities section of their college application.

“But even under normal circumstances, colleges do not expect all students to be able to fill time away from school with academic work or specific extracurricular activities,” says Veronica Hauad, deputy director of admissions at the University of Chicago. “We recognize that many students have significant responsibilities at home and will be called upon to do even more at this time. Take extra care of yourself and of those around you, and know that we are here to help in any way that we can.”

Remember, We’re All in This Together

College admissions professionals know this year represents unprecedented challenges and anomalies for students, widening equity gaps, new financial challenges, fewer conventional opportunities and more. They’re experiencing it too, with their own jobs and families, including school-age children. So, they get it. And they’re planning now for the fact that some high schools will move to pass/fail grading systems, testing schedules for IB exams and SATs are shifting, and many students will have large holes in cocurricular activities for this year. The good news is that admissions officers are trained to consider the context of the environment students are in when reading applications. They will work hard not to penalize students for situations beyond their control.

“We’ll all remember where we were when corona hit,” says James B. Massey Jr., director of undergraduate admissions at the University of Maryland. “We’ll be encouraging students to make the most of the open-ended questions on the application that give them a chance to tell us more about how the pandemic affected their curricular and co-curricular activities. We want students to be honest with us and to share how this affected them and their overall student experience.”

The COVID-19 pandemic has impacted students in extraordinary ways, but it is a temporary situation. The next few months provide time to ensure that college plans aren’t derailed and that students can continue forward momentum to make their colleges goals a reality.

Great advice. Stay safe and be alert for opportunity, even during adversity.

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By: Dave Berry
Title: How to Stay on Track with College Prep Plans During COVID-19
Sourced From: insights.collegeconfidential.com/juniors-plan-college-admissions
Published Date: Thu, 09 Apr 2020 14:17:08 +0000

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Apply Online For Student Loans

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Apply Online For Student Loans

Applying online for student loans is a convenient and efficient way to secure funding for your education. Whether you are facing financial difficulties or simply want to keep your debts to a minimum, student loans can help alleviate the financial burden while you focus on your studies.

One of the main advantages of student loans is that they typically offer lower interest rates compared to other types of loans. Additionally, repayment is often deferred until after you graduate, giving you time to establish your career and increase your income potential.

By applying online, you have access to a wider range of lenders, allowing you to compare different loan offers and choose the one that best suits your needs. Look for lenders offering competitive interest rates, flexible repayment terms, and any additional incentives that may be available.

Student loans can be used to cover various expenses related to your education, including tuition fees, housing, course materials, and living expenses. While your personal bank may be willing to provide a student loan, applying online gives you more options and potentially better terms.

However, it’s important to remember that student loans are still loans, and you should borrow responsibly. It’s advisable to budget regularly and avoid unnecessary purchases or luxuries to ensure you can manage your loan repayments in the future.

Before applying for student loans, explore other options such as scholarships, grants, or parental funding. These resources can help reduce the amount you need to borrow and minimize your financial obligations.

Lastly, it’s crucial to have confidence in your ability to secure a salary that will enable you to meet your loan repayments after graduation. Work hard to achieve the grades and qualifications necessary for your desired career, as this will increase your chances of finding a well-paying job.

In conclusion, applying online for student loans can provide you with the financial support needed to pursue your education. However, it’s important to borrow responsibly, explore other funding options, and plan for a successful career to ensure you can manage your loan repayments effectively.

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Webinar Recap: How COVID-19 is Affecting Financial Aid

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Many families are facing new financial challenges in light of the coronavirus emergency, and College Confidential has fielded dozens of questions on this topic recently. To address those queries, we hosted a webinar on April 9 entitled “Paying for College Amid Changes Due to the Impact of COVID-19.”


During the event, moderated by Aaron Murphy, manager of learning and development with Inside Track, the following panelists offered their perspectives on the issue:

  • Denise Trusty, director of financial aid with Morehead State University
  • Laura Reisert Kalinkewicz, associate vice president of college partnerships with RaiseMe
  • Amy Nelson, director of sales at International Scholarship and Tuition Services
  • Charlie Javice, founder and CEO of Frank.

Check out the following topics that the panelists discussed, along with their views of how things may unfold amid the financial challenges brought on by the coronavirus outbreak.

Family Finances Changed? Contact Your Schools

If you plan to start college in the fall as a freshman — or return to school as an existing student — and your financial situation has changed since you applied for financial aid, you should contact the colleges on your list immediately. Financial aid departments can consider appeals for more money, but must base these decisions on each individual student’s situation, Trusty said.

“I know with Morehead State, where I work, we will be doing professional judgement calls on all students who say they’ve been affected,” she noted. “We will reach out to those students to see what we can do to help them maybe obtain additional funding, additional grants, scholarships, whatever they would be eligible for. We do professional judgment all the time for our students, because things happen all the time. This year will be an especially large amount of those, I’m sure, but those are up to individual schools to make that call for their students.”

In addition, she added, the Department of Education has set aside over $6 billion for additional grants and scholarships that the universities will be able to use. “Currently, I don’t know how that’s all going to play into this,” Trusty said. “So that will be up to each individual university on how they lay those out. I know it will be beneficial, I just don’t know how available that will be to each student.”

Keep in mind that schools are accustomed to reviewing financial aid appeals, and they all have processes in place for to do so. “It is really, really important to know that schools typically leave a budget from 10 percent to 20 percent or so of their financial aid dollars for what would be called a professional judgment bucket,”Javice said. “Therefore, there is additional money to be had, and it’s up to you to request it. You should approach your school as soon as you know you might need more money, and be prepared to show supporting documentation demonstrating how your finances are different from when you filed your FAFSA initially. This might require proof of a job loss, medical bills, a cut in pay or another such issue, Javice said.

In addition, if another school gave you a better financial offer, you can petition the school that gave you the lower offer for more money, Javice noted. “This typically works better for private institutions versus public state schools, given the fact that they have a little bit more discrepancy and more dollars to put to work in terms of a tuition discount,” she added. “This is solely up to the school on a case by case basis.” In some cases, the money is distributed on a first come, first serve timeline, so don’t wait if you know you need more aid.

Although financial aid can be a stressful topic, try not to be emotional when you request more money, Javice added. You’ll get a lot further by having organized documentation to present than you would by getting angry or upset, she noted.

Consider Outside Scholarships

The coronavirus situation has changed plans not only for incoming freshmen, but also for current college students, Nelson said. “Organizations are stepping up and trying to find ways to provide additional scholarship opportunities this year,” she noted. Students should be proactive in seeking those options.

Raise Me is offering new micro-scholarships for students who are seeking additional funding sources, Kalinkewicz said. In addition, she encourages students to ask colleges for more time to make decisions, even if the school hasn’t extended its deposit process. You can always try and request additional time to get your financial aid package right, she noted.

Finding more money is not relegated to younger students, Javice added. “Adult learners comprise the biggest group of people actually going to college today,” she noted. It’s very common for people to be seeking new types of skills and going back to college to gain additional degrees. Financial aid is available to adult learners, and they may even get aid to pay such costs as rent, she added. In addition, they can seek outside scholarships or employer-matching funds to pay for their educations.

Not Necessarily Too Late to File FAFSA

Students who didn’t file a FAFSA already should do that as soon as possible so you can get access to financial aid funds, Javice said. Federal FAFSA deadlines are usually in June, but states make their own deadlines for state aid. Some states, such as New Jersey, have moved their deadlines back for this year, so check to make sure you stay on top of your deadlines.

And if you file for financial aid and you decide you don’t want it, you can always decline the financial offer or portions of that offer, Nelson said. Your best bet is to apply so you can take what you need and decline any amounts you don’t need. Even if you don’t think you qualify for financial aid, you should apply anyway because you could be surprised at what you’re offered. “You really need to complete that [FAFSA] process every year,” Nelson said. “The process is very easy, and jobs can come and go. It’s your safety net and you want to make sure you’ve completed it. It makes it a whole lot easier when situations like this arise.”

Some colleges also have supplemental applications to fill out for particular types of aid, so always reach out to your financial aid office for information on which documentation you should be completing, Kalinkewicz said.

Could Families — Not Schools — Be in the Driver’s Seat?

Because many merit scholarships are based on test scores and GPAs, some high school juniors are concerned that they won’t have access to those in the coming year. With test dates being canceled and grades moving to pass/fail, they fear they won’t meet the criteria to earn such scholarships.

“It’s clear to me that colleges and universities know the extraordinary circumstances we’re under,” Nelson said. “All schools are leaning forward and considering all options as the situation develops. I would continue to encourage juniors to stay engaged and stay informed.” You should also watch to see what happens with test dates, she said. The ACT and SAT dates could change, and some schools may forego the need for a test score altogether, she added.

In addition, some merit scholarships that have traditionally been based on test scores may become test optional, Kalinkewicz noted.

Keep in mind that in many cases, families are in the driver’s seat rather than having the colleges be in charge, Javice said. Some schools have lost revenue and are very eager for students right now, “so if you are scared because you thought you could never get into a specific school from an admission criteria standpoint, this is your year to stretch, this is your year to think about the schools that are your reach category and go for it, because schools need the money and need the students. So the power that used to be in an admissions office is in you, the student or the family’s hands,” she said.

She also advises juniors to request application waivers from schools to save the $50 to $100 or so per application that they would normally pay. The schools may say no, but it won’t hurt to ask, she advised. “Persistence is key when dealing with schools,” Javice noted.

Federal Student Loans Payment Suspended

As many families are aware, payments on federal student loans are automatically suspended from March 13 through September 30, 2020 thanks to the government’s CARES Act. This is essential to keep in mind, particularly for families that have multiple children in various stages of the college process.

“You will stop paying your loans and you will have zero interest from now until September 30, and that’s important for parents to know,” Nelson said regarding existing federal student loans. “If you had an auto draft, the auto draft has been shut off and will not continue. You can, however, continue to make those payments if you’d like, and any interest you had before March 13, once that interest is paid up, all your payments will go directly toward your principal.” She advises families with federally-backed loans to check with their loan servicing agents, because they have a lot of information for both parent and student borrowers on how the CARES Act will impact payments for the next six months.

Student Job Gone? Colleges Might Help

For students who expect to earn money via part-time or full-time work to pay for college, but can’t do so due to the coronavirus, colleges may have resources to help. “There are many colleges and universities that have put together emergency grants for students to cover expenses that they were maybe not expecting because of COVID-19,” Nelson said. “They are making accommodations to try and make up for that lost income for students.”

Trusty said Morehead State is continuing to pay students who were on federal work-study. “If they had a job, we are still paying them right now as if they were working, although they are not. In the summer, those funds will be flipped over to emergency grant funds. So we will make sure that our students are covered and can live as if they were employed with the work-study position.”

Some colleges have even made remote work available to students, Kalinkewicz added. Therefore, contact your financial aid office to determine if any accommodations are available to make up for lost student income whenever possible.

Consider Other Options to Save

If you are seeking ways to save money on college, you should also consider other resources, whether that means less expensive colleges, in-state options or potentially transferring down the road, Janice said. You can also save money by taking classes at a community college to pay a lower cost for your credits that can be transferred to a four-year college later.

“If you have that target institution in mind — maybe you’ve already been admitted there but your family has determined a year of community college will really help stretch things further — work on articulation agreements or a plan so you are taking the right classes that actually have the ability to transfer toward the degree you want at your target institution, not necessarily just as credit,” Kalinkewicz said.

In addition, many colleges offer merit aid for transfer students, she added. So always look for every potential financial aid and scholarship resource to best maximize your package and allow your dollars to stretch as far as possible.

Resource: To review the entire hour-long webinar, you can watch the replay here.

Share Your Thoughts

We’d love to hear your thoughts on this topic. Check out our forum to contribute to the conversation!

By: Torrey Kim
Title: Webinar Recap: How COVID-19 is Affecting Financial Aid
Sourced From: insights.collegeconfidential.com/financial-aid-amid-covid-19
Published Date: Fri, 10 Apr 2020 15:22:20 +0000

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