OPPORTUNITIES Oregon 2019-2020

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OPPORTUNITIES Oregon 2019-2020 Preparing for College Guide & Workbook OR OPPORTUNITIES oregon 2019-2020 PAGE Estimating your PAGE Tips for completing PAGE Finding scholarships 13 college costs 18 the FAFSA 21 Updates to this book While every effort is made to keep this book up-to-date, program OPPORTUNITIES requirements are subject to change. For complete information regarding specific programs, contact the organization responsible for administering that individual program. General information The U.S. Congress frequently considers legislation that could Oregon information change some of the provisions of the federal student financial aid programs. If changes are made, a description of these changes will be posted on www.ecmc.org. How going to college can change your life 2 Paths to higher education Availability in spanish 3 Preparing for college To order copies in Spanish and/or download a PDF, visit Choosing the right college www.ecmc.org/opportunities. 5 W orksheet: Choosing the right college Para ordenar copias Español y/o descargar un PDF, visite The college application process www.ecmc.org/opportunities. 7 Entrance exams 9 Submitting your college applications For administrators and counselors 10 Worksheet: Organize your application information This book is a resource for you to share with students. To order Navigating financial aid free copies of this book, go to www.ecmc.org/opportunities. 11 Your college costs 14 About the FAFSA About ECMC 18 Checklist: FAFSA 19 Federal financial aid: Grants, work-study, and loans Educational Credit Management Corporation (ECMC) is a 21 Scholarships nonprofit company with a mission to help students succeed. 22 Scholarship scams We work to lower student loan default rates; sponsor college 23 Your rights and responsibilities access and success initiatives, and financial literacy programs; The final decision and provide resources to support student loan borrowers to successfully repay their loans. 24 Understanding your award letter 26 Worksheet: Make your decision For more information, visit us online at www.ecmc.org/about-us. Oregon high school requirements 27 Credits needed for graduation Oregon college transfer options 28 Community college degrees and transfer requirements Oregon Office of Student Access and Completion (OSAC) Oregon college profiler OSAC is an office within the Higher Education Coordinating 29 Public universities Commission that administers a variety of state and federal 29 Community colleges grants, and privately funded scholarships for the benefit of 30 Private colleges Oregonians attending postsecondary schools. OSAC is unique in the nation for its partnership of administering scholarship Oregon financial aid programs with more than 500 private donors, foundations, 31 Grants and scholarships employers, membership organizations, and banks. OSAC also 33 Undergraduate students manages ASPIRE (Access to Student assistance Programs In 34 Graduate students Reach of Everyone), the state’s mentoring program to help 34 Oregon 529 College Savings Network students access education and training. For more information, call 800.452.8807 or visit OSAC online at Oregon resources https://oregonstudentaid.gov. 35 Oregon college directory 38 In-person help 38 Online help Student checklists 39 Freshman 40 Sophomore 41 Junior 42 Senior SURVEY Glossary We want your feedback 44 College and financial aid definitions www.surveymonkey.com/r/OpportunitiesBook HOW GOING TO COLLEGE CAN CHANGE YOUR LIFE How going to college can change your life EMPLOYMENT You may know or be able to think of individuals who are RATES & EARNINGS successful but have never gone to college. However, your odds of success are much higher if you attend college. BY EDUCATIONAL ATTAINMENT, 2018 There are many statistics available that prove this. Doctoral $1,743 Be happy Paths to higher education degree 1.5% People who attend college: The term “higher education” refers to all the educational opportunities available Professional $1,836 · Report they have more job satisfaction to you after high school. By knowing degree 1.5% than those who did not attend all available opportunities, you will have · Typically live healthier lifestyles, and are a better idea of what type of college Master’s $1,401 more likely to have access to employer- may be a good match for you. These degree options include: 2.2% provided benefits including: medical insurance, retirement plans, and paid time off FOUR-YEAR COLLEGES AND UNIVERSITIES Bachelor’s $1,173 degree Are more involved in their communities Four-year colleges and universities focus 2.5% · through higher levels of volunteering on offering educational programs that lead and voting to bachelor’s, master’s, or professional Associate’s $836 degrees. Many students start college degree Finally, talk with people who have gone to 3.4% studies at a community college and later college—most will tell you it was fun! transfer to a four-year college or university. Some college, $756 This allows students to complete courses no degree at a less expensive community college and 4.0% Education pays later use the credits to meet the graduation Statistics show that unemployment rates requirements at a four-year college. High school $712 decrease in direct relationship to how diploma 4.6% much education you receive. The more COMMUNITY COLLEGES education you receive, the more money you Community colleges are designed to meet are likely to make. A study by the Bureau of Less than high $520 the vocational and educational needs of school diploma Labor Statistics 2017 (Current Population the community. Individual colleges vary 6.5% Survey) supports this, shown in the chart widely and can offer programs ranging to the left. Keep in mind, education is an from classes in continuing education and investment in your future. certificate programs to vocational programs All $907 and associate degrees. Students can workers 3.6% Earn more transfer into Bachelor’s degree programs after completing an Associate degree. Going to college costs you money, but not going can cost you even more. The CAREER COLLEGES Weekly earnings U.S. Census Bureau’s 2011 American Career colleges are designed to provide a Community Survey reveals that over an Unemployment rate student-centered learning environment, adult’s working life, average total earnings which combines academic subject matter were as follows: with interactive, hands-on labs and Source: U.S. Bureau of Labor Statistics, 2018 · High school graduate = $1.3 million learning of skills. Programs range from Current Population Survey bachelor’s and associate degrees to · Some college = $1.6 million Note: Data are for persons aged 25 and over. diplomas, certificates, and certifications. Earnings are for full-time wage and salary workers. · Associate's degree = $1.8 million · Bachelor’s degree = $2.4 million · Master’s degree = $2.8 million Source: www.census.gov/library/publications/2011 /acs/acs-14.html 2 HOW GOING TO COLLEGE CAN CHANGE YOUR LIFE CAREER AND TECHNICAL EDUCATION · Not every high school participates; ECMC prepared this Career and technical education colleges contact your high school counselor for specialize in the skilled trades, applied more information workbook to guide you sciences, modern technologies, and career INTERNATIONAL BACCALAUREATE preparation. These colleges offer both ORGANIZATION’S DIPLOMA PROGRAMME through the college academic and career-oriented courses that · Two-year curriculum offered by the concentrate on developing a specific skill International Baccalaureate Organization selection, application and and often provide students the opportunity (IBO) that combines requirements to gain work experience through of a mixture of different national financial aid process. To internships, job shadowing, and on-the-job education systems training. These programs often lead to a Offered in English, French, and Spanish, reduce confusion, in this certificate, industry certification, diploma, · and allow students moving around the or associate degree, and are designed to country or from one country to another to book we refer to all types get students in to the workforce quickly. transfer among IB schools of higher education ONLINE COLLEGES · A list of participating schools from around Many colleges offer some or all of the world is available at www.ibo.org institutions as “colleges.” their classes online, and can be either TECHNICAL PREPARATION (TECH PREP) instructor-led or self-paced. PROGRAMS · Multiyear program (two or more years in Preparing for college high school and two in an occupational/ Colleges care about the courses you technical program at a community or take in high school. The more you technical college) designed to prepare challenge yourself when choosing high students for technical occupations school courses, the more college options · Expands education and employment you may have. opportunities by preparing you for careers in health care, business, industry, labor, HONORS CLASSES and government · More challenging academically · Strong emphasis on math, science, and · Typically faster paced; cover topics in English—a complete Tech Prep program greater depth includes the following: · Generally weighted higher for grade · A comprehensive career point average (GPA) but do not earn development plan you college credit · Courses designed for a specific career that integrate academic and ADVANCED PLACEMENT (AP) CLASSES occupational preparation · More challenging academically; courses A learning environment that prepare you to take rigorous exams that · emphasizes math, communications,
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