Find out How Much You'll Need for School — And

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, DECEMBER 11, 2016 the money to pay for it all

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el Rodríguez COMPLISHMENTS help students build a solid aca- GOAL HIS STORY AC To demic and personal foundation for their lives. Academy of Sciences in Bratislava, seeking new heart medications. 2016 Fulbright Fellowship to the Institute of Experimental Pharma- cology and Associate Professor, Chemistry, Physics, Environmental Science Hostos Community College Prepares minority and other students for careers in science, technology, engineering and math. Yo DREAM MA CUNY SCHOOL OF PROFESSIONAL-2006 STUDIES KINGSBOROUGHCOMMUNITYCOLLEGE-1963 HOSTOS COMMUNITY-1970 COLLEGE COLLEGEOFST THECITYUNIVERSITYOFNEWYORK NEW YORK POST A4 DECEMBER 11, 2016 FINANCIAL AID SPECIAL SECTION Showmethemoney Navigate the state and federal Don’t go broke: Despite soaring costs, resources for financial aid to make there are ways for everyone to afford college. sure you get your fair share ByERIKA PRAFDER accounts and documenta- tion, they run into a prob- ith the cost lem rather than it being of a four-year a 20-minute exercise,” private college said Nancy Lee Sánchez, education executive director for surpassingW the $200,000 the Kaplan Education mark at many schools, Foundation, a nonprofit there is still a bright side charity that helps under- — billions of dollars are served, low-income, available in financial aid. high-potential community Millions of students college students transition and their folks vie for aid to top four-year universi- annually, so there’s no ties nationwide. need to feel self-conscious New this year, students or falsely believe that you are able to complete the won’t qualify to receive FAFSA online starting some — even if you own October 1 (as opposed to your own home, have sav- January 1 of the coming ings in the bank or make a year). certain income level. “this is really good,” there are other myths said Sánchez, “since about the process. For example, many schools can start making that students receive the same admission decisions about their aid whether they’re considering freshmen class during the months a community college or a very of November and December. the expensive private school FAFSA is lengthy and complicated — untrue, according to (103 questions) so all of this paper- Kalman A. Chaney (right), work gives students more time — author of “Paying for Col- especially those with high financial lege Without Going Broke” need — to get their financial aid package ($21.99, Princeton Review). information sooner and understand how Another misnomer is that you much aid they’re going to receive.” should wait to apply for aid until Which parent must report their personal after your child has been accepted data depends on whether or not they are to a college. “if you do that, you married and living within the same house- may well be out of luck. it is hold, said Sánchez. crucial to meet financial aid “You are supposed to provide information application deadlines — for the parent whom the student lived with and these sometimes most of the time over the past 12 months — precede the deadlines the person providing the most help. Some- for the actual admis- times it’s both parents,” she said. sion application to the if you are a student and work, “You need college,” said Chaney. to speak with a tax expert to determine As you are preparing whether you’re required to file income taxes your college applications, this is also the or not. there are many free tax-help ser- time to apply for financial assistance. Fortu- vices for students where a 1040 form (iRS nately, if you know how to ask for aid, Uncle form for reporting annual income) can be Sam can help finance your college dreams. obtained,” said Sánchez. the first thing every family should do For more information, visit the NYC free when seeking government assistance is fill tax prep website (nyc.gov). out the Free Application for Federal Student “Unless students earn above $9,000 or Aid (FAFSA) form, (fafsa.ed.gov) which $10,000, [earned income is] not going to the federal government uses to determine affect them in a negative way,” said Sánchez. a student’s eligibility for aid. it must be “Many [students] are low-income and are completed annually each year a student is using the money for expenses. i encourage enrolled in college. my students to work and take a summer job.” “the FAFSA has so many questions regard- if you believe you qualify as an “indepen- ing taxes and bank information — what dent,” specific rules apply, said Sánchez. happens with many students is that if they “Just because your parent or parents don’t don’t have the PiN numbers for their parents’ support you financially doesn’t mean you NEW YORK POST FINANCIAL AID SPECIAL SECTION december 11, 2016 A5 hemoney can file this way. You have to work very copy will be mailed. The SAR is shared closely with the [college] financial aid with all colleges listed on a student’s person to claim a special circumstance and FAFSA and is used by those schools to be clear about what your status is. Multiple determine need and generate a financial third-party letters (from a shelter on aid package. behalf of students who are homeless, for For New York student residents, there’s example) are usually required. also grant money available through the To save your family excess FAFSA New York tuition assistance program form-completion time, consider using the (hESc.ny.gov). Internal Revenue Service’s (IRS) Data “It does not have to be paid back. For Retrieval tool (for more information, visit 2016-2017, the maximum grant award is StudentAid.ed.gov) which automatically $5,165 per year,” said Sánchez. checks for declared income At the same website, check out with the IRS. other state grants, including the Also new this year, tax New York State aid for part- information will be tak- time study, which provides en from the previous resourCes assistance for eligible part- year’s tax filing, rather Links to financial aid time students enrolled in than the current one. calculators: approved undergraduate This saves having www2.cuny.edu studies. to estimate your FAFSA forecaster (estimates Grants from individual current taxes if you eligibility forfederal financial schools themselves are also haven’t yet filed and aid): available, but “since this amending it later. money comes out of [the Never leave StudentAid.ed.gov school’s] own pocketbook, anything blank, said Loan Calculator: they are, in effect, discounts Sánchez. “It’s important BigFuture. off the sticker price,” said to answer all of the ques- collegeBoard.org Chaney. “Because this is not tions. If you can’t come taxpayer money, there are no rules up with an answer, speak to about how it must be dispensed. Some a financial aid person or your high schools say they award money solely based to $4,000 per year. loans offered to you as part of your aid school guidance counselor. Zero is an on need. Many schools also give out merit- You must attend a school that has cho- package in your award letter are primarily answer too, but leaving a question blank based awards. There is no limit on the size sen to participate in the program and meet need-based, said Chaney. leads to an incomplete form.” of a grant from an individual school. It could certain academic achievement require- “The best need-based loans (the feder- After your personal data has been veri- range from a few dollars to a full scholarship.” ments, according to Chaney. ally subsidized Perkins and Stafford loans) fied by the government, your expected If you intend to teach full-time in a Be forewarned: “Failure to complete all are good deals as both are far below pre- family contribution (EFC) is generated, high-need field in a elementary or sec- of the service requirements for which you vailing interest rates,” added Chaney. “In says Sánchez. ondary school that serves students from receive the grant will result in the amount most cases, no interest is charged while Once your information is processed, stu- low-income families, you may qualify for of all TEACH grant funds received being the student is in school, and repayment dents can access their student aid report the teacher education assistance for col- converted to a federal direct unsubsidized does not begin on them until the student (SAR) online. For those students who lege and higher education (TEACH) grant Stafford loan.” graduates, leaves college, or dips below didn’t provide an email address, a hard program. This grant program provides up If you’re going to take out a loan, the half-time status.” saved by the pell: you may be eligible for a graNt

The Federal Pell grant, administered by the to them and ask them to adjust it. It requires more government, is a grant that does not need to paperwork and proof of disruption.” be repaid. You automatically apply for it when If you have exceptional financial aid need, completing the FAFSA. Intended primarily for such as those who support a family, you may also low-income families, the size of the award is qualify for the Federal Supplemental Educational decided by the federal government and can’t be Opportunity grant (FSEOG). adjusted by the colleges you apply to. “The FSEOG is a federal grant that’s adminis- Amounts depend on need, cost of attendance, tered by the colleges themselves,” said Kalman if you’re a full- or part-time student, and your A. Chaney. “Each year, schools receive a lump plans to attend a full academic year (versus sum that they’re allowed to dispense at their less). For 2016-2017, if you qualify, you can own discretion. The size of the award runs receive up to $5,815 per year based on need, he from $100 to $4,000 per year per student.” writes. You may not receive Pell Grants from But, “this takes a lot of self-advocacy,” said more than one school at a time, and those who Sánchez. “You must show that your expenses are incarcerated are ineligible to receive them. are much higher than the average traditional If you are awarded less than you expected, “You student. Remember that each school has a can contest the award,” said Nancy Lee Sánchez. limited amount of funds to grant. You may have “If a parent becomes unemployed or disabled, or a high-need student who qualifies, but because there are significant changes to the household of finite funding, none is awarded.” income in the middle of the year, you can go back — Erika Prafder Getty Images (3) NEW YORK POST A6 DECEMBER 11, 2016 FINANCIAL AID SPECIAL SECTION Working out your bottom line APEX Technical School in What’s it all going to cost? Long Island City is $17,747 for a seven-month course, excluding personal costs for College fees and tuition vary, transportation to the school and meals. so make comparisons — The annual cost of attendance at the fashion Institute of Technology and don’t forget to add up all (fIT) in Chelsea is $4,590 for associate-degree-level New the hidden costs York state residents, with an additional $316 in health ByVICKI SALEMI parents’ plan by filling out services, $200 in technology the paperwork to waive fees, a $130 student activity f you’re only looking at coverage by the college. fee and $10 per course for tuition costs and room Travel is another hidden a class with live models or and board fees when cost. specialized equipment. selecting a school, you “Account for travel to and Kelly Brennan, vice presi- coIuld experience sticker from home if you’re going dent for enrollment manage- shock if you don’t account away to school, study-abroad ment and student success for hidden fees. programs and spring break at fIT, said, “A lthough the Shannon Vasconcelos, trips,” Vasconcelos said. college is best known for its

director of college finance Ye t another price to Images Getty fashion design program, fIT for College Coach, a national account for in your wallet: in fact has nearly 50 majors.” provider of educational taking longer than four USE THE When comparison shop- advising on the college years to graduate. TOOLS and dO ping programs and com- admissions and financial “A n extra semester, prehensive costs, McCarthy process, recommends factor- year, or even two THE maTH Karen McCarthy on financial ROI, look at the suggests factoring aid into ing in additional costs. can cost a fam- Utilize the net price calculator on a at the National average earnings a student the amount that the school These add up fast. Consid- ily thousands college’s website to determine the bottom Association of would make over their may award. er the costs of books, lab fees of dollars,” she line at each school you are interested in. Student financial lifetime from attending the “Sometimes people for science majors, Greek said. “When Institutions have to disclose it somewhere, Aid Administra- community college versus automatically assume public life dues (if applicable), estimating the usually on their website. tors advises fully what they would make over institutions will be cheaper entertainment, student total cost of any They’re also compiled into the federal researching insti- their lifetime going to a pri- than the private institutions, activity fees, technology fees, college, consider website, College Navigator (nces.ed.gov/ tutions ahead of vate institution,” he said. but sometimes a private collegenavigator) so you can select schools tickets for school sporting your likelihood time if your plan This means being institution might [offer] a lot and display institutions side by side. events, transportation and, of of graduating on is to transfer after completely honest about more assistance in the form sometimes public institutions offer a course, morning cups of joe time.” two years. your desired career path to of gift aid,” she said. seemingly low cost but the fees might That’s why Vasconcelos and late-night pizza. That’s one reason be more than the tuition. Don’t “You can save a lot determine which school type Plus, “If you plan on why some people just compare tuition from one of money that way,” she is a better fit. recommends applying to bringing a car to campus, may attend community school to the other. said. “It might not be the Mark Kantrowitz, schools with need-based beware of notoriously high college for two years and best choice for all students publisher of Cappex, a free financial aid. parking fees along with then transfer to a four-year though — and research up website about planning and “That huge sticker price usual car payments, gas, and institution for the remaining front to make sure all your paying for college, added: “It will be meaningless to you,” insurance,” said Vasconcelos. years. At Bronx Community school year. Itemized costs credits transfer because if is an open secret that in-state she said. “A nd if you’re not bringing College, for example, in-state are: $6,330 for tuition; $475 you lose a lot of credits when public four-year colleges It’s also important to a car to campus, be aware of resident tuition fees are fees; $1,364 for books and you transfer, then you haven’t provide almost as good a evaluate your options rang- public transportation costs.” $4,800 annually, plus student supplies; $1,148 for meals; made out financially as well quality education as the ing from technical schools Healthcare is another activity fees of $78 and tech- $1,054 for transportation; and as you would have. You’re most elite colleges at half the to elite colleges. McCarthy issue to consider. But, “don’t nology fees of $125. $1,800 of personal expenses paying for credits and now price. PayScale.com’s college explains that the United purchase the college’s This compares to the cost like cell phone bills and you’re not getting them.” ROI report shows the dollar States’ higher education health insurance plan,” said of attending NYU within entertainment. Then, of course, there’s the return on investment for system is considered the best Vasconcelos. “If your parents the college of arts and sci- Alternatively, living at a overall return on investment popular colleges and majors in the entire world based on have health insurance, you ences — the NYU fee this SUNY school as a New York (ROI) after graduation. Scott [for bachelor’s degrees].” the variety of options. can remain covered as a academic school year is state resident costs $24,630 Weingold, co-founder of Plus, he said there are “It’s set up to serve differ- dependent under their $49,242 with $24,000 for liv- annually: $6,470 for tuition; College Planning Network, a some fields of study, such ent types of students from family plan, and that usually ing expenses. This is antici- $1,590 fees; $12,590 for hous- company that helps families as trades like electrician or different backgrounds with provides better coverage at a pated to increase 5 percent in ing (meals included); $1,340 navigate the college admis- HVAC tech, where an associ- different strengths who lower cost.” subsequent years. for books and supplies; sions, funding and financial ate’s degree pays better than want to do different things. Just make sure you can Compare those costs $1,080 for transportation; aid process, suggests begin- a bachelor’s degree in the Depending on what you’re seek care at your college’s to the cost of attending a and $1,560 of personal ning your college application arts and humanities. looking for, there’s [an] health service center with CUNY school while living expenses. process with an end in mind. for instance, on aver- option to get you where you little extra cost under your at home: $16,641 total per Senior policy analyst “If [you’re] truly focused age, the cost of attending want to go.”

aVERaGE COLLEGE COSTS PER YEaR aCROSS THE COUnTRY $50,000 $32,405 $23,893 $9,410 $3,347 for Ivy League for private for out-of-state for in-state for community schools colleges public colleges public colleges colleges

New York Post, Sunday, December 11, 2016 nypost.com

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AN IC ER AM ★ IE NG a RNEG eld. ﬁ CA EAMI rkey, Ak came to Tu CUNY be a role model for HER STORY GOAL Born in Queens College’s Aaron Copland School of Music for a conducting workshop in 2014 and stayed for master’s degree. To women conductors in this male-dominated OF HALL DR Nisan Ak Queens College Master of Music Performance in Orchestral Conducting, 2016 NEW YORK POST A10 DECEMBER 11, 2016 FINANCIAL AID SPECIAL SECTION Do away Finding Scour the scholarships to wiSometh smart choices debt now can save you years of loan LEAVE NO STONE repayments later UNTURNED THERE are scholarships for everything from ByERIKA PRAFDER rugby to rodeo, welding to mycology (study of fungi). scholarships have grown increasingly wacky due to s a freshman in high school, Kristina Ellis learned competition and the rise of identity politics. Most are from her mother that she’d have to cover college for $2,000, although some are for $5,000. costs herself. she went on to win over $500,000 in It’s well worth skimming this list to see if you are an A outlier who may fit in, or consider your own quirks and college scholarship money, later penning the widely acclaimed book, “Confessions of a scholarship Winner,” special features and Google them. and offering her insights on the scholarship application In the age of multiple births, colleges feel the paren- process and how to best impress award committees. tal pain. For example, lake Erie College in Painesville, In her follow-up book, “How to Graduate Debt Free: Ohio, gives twins scholarships in alternating years The Best strategies to Pay for College,” (Worthy Publish- (lec.edu), and the Illinois Organization of moth- ing, $15.99), the author and sought-after speaker focuses ers ofTwins Clubs, Inc. offers a scholarship for four on how to conquer the financial obstacles of paying for multiples. (iomotc.org). college, recommending that students approach finding little People ofAmerica (LPA) association mem- money for college like, in her own words, “an entrepre- bers can get scholarships. LPA supports people 4’10” or neur on a money hunt for funding.” less in height, and their families (lpaonline.org). Conversely, there is a Tall Clubs International Scholarship. Tall Clubs International (TCI) offers a $1,000 scholarship for tall people, and individual chap- TOP TIPS TO AVOID A BIG BILL ters may also offer awards. Women who are at least 5’10” and men at least 6’2” are eligible (tall.org). DON’T PROCRASTINATE. as a high school student is one way Aid (FAFsA) will be undergoing Make a prom outfit from Duck brand duct tape, 1 Fight any urge to keep putting to reduce redundancy in your col- significant changes (see page A4.) send a photo to Duck Brand and win a few grand. This things off, and instead work on tack- lege curriculum, lighten your college students will have to provide finan- year’s winners, Noah and Jenna, used 39 rolls of tape for ling your financial goals immedi- academic load and reduce college cial information from an earlier year their pink and white ensemble (Stuckatprom.com). ately. sit down and write out what it costs. and application submissions will be Full rides are the dream of many football and basket- will take to make them happen, and allowed three months sooner. ball high-schoolers, but more obscure sports are also implement daily habits to support SAvE ON STANDARDIzED supported — 200 golf caddies a year can shoot for the your efforts. Perhaps this month 4TESTS. gET APIECE Of ThE SChOl- Western golfAssociation’s Chick Evans Jr. Schol- you can apply for three scholarships Picking the right standardized test 8ARShIP PIE. arship for golf caddies (wgaeSf.org). and skip that $4 coffee at starbucks is another way to curb spending as Billions of dollars are given away National RifleAssociation junior members vie for so that next year you’ll have not entrance exams aren’t free and many each year to help students with col- the Outstanding Achievement Yo uth Award for hunting only some scholarship money but families shell out additional money lege expenses. source scholarships and shooting clinics, the NRA Postal Match (fire on savings. on sAT and ACT prep courses. Test using books, high school guidance a paper target and mail it in for judging), going to the fee waivers are available to some counselors, online scholarship data- National Firearms Museum in Virginia, or making art AvOID DEbT. high schoolers who meet certain cri- bases like Unigo.com and apps like for the NRA Wildlife Art Contest (explore.nra.org). 2 The business of debt has left teria. Visit your guidance counselor scholly. Don’t write off those with Mibsters (marbles players) have the National too many people trapped in a des- to verify your eligibility. smaller amounts of award money, marblesTournament Scholarship to look forward perate cycle that’s hard to escape. as they can stack up; every little bit to if they win the annual National Marbles Tournament With a $100,000 student loan at STARTACROWDfuNDRAISER. counts. (nationalmarblestournament.org). surfers can East 6.8% interest for 10 years, you will 5 Crowdsourcing websites like Coast Surfing Scholarship from the Buddy Pelletier be paying back the original money GoFundMe and Indiegogo are PAYASYOu gO. surfing Foundation (Buddypelletier.com). you borrowed and an extra $38,097 household names today. Maybe you 9 If you’re willing to do what The David lettermanTelecommunications in interest over the loan’s duration. have people in your life willing to it takes to graduate debt-free, the Scholarship, established by David Letterman in 1985, On top of other living expenses, contribute to your college educa- possibilities of working your way honors average academic students with TV and radio paying this back isn’t realistic or tion? If so, consider this alternative through college are endless. The potential at Ball state University (cmS.bsu.edu). even remotely possible for most new to help build your college savings in range of job opportunities include The J.D. SalingerAward at Ursinus College looks graduates. Debt most often causes the years before you enroll. work study, internships, traditional for creative writer “oddball geniuses.” Winners live in more harm than good and should be jobs, freelancing, employment at the dorm where the author of “The Catcher in the Rye” strongly avoided. ChOOSE ASAvINgS vEhIClE. your college and tuition-assistance stayed when he was there in the 1930s (Ursinus.edu). 6 Understand the differences programs. Remember to find the The Ayn Rand Institute offers young, bow- vAluE YOuR TImE. between 529 plans, Coverdell right work, life and school balance, tie-wearing libertarians the chance to compete in 3 If you could graduate from col- education accounts, Roth IRAs and and to evaluate how your earnings “A nthem,” “The Fountainhead” and “A tlas shrugged” lege in four years but take six years more. There may be withdrawal might impact your financial aid essay contests (aynrand.org). instead, you lose not only whatever penalties, tax-deferred interest and package. It’s worth Googling your name plus “scholarship” it costs you to attend school for income qualifications depending — North Carolina State university offers the John those two additional years (which upon which you select, so know the TRYAlTERNATE ROuTES. Gatling Grant to those born with a surname of Gatling could be well over $50,000 in tuition upsides and downsides of each. 10 There are many paths to or Gatlin. harvard university does the same for Ellis, and fees), but you forfeit the income earning a college education. Online Hudson, Thayer, Downer and Bright. The vanvalck- you could have made during that STAY AbREAST Of ThE fAfSA. degrees, community college, and the enburg memorial Scholarship honors variants of its time. Time is money, so be inten- 7 For the 2017-2018 school year, Us Armed Forces can offer tremen- old Dutch name, Van Valckenburg. — Joseph gallivan tional with how you spend it. Earn- the Us Department of Education’s dous savings toward earning your ing advance placement (AP) credits Free Application for Federal student degree. NEW YORK POST FINANCIAL AID SPECIAL SECTION december 11, 2016 A11 free money top up your savings and bolster your college fund

ByJOSEPH GALLIVAN tions close on Friday.) cation procedure. Most high But Kalman a. Chaney, author school seniors should know by S the cost of college tuition of “Paying for College Without december where they want to continues to rise, schools Going Broke,” cautions not to go, which is when many scholar- and charitable foundations overspend your time looking for ship deadlines are due. are offering more scholar- company awards. High school counselors are Aships to help low-income or “Most of the money available good, but talking to the financial high-achieving students. in scholarships comes from the aid office of a college is better. Unfortunately, navigating the colleges themselves, not from He warns against applying for complex web of what’s offered is outside scholarships,” he said to high-profile national scholar- like getting through the 13th story the Post. “Only 5 percent comes ships if you are not very strong mission on “dying Light” (that’s a from Coca-Cola, the Boys Club, academically. horror video game, parents). the Elks, etcetera.” “The problem is time man- Here’s a little help. He says part of the college agement; if you spend all your There are need-based scholar- funding myth is that you just do time applying, it can affect ships, also known as grants, your research and all of your col- performance in the classroom, aimed at students from lower- lege money problems are solved. and that’s worse for your college and middle-income households. “But most people don’t get admissions,” he said. Then there are merit scholar- anything,” he said. “I was in Instead, talk to people at local ships, which reward students the 99th percentile for math at businesses, fraternal orders and for being good at something or my school and I didn’t get any places of worship, which often for being a good representative scholarships.” have $2,000 scholarships with of some sort of subgroup. These at the high end of academia, limited competition. may be awarded by the college in students do not need to compete also, see what strings are the form of reduced costs. for talent in the same way — Ivy attached. If the money is If your home state is New League schools don’t give out contingent on a certain york and you want to attend merit-based scholarships. grade point average each a college in New york, there “Schools are using scholarships semester, can you main- are many small scholarships to buy kids who do well in stan- tain that? to look for, often sponsored by dardized tests and athletic talent also, be careful if you companies. to boost their [college’s] profile,” qualify for need-based For example, Foreclosure. he added. In fact, at some schools, aid, since a scholarship com awards one $5,000 and four the application process includes might be subtracted $1,000 non-renewable scholar- scholarship paperwork. at others, from the amount ships to the winners of an essay you may have to submit scholar- awarded, leaving you contest. For 2016, the topic is ship applications separately, no better off. “Those who do not learn history usually earlier. “you don’t get mer- are doomed to repeat it,” with Chaney recommends check- it money on top of need- reference to the United States ing out your target colleges’ based money,” said Chaney. Getty Images; housing market. (Better hurry to websites’ scholarship sections “Getting the merit only helps if L’Oreal Paris (belo their website, though; applica- and getting a jump on the appli- it’s more than need-based.” w)

student works the scholarships Places to start looking harvard for free to amass a small fortune for scholarshiPs adya Okamoto and college counsel- and are passionate about judges don’t want to push Youcan Google, or youcan trythese N(right), 18, ors. as a result, she’s everything you said in your students to overwork them- aggregators of scholarship listings. They all a native New now a recipient application and in your selves.” requireyou to build a profile. yorker, is of awards from résumé, then you can speak Scholarships need to currently in the Gates Millen- more honestly and respect- be researched well ahead The College Board (CollegeBoard.org) her first year nium Scholars fully on it.” of time. Okamoto started From the nonprofit that brought you the SAT, a at Harvard Program, The However, she cautions looking in the summer handy college admissions site with a deep schol- College and Coca-Cola Com- against spending too much before her senior year of arship bench (2,200 programs, nearly $6 billion). has received pany, Elks and time on scholarship apps. high school, in time for the FastWeb (FastWeb.com) several company PEO (Philanthropic “I barely got sleep my first October due dates. Over 1.5 million scholarships worth more than scholarships — but Educational Organiza- first semester of senior “I started by making a $3.4 billion dollars. it wasn’t easy. tion) worth around $70,000 year because I was juggling spreadsheet with every Chegg (Chegg.com) It involved a lot of writ- — a big help toward the about five scholarship scholarship, their require- The old textbook site has branched into scholar- ing, she said. $63,000 annual cost of applications per week in ments, their application ship tracking. “Some [scholarships Harvard. addition to college applica- links, their due dates, and the Peterson’s (Petersons.com) require] application videos Okamoto said that hav- tions,” she said. award amounts,” she said. The college research site now has a useful schol- explaining why you are ing a loaded résumé is not Some judges gave her Okamoto aimed both arship tracker. passionate about your the key to winning scholar- feedback, telling her, “be high and low. Scholarships.com (Scholarships.com) focus or about a certain ships. focused, identify your pas- “Prioritize big money but If you think bigger is better, this one boasts passion project you may be “I think that authenticity sion and show what you also make sure to apply to more than 2.7 million scholarship and grant applying with,” she added. is key, because when you love. I ended up having to small local scholarships, opportunities worth more than $19 billion. Okamoto mainly found make it to another round of explain on many occasions because those are much out about scholarships by screening for the scholar- how I was able to juggle less competitive.” talking to college students ship, if you truly mean [all the applications]. The — Joseph Gallivan NEW YORK POST A12 DECEMBER 11, 2016 FINANCIAL AID SPECIAL SECTION Borrowing big bucks Student loans are inevitable for many. Here’s how to ﬁnd the best deal

ByVIRGINIA BACKAITIS are calculated each July. these options to be last resorts. to some government loans, first borrowing from yourself,” added there is a 1.08 percent fee for the first additional loan that and foremost because the primary McKinley. But if you lose your job tudents and parents, applying for these loans, “But families should look at is the PLus loan relationship is between the or don’t pay back your 401k before nationwide, are frazzled over you don’t need to pay it up front,” loan, where the parent(s) are the lender and the student. While par- you retire, you pay a 10 percent college finances, according said Barry Fox of Barry Fox Col- borrower and the us department ents or other third parties almost penalty and taxes on the money, to a study, “How America lege Finance in Merrick. the fee of education is the lender. always need to cosign the loans, which could reduce $50,000 to PaSys for College 2016” by college becomes part of the loan. “It’s the best way to go,” said Fox. the student will be the one who $35,000 and leave you with a bill lender sallie Mae. Another study the amount that can be bor- “You can get as much money as pays back the money. instead of cash to live on. released in October by Citizens rowed in a given school year is you need to fund your child’s total they might pay as little as $25 that being said, sallie Mae’s Bank found that 71 percent of those limited. undergraduates are eli- college bill — including tuition and per month on the loans while “How America Pays for College” who have been through the student gible to receive up to $5,500 subsi- fees, room and board, books, trans- they are in school, and private report indicates that 5 percent of loan application process found it dized (up to $3,500 unsubsidized portation and more — minus other student loan providers some- families used retirement funds even more stressful than the actual for eligible students) freshman aid that has been offered.” times also offer discounts for to pay for their children’s school college application process. year, $6,500 subsidized (up to the rate for the Parent PLus setting up automatic payments or last year. And — get this — most While that’s the bad news, $4,500 unsubsidized) sophomore loan is 6.31 percent and a getting good grades (3.0 or withdrew every penny of their everyone from college finance year, and up to $7,500 subsidized fee of 4.276 percent is higher) and so on. retirement savings. coaches to money managers to junior year ($5,500 unsubsidized) subtracted before it “It’s good for What’s clear is that students independent and private lender and each year thereafter, up to a is sent to the par- students to have and their parents draw from many websites geared toward rising cumulative total of $31,000. ent. It should InTeReSTInG some skin in the pots, and as a result, they typically college students and their parents direct loans also offers “protec- also be noted STuFF game,” says need to repay multiple lenders. aim to make the process more tions” which allow you to defer that PLus Rates vary according credit- Jodi Okun, that’s where new wave lenders transparent and easier. making payments on your loan for Loans are worthiness, market conditions and more, discover who are lumped into a category And the good news is that most up to six months after graduation, hard to get but currently: student branded “social finance” come in. of them agree that the first college or in case of disability, unemploy- if you have Sallie Mae offers variable rates for loans brand they offer graduates opportuni- loan that families should look at ment and more. an adverse undergraduates from 2.50% to 9.59% APR, ambassador. ties to consolidate their loans and is the direct loan, or the stafford If the free money you are being credit and fixed rates from 5.74% to 11.85% APR. And when to pay back only one lender. loan as it is sometimes known, offered, plus the direct loan, plus history. If Discover‘s variable rates currently range it comes to soFi is one of them. dan Mack- offered by the federal government. the amount your family can con- that’s the from 3.62% to 9.12% APR and fixed rates loan-related lin, the company’s co-founder, said It comes in two flavors — subsi- tribute toward your education are case, the par- range between 6.24% to 11.49% APR. fees — like that the time to look to soFi for dized and unsubsidized, according enough, then voila! ent needs to At Citizens Bank variable rates application, loans is post-graduation, once you to david Levy, editor of edvisors. If not, there are other options, have a cosigner. range from 2.60% to 9.60% APR origination and have a job. com, a website for students and ranging from PLus loans offered Much like stu- and fixed rates from 5.25% early repayment “Many graduates are paying 8 families looking to plan their col- to parents by the us department dent loans, PLus to 11.75% APR. — sometimes there to 9 percent on their loans. that’s lege finances. of education (these are sometimes loans offer deferment aren’t any with private too much,” said Macklin. soFi’s subsidized government loans referred to as Parent PLus loans) options and a few extras, lenders. Check the fine print. fixed rate loans range from 3.375 are available to students who can to private student loans and par- such as if the parent who took the If a family prefers to leverage to 6.74 percent APR and variable demonstrate financial need. they ent loans offered by private (non- loan or the student for whom the assets they own by taking on rate loans range from 2.185 to 6.110 accrue no interest and require government) lenders. loan was taken, dies. there is also private equity loans, private percent APR. no interest payments while the Additionally, parents or other a provision that erases the loan equity lines of credit or second “Paying back the government student is in school. third parties can borrow against after 120 consecutive payments mortgages, they can enjoy lower and private lenders at higher rates unsubsidized government loans their homes via home equity loans are made (10 years’ worth). there interest rates — variable intro- doesn’t make sense,” said Macklin. are available to college students and home equity lines of credit, or are a few creative workarounds ductory rates on home equity Why not start with soFi in the regardless of need, but they do draw from retirement plans such as well, like consolidating the loans are advertised as low as 2.24 first place? accrue interest. the interest rate as a 401k or IRA. loan, working in a job that the percent APR. “We don’t offer student loans,” on these direct loans is fixed there’s now even crowdsourcing government deems worthy of loan But “if you can’t pay it back, you said Macklin. “We offer student at 3.76 percent for undergradu- from friends and relatives — “even forgiveness and so on. lose your house,” said Fox. loan refinancing. While you’re ate students and 5.31 percent for second mortgages,” said Kevin Lenders like discover, sallie the same can be said of draw- in school you should work with graduate students for the 2016- McKinley of McKinley Money. Mae, Citizens Bank and many ing against retirement. this is student loan providers. You want 2017 academic year. Interest rates However, he considers many of others provide solid alternatives pretty much free since “you’re their protections,” he added.

The Tax man comeTh? maYBe, So STudY up... student loans are not submit them on a tax form. be declared as income. through 2017) allows an annu- taxable since they are not According to Carrie schwab- sometimes a scholarship is al maximum credit of $2,500 considered income. they are, Pomerantz of Charles schwab, considered general income, per student for four years of instead, interest loans that “scholarship money, for the such as when a graduate undergraduate education for never go away. think of them most part, isn’t taxable because student is also a teaching those with a modified adjust- as more like a mortgage on a it isn’t considered income. the assistant. this kind of fellow- ed gross income (MAGI) of house you’ve never seen. good news for [the student’s ship must be declared on a $80,000 or less. Are scholarships and grants parent] is you still may be W2, which the school would the Lifetime Learning Credit taxable? Generally, no. able to claim an education tax send to the student. (LLC) allows a maximum If they are spent on college credit on your return as long schwab-Pomerantz also of $2,000 per year per tax tuition and fees, books, and sup- as you pay qualified expenses points out that education tax return (not per student), but plies for specific classes, and you above and beyond what your credits can offset your child’s it can apply to undergraduate, are enrolled in a proper degree child’s scholarship covers.” college expenses. You may graduate or professional degree et Images Getty program (an accredited post- Room and board are not access one or the other (not courses, with no limit on the secondary institution of higher tax-free, so any portion of the both) of these: number of years with a MAGI education), they are not taxed scholarship that goes toward the American Opportunity of $55,000 or less. and the student doesn’t have to room, board and travel must tax Credit (AOtC, available — Joseph Gallivan New York Post, Sunday, December 11, 2016 nypost.com A13 3 196 LEHMANCOLLEGE-1968 CUNY SCHOOL OF MEDICINE-2016 NEWYORKCITYCOLLEGEOFTECHNOLOGY-1946 CUNY GRADUATE SCHOOL OF JOURNALISM-2006 37 BOROUGHOFMANHATTANCOMMUNITYCOLLEGE- 19 61 19 CUNY-2001 LAGUARDIACOMMUNITYCOLLEGE-1968 AT QUEENSCOLLEGE- 30 19 CUNYGRADUATECENTER- BARUCHCOLLEGE-1968 59 19 MACAULAY HONORS COLLEGE BROOKLYNCOLLEGE- 70 18 CUNY GRADUATE SCHOOL OF PUBLIC HEALTH AND HEALTH POLICY-2016 YORKCOLLEGE-1966 HUNTERCOLLEGE- 47 CUNY SCHOOL OF-1983 LAW 18 QUEENSBOROUGHCOMMUNITYCOLLEGE- 57 19 GUTTMAN COMMUNITY COLLEGE-2011 JOHNJAYCOLLEGEOFCRIMINALJUSTICE-1964 CITYCOLLEGEOFNEWYORK- MEDGAR EVERS COLLEGE-1970 rk/CUNY BRONXCOMMUNITYCOLLEGE- Yo rk Nobody 56 19 Yo KER

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lliam Helmreich COMPLISHMENTS Yo GOAL HIS STORY AC “You get students to realize their dreams by encouraging them to ask questions...If I don’t have the answers, we’ll find someone who does.” Author or editor of 15 books, including, “The New Knows: Walking 6,000 Miles in the City.” New He’s walked all of them. But whencomes it to teaching, he still asks for the introductory sociology class. “It gives me the chance to turn people on to what I love doing most.” Distinguished Professor of Sociology The City College of New Wi DREAM MA CUNY SCHOOL OF PROFESSIONAL-2006 STUDIES KINGSBOROUGHCOMMUNITYCOLLEGE-1963 HOSTOS COMMUNITY-1970 COLLEGE COLLEGEOFST THECITYUNIVERSITYOFNEWYORK NEW YORK POST A14 DECEMBER 11, 2016 FINANCIAL AID SPECIAL SECTION Learning from others Tips for avoiding the pitfalls of financial aid applications ByVICKI SALEMI

hen Tom hoebbel of Brooktondale, nY, submit- DON’T LEAVE W ted his daughter’s Free Application for Federal Student IT ALL TO Aid (FAFSA) in 2007 for her first YOUR PARENTS year of college, he accidentally input his son’s Social Security number instead of hers. That Stephanie Shyu, founder innocent error instantly created of AdmitSee, a college several headaches and lost valu- admissions online plat- able time. form, recommends stu- “Their numbers were only dents become involved different by one digit — it was a in the entire process by It’s a nightmare to get sorted out!” he completing the form and chore, but said. following up on addition- don’t delay with After the form was rejected ally requested informa- form filing — and because her name and Social tion by schools instead double check all Security number didn’t match on your info. federal records, hoebbel scurried of relying solely on their to resubmit the form with correct parents. information in a last-minute rush “I applied to college in Getty Images to ensure she would qualify to 2005 and let my dad “The online function (fafsa. ber 1 this year). “Schools will provide federal receive aid. handle all the FAFSA ed.gov) takes approximately “A nd [you can] use prior and state funds which are need- “She did in the end, but we documents since he’s one hour to finish for first-time income data in the calculation as based entitlements, but most were definitely stressed,” he said a CPA,”said Shyu when users.” opposed to the previous year’s schools will have additional grant of his daughter, who graduated remembering her deci- Plus, he said many people erro- income data — as an example, and loan funding that inevitably from the University of Texas sion not to learn what neously believe it’s too compli- parents filing for the 2017-2018 runs out after a certain point at Austin and now lives on the everything meant. cated to complete independently academic year will use 2015 in awarding the funding,” said Upper east Side. without the assistance of paid income data,” he said. Stewart. “If you are late to the Typos are common FAFSA “Because you need to help. In fact, Stewart, a former assis- game, you may lose out on funds errors, along with using nick- re-file to maintain your “Most colleges are prepared tant director of student financial you otherwise would have been names instead of full legal aid every year, applicants to field questions and provide planning at Columbia University eligible to receive.” names, omitting or incorrectly who don’t handle FAFSA insight to prospective students at Medical Center, mentions that Aside from the FAFSA, some entering school codes, mixing applications themselves no cost while the FAFSA help line the FAFSA website’s online data schools may want an additional student and parent data, using an are often not prepared to (800-433-3243) is also a viable address other than a permanent manage their financial aid option,” he added. residence, leaving fields blank past the initial application.” Additionally, some parents and completing the form without By being proactive about mistakenly believe they will not “Most schools will have additional the parent and student signing your aid and managing qualify for any need-based aid off with their respective FSA IDs and think that the effort is a waste the process, she said, you obtained through the Department of time, meaning they don’t even grant and loan funding that of education (fsaid.ed.gov). will“develop the financial bother. (IDs must be obtained online to literacy you’ll need later “If college costs are a concern apply for the FAFSA.) on in life.” as a parent and student, filling inevitably runs out after a certain Alicia Stewart, a college admis- out the FAFSA is a no-brainer,” sions counselor at IvyWise, a said Inglet. “The optimal word point... If you are late to the game, Midtown-based independent within the FAFSA acronym is educational counseling firm, free — one hour of your time will pointed out, “A lways read a form “While I personally hit ‘send’ allow you to definitively know you may lose out on funds.” before submitting anything the day before my applications and uncover what financial aid involving personal information; were due, I would have avoided you will receive from the federal — Alicia Stewart, IvyWise take a minute to carefully look many panic attacks and possibly government.” over it.” [losing] dollars in support if I had As for the really good news? It retrieval tool can pull informa- form filled out. Since identify theft is a prob- just finished everything before gets easier as time marches on. tion directly from the IRS to pre- “Don’t delay in filling out lem, being careless with docu- the holidays,” she said. “This form should get com- fill some questions on the FAFSA. all required paperwork,” said ments is a concern. Definitely Although the deadline seemed pleted for each year a student is “If you choose not to use the Stewart. “each school is different; take a few moments to eyeball far away at first, she added, “The planning to enroll at an accred- tool, you will be manually entering make sure you do the research everything to ensure everything anxiety really crept in. My big- ited college,” he said. It’s also an your information from federal on the requirements from each is accurate. gest regret is devoting too much ongoing process since income, income taxes and you may make a school.” Another issue? Procrastina- time to worrying and not enough assets and other information can mistake,” she added. An error, she Considering schools are tion. Kayla Graniero graduated time applying.” be fluid from year to year. said, will result in getting an award required to verify things like citi- from Pace University last May Completing the application Although each school has its letter that misrepresents the fund- zenship and dependency status, and recalls submitting her FAFSA won’t even take that long, which own deadline, he says the more ing you’re eligible for since your if you don’t respond to a school’s application at the very last debunks one myth. Jerry Inglet, important deadline is the opening information may be verified and request for information, you may minute in January 2013 for the director of the M&T College date of the FAFSA, or October 1 corrected at a later date. delay your award letter and lose upcoming fall semester. Financial Literacy Initiative, said, (it moved from January 1 to Octo- Keep in mind that timing is key. out on funding. New York Post, Sunday, December 11, 2016 nypost.com A15 3 196 LEHMANCOLLEGE-1968 CUNY SCHOOL OF MEDICINE-2016 NEWYORKCITYCOLLEGEOFTECHNOLOGY-1946 CUNY GRADUATE SCHOOL OF JOURNALISM-2006 37 BOROUGHOFMANHATTANCOMMUNITYCOLLEGE- 19 61 19 CUNY-2001 LAGUARDIACOMMUNITYCOLLEGE-1968 AT QUEENSCOLLEGE- 30 19 CUNYGRADUATECENTER- BARUCHCOLLEGE-1968 59 19 MACAULAY HONORS COLLEGE BROOKLYNCOLLEGE- 70 18 CUNY GRADUATE SCHOOL OF PUBLIC HEALTH AND HEALTH POLICY-2016 YORKCOLLEGE-1966 HUNTERCOLLEGE- 47 CUNY SCHOOL OF-1983 LAW 18 QUEENSBOROUGHCOMMUNITYCOLLEGE- 57 19 GUTTMAN COMMUNITY COLLEGE-2011 JOHNJAYCOLLEGEOFCRIMINALJUSTICE-1964 CITYCOLLEGEOFNEWYORK- . MEDGAR EVERS COLLEGE-1970 BRONXCOMMUNITYCOLLEGE- 56 . 19 ng’s City College ng Ta KER ENISLAND-

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COMPLISHMENTS GOAL HIS STORY AC CUNY SCHOOL OF PROFESSIONAL-2006 STUDIES KINGSBOROUGHCOMMUNITYCOLLEGE-1963 HOSTOS COMMUNITY-1970 COLLEGE COLLEGEOFST THECITYUNIVERSITYOFNEWYORK “To connect the classroom to the real world.” Left China to become a software developer, but Homeland Security Department grants support his research on natural and manmade threats to safety and security mentor urged him to think bigger Earned a CUNY Ph.D. in computer vision. Now, helps students realize their own dreams. DREAM MA Hao Assistant Professor, Computer Science Borough of Manhattan Community College New York Post, Sunday, December 11, 2016 nypost.com A16 e upo January! on Jump a Get eitrnwfrclasses for now Register tal2 UYcampuses CUNY 24 all at trigi aur 201 January in starting Session’17 Winter cuny.edu/winter 7.