Paying For College

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A College Freshman Offers Her Advice To This Year’s Seniors

Advice From A College Freshman

I recently caught up with one of my former students, Meagan, who is now a freshman at CCSU’s Honors Program. We got to talking about her college search and the ups and downs of it. At one point I asked her what she would have done differently if she had the opportunity to go back and do it all over again knowing what she knows now.

That question led to a few others that I think would be incredibly helpful for this year’s senior class.

The following are some of the questions I asked Meagan with her answers.

Q1: What was the one thing about the college application process that was a lot harder than you thought it would be?

One of the hardest things about the college application process was writing and editing the essay. It’s hard enough trying not to second-guess yourself the whole time, let alone choose a topic to write about that speaks to you. I got really hung up in trying to pick a topic that wasn’t cliché, or hadn’t been done before, when in reality, no matter what topic you choose, some version of it has been done before. It’s just all about how you present it. Editing took a lot longer than I thought as well, since I’m so used to writing one or two drafts and then being done. But when it was over, it was the greatest feeling being able to upload it online and hit send knowing I’d never have to look at it again.

Q2: What was the biggest surprise?

The biggest surprise for me was how quickly deadlines came up. Although I was able to manage my time decently, things got crazy that first half of the year due to sports, school, and life in general. Sometimes it felt like time was never on my side. After every due date had come and I looked at when the next one was, I would think, “I have plenty of time to do that.” And then I’d look at the calendar later on and realize I only had a week to prepare whole supplementary essays.

Q3: If you could do it all over again, is there anything you would do differently?

If I could do it again I wouldn’t talk to my friends so much about their essays or their applications. When I listened to them tell me what they were doing, I would question myself and wonder if they had better ideas. Then I would go back to essays and psych myself out thinking it was horrible and incomparable to my friends’ essays. I just put way too much stake in what they had to say, when I should have just been focusing on what I needed to say.

Q4: What advice would you give to this year’s crop of seniors?

I would tell this year’s seniors to 1.) Chill out, 2.) Manage your time wisely because it WILL come back to bite you, 3.) Focus on yourself and not what your friends are doing, and 4.) Be realistic.

Time management during the application process saves a lot of stress and unnecessary anxiety. Keeping yourself sane during the process is important if you want to truly give colleges an accurate representation of you.

Although you value your friends’ opinions when you need them most, I strongly feel that this rule does not apply during the college application process. If you’re always asking different people things about essays, or where you should and should not apply, you’re going to get a million different answers and opinions that will leave you more confused and unsure than when you first asked. College application season is exciting because you’re thinking about the future, but what matters most is your voice and where you want to be – not your friends. It also saves you a lot of stress to not get wrapped up in their college stress too.

Being realistic will prove to be invaluable in the future. Take everything into account: cost, location, distance, and your grades. College is expensive, there’s no getting around it. It’s difficult to find a school you love without breaking the bank, but knowing you’ll graduate without $50,000-$100,000 of debt is a great feeling. Location is also important because if you want to be able to visit more than once or twice during the year, you might not want to move to Florida or out to California because flights are expensive and need to be considered. (However, if you’re not planning on visiting often, I highly encourage going to a place with nice weather.) Being realistic about what you did in high school is also important. I have seen many friends be blinded by how much they love a school and completely forget that there is a possibility of rejection. Seeing that heartbreak is not fun for any of the parties involved.

I feel like seniors freak themselves out over the college application process way too much (I know I did). No matter what happens, things will fall into place. I saw my friends crumble over applications to schools they desperately wanted to get into but when it comes down to it, you’re going to end up where you need to be even if it isn’t exactly what you first envisioned.


If you want some help and guidance on your college search and application process, contact me today to set up an appointment for a free consultation. 

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Understanding Financial Aid Methodologies

Applying For Financial Aid

So you know you will be applying for financial aid and you’re hearing something about methodologies.

Well, you’re hearing right. Methodologies is plural. There’s more than one. In fact, there are actually two methodologies for calculating financial aid: federal and institutional.

The federal methodology is used by the federal government when you submit the FAFSA (Free Application for Federal Student Aid) while the institutional methodology is used by individual colleges who require you to submit the CSS Profile, which is actually administered by the College Board.

So, what’s the difference beyond the names?

Good question.

While the FAFSA is required by all schools, only a couple hundred private schools require the CSS Profile. So, if you’re applying to the University of Connecticut, you won’t be required to fill out the CSS Profile. If you’re applying to Wesleyan University, a highly selective liberal arts college, you will be required to submit the Profile and you will then be subject to the more stringent requirements for aid eligibility.

The institutional methodology most often shows that a family needs to pay more for college than the federal methodology due to some of the following reasons:

1. If you own a business, 100% of its equity will be assessed.

2. Assets held in the names of siblings will be considered parental assets and assessed as such

3. Your home equity will be considered an asset

4. Only untaxed social security benefits for the student will be excluded. Benefits for the parent will not be excluded.

5. Pre-tax contributions to flex-plans for healthcare and dependent care are assessed as untaxed income

6. Education tax credits are assessed as untaxed income

Essentially, the federal methodology is much more forgiving than the institutional methodology. Since private colleges are dipping into their endowments to award institutional aid to their best applicants, they want to make sure this money is being used wisely (a very subjective term, here).

So, at the end of the day, take a close look at which schools you are applying to so that you know who is going to require the CSS Profile. Not all private schools will, but the more selective the school, the greater the chance that it will be required. You can find this information on the school’s financial aid website of by visiting the list of participating schools and programs on the CSS Profile webpage.


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Applying For Financial Aid

Applying For Financial AidIf your son or daughter is going to college, then you already know that you need to apply for financial aid. What you may not know is that there are two different financial aid applications.

First, let’s talk about the application everyone needs to fill out before we talk about the application some of you will need.

The FAFSA is the Free Application for Federal Student Aid. It’s the application that is required by every college in order to consider and then award financial aid to your son or daughter. The FAFSA is free and while it will take some time to fill out, if you organize yourself ahead of time it will be much easier.

The FAFSA is a smart form which you will find very helpful. Based on the information you enter, the FAFSA customizes the questions so that you only need to answer questions that pertain to your individual situation.

While everyone needs to fill out the FAFSA, based on colleges you are applying to, some of you may also need to fill out the CSS Profile.

The Profile is only required by a couple hundred private schools in addition to some scholarship programs. Unlike the FAFSA, the Profile is not free. It will cost you $16 to register and then an additional $9 per school for each school to which you send the form.

Starting your Profile application is a two-step process. First, you must register. And you must do this in one shot. There’s no saving and going back, so get your documents and information together first, register for the Profile, and then complete the applications.

To help yourself out with the FAFSA and the CSS Profile, you will want to collect the following before you get started:

  • Student’s social security number
  • Student’s driver’s license number
  • Statements for checking and savings accounts
  • Copy of last year’s tax return and W-2’s
  • Statements for any investment accounts
  • Current mortgage statement (Profile only)

Both applications go live on October 1st so it’s important to start your financial aid application planning now. While the college admissions process is about to take center stage for the next couple months, it’s also time to think about the financial end of things. It can get complicated with college visits, prepping for the ACT and SAT, completing applications and looking at the financial picture.

If you want some help and guidance to make sure you’re doing it right, set up an appointment today for a free consultation.

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Worried About College Costs? Look For Merit Aid

Dobler College ConsultingLast week I talked about several things any family can do to help themselves as they attempt to navigate the college admissions journey.

Here’s the post in case you missed it.

Since that post, I’ve heard from a few families and, inevitably, what they are most concerned with is college costs and how to pay for them. One mom in particular asked about what private scholarships to apply for and when to start looking. It was a great question, not because I think there are a ton of difference-making scholarships out there for her daughter, (or for any student, to be honest) but because it paints the picture of misinformation that parents are operating under.

You see, while you can invest time in searching for private scholarships, the likelihood that your son or daughter is actually going to win enough money to make a difference is slim. Your chances are better if you start searching for local scholarships first but, ultimately, your time would be better off spent looking for colleges where your son or daughter would qualify for merit aid.

Merit aid is the “free” money – grants, scholarships and discounts – that a college awards to an admitted student without regard to their financial need. Merit aid is often renewable money while private scholarships are typically one year awards and, the more competitive a student’s grades and test scores are, the more merit aid they can qualify for.

Knowing that private colleges, as a whole, discount about 50%, a competitive student admitted to a college that charges $40,000 for tuition and fees (room and board is extra) could expect to receive upwards of $20,000 in merit money. By competitive, I’m talking about students whose grades and test scores fall into the top 25% of who a college admits. You can rather easily find this information by looking up a school on the College Board’s Big Future website and then plugging in your grades and SAT scores under the Applying tab.

Considering that the average private scholarship is less than $3,000, don’t you think it makes more sense to look for merit money?

Me too.

Want some help navigating the college admissions journey? Give me a call now at 203.525.4096 or email me at eric@doblercollegeconsulting.com to schedule a FREE consultation to discuss your college counseling needs.


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Reducing The Costs Of College

Dobler College ConsultingIt seems like every time I go out to meet a new student and his or her parents, the thing we spend the most time talking about is college costs.

And it’s completely understandable. With costs rising at astronomical levels over the last couple decades, there are very few people out there who aren’t worried about how they will pay for college.

Consider that in 1993, when I graduated from Naugatuck High School, the average cost for tuition, room, board and fees was $24,504 for a private college and $9,513 for a public school. In 2012 those numbers increased to $39,518 and $17,860, respectively.

Let me do the math for you. That’s a 61% increase for privates and an 87% increase for publics.

And that’s just in 20 years. If you go back to 1972, the cost of a private school education has gone up 137% while it’s only gone up 124% for public schools. How’s that for sarcasm?

Once you pick yourself up off the floor, you can look up these numbers yourself on the College Board website.

The funny thing is that even though these figures are out there for everyone to see, I still see so many college applicants falling in love with schools that will be completely out of their reach financially. I hear things like, “we’ll figure it out” and “well, maybe I’ll get more money” when the reality is that they won’t figure it out and they won’t get more money.

What they will get is disappointment. Frustration. Anger. Resentment.

If you don’t want to get what they’re getting, pay close attention to just how generous or stingy colleges are with their money. Understand your EFC and what it means in the context of what a college may offer for you financial aid. And, most of all, make informed decisions.

I’ve written a few posts about these very ideas and if you haven’t read them yet, now would be a good time:

What You Need To Know About The Costs Of College

Why Some Financial Aid Offers Will Underwhelm

Why You Should Know Your EFC

You can trust Dobler College Consulting to help you navigate the college admissions journey. Give me a call now at 203.525.4096 or drop me an email to schedule a FREE 60-minute consultation to discuss your needs for college admissions counseling.

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