Budgeting in College

While keeping track of finances may not be of concern to some students, it is a valuable skill to learn for all. Students should take the time to sit with their family and discuss budgeting before arriving on campus for freshman year. Many unexpected expenses could arise and it is important for students and their families to establish a plan for how decisions about these expenses will be made and how they may be paid for.

After the first major decision of how the direct expenses (expenses paid directly to the school) of tuition and fees and room and board will be paid for, families have to take into consideration the indirect expenses which will most likely be incurred. These usually include transportation, books and supplies, and personal expenses such as health insurance. Creating a list of these expenses and calculating what is expected to be needed monthly will help families understand what funds are necessary before the bills come in. A plan should be in place for paying for these expenses before the student sets off for college.

In addition to the expected expenses, it is a good idea to budget for the unexpected such as additional trips or activities the student may want to do and other discretionary spending for the student. Where will these funds come from? Make a plan!

Many students already have their own checking account from saving and working while in high school, but if they do not, it is time to set one up together. Many banks offer a free checking account, but it is worth considering banks local to the college first in case an issue arises. Parents can easily send money to the account as needed and get access to the account summary (if student agrees of course).

There are some very helpful programs to assist with keeping track of budget and spending and it is great practice for life in the 'real world'. Mint is a free program which allows you to set a budget for different categories, keep track of all expenses and bills, and make sure you make your payments on time. At any time you can log in to see where you stand for the month and get a good look at how well you are staying on budget. They also have a mobile app which is perfect for today's students who never go anywhere without their phone.

Should students get a credit card? College is a great time for students to get their first credit card not only to have in case of emergency, but also to begin building their own credit history. They can also begin to acquire points for spending. As long as the student understands what the card should be used for, payments are made on time and you choose one with no fees, it is a great thing to have. Take a look at NerdWallet's May list of Best College Student Credit Cards to get an idea of the associated details to consider.

Keep in mind as you are budgeting for future years that you need to fill out the FAFSA each year to continue to receive financial aid and you can continuously apply for outside scholarships throughout the student's college years. If you have any major changes in your financial situation which would increase your need, be sure to communicate that with the financial aid office as soon as possible.

Make a plan, talk about it, and continue to communicate the importance of budgeting and discussing expenses after the student is on campus. It is a lifelong skill we all need and an important part of your student's journey to adulthood.

Featured in Ask Grand Carol's latest blog post

Learn more about how I can help your family in Ask Grandcarol's latest blog post. We had a wonderful discussion about my work with students and the benefits of hiring a college consultant.

 #collegecounseling #collegeconsultant #swfl

All About Bright Futures

What is Bright Futures? How do you become eligible for the scholarship? If you are planning on or even considering attending college in Florida, you need to know this information and the earlier, the better. While there are 4 types of scholarships which are part of Florida Bright Futures Program, this information is focused on the 2 primary scholarships for students who plan on pursuing an undergraduate degree or certification at a college or university in Florida – the Florida Academic Scholars (FAS) and the Florida Medallion Scholars (FMS).

To be eligible for Bright Futures, students must:

• Be a Florida resident and US citizen or eligible non citizen

• Graduate from a Florida public high school or a registered Department of Education Private institution, earn a GED or complete an eligible Home Education program

• Meet high school college prep coursework requirements

• Be accepted to and enrolled at a Public or eligible private post-secondary institution in Florida

• Not have been convicted of or plead no contest to felony charges

• Meet official standardized test score and GPA requirements

• Complete 100 hours of volunteer service and/or paid work

• Have official transcripts sent from high school

• Complete the Florida Financial Aid Application (FFAA) by Aug. 31 after senior year

Image from Bright Futures Handbook

The FAS scholarship is the highest level available to students and covers 100% of tuition and applicable fees at Florida public institutions. If a student chooses to attend an eligible private institution, they are given a comparable amount which could add up to approx. $6000.

The FMS scholarship is the second tier and covers 75% of tuition and applicable fees or 100% of an associates degree. It also covers a comparable amount at eligible private institutions.

To apply for Bright Futures, students must first complete the Florida Financial Aid Application (FFAA). This application typically opens on October 1 and must be completed by August 31 post graduation. After applying for the FFAA, the student will gain access to complete the Bright Futures application.

Students can send their test scores by simply requesting an official test score to be sent to any of the 12 Florida sate universities, state colleges or public high schools. Students have until August 31 post graduation to meet the testing requirements, which means completing testing by June 30. Scores can be superscored and students can take it as many times as needed to get the minimum required scores. Students can bypass the test score requirements if they complete an AICE or IB Diploma.

Service and work hours must be completed by high school graduation. To verify what activities meet the service hour requirements, students should speak to their high school counselors. Whatever the activity may be, the student must get the signed verification from the appropriate supervisor. Activities which typically count towards the service hours are volunteering for nonprofits, working on local political campaigns, or interning at local businesses. As of June 2022, paid work now counts towards the 100 hour requirement.

Students can complete their application any time after December, when they are able to officially enroll at one of the eligible post-secondary institutions. The funds will be distributed directly to the college. Students should ensure they keep their account updated with the institution they are attending as well as their service hours. They should also make sure their counselor sends their official transcripts.

Both levels of Bright Futures can be used for summer semester and depending on the college's programs, may be able to be used for study abroad. A common misconception is that the Bright Futures is a 'full ride'. However, it covers solely the tuition and some fees. unless a family has a 529. Families should not neglect to seek additional funding such as scholarships and other institutional and federal financial aid. Parents should follow all deadlines to file the FAFSA and CSS PROFILE where required in order to be eligible for other aid.

When families have a 529 Plan, the schools apply those funds first and then the Bright Futures. In this case, Bright Futures funds can be used for expenses other than standard tuition and fees. If there are funds left over, the school will usually give them back to the student to use for additional expenses.

Consider the requirements early as you go through high school and begin to complete the service hours, meet college prep course requirements, and prepare for standardized tests to ensure you do not miss out on these extra funds! Schedule a free consultation with us to discuss Bright Futures and your college search and applications.

College Planning Timeline for Juniors

Spring break is here and many high school juniors are FINALLY coming to the realization that it is time to focus on the college search. Here are my tips and timeline for juniors at any stage in the process. Start now!

1. Spend time researching college and career options

While many juniors have (hopefully) already done this, there are probably equally as many who have not. Most students have had a broad discussion of college plans with their parents and/or high school counselor. What they probably haven't done enough of is actually sit down and do some self reflecting and research. What are their potential career and course of study interests? What type of college do they envision for themselves? What are the requirements for admission to those colleges? They should make it a goal to spend time doing research now while they still have time to visit colleges when the semester is in full swing, prep for standardized tests, and plan summer activities to help them with their admission and final decision.

2. Establish college application timeline and goals NOW

Juniors should draft their timeline for college applications now. Although they may not have their 'list' narrowed down to the final few schools, it is not too early to establish personal deadlines for getting their applications done. The key is to set those deadlines early - take the potential college deadlines and move them back by 6-8 weeks! There can be a lot of unexpected delays, added requirements and other bumps along the college application road, and it is better to be done early than to risk an incomplete application. Students who do not stay organized or prepare early often forget to take into consideration the fact that there are pieces of the applications which are not in their hands. Recommendation letters, high school transcripts, and test scores are just a few examples of requirements which may not be sent directly by the student. Students need to give their counselors and recommenders plenty of time to complete their pieces.

3. Plan Productive Summer Activities

The value of a job shadow, volunteering, or internship for all high school students is often underestimated. There are many other benefits aside from building one’s resume. Students who are unsure of their college major or future career interests should research local companies and organizations where they can shadow or volunteer in the summer. Even a few hours or a week would be helpful for the student to get an idea of what actually goes on in a particular job beyond the standard descriptions read online. While most companies may not want to pay a high school student or don’t openly advertise unpaid internships or job shadows, students should not shy away from seeking them out. Many professionals are open to helping. Students should seek out opportunities for self-exploration and learning more about potential careers and majors before they apply for college and summer is the perfect time for this.

ACM College Consulting, LLC

For more tips check out these other great resources:

The College Essay Guy: https://www.collegeessayguy.com/blog/junior-february-whats-next

The College Board: https://secure-media.collegeboard.org/CollegePlanning/media/pdf/BigFuture-College-Planning-Calendar-Juniors.pdf

The Spring Scholarship Search

Now that college applications are complete, it is a perfect time for HS seniors to use some of their free time for searching and applying for scholarships. There are also many scholarships for younger students, so non-seniors could benefit from dedicating some time to this too. Many students ask me where to search and how to get the most money. Unfortunately, there is no single, simple answer. There are scholarships everywhere just waiting to be found! Here are some tips for your search for the $$$.

Of course getting scholarships from your potential college is the first stop. You should have filled out the FAFSA and/or CSS Profile by now if you have applied to college. If you have not completed those financial aid applications, do it ASAP! Colleges use these forms for determining financial aid awards and much of it is awarded on a first come-first serve basis. You will see what your scholarship and aid awards are on your financial aid award letter which you will receive from your potential colleges before May 1. If you are a junior considering your options, remember to take a look at the academic scholarships and financial aid colleges offer before applying. Some of the scholarships require a separate application and may even have an earlier deadline than the regular college applications. You do not want to miss out on those.

There are so many scholarship search websites it is often overwhelming. Select just 2-3 and consistently check them for updates. Some of the to best pages are:

• Fastweb - After signing up and completing a profile (yes, many pages require this), you will be able to search and get matched with their database of around 1.5 million scholarships. You are able to keep your scholarships organized by those you are not interested in, those you would like to apply for and those you have already applied for.

• Scholarships.com - Scholarships.com updates their database of more than 3.5 million scholarships to be sure to only include legitimate, current scholarships. Similar to fastweb, you sign up and complete a profile to get matched with potential scholarships.

Consider the local opportunities before jumping into the small nationwide scholarships. Great scholarship resources can be local community organizations, student and parent employers, banks, churches, and companies. Most states also have their own form of scholarship or grant for residents, for example the PHEAA grant for PA residents, Florida Bright Futures, and Hope Scholarship in Georgia. Click on your state on this handy map and find out what is available. These can be very valuable resources and should not be overlooked. Some of these statewide programs such as Bright Futures require a certain GPA, test scores, and community service hours which need to be taken into consideration earlier than senior year.

Although it may seem daunting to have to write yet another essay for an application or fill out another form, it may end up being well worth your time. As someone recently pointed out to me, ‘if you spend 2 hours on an application and end up getting $1000, that is $500 an hour. Where else can you get that?’ Take some time and submit quality applications.

A final note of caution to those of you on the hunt for funds - beware of the websites which require payment for access to scholarship lists or people who guarantee they will get you scholarships. As you know by now, almost nothing in the college application world is a guarantee and you are capable of finding the scholarships on free websites.

Additional Resources

National Association of Student Financial Aid Administrators parent and student resources: https://www.nasfaa.org/students_parents_counselors

Read more about scholarship scams here: https://www.consumer.ftc.gov/articles/0082-scholarship-and-financial-aid-scams

SWFL Scholarships

Community Foundation of Collier County

SWFL Community Foundation

Foundation for Lee County Public Schools

Deciphering Financial Aid Award Letters

After coming back from a fantastic training with uAspire on award letter review, now is the perfect time to share some of what I learned or was reminded of. As I receive copies of my students' award letters, I continue to be astonished by how complex and confusing these letters can be, especially for those not familiar with the financial aid jargon. It is disappointing that some schools continue to take advantage of the students and families by presenting their packages in very deceiving formats leading families to believe some colleges are more affordable than they actually are. An important part of the work I do with my families is helping them decipher these letters and make an informed college decision.

Award letters arrive sometime after the student has been accepted and completed the financial aid information such as the FAFSA and/or CSS Profile. Each school has their own timeline for when they send out financial aid information and it can arrive any time up until the May 1 decision day. Although we still refer to it as a 'letter' it is now usually an email or web page the student can access within their college portal.

First off, it is crucial that you understand which types of expenses you will incur and what the different types of aid are. Total cost of attendance should be broken down into several categories such as tuition & fees, room & board, and books & transportation. The tuition & fees and room & board are Direct Costs which are paid directly to the college. The other expenses are Indirect and can vary significantly depending on which classes the student takes, what activities they participate in, where they purchase their materials, and how and when the student will be traveling between home and college. The Indirect Costs are more controllable by the student.

Financial aid can be broken down into two distinctive categories – Gift Aid which consists of grants & scholarships and Self-Help which consists of loans, family contribution, and work study. Unfortunately, colleges often bundle the Self-Help into their financial aid package which leads families to believe they will be paying less. However, the loans and work study are entirely on the student and family to take care of. It is important to know that a Direct Parent Loan also known as Federal Parent Plus Loan is something which is not guaranteed and often has borrowing terms less favorable to other loans such as the federal student loans, yet colleges almost always include it as part of their package. Work study is also not guaranteed and students have to find a qualified job on campus and work to earn that money.

So when reviewing your financial aid packages, be sure to calculate your true total cost of attendance by adding all direct and indirect expenses and subtracting grants and scholarships from that total. Do not include loans, work study, parent contribution or anything else listed on the award letter which will require payment from you. This final number will be the amount you will need to fund yourself whether it is via federal loans, private loans, work study, or finding additional scholarships. If you feel that the financial aid office made an error in calculating your aid, your financial situation has changed or another school has made a more competitive offer, you can always consider appealing.

Be sure to weigh your college and finance options carefully before making a final decision. If the letters are not clear to you, do not hesitate to call the financial aid office and ask for clarification. In the end, you may need to ask yourself some difficult questions such as if a certain school is worth that high final price tag or if you would prefer to save that extra money for attending grad school later. Make use of some of the free online calculators to get a better idea of what your monthly loan payments would be. Remember to look into the terms of each loan such as if it is subsidized or not, when the repayment begins, if repayment plans are income based, what the interest rates and loan fees are, and if payment can be deferred. Whatever you decide, ensure you are making a financially safe decision.

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For a breakdown of some of the financial aid terms, check out my previous post here: https://www.acmcollegeconsulting.com/blog/2018/10/22/all-about-the-fafsa

If you still have not filed the FAFSA, do it NOW: https://studentaid.ed.gov/sa/fafsa

If your school has requested additional financial aid forms or verification, be sure to complete them as soon as possible to ensure you receive the highest amount of aid possible. Remember, some aid is given on a first come, first serve basis.

New Years Resolutions for College Going Teens

Most 15 and 16 year olds are thinking about their next game, their latest high school crush, surviving AP classes, or getting their driver’s license, not about their college plans for 2 -3 years down the road. It seems a bit unfair that they should have to think about such important things at a young age, but that is what the process has become and it is in their best interest to start early. Here are four resolutions for high school students considering college.

Sophomores

Spend time researching college and career options

By now, many students have had a broad discussion of college plans with their parents and/or high school counselor. What they probably haven't done is actually sit down and do some self reflecting and research. What are their potential career and course of study interests? What type of college do they envision for themselves? What are the requirements for admission to those colleges? They should make it a goal to spend time doing research now while they still have time to adjust their high school path, visit schools, prep for tests, and set up job shadowing and classes to help them with their admission and final decision. That small amount of time they spend over the next year has the potential to make a BIG difference.

Juniors

Establish college application timeline and goals NOW

Students in their next to last year of high school should establish their timeline for college applications now! Although they may not have their 'list' narrowed down to the final few schools, it is not too early to establish personal deadlines for getting their applications done. The key is to set those deadlines early - take the potential college deadlines and move them back by 6-8 weeks! There can be a lot of unexpected delays, added requirements and other bumps along the college application road, and it is better to be done early than to risk an incomplete application. Students who stay organized and work ahead often forget to take into consideration the fact that there are pieces to the applications which are not in their hands. Recommendation letters, high school transcripts, and test scores are just a few examples of requirements which may not be sent directly by the student. Students need to give their counselors and recommenders plenty of time to complete their pieces.

Seniors

Continue to put forth best effort in school and remember college decisions are NOT everything

By now many students at this stage in their high school careers have completed their applications, especially those for out-of-state colleges. Most of those even have their offers of admission already. The first of two resolutions for students at this time are to continue to put forth their best effort in school. There are plenty of other students willing to take their spot at their potential future college and there is little room for slacking and decline in grades. Colleges do pay attention to this and indeed have the power to revoke their admission offer if they feel the student is not meeting their academic standards.

The second resolution and unarguably the most important, is for students to remember that admissions decisions are not everything. Unfortunately colleges are unable to truly get to know each student before making an acceptance decision. Although a student may not have gotten into their dream school, their future is still very bright and they have plenty of opportunity to shape it the way they want it to be. Every college has something great to offer, students just have to take advantage of it. I do believe some colleges are better fits than others and strive to help students find the best matches, but ‘the perfect college’ does not exist. College is only the beginning of the journey. It can be a spectacular part of it, but it is not everything and it is certainly not the end.

For more new years advice for teens and their parents, check out the January issue of UnMazed Magazine.

The Decision Season Panic

As admissions decisions continue to roll in, some students are celebrating while others are unfortunately beginning to panic. What has become clear so far this year is that most if not all 'upper level' schools are increasingly difficult to get into and the number of early applications has once again jumped. The unpredictability of it all has become more evident than ever. Highly qualified students are shocked to find out they did not get into their colleges and are beginning to worry that they will not get in to any that they want. While it is perfectly normal and reasonable for the students to be concerned about not getting into their favorite schools, there is a lot which can be done to get these students into a more stable situation during this confusing college application season.

1. Make a BALANCED List They LOVE - an idea that is by no means revolutionary, but still not entirely understood. Students continue to make very top heavy college lists. Even worse, they are putting back up schools on their list which they would not be happy with. It is worth the time and effort to do the research early on and establish a list which is balanced and which does not include schools the student merely added to have a safety. They need to understand that nothing is a guarantee and a safety school should still be one they would be happy to attend. As with any of the schools on their list, it would be even better if the student has had the opportunity to visit their safety schools and know what they are like before including them on their list. The last thing anyone wants is to end up only getting in to the 'mystery' school they added in a moment of panic. If students make a balanced list they love, they will be able to get through application season with less anxiety over the possibility of not getting in anywhere or only getting into a school they are not even interested in attending.
   

2. Understand the Options – students need to have a clear understanding of the application options and what they can do with the decisions they receive. This plan should be established before application season, not after the decisions are already coming in. Students should be aware of the true meaning of applying ED and EA and have a plan set in place for the possible denial from those schools. (Check out my previous post for tips on what to do with the decisions for how to handle deferrals and waitlists.)
   

3. Stop the Comparison – as mentioned, the unpredictability of college admissions is more evident than ever. The stories of highly qualified students getting turned down while their counterparts get accepted are countless. Students with nearly identical credentials are getting very different responses. Although easier said than done, students, their parents and counselors need to stop the comparison and big name game. One's college acceptance is not a determination of their future success or in many instances, an accurate assessment of the work they have done thus far. There are so many factors which have to do with enrollment quotas, diversity, distribution of financial aid, and massive increases in the various application pools that make the admissions system much more complicated and difficult to predict or even understand. Being a top student is no longer an automatic in and there are so many great schools which may not be well known, but nevertheless provide top notch education. Students need to understand that they can forge their own paths to success at any college they choose, and not getting into a top school does not make them any less of a person.

While not getting into a top choice school may be a shock and of course a disappointment to any student, we can all play a part in reducing the stress, anxiety and panic surrounding college applications and decisions. We have to assume the admissions counselors are making the best decisions they can with the time, demands and resources they have. We can not begin to try to understand the reasoning behind each decision they make and need to prepare our students for any response they may receive.

Counseling Resources on Campus

Recently, colleges have become more aware of the increase in mental and physical health issues among their students and have drastically improved the services and resources available to them. With nearly one third of all students having a diagnosable mental health issue at some point during their freshman year, these resources are invaluable. However, despite the plethora of resources available to them, at least 40% of the students experiencing mental health issues are not getting the help the need. The main problem is not the lack of resources, but rather the student not taking the initiative to seek them out.

One thing students should do early is inform themselves on the campus resources available to them while on tour and considering which schools to add to their list. Once accepted, students should make it a point to get even more familiar with the mental and academic counseling options their college provides - many offer both right on campus. In fact, many schools actually have trained mental health professionals and psychologists on staff and they usually have walk-in hours as well as appointments. From support groups to tutoring or private counseling sessions, many forms of help are available.

Students need to understand they can get counseling for nearly any issue ranging from sinking grades, eating disorders, test anxiety, and sleeplessness to roommate problems, depression, and alcohol and drugs. No issue is too small and it is better to seek help before the problem develops further and continues to disrupt life. The common rule of thumb is if it has been a disturbance for more than two weeks, seek help. Students should never hesitate to give either the academic or mental health counseling offices a call and set up an appointment or just walk in to discuss their options.

In cases of emergency or after-hours, students can call campus emergency numbers, local community agencies, 911, or the National Suicide Prevention Lifeline and even text the Crisis Text Line for help. They should make a list of these important resources to have on hand.

Whether it is an academic advisor, career counselor, tutor, or roommate, students should also find someone they are comfortable speaking with and not be ashamed of discussing their issues. While these people may not be the proper ones to help, it is always better to talk to someone about problems than to keep them to yourself. At the very least, this person can advise them to seek help where appropriate or get them help when they are concerned.

If students have mental health issues before entering college, it is particularly important that they establish a plan and know where to go when they will need help. It may even be worth considering establishing a relationship with a mental health professional on campus or locally before the stress of freshman year begins.

Whether or not students think they will need some sort of counseling, they should learn about their options and understand that there is no shame in seeking help. Adapting to college life and adulthood is challenging and at one point or another, we could all use some help.

As parents and educators, teaching students to self advocate and take advantage of the resources available to them is an important part of preparing them for college and beyond. We need to make sure our students are comfortable with asking for help when needed and that they know where to go for that help.

For more information visit:

https://www.nami.org/Learn-More/Fact-Sheet-Library

http://www.mentalhealthamerica.net/life-campus

https://suicidepreventionlifeline.org

https://www.crisistextline.org

Admissions Decisions

As the admissions decisions are rolling in, students could be faced with several different responses. It is important that you weigh your options and make a decision you are happy with. While you may be disappointed with some of the responses you receive, remember that there is a college for you! This is why you created a 'list you love' to start with.

DEFERRED

If you applied early to colleges, you may soon be very familiar with the word deferral. Getting deferred is not necessarily a bad thing. It just means that the college would like to reconsider you along with the next pool of candidates. Chances are, the pool of candidates in regular decision is not quite as strong as those in early action or early decision and as the numbers of early applications continue to increase, more students will be deferred. Unfortunately, statistics on the percentage of students deferred and then eventually accepted are hard to come by, but in general, colleges defer around half of their early applications to the regular decision pool. For example, last year Yale deferred 55%, Middleburg deferred just 17%, and Harvard deferred over 70% of the early applicants.

What should you do? Some colleges will give you specific requests for more information such as grade reports or additional letters of recommendation. Others will straight tell you not to send anything else. Whatever they ask, make sure you follow. If they do not make any requests, you should do everything you can to improve your chances. Keep your grades up and write a letter to admissions reaffirming your interest. Basically do as you would if you were waitlisted (read below).

Keep in mind that if you are deferred, you are no longer required to attend that college if eventually accepted. You should continue to apply to other colleges of interest. If you no longer wish to be considered, inform the college of your decision and free up that space for another student. Remember, being deferred is basically a second chance for consideration, but you should still keep other options open.

WAITLISTED

Almost 40% of colleges use a wait list and they put an average of 10% of all students applying on to that list to fill spots of students who do not accept their offers of admission. Unfortunately, these lists often give students a sense of false hope as the chances of actually being taken off of the waitlist are very slim. In 2016, an overall average of 23% of students on waitlists eventually got accepted and an even lower 14% were accepted from the lists of highly selective schools. So as can be expected, the more selective the school, the lower the chance that you will be taken off of the list.

If you are one of the the small group of students waitlisted, there are several things you can and should do. First, decide if you are truly still interested in the school and even want to be on the waitlist. Consider your chances of actually being taken off of that list. You can also contact admissions and find out where you stand on the list. Are there different pools? If so, are you in the priority? Do you really want to wait it out? Colleges may not inform you of the final decision until after the May 1 National Decision Day when they have a good idea of who has accepted their offers of admission. If you do decide to wait it out, make sure you have your backup school lined up and are ready to submit the deposit before the deadline if you are not pulled from the waitlist in time. Second, do everything you can to improve your chances of being taken off. Write a letter to admissions reaffirming your interest in the school and your hopes of attending. Continue to remain in contact with your local admissions representative and keep them updated with your grades and test scores, particularly things which show progress/improvement since you applied.

ACCEPTED

Congratulations! You officially have until May 1 to make your deposit and enroll in your chosen college. It is important to pay attention to applications and deadlines to enroll in extras such as orientation programs, spring accepted student events, and different housing options. Some of those go on a first come, first serve basis, so do not wait until May 1 if you are sure of where you want to go! It should go without saying, but as always, continue to keep up your grades and send in any final reports requested.

ACCEPTED TO BRANCH/PARTNER CAMPUS, INTERNATIONAL PROGRAM or SUMMER SEMESTER

Some students may open their acceptance letters to find unexpected responses. There are several types of non-traditional acceptances various colleges currently offer. Some examples include acceptance to one of NYU's international campuses for the first year, Notre Dame's Gateway program at Holy Cross College, or a summer semester before you join the rest of the freshman class on campus. While you may be disappointed or confused by these offers, they are definitely worth consideration. They are indeed still acceptances and offer great experiences to bond with a smaller group of students before merging with the rest of your class on the main campus.

DENIED

While it certainly isn’t a decision you were hoping for or in some instances expected, chances are you are going to get a few of these. Allow yourself a moment to be upset and then MOVE ON! Consider your other options and decide which remaining colleges are the best fits. The whole purpose of applying to a balanced list of colleges was to give yourself several different options for when decisions like this come in. You should have many other great options on your list and if you do not, it is not too late to apply to more. Many schools have application deadlines which span into the Spring. Also, if you are denied from an ED I or EA pool, you could consider applying ED II to another school. Various top colleges have ED II deadlines early to mid January, so there is still time to get those applications in.

Whatever those admissions letters may reveal, you ALWAYS have options. Take the time to make a decision which is in YOUR best interest. There is a school for everyone, you just have to look for it.