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Unit 8: Financing CollegeUnit designed by Glynis Bradfield These are the student materials for Unit 8 of the free online course Preparing for College and Career. The course is a comprehensive faith-based journey through personal management, college and career exploration, preparing teens for life after high school. Nine self-paced, teacher-facilitated units were created with sophomores in mind, but are open to all teens. Flexibly available for use as a full semester or summer enrichment course, or as a supplemental resource for Adventist Academy teachers.?Unit IntroductionThe units on building personal management skills and exploring careers prepared you to research colleges and universities that might best fit your goals and God’s leading. The next step is learning how to calculate the real price of each preferred college or university. The activities in this unit will help you learn about the scholarships, grants, work-study, loans and lifestyle choices that should all be budgeted before making decisions about paying for college. What Do I Need to Know? You will need to have finished the units on understanding your skills, abilities and career interests, since that information provides the building blocks you will need in place before starting this unit. You will also want to have investigated college and universities that will have the right program as well as the atmosphere you feel best fits your priorities and values.Feel free to explore suggested links outside of the time dedicated to completing this course. Invite your parents or guardians to watch the videos with you, since paying for college is a team effort and making plans together now can open up great opportunities in future.What will I learn in this unit?By the end of this unit you will be able to answer these questions: What are some financial questions that I will ask when I visit a college or university? (Lesson 1)How does financial aid work? (Lesson 2)What is the true value versus sticker or market list price? (Lesson 3)How can I compare the cost of colleges using net price calculators and gross costs? (Lesson 4)What are my personal goals for becoming a scholarship-ready student? (Lesson 5)Unit Intro VideoUnit 8 IntroductionPowerPoint for the introductory video for Unit 8 of the course Preparing for College and Career. This PowerPoint contains a brief summary of the lesson objectives covered in this unit. Getting StartedSome of the assignments in this unit are projects that may require planning in advance.This unit’s main project is to build a table comparing the cost of at least 3 universities or colleges. Lessons 1 and 2 prepare you for this assignment in Lesson 3, so make sure to complete them before starting Lesson 3.You will need your parents or guardians to help you complete Lessons 1 and 3, so you may want to let them know in advance. Also, look through the lessons and let them know what information you will need when you work through the lessons together. Additional ResourcesThese resources are recommended to learn even more about financing college: How Financial Aid Works40 Money Management Tips for College Freshman (high school students and parents can benefit by reading now!)Pay for College: Videos & articles with expert tips on college costs, financial aid, & scholarshipsPaying for College InfographicKhan Academy’s full series on Paying for College – 32 video tutorialsScroll through Timeline: Paying for College for prompts on what your family should be working on each year through high school to best afford education after high schoolUS News: The Best Private Student Loans 2018. Learn how to maximize federal and free financial aid, how private loans work, their drawbacks, and how to choose the best student loans?Lesson 1: Developing Financial QuestionsWhat Will I Learn? By the end of this lesson, you will be able to answer these questions:What key terminology should I know related to funding my college studies?What questions do my parents or guardians and I have about paying for college?Learning Activities Living outside the USA? Please note that Lessons 2, 3 and 4 include information that is very specific to funding university or college study in the United States. If you’re planning to attend university in another country, please email the instructor before continuing, noting you will work with your parents and school counselors to research alternate information in that country about paying for college. The project in Lessons 3 and 4 contains elements that are key to the decision-making process and can be adapted no matter where you are planning to study after high school.?WatchWhile watching these videos and reading the infographic below, make a list of questions you have. Ask your parents or guardians to watch, read and share their questions too. Add their questions to your list.Paying for College: An OverviewOptions to Pay for College – Click on the 6 links in the left bright green menu to watch the short videos listed below:3 steps to financial aidHow to apply for aidHear how others payUnderstand college costsSearch for scholarshipsLearn about loansReadRead this infographic, then share the infographic and videos with your parents or guardians.Paying for CollegeDiscussion: Questions about CollegeDirections1. Write a post responding to the following prompt (50 words minimum):Create a list of 5 or more questions about college, including your questions and any your parents had that were different from your questions.2. Read through at least 10 other students’ posts (or as many as have been posted, if there are less than 10).3. Respond to two other students’ posts, contributing a new idea or thought to the discussion (20 words minimum each). Teacher note: Grade using the Discussion rubric.Lesson 2: Understanding Financial AidWhat Will I Learn?By the end of this lesson, you will be able to answer these questions:What are the different types of financial aid?What are the steps to getting financial aid?Learning ActivitiesReadReview the questions you and your parents listed about college in the last lesson, paying particular attention to the questions about financial aid. As you read the articles below, look for answers to those questions and also look for actions you can do now to prepare yourself to receive financial aid when you are ready for college.3 steps to getting Financial AidFinancial Aid FAQS - read and watch the embedded videosHere are more excellent resources to help you save for college and learn how financial aid works in the United States: For Parents, and For StudentsDiscussion: Financial AidDirections1. Write a post responding to the following prompt (50 words minimum):Why is it helpful to learn about paying for college early in high school? Think about all aspects of financial aid, including scholarships and grants, work-study programs, and loans.2. Read through at least 10 other students’ posts (or as many as have been posted, if there are less than 10).3. Respond to two other students’ posts, contributing a new idea or thought to the discussion (20 words minimum each).Lesson 1-2 QuizThis lesson contains a cumulative quiz for Lesson 1 and Lesson 2 with 11 questions. Most of the questions are true and false or multiple choice questions. If you are a teacher and would like to have access to the quiz questions to use with your students, please email Glynis Bradfield.Lesson 3: Comparing True Value and Market PriceWhat Will I Learn?By the end of this lesson, you will be able to answer these questions:What are the definitions for key terms such as net price, list price, grants, loans, work-study, and scholarships?How can I find and use a net price calculator on at least three college or university websites?Learning ActivitiesReadRead the articles below, focusing on understanding how net price works and looking for tips that will help you use net calculators effectively.How to Get the Best Estimate of Your College CostsFocus on Net Price, not Sticker Price – all about how net price calculators workEstimating Cost of Attendance - Adventist Colleges & Universities in North AmericaWatchUsing a Net Price Calculator PowerPoint for the video introducing net price calculators in Lesson 3 of Unit 8 of the course Preparing for College and Career. The PowerPoint contains a brief overview of net calculators and describes how to use them. Project Preparation1. Choose 3 colleges or universities you listed in your Career Matrix in Unit 8.2. On the website for each selected college or university, search for ‘Net Price Calculator’Use this shortcut if you are looking for an Adventist North American college or university calculator (scroll down to see the list of calculators).3. Contact your parents or guardians to get help filling in the answers. The more accurate the information you put in, the more valuable the report you will receive.4. Save each report into your folder for this class. Name each report as ‘Net Price Calculator for [fill in university or college name]’. Print or forward a copy to your parents. You will continue this project in Lesson 4.Lesson 4: Calculating the Real PriceWhat Will I Learn?By the end of this lesson you will be able to answer these questions:What life factors may impact my real cost of living during my college years?How can I calculate and compare best estimates of real costs using personal information and net price calculator reports?Learning ActivitiesWatchWatch the videos below, focusing on identifying the elements of financial aid and how to compare colleges based on the net and gross costs.Financial Aid Package Components: Parts 1, 2 & 3Click on the image in the sidebar to watch the video: How to Tell What College Will Really Cost?Calculating the Real Price PowerPoint for the video exploring the effect of personal factors on personal budgeting in Lesson 4 of Unit 8 of the course Preparing for College and Career. The PowerPoint contains information on personal factors that can impact budgeting and a brief overview of this lesson’s activities. Assignment: Real Price Comparison ProjectDirectionsThis learning activity builds experience using information from net price calculators along with other information to compare real costs between schools. Download the Net Price Comparison worksheet (or pdf), read the directions and information carefully, then fill out the information for each college in the chart and answer the questions below the chart. Save the worksheet to your folder, and upload the worksheet here to submit the assignment.Teacher note: Grade using Fill-in Assignment rubricDiscussion: Real PriceDirections1. Write a post answering the following questions (50 words minimum):Looking at your worksheet, what is the relationship between the list or sticker price and the out-of-pocket amount your family will pay for each school?Is the cost to you highest at the institution with the highest tuition? Were you expecting what you calculated? Why or why not?2. Read through at least 10 other students’ posts (or as many as have been posted, if there are less than 10).3. Respond to two other students’ posts, contributing a new idea or thought to the discussion (20 words minimum each). Teacher note: Grade using Discussion rubricLesson 5: Becoming a Scholarship-Ready StudentWhat Will I Learn?By the end of this lesson you will be able to answer these questions:How can I find information about scholarships?What are the signs of scholarship scams, and how can I avoid them?How can I prepare now to maximize my scholarships in the future?Learning ActivitiesAs you read these articles and watch the videos, pay particular attention to information that will help you better understand scholarships available, scams to avoid, and things to do now in preparation for getting scholarships to help pay for college studies.Read1. 10 Ways to Jumpstart College Planning2. ABCs of Scholarships - Adventist Colleges3. Scholarship Scams4. Scholarship Safety5. Volunteering: How Helping Others Helps You6. Balancing High School and Part-time WorkWatch Extracurriculars Matter – To You and To CollegesInformal Interviews 1. Ask your parents or guardians about scholarships that may be available to you through their employment or military status.2. Ask adults who have been employed in your community for several years about any scholarships through local organizations.3. Ask a relative who has attended college in the last few years whether there were any scholarships available based on criteria such as your ethnicity, legal status, or location.4. Research the scholarships that were mentioned during your interviews to identify the requirements for those scholarships. Volunteering and writing essays are common requirements for scholarship applications. 5. Go to the next page to complete this week's assignment, and keep in mind the criteria for the scholarships you are interested in as you create a plan for becoming scholarship ready.Assignment: Scholarship Action Plan Directions1. Download the Becoming Scholarship Ready worksheet (or pdf).2. Read the directions carefully, then fill out the chart to create an action plan to becoming scholarship ready.3. Use the rubric on the second page to check your work.4. Show the chart and rubric to a parent or other adult who knows you and your situation well. Answer their questions and use any suggestions to update your plan. 5. Save a copy to your folder for this course and upload the worksheet on this page to submit the assignment.Teacher note: Grade using Fill-in Assignment rubricLesson 3-5 QuizThis lesson contains a cumulative quiz for Lessons 3, 4, and 5 with 9 questions. Most of the questions are true and false or multiple choice questions. If you are a teacher and would like to have access to the quiz questions to use with your students, please email Glynis Bradfield.Rubrics Used in This UnitResources Used in this UnitFiles and WorksheetsNet Price Comparison (or pdf)Becoming Scholarship Ready (or pdf)Video PowerPointsUnit 8 Introduction Using a Net Price Calculator Calculating the Real PriceInternet Resources3 steps to getting Financial Aid10 Ways to Jumpstart College Planning40 Money Management Tips for College Freshman ABCs of Scholarships - Adventist CollegesAdventist North American college or university calculatorBalancing High School and Part-time WorkEstimating Cost of Attendance - Adventist Colleges & Universities in North AmericaExtracurriculars Matter – To You and To Colleges (video)Financial Aid FAQSFinancial Aid Package Components: Parts 1, 2 & 3Focus on Net Price, not Sticker Price – all about how net price calculators workHow to Get the Best Estimate of Your College CostsHow to Tell What College Will Really Cost?(video)Khan Academy’s Paying for College – 32 video tutorialsOptions to Pay for College Pay for CollegePaying for CollegePaying for College InfographicPaying for College: An OverviewPreparing for College and CareerScholarship SafetyScholarship ScamsTimeline: Paying for College US News: The Best Private Student Loans 2018?Volunteering: How Helping Others Helps YouYour Federal Student Loans: Learn the Basics and Manage Your Debt ................
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