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The Kids' College Almanac: A First Look At College (Kids' College Almanac: First Look at College) PDF

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1593571046_ColAlm3 4/4/05 4:26 PM Page 1 $16.95 (HIGHER IN CANADA) COLLEGE PLANNING/REFERENCE/TEEN NONFICTION the K BECAUSE IT’S A GREAT TIME TO I START THINKING ABOUT COLLEGE... D “The Kids' College Almanacis an excellent Have you ever thought about whether guide that anyone in the family can enjoy… ’ it asks and answers basically every question S college might be part of your future? that arises in the college-selection process.” Have you ever wondered: Michigan Learning Magazine C (cid:2) What exactly is college? O (cid:2) How will I pay for college? Written for middle-school students, (cid:2) What could I learn there? The Kids’College Almanacanswers these L (cid:2) Should I go someday? questions and more: L (cid:2) How do I get in? (cid:2) Find out more about liberal arts colleges,larger universities,community E colleges,and vocational programs. G How do they differ? Which will be right About the Authors for you? E BARBARA C.GREENFELDis a college admissions and (cid:2) Find out more about yourself! advising director.Throughout her career,she has developed Why should you think about college? many innovative and award-winning programs,including Can college help make your dreams A college awareness programs for younger students.She come true? has worked extensively with students of all ages and has firsthand experience with the importance and benefits of (cid:2) What are role models and mentors? L early college awareness. How can they help? M ROBERT A.WEINSTEINworks in educational publishing. (cid:2) What can you do now and in high As an editor for McGraw-Hill,John Wiley,Industrial Press, school to prepare? and other publishers,he has helped publish numerous texts and supplements using a wide range of media.He is the author Packed with everything you need to know A of a variety of materials aimed at helping high school students make a successful transition to college. aalbsoou ptr coovlildegese ,loTthse o Kfi dfusn’C foalcletsg—e Athlme aonldaecst N S E L E C T E D f o r ccoolllleeggees i na tetveenrdye sdt abtye ,Uc.oSl.lePgrees nidiceknntsa,maneds, t h e N E W Y O R K 8I8n90d00i2-a6 nO4a8tpi-sJo IAlSivsT,eInNu 4e6216-1033 more! A P U B L I C L I B R A R Y ’ S Fwawxw 8.j0is0t-.JcIoSmT-FAX SAoft jeurm alpl, ritig’sh at ginr—eaat ntiymweh teor es tyaorut tlhikien!k ing C B O O K S f o r t h e about college! third T E E N A G E edition wg (First Edition) “This book is a wonderful resource for ere my students and their parents.It covers inen s every possible topic and is easy for them tf to understand.I recommend it highly.” eiel nd Marcia Bartolf,Counselor Carl Sandburg Middle School,Old Bridge,NJ 1-56370-730-6.00a 4/25/05 5:11 PM Page i 1-56370-730-6.00a 4/25/05 5:11 PM Page ii The Kids’ College Almanac Third Edition A First Look at College © 2005 by Barbara C. Greenfeld and Robert A. Weinstein Published by JIST Works, an imprint of JIST Publishing, Inc. 8902 Otis Avenue Indianapolis, IN 46216-1033 Phone: 1-800-648-JIST Fax: 1-800-JIST-FAX E-mail: [email protected] Visit our Web site at www.jist.com for information on JIST, free job search tips, book chapters, and ordering instructions for our many prod- ucts! For free information on 14,000 job titles, visit www.careeroink.com. Quantity discounts are available for JIST books. Please call our Sales Department at 1-800-648-5478 for a free catalog and more information. Acquisitions and Development Editor: Lori Cates Hand Cover and Interior Designer: Katy Bodenmiller Page Layout: Trudy Coler Proofreader: Linda Quigley Printed in Canada 09 08 07 06 05 9 8 7 6 5 4 3 2 1 Library of Congress Cataloging-in-Publication data is on file with the Library of Congress. All rights reserved. No part of this book may be reproduced in any form or by any means, or stored in a database or retrieval system, without prior written permission of the publisher except in the case of brief quo- tations embodied in articles or reviews. Making copies of any part of this book for any purpose other than your own personal use is a violation of United States copyright laws. For permission requests, please contact the Copyright Clearance Center at www.copyright.com or (978) 750-8400. We have been careful to provide accurate information in this book, but it is possible that errors and omissions have been introduced. Please con- sider this in making any career plans or other important decisions. Trust your own judgment above all else and in all things. Trademarks: All brand names and product names used in this book are trade names, service marks, trademarks, or registered trademarks of their respective owners. ISBN 1-59357-104-6 1-56370-730-6.00a 4/25/05 5:11 PM Page iii To Larry and Mom, Who have always believed in us With love and gratitude. B.C.G. and R.A.W. 1-56370-730-6.00a 4/25/05 5:11 PM Page iv Contents in Brief An Introductory Note for Parents. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . xii Preface. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . xiv 1 What Is College? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 2 Why Should I Think About College? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 3 Who Goes to College? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43 4 Where Are Colleges Located?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61 5 What Can I Learn at College? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77 6 How Will I Learn at College?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 103 7 How Do I Gather Information? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 125 8 Where Should I Apply? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 145 9 How Do I Apply to College? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 165 10 How Much Does College Cost?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 187 11 How Will I Pay for College?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 203 12 How Does College Begin?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 227 13 What Happens at College?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 243 14 Is College My Only Choice?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 265 15 What Should I Do Now?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 279 Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 301 Map of the United States . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 312 Index. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 314 1-56370-730-6.00a 4/25/05 5:11 PM Page v Contents 1 What Is College? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Types of Colleges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Types of Colleges and Universities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 The History of Colleges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 College in the United States . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Do You Know Your State’s Oldest College?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 The Campuses of State University of New York (SUNY). . . . . . . . . . . . . . . . . . . . . . 13 What Is Affiliation?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 College Affiliations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Examples of Colleges with Religious Affiliations. . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Some Historically/Predominantly Black Colleges. . . . . . . . . . . . . . . . . . . . . . . . . . . 17 How Does a College Work? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 Who’s in Charge?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Some Examples of College Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 Comparing Your School with College. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 2 Why Should I Think About College? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 Learning Opportunities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Career Opportunities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Careers and College Education . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 Fast-Growing Occupations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Education and Your Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 Be a Career Detective—Ask Questions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 Career Programs at Different Colleges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 Artistic Opportunities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Athletic Opportunities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 Life Opportunities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 1-56370-730-6.00a 4/25/05 5:11 PM Page vi THE KIDS’ COLLEGE ALMANAC 3 Who Goes to College?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43 The Basics. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 Today’s Students. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 Male and Female Enrollment in College . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 Women and Men at U.S.Colleges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47 Who Went Where to College?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 How Many Students Are in Your State? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54 International Students in the United States. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 57 Where Did U.S.Presidents Go to College?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58 The Bottom Line. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60 4 Where Are Colleges Located? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61 What Is a Campus?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62 What Are Branch Campuses? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64 Learning Away from Campus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65 Example Correspondence Courses at Western Kentucky University. . . . . . . . . . 67 How Many Colleges Are in Your State?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 68 The Largest Four-Year Colleges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70 Exchange Programs and Consortiums. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 72 Members of the Great Lakes Colleges Association. . . . . . . . . . . . . . . . . . . . . . . . . . 73 Colleges Outside the United States. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74 Colleges Around the World . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 76 5 What Can I Learn at College?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77 College Degrees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 78 Different Kinds of College Degrees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80 Courses and Credits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81 What Are Distribution Requirements? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 82 Sample Distribution Requirements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 82 Majors,Minors,and Electives. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 83 Divisions,Disciplines,and Departments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 85 Languages Taught at BYU. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 98 vi 1-56370-730-6.00a 4/25/05 5:11 PM Page vii CONTENTS Other Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 102 Anything and Everything! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 102 6 How Will I Learn at College?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 103 The College Calendar . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 104 Two Sample College Calendars. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 105 Are All Classrooms the Same? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 106 Are There Opportunities to Study on My Own? . . . . . . . . . . . . . . . . . . . 109 Types of Distance Learning. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 111 Can I Combine Work with My Studies? . . . . . . . . . . . . . . . . . . . . . . . . . . . 112 Ideas for Internships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 114 Libraries and Learning Centers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 116 Spaces and Places at the Library. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 116 Students with Special Needs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 120 Learning Tools for Students with Disabilities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 121 Learning Assistance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 122 Learning Materials. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 123 Other Learning Materials. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 124 7 How Do I Gather Information? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 125 Information:There’s Lots of It!. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 126 Who Can Tell You More About College?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 126 Colleges Provide Information in Different Ways. . . . . . . . . . . . . . . . . . . . . . . . . . . 128 Write to a College! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 129 Special Programs for Learning About College. . . . . . . . . . . . . . . . . . . . . 132 What Do I Need to Know?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 134 College Size and Settings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 135 8 Where Should I Apply?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 145 The First Step:Know Yourself . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 146 It’s What You Think That Matters! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 150 Build a List of Colleges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 151 A Sampling of College Home Pages on the Web . . . . . . . . . . . . . . . . . . . . . . . . . . 154 vii 1-56370-730-6.00a 4/25/05 5:11 PM Page viii THE KIDS’ COLLEGE ALMANAC Find Out More. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 156 Is Getting into College Hard? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 157 How Can I Find Out What Is Required? . . . . . . . . . . . . . . . . . . . . . . . . . . . 159 Examples of Selectivity Across the States. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 160 Narrow the Field. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 162 Will I Be Accepted?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 162 Keeping Track of It All. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 163 Comparing Colleges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 164 9 How Do I Apply to College?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 165 The Admissions Office . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 166 The Application Form. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 166 A Picture of Who You Are. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 167 Your School Record. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 168 Essays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 170 Sample Essay Questions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 170 Your Activities Outside Class. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 171 Recommendations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 172 Interviews. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 172 Interview Tips . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 172 Special Considerations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 173 College Entrance Exams. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 174 Major College Entrance Exams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 174 Recent SAT Subject Test Offerings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 175 Completing the Application. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 176 A Sampling of Colleges That Accept the Common Application. . . . . . . . . . . . . 177 When Should I Apply? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 178 Types of Admissions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 179 The Costs of Applying. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 181 Sample Application Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 181 You’re In—Now What?!?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 182 Transferring. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 184 Changing Your Mind. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 186 viii 1-56370-730-6.00a 4/25/05 5:11 PM Page ix CONTENTS 10 How Much Does College Cost? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 187 College Costs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 188 Tuition. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 188 Examples of Tuition at Four-Year Colleges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 190 Examples of Tuition at Two-Year Colleges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 192 Residency Makes a Difference!. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 195 Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 196 Recent Fees at the University of Miami (FL). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 197 Books,Supplies,and Equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 197 Room and Board . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 198 Sample Meal Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 198 Sample Room and Board Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 199 Other Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 200 Estimating and Comparing Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 200 Estimating College Costs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 201 Comparing Annual College Costs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 202 11 How Will I Pay for College?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 203 Ways to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 204 What Is Financial Aid?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 205 Offbeat Opportunities for Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 209 Federal Student Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 210 Paying Back Loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 211 What Are Tax Credits and Deferments?. . . . . . . . . . . . . . . . . . . . . . . . . . . 212 Tuition Savings and Prepaid Tuition. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 213 Work-Study Programs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 214 Financial Aid Packages. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 215 A Financial Aid Sampler:The University of Louisville (KY). . . . . . . . . . . . . . . . . . 216 Financial Aid Information on the Internet. . . . . . . . . . . . . . . . . . . . . . . . . 217 Financial Aid Web Sites . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 217 Financial Aid at Four-Year Colleges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 218 ix

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