Posted in financial aid, Free Tuition, working

Working During College: Yes or No?

I’ve saved this video for a long time, and I have watched it many times.  It’s my pleasure to share it with you.  It is probably my favorite Dave Ramsey caller of ALL TIME.  This first young woman featured here was homeschooled, attended private Christian College, worked like crazy…not only did she graduate debt free, but she and graduated with money in the bank.  What’s the secret?

For most students, the simple answer is HARD WORK.

Last summer, I heard about Jeff Selingo.  He was being interviewed for his latest book There is Life After College.  He specifically spoke about the topic of students working during college.  Mr. Selingo has researched this issue, and shares some comments here:

 

 

 

One reason high-school students and undergraduates used to work was to earn money to pay for college. But one byproduct of skyrocketing college prices is that a part-time paycheck pays a smaller proportion of the tuition bill. As a result, many students find it easier to just take out loans instead of trying to work to pay for their higher education.”

He’s right, it is easier.

College’s financial aid offices will present your teen with a “Financial Aid Package” that will include a Pell Grant (a gift from the Federal Government if you meet income requirements) and Scholarships (a gift from the college if you meet specific criteria) and the rest will be loans.  Loans will fill the remaining portion of your “need” for that year.

Financial Aid Packages are prepared EACH YEAR.

Need is the kicker. Need frequently includes living expenses and other costs that the college has estimated on your behalf.  Borrowing living expenses money is a surefire way to incur the absolutely MOST student loan debt possible.  The alternative? Work!


Part Time Work During College = Higher GPA

According to a report out of Boston University, “Four-year college students working 20 hours or less had an average GPA of 3.13, versus nonworking students, who had an average GPA of 3.04. But the benefits were reversed with too much multitasking: students who worked more than 20 hours a week had an average GPA of 2.95.”


Work and Earn…..and earn some more!

In addition to working to help off-set costs and build grit into your character, some companies will pay your tuition.  This is in addition to your regular wages.  Tuition assistance programs can pay for part or all of your degree, and of course, each company that creates a program will attach strings, which require careful consideration.

Common strings include holding full-time employment, pursuing a specific major, maintain passing grades, and so on. The human resources department at any company can provide detailed information about their program.  Still, every student should consider doing their work for a company with a tuition assistance program!  If you don’t, you’re leaving free money on the table.

Companies that offer TUITION REIMBURSEMENT

These companies will pay some or all of your tuition through tuition reimbursement!  In short, you pay for your courses, and when you’ve passed the semester, your company cuts you a check.  In other cases, the company sends a check directly to your school.Contact the company’s human resources department and ask about the details.  P.S.  you can do that BEFORE you apply for a job!

  • Aeropostale
  • Ann Taylor
  • Apple
  • Barnes & Noble
  • Best Buy
  • CarMax
  • Coca-Cola
  • Disney
  • FedEx
  • Ford
  • Gap
  • Harris Teeter
  • Hilton Hotels
  • Home Depot
  • KFC Restaurants
  • Kohl’s
  • Lane Bryant
  • Macy’s
  • Marriott Corp.
  • McDonald’s
  • Nike
  • Publix Grocery
  • Sheetz
  • Siemens
  • Staples
  • Starbucks
  • Target
  • UPS
  • Verizon Wireless
  • Walmart
Posted in Uncategorized

Congratulations Class of 2017

Ladies and gentlemen of the class of 2017, wear sunscreen
If I could offer you only one tip for the future, sunscreen would be it
The long-term benefits of sunscreen have been proved by scientists
Whereas the rest of my advice has no basis more reliable
Then my own meandering experience, I will dispense this advice now

Enjoy the power and beauty of your youth, oh, never mind
You will never understand the power
And the beauty of your youth until they’ve faded
But trust me, in twenty years
You will look back at photos of yourself

And recall in a way you can’t grasp now
How many possibilities lay before you
And how fabulous you really looked
You are not as fat as you imagine

Don’t worry about the future or worry that know that worrying
Is as affective as trying to solve an algebra equation
By chewing bubble gum
The real troubles in your life are apt to be things
That never crossed your worried mind
The kind that blindsides you at 4 p.m. on some idle Tuesday

Do one thing every day that scares you, sing
Don’t be reckless with other peoples’ hearts
Don’t put up with people who are reckless with yours, floss
Don’t waste your time on jealousy
Sometimes you’re ahead, sometimes you’re behind
The race is long and in the end, it’s only with yourself

Remember compliments you receive, forget the insults
If you succeed in doing this, tell me how
Keep your old love letters, throw away your old bank statements, stretch
Don’t feel guilty if you don’t know what to do with your life

The most interesting people
I know didn’t know at 22 what they wanted to do with their lives
Some of the most interesting 40-year-olds I know still don’t
Get plenty of calcium
Be kind to knees, you’ll miss them when they’re gone

Maybe you’ll marry, maybe you won’t
Maybe you’ll have children, maybe you won’t
Maybe you’ll divorce at 40, maybe you’ll dance the “Funky Chicken”
On your 75th wedding anniversary
Whatever you do, don’t congratulate yourself too much
Or berate yourself either
Your choices are half chance, so are everybody else’s

Enjoy your body, use it every way you can
Don’t be afraid of it or what other people think of it
It’s the greatest instrument you’ll ever own, dance
Even if you have nowhere to do it but your own living room
Read the directions even if you don’t follow them
Do not read beauty magazines, they will only make you feel ugly

Brother and sister together will make it through
Someday a spirit will take you and guide you there
I know you’ve been hurting, but I’ve been waiting to be there for you
And I’ll be there just helping you out, whenever I can

Get to know your parents, you never know when they’ll be gone for good
Be nice to your siblings, they are your best link to your past
And the people most likely to stick with you in the future
Understand that friends come and go
But a precious few, who should hold on

Work hard to bridge the gaps in geography and lifestyle
For as the older you get, the more you need the people
You knew when you were young
Live in New York City once, but leave before it makes you hard
Live in northern California once, but leave before it makes you soft

Travel, accept certain inalienable truths
Prices will rise, politicians will philander, you too will get old
And when you do, you’ll fanaticise that when you were young
Prices were reasonable, politicians were noble
And children respected their elders

Respect your elders, don’t expect anyone else to support you
Maybe you have a trust fund, maybe you’ll have a wealthy spouse
But you’ll never know when either one will run out
Don’t mess too much with your hair or by the time you’re forty
It will look eighty-five
Be careful whose advice you buy, but be patient with those who supply it

Advice is a form of nostalgia, dispensing it is a way of
Wishing the past from the disposal, wiping it off
Painting over the ugly parts and recycling for more than it’s worth
But trust me on the sunscreen.


 

CREDIT:  Everybody’s Free (To Wear Sunscreen) by Baz Luhrmann, Quindon Tarver

 

Posted in College Majors, Community college

Reader Question: Is there a low-cost way to do medical school?

Q:  Is there a low-cost way to do med school? 

A:  Yes and no.  Medical school is expensive, and to get there, you need a bachelor’s degree first!  So, you’re talking about a LOT of education.  My BIGGEST piece of advice is to keep your undergraduate degree as low as humanly possible because you’ll be paying interest on THOSE student loans for a long time if you take any.

UNDERGRADUATE NOTES:  Unless your teen receives a full tuition full room and board scholarship to a private or out of state school, the lowest cost process is as follows:  use CLEP, AP and dual enrollment in high school for everything except for the sciences.  Attend your community college for the first two years (general education) earning EXCEPTIONAL grades (you’ll need all A’s), apply for the Phi Theta Kappa Community College scholarship.  Transfer to an in-state public university and live at home while doing so.  Take 15 credits per semester to graduate in 4 years while using summer to work (for money) and volunteer in a medical capacity (for service hours). 

But, there are some tricks and strategies you can use to bring the cost of Medical School down.  Can you attend for free?  In some cases, yes.  

(1)  The Ph.D. Md route.  Ahh, even MORE education!   If your teen has completed a lot of college credit in high school, they are probably younger than their peers anyway, so what’s another couple years?  Kidding aside, this isn’t an easy route, but you can “add” the research doctorate to your med school process, and usually, they will provide some amount of free tuition and or a stipend for doing so.

(2) National Health Service Corps Scholarship.   This is a 100% tuition scholarship for medical school (also counts for Physician Assistant, Dentistry, Doctor of Nurse Practitioner, or Certified Nurse Midwife) in addition, you get a $1316/month stipend, all fees, books, clinical supplies, uniforms, and educational supplementary fees covered 100%. Some students will also qualify for partial or full undergraduate loan forgiveness.
Recipients of this scholarship will have to repay each year of scholarship with 1 year of service (2-4 years) in a health professional shortage area – in other words, you can’t choose where you work immediately after graduation. You commit to working (full salary) in certain areas where they *really* need doctors, dentists, etc. After those few years of service are fulfilled, you can go on with your practice as you choose. As of 2016, they awarded 330 full awards. What they DON’T disclose is how many applicants try for it. You can assume it is competitive, but in my experience, FEWER THAN YOU THINK will apply. A lot of the time, scholarships are left on the table because people don’t apply.  Application cycles open early Jan/Feb of each year.   http://www.nhsc.hrsa.gov/scholarships

(3)  Attend in-state public.  Apply to ALL of the MD (and DO) programs, of course, but it’s usually cheaper to attend a public university as an in-state student.  Not all states have medical schools, and of those that do, many are private (typically charge the same for instate and out of state) but if you’re in a position to choose, it’s a lot less expensive.  Wikipedia has a nice state-by-state list of all the medical schools.  List of Medical Schools

Example of cost difference at the University of Colorado School of Medicine

in-state 4 years:  ~$146,000

out of state 4 years:  ~$250,000

(4) Health Professions Scholarship (Military).  Army, Navy, and Air Force will all pay 100% of the student’s medical, dental, advanced practice nursing, optometry, pharmacy, veterinary, social worker, or physician assistant tuition.  Candidates must already possess a bachelor’s degree and have an acceptance letter to a med school program before they can enlist.  Incentives vary based on branches of service, but during professional training (med school), the student is placed on inactive reserve.   Upon completion, they begin their service obligation as an officer and will complete anywhere from 4-6 years of service.

Examples of the different branch’s incentives for 2016:

100% tuition, textbooks, lab, and fees

$2,000 per month cash stipend

$20,000 sign on bonus


There are a lot of math/cost questions surrounding the medical school question.  Is it worth it? Most number-crunchers say “no” but they are assuming you’re paying rack rate for tuition. The 1 Million Dollar Mistake …and you’d never let your teen do that, right?

The American Association of Medical Colleges publishes a record of all costs of all medical schools each year.


U.S. NEWS RANKING

Remember to multiply tuition shown x4

Below is a list of the 10 least expensive public medical schools based on tuition and required fees. Unranked schools, which did not meet certain criteria required by U.S. News to be numerically ranked, were not considered for this report. The F. Edward Hebert School of Medicine at Uniformed Services University of the Health Sciences, a federal service postgraduate academy that waives tuition and fees in return for military service, was excluded from this list.

Medical school (name) (state) In-state tuition & fees (2015-2016) U.S. News research rank U.S. News primary care rank
Texas A&M Health Science Center $16,432 76 (tie) 78 (tie)
University of Texas Health Science Center—San Antonio $17,661 60 (tie) 71 (tie)
Texas Tech University Health Sciences Center $17,737 84 (tie) 84 (tie)
University of North Texas Health Science Center $19,022 RNP* 50 (tie)
University of New Mexico $19,233 78 (tie) 45 (tie)
University of Texas Southwestern Medical Center $19,343 25 (tie) 21 (tie)
University of Texas Health Science Center—Houston $20,092 56 (tie) RNP
Marshall University (Edwards) (WV) $20,100 RNP RNP
West Virginia School of Osteopathic Medicine $21,650 RNP RNP
East Carolina University (Brody) (NC) $22,281 88 (tie) 32 (tie)

 

Below is a list of the 10 ranked private medical schools with the lowest tuition and fees in 2016. Two of these schools offer discounts to in-state residents – the Baylor College of Medicine and the Miller School of Medicine at the University of Miami. The prices given for the schools in this article are the full-freight rates paid by out-of-state students. Unranked schools, which did not meet certain criteria required by U.S. News to be numerically ranked, were not considered for this report.

School (name) (state) Tuition and fees (2016-2017) U.S. News research rank U.S. News primary care rank
Baylor College of Medicine (TX) $32,663 21 8 (tie)
Lake Erie College of Osteopathic Medicine (PA) $33,055 RNP RNP
University of Miami (Miller) (FL) $42,642 48 (tie) 68
University of Pikeville (KY) $42,975 RNP RNP
Edward Via College of Osteopathic Medicine—Virginia, Carolinas, and Auburn $43,800 RNP RNP
Kansas City University of Medicine and Biosciences (MO) $44,595 RNP RNP
Lincoln Memorial University (DeBusk) (TN) $47,880 RNP RNP
Hofstra University (NY) $49,500 71 (tie) 55 (tie)
Mayo Clinic School of Medicine (MN) $49,900 20 31 (tie)
Touro College of Osteopathic Medicine (NY) $50,270 RNP RNP
Posted in ACE, Alternative Credit Project, edX, Saylor Academy, Straighterline, Study.com, Transfer Credit

The “REAL” ACE College List

Non-college-issued credit comes from many places:  Straighterline, ALEKS, Sophia, EdX, Saylor, Study.com, Lumerit/College Plus, Advanced Placement, CLEP, military training, licenses, certifications, and many, many others.  They are “worth” college credit because their curriculum or exam has been evaluated by a third party called ACE (American Council on Education) and has been determined to be worth a certain number of credits. As an example, ACE determined completion of Military Bootcamp is worth 6 college credits! Though other third party credit evaluators exist, ACE is the largest and oldest- frankly, they are the primary trusted evaluator in the United States.

Some colleges will accept “all ACE credit” – that is to say, if your credit appears on an ACE transcript, they will give you college credit.  The number of colleges in this category is very small.  My estimation is that it is fewer than 50.

Some colleges will accept “ACE credit” but don’t go so far as to say “all” and will consider, but not guarantee, acceptance. My estimation is fewer than 250 fall into this category.

2,000 colleges are part of the “ACE Network” which ACE publishes the list of colleges who will “consider” your work for college credit.  In no way, shape, or form, do 2,000 colleges award credit for ACE.  Being in the network does not mean they award credit.


What does it mean to be part of the ACE Network?

As I found out with my oldest son in 2013, it does NOT mean that the college will consider ACE credit for you- it might mean that they teach it!  Our local community college is on the list, so imagine my surprise when they denied 27 of my son’s ACE credits in transfer (ALEKS math and Straighterline).  I decided to probe deeper (they were on the list, after all!) and found that our local community college offered a carpentry course through the continuing education (non-credit) department, and successful completion of that course led to 3 ACE credits in carpentry.  In other words, our community college was on the list because they taught a course that generated ACE credit, not because they awarded credit for ACE work.  Yes, I appealed.  No, he didn’t receive credit. Ouch.

RULE 1:  Don’t assume colleges on the ACE Network list will award your teen college credit for their ACE courses.

As I appealed my son’s credit decision, I grew frustrated by advisor after advisor who didn’t know what ACE was, or what kind of credit he’d earned.  I shouldn’t have been too frustrated because I remember myself having advised students at the community college for about 10 years before I knew what CLEP was….or that we were a testing center.  Eventually, when I found someone (the Registrar) who knew what ACE credit was, she was able to explain to me why our community college was on the list and told me all about the carpentry course.   Scenarios have played out like this have played out dozens of times among our membership.  I frequently hear of parents being bounced around to 4-5 people just trying to find out if the college accepts Straighterline credit!

If you’re constantly told that they don’t know what ACE credit is, or if they accept it, or want you to “submit your transcripts first” before giving you information, you can ask if they award credit for military training.  Military training usually appears on an ACE transcript, so even though your teen won’t have military training for evaluation, this could be a “clue” that ACE credit may be awarded.  Again, we’re trying to predict based on an incomplete picture, but how colleges behave in one situation is usually a good indication of how they’ll do other things – so it’s worth asking if you’re out of options.

RULE 2:  Don’t assume that college personnel are familiar with ACE credit. ACE credit is probably the least frequent type of credit they encounter.  You’ll have to be patient and persistent.

As someone constantly tracking this type of information, I am so frustrated when I can’t share a “list” with our membership.  Asking for a list is a frequent question, and frankly, there isn’t one.  So, instead, I’ll share what I know- and you can work from there.  I have found, that several ACE credit sources have credit transfer partnerships with specific colleges.  For example, Saylor Academy has partnership agreements with 20 colleges.  Those 20 colleges have agreed (in writing) to accept Saylor’s courses for college credit.  That list is a great list to use as a starting point- which is to say that if those 20 colleges accept Saylor courses, they probably will accept other ACE evaluated course provider’s courses! The Alternative Credit Project partnered with 40 schools, and Straighterline another 100+.

RULE 3:  When one ACE credit source has a partnership agreement with a college, it is reasonable to infer that the same college will also accept other ACE credit sources.  

If you visit each ACE provider’s website, you can find their partnership agreements. Here is a small sample of ACE providers:

Study.com partnership colleges

edX partnership colleges (includes graduate level partnerships)

Saylor Academy partnership colleges

Straighterline partnership colleges

Alternative Credit Project partnerships

As you browse the lists, you’ll see that there is some overlap of schools, but there are many listings that appear only one one list.  It is my observation, that if a college appears on any list above, you’ll have an excellent shot at getting them to accept your other sources of ACE credit- at the very least, you should try.

So, the following list is the list I created by merging all known partner college relationships with ACE credit providers I could find.  In other words- this list, not the ACE Network list, is probably as close to any “real ACE list” as you’ll ever find, and it contains about 145 colleges (not 2,000).   

University of Maine at Presque Isle

COLLEGE NAME COLLEGE ADDRESS COLLEGE WEBSITE
Alderson Broaddus University 101 College Hill Drive, Philippi WV 26416 http://ab.edu
American Business and Technology University 1018 West St. Maartens Drive, St. Joseph, Missouri 64506 http://abtu.edu/online/
American College of Education 101 West Ohio St., Suite 1200, Indianapolis, IN 46204 http://www.ace.edu/
American Intercontinental University 231 N. Martingale Road, 6th Floor, Schaumburg, IL 60173 http://www.aiuniv.edu/
American Military University 111 West Congress Street, Charles Town, WV 25414 http://www.amu.apus.edu/
American Public University 111 West Congress Street, Charles Town, WV 25414 http://www.apus.edu/
American Sentinel University 2260 South Xanadu Way, Suite 310, Aurora, CO 80014 http://www.americansentinel.edu/
Antioch University Midwest 900 Dayton Street, Yellow Springs, OH 45387 https://www.antioch.edu/midwest/
Antioch University Online https://www.antioch.edu/auonline/
Antioch University Santa Barbara 602 Anacapa Street, Santa Barbara, CA 93101 https://www.antioch.edu/santa-barbara/
Antioch University Seattle 2400 3rd Avenue, Suite 200, Seattle, WA 98121 https://www.antioch.edu/seattle/
Arapahoe Community College 5900 S. Santa Fe Drive, Littleton, CO 80120-1801 https://www.arapahoe.edu/
Argosy University 601 South Lewis Street, Orange, CA 92868 https://www.argosy.edu/
Ashford University 8620 Spectrum Center Blvd, San Diego, CA 92123 https://www.ashford.edu/
Baker College https://www.baker.edu/
Bastyr University 14500 Juanita Dr NE, Kenmore, WA 98028 bastyr.edu/
Bay State College 122 Commonwealth Avenue, Boston, MA 02116 http://www.baystate.edu/
Bellevue University 1000 Galvin Road South, Bellevue, Nebraska 68005 http://www.bellevue.edu/
Benjamin Franklin Institute of Technology 41 Berkeley Street Boston, MA 02116 http://www.bfit.edu/
Berkeley College Box 440, Little Falls, NJ 07424 http://berkeleycollege.edu/
Bethel College of Indiana 1001 Bethel Circle, Mishawaka, IN 46545 http://www.bethelcollege.edu/
Bethel University 3900 Bethel Drive, St. Paul, MN 55112 https://www.bethel.edu/
Brandman University  16355 Laguna Canyon Road, Irvine, CA 92618 https://www.brandman.edu/
California Southern University 3330 Harbor Blvd, Costa Mesa, California 92626 https://www.calsouthern.edu/
Capella University 225 South 6th Street, 9th Floor, Minneapolis, MN 55402 https://www.capella.edu/
Capitol Technology University 11301 Springfield Road, Laurel, MD 20708 http://www.captechu.edu/
Cecil College One Seahawk Drive, North East, MD 21901 http://www.cecil.edu
Cedar Valley College 3030 N. Dallas Ave., Lancaster, TX 75134 https://www.cedarvalleycollege.edu/
Central Michigan University  1200 S. Franklin St., Mount Pleasant, Mich. 48859 www.cmich.edu
Central Penn College 600 Valley Rd., P.O. Box 309, Summerdale, PA 17093-0309 http://www.centralpenn.edu/
Charter Oak State College 55 Paul Manafort Dr, New Britain, CT 06053 https://www.charteroak.edu/
City University of Seattle 521 Wall Street, Suite 100, Seattle, WA 98121 http://www.cityu.edu/
City Vision University 3101 Troost Ave. Suite 200, Kansas City MO 64109-1845 http://www.cityvision.edu/
College of St. Josephs (VT) 71 Clement Road, Rutland, VT 05701 https://www.csj.edu/
Colorado Northwestern Community College https://www.cncc.edu/
Colorado State University Global Campus 7800 East Orchard Road, Suite 200 , Greenwood Village, CO 80111 https://csuglobal.edu/
Colorado Technical University 231 N. Martingale Road, 7th Floor, Schaumburg, IL 60173 http://www.coloradotech.edu/
Community College of Aurora 16000 East CentreTech Parkway, Aurora, Colorado 80011-9036 https://www.ccaurora.edu/
Community College of Denver 1111 W. Colfax Avenue, Denver, CO 80204 https://www.ccd.edu/
Concordia University Irvine 1530 Concordia West, Irvine, CA 92612 http://www.cui.edu/en-us
Concordia University St. Paul 1282 Concordia Avenue, St. Paul, MN 55104 https://www.csp.edu/
CUNY City University of New York 160 Convent Avenue, New York, NY 10031 https://www.ccny.cuny.edu/
Davenport University Grand Rapids, Michigan https://www.davenport.edu/
DeVry University 1200 East Diehl Road, Naperville, IL 60563 https://www.devry.edu/
Excelsior University 7 Columbia Circle, Albany, NY 12203-5159 http://www.excelsior.edu/
Fayetteville State University 1200 Murchison Road, Fayetteville, NC 28301 http://www.uncfsu.edu/
Fisher College 118 Beacon Street, Boston, MA 02116 http://www.fisher.edu/
Franklin Pierce University 40 University Drive, Rindge, NH 03461-0060 http://www.franklinpierce.edu/
Franklin University 201 S. Grant Ave., Columbus, OH 43215 http://www.franklin.edu/
Front Range Community College 2190 Miller Drive, Longmont, CO 80501 https://www.frontrange.edu/
Goodwin College One Riverside Drive, East Hartford, CT 06118 http://www.goodwin.edu/
Goodwin College
Grace College 200 Seminary Drive Winona Lake, Indiana 46590 http://www.grace.edu/
Grambling State University 403 Main Street, Grambling, Louisiana 71245 http://www.gram.edu/
Granite State University 25 Hall Street, Concord, NH 03301 https://www.granite.edu/
Great Bay Community College 320 Corporate Drive, Portsmouth NH 03801 http://greatbay.edu/
Harrisburg University of Science and Tech.  326 Market St, Harrisburg, PA 17101 http://harrisburgu.edu/
Herzing University W140N8917 Lilly Road, Menomonee Falls, WI 53051 https://www.herzing.edu/
Indiana Tech  1600 E. Washington Blvd., Fort Wayne, IN 46803 https://www.indianatech.edu/
Indiana Wesleyan University 4201 S. Washington St.,Marion, IN 46953 https://www.indwes.edu/
Jefferson Community and Technical College 109 East Broadway, Louisville, KY 40202 https://jefferson.kctcs.edu/
John F. Kennedy University 100 Ellinwood Way, Pleasant Hill, CA 94523-4817 https://www.jfku.edu/
Kaplan University http://www.kaplanuniversity.edu/
Kendall College 900 N. North Branch Street, Chicago, IL 60642 https://www.kendall.edu/
Lakeland University W3718 South Drive, Plymouth, WI 53073-4878 https://lakeland.edu/
Lamar Community College 2401 South Main Street, Lamar, Colorado 81052 https://lamarcc.edu/
Liberty University 1971 University Blvd, Lynchburg, Va. 24515 http://www.liberty.edu/
Life Pacific College 1100 West Covina Boulevard, San Dimas, California 91773 http://lifepacific.edu/
Lipscomb University One University Park Drive, Nashville, TN 37204-3951 http://www.lipscomb.edu/
Lynn University 3601 N. Military Trail, Boca Raton, FL 33431 https://www.lynn.edu/
Martinsburg College 341 Aikens Center, Martinsburg, WV 25404 http://martinsburgcollege.edu/
McNeese State University 4205 Ryan Street, Lake Charles, LA http://www.mcneese.edu/
Mercy College 555 Broadway, Dobbs Ferry, NY 10522 https://www.mercy.edu/
Monroe College 2501 Jerome Avenue, Bronx, NY 10468 https://www.monroecollege.edu/
Monroe Community College 1000 East Henrietta Road, Rochester, New York 14623 http://www.monroecc.edu/
Morgan Community College 920 Barlow Rd., Fort Morgan, CO 80701 http://www.morgancc.edu/
Mount Vernon Nazarene University 800 Martinsburg Road, Mount Vernon, Ohio, 43050 http://mvnu.edu/
National Louis University 122 S. MICHIGAN AVENUE, CHICAGO, IL 60603 https://www.nl.edu/
New England College 98 Bridge Street, Henniker, NH 03242 http://www.nec.edu/
New England College
New England College of Business 10 High St., Ste. 204, Boston, MA 02110-1605 https://www.necb.edu/
New York Chiropractic College 2360 State Rte. 89 Seneca Falls, New York 13148 http://www.nycc.edu/
Nichols College 129 Center Road, Dudley MA 01571 http://www.nichols.edu/
Northcentral University 2488 Historic Decatur Rd, Suite 100, San Diego, CA 92106 https://www.ncu.edu/
Northeastern Junior College 100 College Avenue, Sterling, Colorado 80751 http://www.njc.edu/
Northwestern Health Sciences University 2501 W. 84th St., Bloomington, MN 55431 https://www.nwhealth.edu/
Northwestern State University 175 Sam Sibley Dr, Natchitoches, LA 71497 https://www.nsula.edu/
Norwich University 158 Harmon Drive, Northfield, VT 05663 http://www.norwich.edu/
Notre Dame College 4545 College Road, South Euclid, Ohio 44121-4293 http://www.notredamecollege.edu/
Olivet Nazarene University One University Avenue, Bourbonnais, Illinois 60914-2345 http://www.olivet.edu/
Otero Junior College 1802 Colorado Ave. , La Junta, CO 81050 http://www.ojc.edu/
Pacific Oaks College 55 W Eureka St. Pasadena, CA 91103 https://www.pacificoaks.edu/
Patten University 2100 Franklin Street, Suite 350, Oakland, CA  94612 http://patten.edu/
Paul Smith’s College 7833 New York 30, Paul Smiths, NY 12970 http://www.paulsmiths.edu/
Pikes Peak Community College 5675 S Academy Blvd, Colorado Springs, CO 80906 https://www.ppcc.edu/
Pillar College 60 Park Place, Suite 701, Newark, NJ 07102 http://www.pillar.edu/
Pine Manor College 400 Heath Street, Chestnut Hill, MA 02467 http://www.pmc.edu/
Rasmussen College 1415 West 22nd Street, Suite 400, Oak Brook, IL 60523 https://www.rasmussen.edu/
Red Rocks Community College 13300 W. 6th Ave, Lakewood, CO 80228 http://www.rrcc.edu/
Regis University 3333 Regis Boulevard, Denver, Colorado 80221-1099 http://www.regis.edu/
Rio Salado College 2323 West 14th Street, Tempe, AZ 85281 http://www.riosalado.edu
Saint Joseph’s College PO Box 870, Rensselaer, IN 47978 http://www.saintjoe.edu/
Seward County Community College 1801 N Kansas, PO Box 1137, Liberal, Kansas, 67905 http://www.sccc.edu
Simpson University 2211 College View Drive, Redding, CA 96003 http://simpsonu.edu/
Sinclair College 444 West Third Street, Dayton, Ohio 45402 http://www.sinclair.edu/
St. Catherine University 2004 Randolph Avenue , St. Paul, MN 55105 https://www.stkate.edu/
Strayer University http://www.strayer.edu/
Sullivan University 3101 Bardstown Road, Louisville, KY 40205 https://sullivan.edu/
SUNY Empire State College Two Union Avenue, Saratoga Springs, NY 12866 https://www.esc.edu/
Tennessee State University 3500 John A. Merritt Boulevard, Nashville, TN 37209 http://www.tnstate.edu/
The Chicago School of Professional Psychology 325 N Wells, Chicago, IL 60654-1822 https://www.thechicagoschool.edu/
Thomas Edison State University 111 W. STATE ST. TRENTON, NJ 08608 http://www.tesu.edu/
Tiffin University 155 Miami St, Tiffin, OH 44883 http://www.tiffin.edu/
Touro University Worldwide 10601 Calle Lee, Suite 179, Los Alamitos, CA 90720 http://www.tuw.edu/
Trident University International 5757 Plaza Drive, Suite 100, Cypress, CA 90630 https://www.trident.edu
Trinidad State Junior College 600 Prospect Street, Trinidad, CO 81082 http://www.trinidadstate.edu/
Truckee Meadows Community College 7000 Dandini Boulevard, Reno, NV 89512 http://www.tmcc.edu/
Union College 807 UNION STREET SCHENECTADY, NY 12308 https://www.union.edu/
Union Institute & University 440 East McMillan Street, Cincinnati, Ohio 45206 https://myunion.edu/
United States Sports Academy One Academy Drive, Daphne, Alabama 36526 https://ussa.edu/
University of Baltimore 1420 N. Charles St, Baltimore, MD 21201 http://www.ubalt.edu
University of Bridgeport 126 Park Avenue, Bridgeport, CT 06604 http://www.bridgeport.edu/
University of Louisiana at Monroe 700 University Avenue, Monroe, LA 71209 http://ulm.edu/
The universitytreet, Presque Isle, ME 04769 http://www.umpi.edu/
University of Maryland University College 3501 University Blvd. East, Adelphi, MD 20783 http://www.umuc.edu/
University of Memphis Memphis, TN 38152 http://www.memphis.edu/
University of Phoenix 1625 W. Fountainhead Pkwy, Tempe, AZ 85282-2371 http://www.phoenix.edu/
University of the Incarnate Word 4301 Broadway, San Antonio, Texas 78209 http://www.uiw.edu/
University of the Potomac 2070 Chain Bridge Rd, Suite G100, Vienna, Virginia 22182 https://potomac.edu
University of Western States  2900 NE 132nd Avenue Portland, Oregon 97230 https://www.uws.edu/
Upper Iowa University 605 Washington Street | P.O. Box 1857, Fayette, Iowa 52142 http://www.uiu.edu/
Urban College of Boston 178 Tremont Street, Boston, MA 02111 http://www.urbancollege.edu/
Utica College 1600 Burrstone Road | Utica, NY 13502 http://www.utica.edu/
Walden University 100 Washington Avenue South, Suite 900, Minneapolis, Minnesota 55401 https://www.waldenu.edu/
Western Governors University 4001 South 700 East, Suite 700,  Salt Lake City, UT 84107 https://www.wgu.edu/
Western Governors University-Indiana 4001 South 700 East, Suite 700,  Salt Lake City, UT 84107 http://indiana.wgu.edu/
Western Governors University-Missouri 4001 South 700 East, Suite 700,  Salt Lake City, UT 84107 http://missouri.wgu.edu/
Western Governors University-Nevada 4001 South 700 East, Suite 700,  Salt Lake City, UT 84107 http://nevada.wgu.edu/
Western Governors University-Tennessee 4001 South 700 East, Suite 700,  Salt Lake City, UT 84107 http://tennessee.wgu.edu/
Western Governors University-Texas 4001 South 700 East, Suite 700,  Salt Lake City, UT 84107 http://texas.wgu.edu/
Western Governors University-Washington 4001 South 700 East, Suite 700,  Salt Lake City, UT 84107 http://washington.wgu.edu/
Wilmington University 320 N. DuPont Hwy, New Castle, DE 19720 http://www.wilmu.edu/
Wisconsin Lutheran College 8800 West Bluemound Road, Milwaukee, WI 53226 http://www.wlc.edu/


*note- it may not seem like it, but this project took quite a bit of work – most providers used only college logos- not text (how crafty of them) so I had to hand write the list here for you.   Remember, there is no incentive for businesses to “share” or “merge” lists because it is in their best interest for you to use their products and NOT those of their competitor!  

UPDATE:  My deepest gratitude to Amy B. for generously and painstakingly looking up all of these college’s addresses and websites!! I know how long projects like this take, and I am so thankful!!!!

 

Posted in AP Advanced Placement, CLEP, Credit by Exam, Resources, Tuition

Cost of Tuition in the United States

The current and historical cost of tuition in the United Sates is tracked and sorted for us to learn from.   The United States Department of Education’s National Center for Education Statistics keeps data on this kind of information, and much more!  (Psssttt, it’s one of my favorite sites to browse)

The costs below reflect averaged “rack rate” tuition for 1 year, which is to say the price stated by the college as their tuition rate.  Individual student’s scholarships or other grants are not reflected here, this is simply the price of tuition.   Note that public colleges generally have “in-state” and “out of state” tuition rates- this is because of the economics of a state-funded educational system, and out-of-state students will typically pay a significantly higher rate than in-state students.

Now, because this is the Homeschooling for College Credit page, of course, I’m also including the breakdown for several popular college credit exams that your teen can take – you’ll be able to see the TREMENDOUS cost savings as you get down to the bottom of the page.

“Cost of attendance”  is also collected, and includes OTHER expenses besides tuition.  Books, meals, dorms, etc. may all be estimated on your college’s website. As you dig deeper, you’ll want to sort out the costs that are variable and those that are fixed.  For instance, if a student lives at home, there aren’t many living expenses to add in, but a student living in a dorm will spend about $13,000 more per year. For the purposes of this post, we’re only talking about TUITION.  


Official Calculation as per-year

(Data Source:  National Center for Education Statistics: November 2016)

 

Less than 2-year (Diploma/Certificate)
Public Non-Profit 248 schools $6,505 in-state $7,288 out-state
Private Non-Profit 86 schools $13,433 N/A
Private For-Profit 1,616 schools $15,269 N/A
2-year (Associate Degree)
Public Non-Profit 1,016 schools $3,941 in-state $7,780 out-state
Private Non-Profit 178 schools $13,899 N/A
Private For-Profit 891 schools $14,864 N/A
4-year (Bachelor’s Degree)
Public Non-Profit 710 schools $8,141 in-state $18,341 out-sta.
Private Non-Profit 1,602 schools $26,355 N/A
Private For-Profit 700 schools $16,066 N/A

 


Unofficial* Calculation as per-credit

Less than 2-year (Diploma/Certificate)
Public Non-Profit   $217 in-state $243 out-state
Private Non-Profit   $448 N/A
Private For-Profit   $509 N/A
2-year (Associate Degree)
Public Non-Profit   $131 in-state $259 out-state
Private Non-Profit   $463 N/A
Private For-Profit   $495 N/A
4-year (Bachelor’s Degree)
Public Non-Profit   $271 $611 out-state
Private Non-Profit   $879 N/A
Private For-Profit   $536 N/A

Credit by Exam Calculation as per-credit

Credit By Exam
AP Exam $93  3 credit exam=

$31 per credit

6 credit exam=

$16 per credit

9 credit exam=

$10 per credit

CLEP Exam $80 3 credit exam=

$27 per credit

6 credit exam=

$13 per credit

9 credit exam=

$9 per credit

DSST Exam $80 3 credit exam=

$27 per credit

N/A N/A
ACTFL foreign language $70 (written) 12 cr. exam=

$7 per credit

 

 

 

 

Saylor Exam $25 3 credit exam=

$8 per credit

 

Unofficial* = calculated by dividing the yearly tuition by 30, the standard full-time load.

 

Posted in CLEP, Credit by Exam, Dual Enrollment

Exceptional Potential

If your teen graduates high school with even one college credit, he’s ahead!  

That’s the message I want our members to remember, but for a few of you, your teens will have exceptional motivation, and for those students, there are amazing possibilities ahead!!  Completing a degree while simultaneously completing high school is not to be underestimated.  It takes a strong and consistent adherence to academics, resourceful and creative planning by the parent, and a cooperative relationship between the teen and the parent.  In addition to all of that, you need to find a school that will allow such pursuit.

In today’s post, I want to highlight a young man in Louisiana who did it!  He earned his high school diploma and Associate’s Degree this month at the same time.  What makes his story extraordinary, is that he didn’t start earning college credit until 12th grade!

Original story:  McNeese Spring Graduate

Highlights:

“Joseph is the first ever early admission and dual enrollment student who will complete an associate degree from McNeese at the same time that he is graduating from high school,” says Betty Anderson, director of community services, outreach and the dual enrollment program coordinator at McNeese.”

“Joseph purchased the Western Civilization II textbook, read it in two days and passed the CLEP test,” says Anderson. “Anyone who can read and master a college textbook in two days has great potential.”

“Dual enrollment also helped him improve his scores on college entrance exams. After his science courses, McKinney reports that his ACT science score went up “six points.” This, plus the boost in his math scores from taking McNeese’s calculus course, helped him to qualify for a McNeese Presidential Scholarship.”


 

As you investigate CLEP exams, know that they are one brand of a category called “Credit by Exam.”  Sometimes called CBE, credit by exam allows your teen to take an exam, and in exchange, their passing score is recognized as equivalent to college credit at a college or university.  The exam replaces your teen’s need to take that course, saving time, money, books, and 16 weeks of homework!

Before I ever used a CLEP exam in my own home, I took more than 20 myself- I wanted to see how hard they were, and if they were “real” ways to earn college credit.  In 2008, I earned an Associate Degree in General Studies by testing out of that entire degree (just to see if it could be done) and it really changed my life in so many ways after that.

Testing out of a whole degree may not make sense for most of you reading this, but it doesn’t have to.  Most community colleges and a good portion of universities award credit for successful completion of a CLEP, AP, or DSST exam (and a few others).  Even passing 1 exam in high school can make a big difference!

Posted in CLEP, Credit by Exam, High School

3 CLEP Planning Strategies for High School

There are a few schools of thought when it comes to choosing subjects/exams for your student.  I’ve read articles full of “shoulds” but that’s short-sided advice.  The real “should” is based on your assessment of your overall high school program, your teen’s academic ability, your budget, their target school, and many other very individual factors.  Remember that if they earn even ONE college credit in high school, that they are ahead!

(1) Choose the course/exam based on what they are already working on in high school.  

This is a great, casual way to inject college credit naturally when your teen is younger (9th-10th grade), doesn’t have a target career or college in mind, or when planning feels overwhelming for the parent.  In most cases, this is an excellent strategy and the one I suggest as the “default” way to choose a CLEP exam or course.   For example, after studying high school Spanish for several years, it makes perfect sense to attempt the Spanish CLEP exam!

If you have a 4-year high school plan in mind, this will certainly be a logical approach for you.  You’ll simply choose AP, CLEP, or DSST exams that match your 4-year plan.  You’ll find exams for almost every slot, so this approach doesn’t require a lot of extra planning or stress.

(2) Choose the courses/exams based on a target college. 

This strategy sounds like good advice, and people who recommend it mean well, but I only like this strategy when your teen is in 12th grade or already graduated. Now, if your teen is already enrolled somewhere, it’s the ONLY strategy you should consider! But our homeschooling community consists of high school families, and that’s a different ballgame.  The reason this isn’t the best strategy is because you can’t predict the future!  Colleges

The reason this isn’t the best strategy is because you can’t predict the future!  Colleges can and do change their exam policy from year to year, and even CLEP/AP/DSST exams are constantly being revised and reevaluated.  When you’re planning 2-3-4+ years in the future, this strategy will leave you frustrated and overwhelmed, if (when) your teen changes their mind about their career, their target college, if the college changes their policy, or if College Board’s exam value changes.  As you can see, for future planning, this is the riskiest strategy.

An example of significant change came in October 2015 when The College Board’s literature exams were “devalued” by American Council on Education (they’re the ones who decide the number of credits any exam is worth.)  Previously, literature exams were worth 6 credits each, but after the ACE evaluation, they came out worth only 3.  For teens that completed the entire literature series, they went from 18 college credits down to 9! While this was upsetting for everyone, this can happen at any time.

(3) Choose the course/exams based on subject bundling.

This is a great strategy when your homeschool uses robust unit studies, follows a timeline curriculum, year-long immersions, or multi-disciplinary curriculum.  For instance, if you spend the entire school year studying all of the American subjects (American History, American Government, American Literature) then it makes sense for your teen to collect credit for all of the American exams, even if you don’t have a real target in mind.  People think of all kinds of creative ways to bundle exam subjects together to match 1 year of high school study.  Here are a couple ideas you can try:

American Bundle (yields 15 college credits)

  • US History I CLEP
  • Civil War and Reconstruction DSST
  • US History II CLEP
  • American Literature CLEP
  • American Government CLEP

Business Bundle (yields 15 college credits)

  • Personal Finance DSST
  • Introduction to Business DSST
  • Information Systems Computers CLEP
  • Principles of Management CLEP
  • Principles of Marketing CLEP

Psychology Bundle (yields 9 college credits)

  • Introduction to Psychology CLEP
  • Educational Psychology CLEP
  • Human Growth and Development CLEP or Lifespan Psychology DSST.  Choose one, not both. These are the same exam and your teen won’t receive credit for duplicate exams.

Links to Exams

List of DSST exams

List of CLEP exams

List of AP exams