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Figure
Figure
MY FUTURE, MY WAY
MY FUTURE, MY WAY
FIRST STEPS TOWARD COLLEGE
FIRST STEPS TOWARD COLLEGE
A Workbook for Middle and Junior High School Students
A Workbook for Middle and Junior High School Students
Figure
Page 3
MY FUTURE, MY WAY
MY FUTURE, MY WAY
MY FUTURE, MY WAY
FIRST STEPS TOWARD COLLEGE
FIRST STEPS TOWARD COLLEGE
A Workbook for Middle and Junior High School Students
A Workbook for Middle and Junior High School Students
Figure
Page 4
U.S. Department of Education Betsy DeVos Secretary
U.S. Department of Education Betsy DeVos Secretary
Federal Student Aid A. Wayne Johnson Chief Operating Officer
Customer Experience OfficeJay HurtActing Chief Customer Experience OfficerJuly 2017
Except as otherwise noted, the content of this publication is not protected by copyright. See below for a list of photo and image credits. Authorization to reproduce this publication in whole or in part is granted. While permission to reprint this publication is not necessary, the citation should be U.S. Department of Education, Federal Student Aid, Customer Experience Office, My Future, My Way: First Steps Toward College—A Workbook for Middle and Junior High School Students, Washington, D.C., 2017.
Updates:
Updates:
For any changes to federal student aid programs since this booklet was
For any changes to federal student aid programs since this booklet was
printed, please visit
StudentAid.gov
StudentAid.gov
.
Cover photo: Getty Images/fstop123
Cover photo: Getty Images/fstop123
Photo of bookshelf on page 18 is by Joshua Hoover, U.S. Department of Education, and all other
photos except as noted below are by Andrew Jones, U.S. Department of Education.
Photos taken by the following photographers are © 2013 U.S. Department of Education:
Dental Hygienist, Nurse, Doctor (pages 12, 13, 16): Amanda Bendis
Church (page 17): Jeffrey Jones
Moon (page 17): Image courtesy NASA/JSC/ASU
Military clothing (page 29): Getty Images/Thomas Northcut
To order copies of this publication:
Students and Parents
Students and Parents
Order online at edpubs.gov Email your request to edpubs@edpubs.ed.govCall in your request toll free: 1-877-433-7827 (1-877-4-ED-PUBS) Those who use a telecommunications device for the deaf (TDD) or a teletypewriter (TTY) for the hard of hearing should call 1-877-576-7734.
Order online at edpubs.gov Email your request to edpubs@edpubs.ed.govCall in your request toll free: 1-877-433-7827 (1-877-4-ED-PUBS) Those who use a telecommunications device for the deaf (TDD) or a teletypewriter (TTY) for the hard of hearing should call 1-877-576-7734.
Link
Counselors, Mentors, and Other Professionals
Counselors, Mentors, and Other Professionals
Link
Order online at FSAPubs.gov Email your request to orders@fsapubs.gov Call in your request toll free: 1-800-394-7084 Those who use a telecommunications device for the deaf (TDD) or a teletypewriter (TTY) for the hard of hearing should call 1-877-576-7734.
Online Access
Online Access
This publication is also available at
StudentAid.gov/resources#my-future
StudentAid.gov/resources#my-future
.
Alternate Formats
Alternate Formats
On request, this publication is available in alternate formats, such as Braille.
On request, this publication is available in alternate formats, such as Braille.
For more information, please contact Federal Student Aid using the information
provided above.
Some of the web addresses in this publication are for sites created and
Some of the web addresses in this publication are for sites created and
maintained by organizations other than the U.S. Department of Education.
They are provided for the reader’s convenience. The U.S. Department of
Education does not control or guarantee the accuracy, relevance, timeliness,
or completeness of this outside information. Further, the inclusion of particular
web addresses is not intended to reflect their importance, nor is it intended to
endorse any views expressed or products or services offered on these outside
sites, or the organizations sponsoring the sites.
All web addresses included in this publication were accurate at press time.
All web addresses included in this publication were accurate at press time.
Find detailed federal student aid information at
Find detailed federal student aid information at
StudentAid.gov
StudentAid.gov
.
Page 5
MY FUTURE, MY WAY
MY FUTURE, MY WAY
MY FUTURE, MY WAY
FIRST STEPS TOWARD COLLEGE
FIRST STEPS TOWARD COLLEGE
Are you thinking about attending college or a
Are you thinking about attending college or a
career school* after you graduate from high
school? Start here to learn how to prepare
for and pay for your education beyond high
school. Start asking questions now. Talk
to your teachers, your parents, your older
siblings, or to other mentors. After all, it’s
YOUR future.
Begin to discover your college and financial
Begin to discover your college and financial
aid options today!
* When we refer to “career school,” we mean a school, such as a vocational
* When we refer to “career school,” we mean a school, such as a vocational
or trade school, that offers programs of study that take two years or less to
complete.
CONTENTS
WHEN Should I Begin Thinking About College?
WHEN Should I Begin Thinking About College?
WHEN Should I Begin Thinking About College?
..
1
WHY Think About College Now?
WHY Think About College Now?
......................
5
WHAT Can a College Education Do for Me?
WHAT Can a College Education Do for Me?
.......
7
WHERE Do I Start?
WHERE Do I Start?
....................................
21
WHO Can Help Me Go to College?
WHO Can Help Me Go to College?
.................
23
HOW Will I Pay for College?
HOW Will I Pay for College?
........................
25
NOW What? Next Steps
NOW What? Next Steps
..............................
31
Page 7
WHEN Should I Begin Thinking About College?
WHEN Should I Begin Thinking About College?
It is never too early to plan for college. We recommend that students begin seriously thinking about college when they enter the middle school grades (sixth through eighth grade).
In this book, when we say “college,” we mean
•
•
•
public and private four-year colleges and universities;
•
•
two-year community colleges or junior colleges; and career schools.
Figure
Pretend that you could create the perfect college. What type of school would be just right for you?
Answer the following questions to help you create your dream school.
1. Where would this college be located (state, city)?
2. What size would the school be?
3. What classes would you take (computer, theater)?
4. What types of social activities would be offered (sports, clubs)?
Read on to learn more about your school options. Maybe some of these
Read on to learn more about your school options. Maybe some of these
options match what you want in your dream school!
Page 8
WHEN Should I Begin Thinking About College?
WHEN Should I Begin Thinking About College?
About Four-year Colleges
Many students attend a four-year college after graduating from high school. They earn a degree once they have completed a program of study. A four-year college usually offers a bachelor’s degree in the arts (e.g., English, history, drama) or sciences (e.g., biology, computer science, engineering). Some four-year colleges offer advanced degrees, such as master’s or other graduate degrees.
About Two-year Colleges
A two-year community college or junior college awards an associate degree once a student has completed a two-year course of study. Some two-year colleges grant diplomas or certificates to students who have met course requirements and are ready to practice in their career fields.You can start at a two-year college then transfer to a four-year college if, for example, you’re concerned about college costs (community or public junior colleges usually cost less than four-year colleges). A two-year college is als
Page 9
WHEN Should I Begin Thinking About College?
Visit
StudentAid.gov/choose
StudentAid.gov/choose
.
About Career Schools
Career schools typically offer programs that take two years or less to complete. These schools provide students with formal classes and hands-on experiences related to their future career interests. Students may earn a diploma or a certificate, prepare for a licensing exam, or study to begin work as an apprentice or a journeyman in a skilled trade.
Want to learn more about these types of schools?
Figure
Page 10
WHEN Should I Begin Thinking About College?
Activity Page
Select an answer based on the information you read in “When Should I Begin Thinking About College?” Answers are on page 36.
1. When should you consider college?
L
LI
Lbl
now
LI
Lbl
it’s never too late
LI
Lbl
middle school (grades six through eight) or earlier
LI
Lbl
all of the above
2. Where can you earn a bachelor’s degree?
L
LI
Lbl
junior college
LI
Lbl
four-year college
LI
Lbl
community college
LI
Lbl
career school
3. Where can you earn an associate degree?
L
LI
Lbl
community college
LI
Lbl
four-year college
LI
Lbl
high school
LI
Lbl
career school
4. At a career school, students may do which of the following?
L
LI
Lbl
earn a diploma or a certificate
LI
Lbl
prepare for a licensing exam
LI
Lbl
study to begin work as an apprentice
LI
Lbl
all of the above
Page 11
WHY Think About College Now?
WHY
WHY
Think About
College Now?
As a middle-school student, you probably have a lot on your mind: Will I get my school project finished on time? What’s for dinner? What should I do this weekend? Will mom or dad notice that I went over my cellphone data usage limit (yikes!!)?
But have you seriously thought about college?
Here are some reasons why you should start thinking about college now.
Figure
YOU SAY:
It’s too early to think about college!
WE SAY:
The steps you take now (such as developing good study
The steps you take now (such as developing good study
habits; reading to develop your verbal, writing, and critical
thinking skills; and developing an interest in extracurricular/
community-based activities) will help determine your college
options later. Start planning now!
YOU SAY:
No one in my family ever went to college.
WE SAY:
Be the first! Set a good example for others to follow by
Be the first! Set a good example for others to follow by
learning new and interesting things, and talking to other
students and faculty members about career goals and
opportunities.
YOU SAY:
I can’t afford it!
WE SAY:
We at the U.S. Department of Education, Federal Student Aid
We at the U.S. Department of Education, Federal Student Aid
(and others), can help meet the cost! More than two-thirds of
college students get some type of financial aid.
Page 12
WHY Think About College Now?
WHY Think About College Now?
Myths vs. Reality
Figure
MYTH:
MYTH:
Only students with good grades go to college.
Only students with good grades go to college.
Figure
REALITY:
REALITY:
Good grades and high test scores can definitely help
Good grades and high test scores can definitely help
when applying to college. But college admissions
staff also take into account other things, such as
your interests, hobbies, and school- and community-
based extracurricular activities.
Figure
MYTH:
MYTH:
College will be the same as middle or high school.
College will be the same as middle or high school.
Figure
REALITY:
REALITY:
College is much different from middle or high school.
College is much different from middle or high school.
Making new friends, choosing your own classes
and program of study, and possibly living away from
home are all a part of the college experience.
Figure
MYTH:
MYTH:
I need to get a job as soon as I graduate from
I need to get a job as soon as I graduate from
high school.
Figure
REALITY:
REALITY:
Sure, you can get a job with decent pay after
Sure, you can get a job with decent pay after
your high school graduation.
Or
you can invest in
your education to have a great career with better
pay later!
Figure
MYTH:
MYTH:
I can’t go to college because I don’t know what I
I can’t go to college because I don’t know what I
want to do with my life.
Figure
REALITY:
REALITY:
Most students decide what they want to do during
Most students decide what they want to do during
or after college.
Still not sure if college is for you? Still think now isn’t the time to start thinking about college? Read on!
Still not sure if college is for you? Still think now isn’t the time to start thinking about college? Read on!
Page 13
WHAT Can a College Education Do for Me?
WHAT Can a College Education Do for Me?
WHAT
WHAT
Can a
College Education
Do for Me?
A college education will
A college education will
offer you more money, more
job opportunities, and more
freedom than a high school
education.
More Money
More Money
On average, a person who
On average, a person who
goes to college earns more
money than a person who
doesn’t. Over a
lifetime, a college
graduate can earn
over $1.2 million
more than a high
school graduate!
Source: U.S. Bureau of Labor Statistics, Current Population Survey, 2016. *Note: Data are 2016 annual averages for full-time workers age 25 and over.
Source: U.S. Bureau of Labor Statistics, Current Population Survey, 2016. *Note: Data are 2016 annual averages for full-time workers age 25 and over.
Figure
Page 14
WHAT Can a College Education Do for Me?
Figure
Figure
Real-life Examples
Real-life Examples
People with a college education typically earn more money
People with a college education typically earn more money
during a shorter span of time.
•
•
•
Terry is a dental hygienist (two years of college). Terry generally will earn enough money to buy groceries for a week after working only one day.
•
•
Sam is a high school graduate and works as a salesperson in a department store. To buy the same groceries, it generally takes Sam three days’ pay.
BUYING GROCERIES
BUYING GROCERIES
BUYING A TV
•
•
•
Jamie is a college graduate and works as an accountant. Based on his salary, Jamie could buy a large-screen TV using less than one week’s pay.
•
•
Chris never went to college and works as a waiter. Based
Chris never went to college and works as a waiter. Based
on his salary, Chris will have to work three weeks to buy
the same TV.
Figure
Figure
Page 15
WHAT Can a College Education Do for Me?
WHAT Can a College Education Do for Me?
More Job
More Job
Opportunities
A major benefit of a college
A major benefit of a college
degree is having more jobs
to choose from. The table to
the right shows just some of
the possibilities available to
college graduates.
Is your favorite job on
Is your favorite job on
the list?
If not, go ahead and add it,
If not, go ahead and add it,
along with other jobs you
find interesting.
U.S. Bureau of Labor Statistics, Occupational Outlook Handbook, 2015–16 Edition
U.S. Bureau of Labor Statistics, Occupational Outlook Handbook, 2015–16 Edition
Career School
Career School
Career School
Career School
Career School
Two-year College
Two-year College
Two-year College
Four-year College
Four-year College
Four-year College
More Than Four Years
More Than Four Years
More Than Four Years
Barber or hairstylist
Barber or hairstylist
Barber or hairstylist
Barber or hairstylist
Bookkeeper
Bookkeeper
Bookkeeper
Accountant
Accountant
Accountant
Archaeologist
Archaeologist
Archaeologist
Carpenter
Carpenter
Carpenter
Carpenter
Childcare worker
Childcare worker
Childcare worker
Athletic trainer
Athletic trainer
Athletic trainer
Architect
Architect
Architect
Disc jockey (deejay)
Disc jockey (deejay)
Disc jockey (deejay)
Disc jockey (deejay)
Computer and office
Computer and office
Computer and office
equipment repairer
Computer programmer
Computer programmer
Computer programmer
Astronaut or aerospace
Astronaut or aerospace
Astronaut or aerospace
engineer
Electrician
Electrician
Electrician
Electrician
Dental hygienist*
Dental hygienist*
Dental hygienist*
Conservation
Conservation
Conservation
scientist
College professor
College professor
College professor
Plumber
Plumber
Plumber
Plumber
Firefighter*
Firefighter*
Firefighter*
Engineer
Engineer
Engineer
Dentist
Dentist
Dentist
TR
Mechanic
Mechanic
Mechanic
FBI agent
FBI agent
FBI agent
Doctor
Doctor
Doctor
TR
Nurse*
Nurse*
Nurse*
Graphic designer
Graphic designer
Graphic designer
Judge
Judge
Judge
TR
Paralegal
Paralegal
Paralegal
High school coach
High school coach
High school coach
Lawyer
Lawyer
Lawyer
TR
Physical therapist assistant
Physical therapist assistant
Physical therapist assistant
Industrial designer
Industrial designer
Industrial designer
Minister, priest, or rabbi
Minister, priest, or rabbi
Minister, priest, or rabbi
TR
Restaurant manager†
Restaurant manager†
Restaurant manager†
Pilot
Pilot
Pilot
Pharmacist
Pharmacist
Pharmacist
TR
Web developer
Web developer
Web developer
Probation officer
Probation officer
Probation officer
Principal
Principal
Principal
TR
Zookeeper*
Zookeeper*
Zookeeper*
Reporter
Reporter
Reporter
Psychologist
Psychologist
Psychologist
TR
Social worker
Social worker
Social worker
Scientist
Scientist
Scientist
TR
Sportscaster/news reporter
Sportscaster/news reporter
Sportscaster/news reporter
Urban planner
Urban planner
Urban planner
TR
Teacher**
Teacher**
Teacher**
Veterinarian
Veterinarian
Veterinarian
TR
Writer
Writer
Writer
* Note: You can also train for these jobs at a four-year college. Why do that? Because more education usually means more earnings!
* Note: You can also train for these jobs at a four-year college. Why do that? Because more education usually means more earnings!
* Note: You can also train for these jobs at a four-year college. Why do that? Because more education usually means more earnings!
† Note: You don’t need a two-year degree to be a manager, but managers with a degree may get hired faster and earn more money during their careers.
† Note: You don’t need a two-year degree to be a manager, but managers with a degree may get hired faster and earn more money during their careers.
** Note: Teaching in K–12 often requires certification and thus more than a bachelor’s degree; teaching college usually requires a master’s
** Note: Teaching in K–12 often requires certification and thus more than a bachelor’s degree; teaching college usually requires a master’s
and/or doctoral degree.
Page 16
WHAT Can a College Education Do for Me?
CAREER
CAREER
SCHOOL
BARBER OR HAIRSTYLIST
BARBER OR HAIRSTYLIST
BARBER OR HAIRSTYLIST
CARPENTER
CARPENTER
DISC JOCKEY (DEEJAY)
DISC JOCKEY (DEEJAY)
ELECTRICIAN
ELECTRICIAN
PLUMBER
PLUMBER
Figure
Figure
Figure
Figure
Hairstylist
Hairstylist
Carpenter
Carpenter
Page 17
Figure
Disc Jockey
Disc Jockey
Figure
Figure
Electrician
Electrician
Figure
Figure
Plumber
Plumber
Page 18
WHAT Can a College Education Do for Me?
TWO-YEAR
TWO-YEAR
COLLEGE
BOOKKEEPER
BOOKKEEPER
BOOKKEEPER
CHILDCARE WORKER
CHILDCARE WORKER
COMPUTER AND OFFICE
COMPUTER AND OFFICE
EQUIP-
MENT REPAIRER
MENT REPAIRER
DENTAL HYGIENIST*
DENTAL HYGIENIST*
FIREFIGHTER*
FIREFIGHTER*
MECHANIC
MECHANIC
NURSE*
NURSE*
PARALEGAL
PARALEGAL
PHYSICAL THERAPIST ASSISTANT
PHYSICAL THERAPIST ASSISTANT
RESTAURANT MANAGER
RESTAURANT MANAGER
†
WEB DEVELOPER
WEB DEVELOPER
ZOOKEEPER*
ZOOKEEPER*
* Note: You can also train for these jobs at a four-year
* Note: You can also train for these jobs at a four-year
college. Why do that? Because more education usually
means more earnings!
† Note: You don’t need a two-year degree to be a manager,
† Note: You don’t need a two-year degree to be a manager,
but managers with a degree may get hired faster and
earn more money during their careers.
Figure
Figure
Restaurant Manager
Restaurant Manager
Dental Hygienist
Page 19
Figure
Figure
Figure
Figure
Figure
Zookeeper
Mechanic
Figure
Figure
Nurse
Nurse
Nurse
Page 20
WHAT Can a College Education Do for Me?
WHAT Can a College Education Do for Me?
FOUR-YEAR
FOUR-YEAR
COLLEGE
ACCOUNTANT
ACCOUNTANT
ACCOUNTANT
ATHLETIC TRAINER
ATHLETIC TRAINER
COMPUTER PROGRAMMER
COMPUTER PROGRAMMER
CONSERVATION SCIENTIST
CONSERVATION SCIENTIST
ENGINEER
ENGINEER
FBI AGENT
FBI AGENT
GRAPHIC DESIGNER
GRAPHIC DESIGNER
HIGH SCHOOL COACH
HIGH SCHOOL COACH
INDUSTRIAL DESIGNER
INDUSTRIAL DESIGNER
PILOT
PILOT
PROBATION OFFICER
PROBATION OFFICER
REPORTER
REPORTER
SOCIAL WORKER
SOCIAL WORKER
SPORTSCASTER/NEWS REPORTER
SPORTSCASTER/NEWS REPORTER
TEACHER
TEACHER
WRITER
WRITER
Figure
Figure
Teacher
Teacher
Teacher
Figure
Figure
Reporter
Reporter
Reporter
Page 21
Figure
Figure
Figure
Figure
Conservation Scientist
Computer Programmer
Figure
Figure
Graphic Designer
Graphic Designer
Page 22
WHAT Can a College Education Do for Me?
MORE THAN
MORE THAN
MORE THAN
FOUR-YEAR
FOUR-YEAR
COLLEGE
ARCHAEOLOGIST
ARCHAEOLOGIST
ARCHAEOLOGIST
ARCHITECT
ARCHITECT
ASTRONAUT
ASTRONAUT
COLLEGE PROFESSOR
COLLEGE PROFESSOR
DENTIST
DENTIST
DOCTOR
DOCTOR
JUDGE
JUDGE
LAWYER
LAWYER
MINISTER, PRIEST, OR RABBI
MINISTER, PRIEST, OR RABBI
PHARMACIST
PHARMACIST
PRINCIPAL
PRINCIPAL
PSYCHOLOGIST
PSYCHOLOGIST
SCIENTIST
SCIENTIST
URBAN PLANNER
URBAN PLANNER
VETERINARIAN
VETERINARIAN
Story
NormalParagraphStyle
Figure
Judge
Story
NormalParagraphStyle
Figure
Doctor
Page 23
Figure
Figure
Minister
Minister
Figure
Figure
Veterinarian
Veterinarian
Figure
Figure
Astronaut
Astronaut
Page 24
WHAT Can a College Education Do for Me?
WHAT Can a College Education Do for Me?
Figure
Figure
More Freedom
More Freedom
As a college student, you’ll experience freedom as you never have before, by
•
•
•
studying more on your own instead of in a classroom;
•
•
meeting people from all over the country and world;
•
•
studying abroad (it pays to learn a foreign language); and
•
•
choosing your own unique courses, such as Biology of Extinct Animals, Music and Your Brain, Television in American Culture, forensic science, or computer graphics.
Want to learn more about career options?
Want to learn more about career options?
Visit
Visit
StudentAid.gov/careersearch
StudentAid.gov/careersearch
to explore careers. For each
career, you can find out what people do on the job, how much
they make, what level of education is needed to get that type of
job, and more.
Page 25
Want more info
Want more info
about college life?
You can find colleges that match
You can find colleges that match
You can find colleges that match
your preferences at
StudentAid.gov
StudentAid.gov
Link
/choose
/choose
. Many schools’ websites
. Many schools’ websites
have virtual campus tours. They
also have online course catalogs
so you can check out their course
offerings.
Visit local or nearby colleges to see
Visit local or nearby colleges to see
the real thing.
Figure
Figure
Page 26
WHAT Can a College Education Do for Me?
Activity Page
List five careers that interest you, the salary range for each career, and the level of education you
List five careers that interest you, the salary range for each career, and the level of education you
will need for each career.
Aren’t sure about the salary range or education level? Do a little investigating at
Aren’t sure about the salary range or education level? Do a little investigating at
StudentAid.gov/careersearch
StudentAid.gov/careersearch
.
Charting Your Career
Career
Career
Career
Career
Career
Salary Range
Salary Range
Salary Range
Education Level
Education Level
Education Level
Example: Teacher
Example: Teacher
Example: Teacher
Example: Teacher
$55,000–$72,000
$55,000–$72,000
$55,000–$72,000
Four-year college
Four-year college
Four-year college
1.
1.
1.
1.
2.
2.
2.
2.
3.
3.
3.
3.
4.
4.
4.
4.
5.
5.
5.
5.
Page 27
WHERE Do I Start?
WHERE
WHERE
WHERE
Do I Start?
Part of preparing for college is taking
Part of preparing for college is taking
Part of preparing for college is taking
the right classes in middle school.
Courses such as English, algebra,
foreign language, and technology
will better prepare you for more
challenging courses in high school.
But college preparation is about more
But college preparation is about more
than just classes and grades. It’s also
about developing the skills (such as
good study habits, paying attention in
class, and reading) that will help you
succeed in college and life.
Figure
Here’s what you can do NOW to get ready for college
Here’s what you can do NOW to get ready for college
(feel free to make your own checklist additions in the
Notes section on pages 33–35):
Sixth Grade
•
•
•
•
Speak with your school counselor or librarian and other adults
Speak with your school counselor or librarian and other adults
(your teachers, relatives, and family friends) who have interesting
jobs. Ask them what they like about their job and what education they
needed for it.
•
•
•
Develop strong study habits that help you earn good grades and test
Develop strong study habits that help you earn good grades and test
scores.
•
•
•
Read at least one book every month, just for fun.
Read at least one book every month, just for fun.
•
•
•
Participate in class activities.
Participate in class activities.
Seventh Grade
Seventh Grade
•
•
•
•
Begin taking advanced courses, such as Algebra I and a beginning
Begin taking advanced courses, such as Algebra I and a beginning
foreign language class. But remember, take courses that are
challenging and interesting, but are not over your head.
•
•
•
Talk to your counselor or teachers about courses you can take in high
Talk to your counselor or teachers about courses you can take in high
school.
•
•
•
Get involved in school- or community-based extracurricular activities.
Get involved in school- or community-based extracurricular activities.
•
•
•
Start reading magazines or newspaper articles.
Start reading magazines or newspaper articles.
•
•
•
Keep a journal to develop good writing skills.
Keep a journal to develop good writing skills.
•
•
•
Do well on standardized tests.
Do well on standardized tests.
Page 28
WHERE Do I Start?
WHERE Do I Start?
WHERE Do I Start?
Eighth Grade
Eighth Grade
•
•
•
•
Keep doing your best in school—study hard, earn good grades, and participate in class.
Keep doing your best in school—study hard, earn good grades, and participate in class.
•
•
•
Ask your counselor about challenging and interesting courses you can take in high school.
Ask your counselor about challenging and interesting courses you can take in high school.
•
•
•
Continue to explore different career options.
Continue to explore different career options.
•
•
•
Start saving money now to help pay for college.
Start saving money now to help pay for college.
•
•
•
Continue taking advanced courses, such as Algebra II and an intermediate foreign language class.
Continue taking advanced courses, such as Algebra II and an intermediate foreign language class.
•
•
•
Ask your older sisters and brothers or other college students about their college experience. If you don’t know any
Ask your older sisters and brothers or other college students about their college experience. If you don’t know any
college students, ask your counselor to help you contact some students.
Ninth Grade
Ninth Grade
•
•
•
•
Talk to your school counselor, your parents, and anyone who has an interest in your future about your college and
Talk to your school counselor, your parents, and anyone who has an interest in your future about your college and
career plans.
•
•
•
Take challenging core classes (e.g., English literature, geometry).
Take challenging core classes (e.g., English literature, geometry).
•
•
•
Start planning for college by learning how to go and ways to pay.
Start planning for college by learning how to go and ways to pay.
•
•
•
Go to career information events. Ask employers what kind of education they expect their employees to have.
Go to career information events. Ask employers what kind of education they expect their employees to have.
•
•
•
Explore opportunities to volunteer in your school or community.
Explore opportunities to volunteer in your school or community.
•
•
•
If you have older brothers or sisters getting ready to go to college fairs, financial aid nights, or other high school events,
If you have older brothers or sisters getting ready to go to college fairs, financial aid nights, or other high school events,
go with them so that you can become familiar with these events.
Want to find out more steps for college preparation? Visit
Want to find out more steps for college preparation? Visit
StudentAid.gov/early
StudentAid.gov/early
. You also can download the
College
Preparation Checklist
at
StudentAid.gov/checklist
StudentAid.gov/checklist
.
Page 29
WHO Can Help Me Go to College?
WHO Can Help Me Go to College?
WHO Can Help Me Go to College?
WHO
WHO
WHO
Can Help Me
Go to College?
Figure
Figure
College Support Team
College Support Team
Getting ready for college may seem like a lot to handle, but you don’t
Getting ready for college may seem like a lot to handle, but you don’t
have to do it alone!
Parents, teachers, counselors, coaches, and friendly folks from your
Parents, teachers, counselors, coaches, and friendly folks from your
community or place of worship are all good people to go to if you have
questions. Think of them as your college support team.
Any adult with whom you have a connection is a good addition to your
Any adult with whom you have a connection is a good addition to your
college support team. If they don’t have the answers themselves, they
may know where to look.
Talk to Your Team: Tell Someone You Know That You
Talk to Your Team: Tell Someone You Know That You
Want to Go!
Start discussing your plans for college today with your family and
Start discussing your plans for college today with your family and
with people at school. They will not know you need support and
encouragement unless you let them in on your plans. Once everyone
knows the plan, you can work together to reach your college goals.
Page 30
WHO Can Help Me Go to College?
WHO Can Help Me Go to College?
Activity Page
List four people who can serve on your college support team, their relationship to you, and the various roles they can
List four people who can serve on your college support team, their relationship to you, and the various roles they can
play on the team.
Your College Support Team
Name
Name
Name
Name
Name
Relationship
Relationship
Relationship
Role
Role
Role
Example: Patricia
Example: Patricia
Example: Patricia
Example: Patricia
Mom
Mom
Mom
Will help me research colleges and show me how to
Will help me research colleges and show me how to
Will help me research colleges and show me how to
save for my education
1.
1.
1.
1.
2.
2.
2.
2.
3.
3.
3.
3.
4.
4.
4.
4.
Page 31
HOW
HOW
Will I Pay
for College?
College Costs
Here are some important
Here are some important
things to know about
college costs:
to get an estimate (just an informal
to get an estimate (just an informal
calculation) of how much financial aid you possibly could receive from the
U.S. government.
HOW Will I Pay for College?
•
•
•
Some colleges cost less than other colleges.
•
•
Lots of financial aid is available—there are more opportunities now than ever before!
•
•
You and your family have
You and your family have
time to start saving for
college. So start looking
into college savings
plans, if you have not
already done so. Find
more information at
StudentAid.gov/early
StudentAid.gov/early
.
The bottom line is that if you want to go to college and are willing to work at it, you can find
The bottom line is that if you want to go to college and are willing to work at it, you can find
the money to pay for it.
While it’s very important that your family prepare financially for college (save, save, save!), don’t
While it’s very important that your family prepare financially for college (save, save, save!), don’t
forget—you don’t have to pay for college all by yourself! The U.S. Department of Education has
more than $120 billion (that’s $120,000,000,000) in financial aid for students who qualify.
Types of Aid
Types of Aid
There are two basic types of financial aid:
There are two basic types of financial aid:
1.
1.
1.
1.
“Gift”
“Gift”
aid: money that does not have to be paid back (for example,
grants
and
scholarships
)
2.
2.
2.
“Self-help”
“Self-help”
aid: money that you work for or that you will need to pay back later (for
example,
work-study
or
loans;
see page 26 for definitions of “work-study” and “loans”)
So, what exactly is financial aid?
So, what exactly is financial aid?
Financial aid is money to help pay for college or career school. This money
Financial aid is money to help pay for college or career school. This money
can come from the U.S. government, the state where you live, or the
college you attend. But, remember, you have to apply for it!
Use
Use
FAFSA4caster
at
fafsa.gov
fafsa.gov
Body_Copy
Link
Page 32
HOW Will I Pay for College?
HOW Will I Pay for College?
HOW Will I Pay for College?
Federal Student Aid
Federal Student Aid
Any time on or after Oct. 1 of your senior year of high
Any time on or after Oct. 1 of your senior year of high
school, you should complete and submit the
Free
Application for Federal Student Aid
(FAFSA
®
) form
at
fafsa.gov
fafsa.gov
. Colleges, states, and some scholarships
use your FAFSA information to determine how much
financial aid you may receive.
Keep in mind that the U.S. Department of Education,
Keep in mind that the U.S. Department of Education,
colleges, and scholarship providers can’t give you aid
unless you APPLY for it. You need to take the action!
Find out how to apply at
Find out how to apply at
StudentAid.gov/fafsa
StudentAid.gov/fafsa
.
Definitions
Definitions
GRANTS
GRANTS
and
SCHOLARSHIPS
are money that does not have to be paid back. To receive grants, you usually have to
demonstrate financial need. To receive scholarships, you usually have to demonstrate a talent or skill and maintain a
certain level of performance (e.g., good grades) to keep receiving the scholarship.
WORK-STUDY
WORK-STUDY
is a job that helps you earn money to pay for your education.
A
A
LOAN
is money that must be paid back, usually with interest. Although you have to repay a loan, you still should
consider a federal student loan as a good way to pay for college.
Financial aid can come from colleges, companies, private scholarship funds, or the state you live in, but a lot of it comes
Financial aid can come from colleges, companies, private scholarship funds, or the state you live in, but a lot of it comes
from the U.S. Department of Education. The money that comes from the government is called
federal student aid
.
Page 33
HOW Will I Pay for College?
HOW Will I Pay for College?
HOW Will I Pay for College?
Did You Know?
Did You Know?
•
•
•
•
Seventy-one percent of all college students
Seventy-one percent of all college students
working toward bachelor’s degrees received
some sort of financial aid.
•
•
•
At public colleges, 58 percent of students
At public colleges, 58 percent of students
received grants and 34 percent of students
took out loans.
•
•
•
At private colleges, 73 percent of students
At private colleges, 73 percent of students
received grants and 65 percent of students
took out loans.
Source: U.S. Department of Education, National Center for
Source: U.S. Department of Education, National Center for
Education Statistics. 2011–12 National Postsecondary Student Aid
Study (NPSAS:12)
Figure
Page 34
More About Scholarships
More About Scholarships
Scholarships may pay for all or part of your education.
Scholarships may pay for all or part of your education.
Unlike most federal student aid, many scholarships are not
“need-based” (i.e., aid awarded to a student on the basis
of financial need) and are available for all kinds of students
based on
•
•
•
•
good grades;
good grades;
•
•
•
certain religious, ethnic, or cultural backgrounds; or
certain religious, ethnic, or cultural backgrounds; or
•
•
•
athletic, artistic, or creative abilities.
athletic, artistic, or creative abilities.
A number of businesses and community organizations offer scholarships. Some colleges also have special scholarships for incoming students. Students who receive scholarships generally have to maintain a certain grade point average (GPA). There are tons of scholarships out there. The most important thing is to find out what your options are. Keep in mind that no scholarship is too small!
A number of businesses and community organizations offer scholarships. Some colleges also have special scholarships for incoming students. Students who receive scholarships generally have to maintain a certain grade point average (GPA). There are tons of scholarships out there. The most important thing is to find out what your options are. Keep in mind that no scholarship is too small!
For more information, go to
StudentAid.gov/scholarships
StudentAid.gov/scholarships
.
.
Figure
HOW Will I Pay for College?
Page 35
HOW Will I Pay for College?
Another Way to Pay for College: Serving Our Country
When you serve our country—during or after college—there are opportunities for aid that will cover either some or
When you serve our country—during or after college—there are opportunities for aid that will cover either some or
all of your educational costs:
•
•
•
•
AmeriCorps—This nonmilitary community-service program provides help with college costs and student loans to
AmeriCorps—This nonmilitary community-service program provides help with college costs and student loans to
members who successfully complete service.
•
•
•
U.S. service academies—The U.S. Air Force, U.S. Army, U.S. Coast Guard, U.S. Merchant Marine, and U.S.
U.S. service academies—The U.S. Air Force, U.S. Army, U.S. Coast Guard, U.S. Merchant Marine, and U.S.
Navy provide free education for students who commit to serve in the military upon completion of their education.
•
•
•
Reserve Officer Training Corps (ROTC)—This campus-based program offers scholarships in varying sizes to
Reserve Officer Training Corps (ROTC)—This campus-based program offers scholarships in varying sizes to
students interested in serving in the military after college.
•
•
•
GI Bill—Men and women who enlist and serve in the armed forces may apply for and receive financial support
GI Bill—Men and women who enlist and serve in the armed forces may apply for and receive financial support
for college.
Figure
Page 36
HOW Will I Pay for College?
Activity Page
Activity Page
See how much you remember about financial aid! Unscramble each financial aid term based on its description.
See how much you remember about financial aid! Unscramble each financial aid term based on its description.
See how much you remember about financial aid! Unscramble each financial aid term based on its description.
See page 36 for the answers.
See page 36 for the answers.
1. Job that helps you earn money to pay for college
1. Job that helps you earn money to pay for college
r
r
o
w
k
-
u
t
y
s
d
Figure
2. Financial aid award that you don’t have to repay;
2. Financial aid award that you don’t have to repay;
usually based on need
n
n
a
r
g
t
Figure
3. Form you must complete to be eligible for federal student aid
3. Form you must complete to be eligible for federal student aid
A
A
F
S
A
F
Figure
4. Financial aid award that you must pay back, typically with interest
n
n
n
n
n
n
n
o
o
o
l
l
l
a
a
a
Figure
5. Financial aid award that you don’t have to repay; usually based on good grades, talents, or skills
p
p
p
p
p
p
p
i
i
i
c
c
c
l
l
l
o
o
o
r
r
r
h
h
h
a
a
a
s
s
s
s
s
s
h
h
h
Figure
Page 37
NOW What? Next Steps
NOW What? Next Steps
NOW What? Next Steps
NOW W
NOW W
hat
?
Next Steps
Figure
Take the next steps in learning about education beyond
Take the next steps in learning about education beyond
high school and how to pay for it!
•
•
•
Start saving a portion of your allowance, birthday money, and any other
Start saving a portion of your allowance, birthday money, and any other
money you receive for college. No matter how much or how little you
save, every cent makes a difference in affording your higher education!
•
•
Stay in touch with members of your college support team. Routinely
Stay in touch with members of your college support team. Routinely
discuss with them your college and career plans.
•
•
Visit
StudentAid.gov/early
StudentAid.gov/early
for additional information and resources.
for additional information and resources.
•
•
If you have an older brother or sister either already in college or
If you have an older brother or sister either already in college or
getting ready to attend, talk with them about their experiences and
expectations. Don’t be afraid to ask questions. You can gain from
their knowledge.
•
•
Check out
StudentAid.gov/resources
StudentAid.gov/resources
to find our latest fact sheets,
to find our latest fact sheets,
infographics, and other publications about financial aid.
•
•
Watch short videos about federal student aid at
YouTube.com/FederalStudentAid
YouTube.com/FederalStudentAid
.
•
•
Review the “Five Important Questions About Paying for College”
Review the “Five Important Questions About Paying for College”
handout on the next page with your counselor, and get answers to
these questions.
•
•
Have fun! As you put into action all of these ideas from this workbook,
Have fun! As you put into action all of these ideas from this workbook,
you’ll learn so much—about college, about careers, and even about
yourself!
Page 38
NOW What? Next Steps
NOW What? Next Steps
Five Important Questions About Paying for College
Five Important Questions About Paying for College
Please discuss the following questions related to funding your education beyond
Please discuss the following questions related to funding your education beyond
high school with your school counselor. See page 36 for possible answers you
could receive from your counselor.
1.
1.
1.
1.
What scholarships are available in my state or school district?
What scholarships are available in my state or school district?
2.
2.
2.
How can my grades affect my financial aid opportunities?
How can my grades affect my financial aid opportunities?
3.
3.
3.
Why should I fill out a FAFSA
Why should I fill out a FAFSA
®
form when I’m a high school senior?
4.
4.
4.
What else can I do to learn about financial aid opportunities?
What else can I do to learn about financial aid opportunities?
5.
5.
5.
How can I discuss paying for college with my family or college support team?
How can I discuss paying for college with my family or college support team?
Page 39
Notes
Notes
Page 40
Notes
Notes
Page 41
Notes
Notes
Page 42
Answers
Answers
PAGE 4
PAGE 4
1.
1.
1.
1.
all of the above
all of the above
2.
2.
2.
four-year college
four-year college
3.
3.
3.
community college
community college
4.
4.
4.
all of the above
all of the above
PAGE
PAGE
30
1.
1.
1.
1.
work-study
work-study
2.
2.
2.
grant
grant
3.
3.
3.
FAFSA
FAFSA
4.
4.
4.
loan
loan
5.
5.
5.
scholarship
scholarship
PAGE
PAGE
32
1.
1.
1.
1.
Answers will vary depending on your state or school district.
Answers will vary depending on your state or school district.
2.
2.
2.
Your grades are important particularly if you plan to receive scholarships. High
Your grades are important particularly if you plan to receive scholarships. High
school students who receive scholarships from the community or colleges generally
have earned good grades. Scholarship providers feel more comfortable helping
these students pay for college because they have demonstrated that they take
school seriously.
3.
3.
3.
You should fill out the FAFSA form during your senior year to find out whether you
You should fill out the FAFSA form during your senior year to find out whether you
qualify to receive federal student aid. Also, colleges, states, and some scholarship
providers use your Expected Family Contribution, or EFC (determined by your FAFSA
information), to figure out how much financial help you need.
4.
4.
4.
To learn more about financial aid opportunities, attend college fairs to speak with
To learn more about financial aid opportunities, attend college fairs to speak with
school representatives, visit your local library to find books on scholarships, and
explore student-friendly websites that offer college and scholarship searches.
5.
5.
5.
Begin your discussion with your parents or college support team by explaining your
Begin your discussion with your parents or college support team by explaining your
interest in college and your future career goals. Ask your parents or support team
to help you develop ways to start saving for college (e.g., assisting you in finding a
summer job and opening a savings account).
Page 43
Questions
Questions
Have questions about federal student aid and want to talk to a real person?
Have questions about federal student aid and want to talk to a real person?
Call the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243; TTY for the hard of hearing
Call the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243; TTY for the hard of hearing
1-800-730-8913). Callers in locations without access to 1-800 numbers may call 334-523-2691 (this is not a
toll-free number).
Notice to Limited English Proficient Persons
Notice to Limited English Proficient Persons
If you have difficulty understanding English, you may request language assistance services for Department of Education
If you have difficulty understanding English, you may request language assistance services for Department of Education
information that is available to the public. These language assistance services are available free of charge.
If you need more information about interpretation or translation services, please call 1-800-USA-LEARN
If you need more information about interpretation or translation services, please call 1-800-USA-LEARN
(1-800-872-5327; TTY for the hard of hearing 1-800-437-0833), or email us at
Link
ed.language.assistance@ed.gov
.
Or write to:
Or write to:
U.S. Department of Education
U.S. Department of Education
Information Resource Center
Information Resource Center
LBJ Education Building
LBJ Education Building
400 Maryland Ave., S.W.
400 Maryland Ave., S.W.
Washington, D.C. 20202
Washington, D.C. 20202
To view federal student aid publications and resources in Spanish, go to
To view federal student aid publications and resources in Spanish, go to
StudentAid.gov/recursos
StudentAid.gov/recursos
.
Page 44
Find detailed federal student aid information at
Find detailed federal student aid information at
StudentAid.gov
StudentAid.gov
.
Stay connected:
Stay connected:
Figure
/FederalStudentAid
/FederalStudentAid
/FederalStudentAid
Figure
Body_Copy
Figure
/FAFSA
/FAFSA
/FederalStudentAid
/FederalStudentAid
Body_Copy
Figure
Printed: July 2017
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