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FAP879: The Economy and Your Financial Aid

Fri, 10 Oct 2008 18:54:46 +0000

FAP879: The Economy and Your Financial Aid

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Weekly Financial Aid News Roundup
+ Parents: please, please, please if you have 529 plans, check with your investments advisor about its status and whether you should be doing anything with it. My advice - and I’m not a financial planner - is that if you will need the money in the next year or two, ask your advisor if there’s a 100% conservative, no-growth but no-risk option.
+ Charles Schumer and protecting student loans
+ Tufts University notifying students

Special: How the financial crisis is affecting your financial aid
+ I have been getting alot of calls from clients who originally did not want to take advantage of the student & parent loan programs available to them. But since the equity markets have turned down and have lost on average 30% since last October, the assets set aside are worth significantly less and parents do no wish to sell at huge losses right now. In addition, due to the credit squeeze banks are less likely to lend unless you have a perfect credit score and I have heard banks freezing existing home equity lines of credit so parents are no longer able to borrow. Many parents/students are not aware of the Continued Access to Student Loans legislation passed mid May that went into effect July 1 2008. the schools did a terrible job of making this known. This increased the limits students can borrow and the terms which parents can repay loans. many more parents are looking to take student and parent loans under the federal programs to help manage the cashflow needed to pay tuition bills. - John Hough, CFP
+ I’m a graduate student, and I’d like to be a college professor someday. In order to do that, I have to pay for 3-5 years of graduate school after I finish my Master’s in History. With the current financial state, my wife and I don’t think we’ll be able to pay for this, so we’re not sure what we’re going to do, she also has to go back to school (as per New York State’s requirements for all teachers to get their Master’s), but we don’t know if we can pay for that. To complicate matters, there’s no guarantee my student loan will even be there next semester to pay for my current school, so I’d like to speak for other graduate students and say, don’t forget about us when it comes to how our college plans have changed because of the current situation. - Brandon M.
+ My financial aid was cut because of the scholarship, but not completely. I was able to still get $3000, but I don’t know when I will actually get it. What I’m hearing at my campus is that all of the financial aid has been delayed due to the banks failing, so all of the financial aid has to be repackaged and in the meantime, tuition is due and a lot of people are having to put it on their credit cards. - Naomi
+ My husband and I just last month closed our two VA 529 account to have the cash now. Our sons are 4 and 1 and we’re just hoping we have more money later to cover it. The money we collected (approximately $30,000) is going towards credit card expenditures that got out of hand while my husband’s business (construction/remodeling) slowed down recently. - Samantha

Scholarship Updates
+ $10,000 scholarship from the Student Loan Network
+ Art Institutes Passion for Fashion Full Tuition Scholarship
+ William Randolph Hearst Endowed Fellowship for Minority Students
+ Central Christian College of the Bible Full Tuition Scholarship
+ Symantec Research Labs Graduate Fellowship

News You Can Use
+ Tomatoes in your financial aid

Free Stuff Friday
+ Free Trojan - just one. (how weird)
+ Free antibiotics for 14 days with prescription at Publix pharmacies
+ Cappuccino lozenges for smokers trying to quit
+ Livestation has free live streaming TV. I’m addicted to Bloomberg.
+ Google Mail Goggles is the funniest thing I’ve seen in a while
+ A great speedy no-kneading bread recipe
+ Hulu has plenty of election coverage and live debate coverage

Free Song of the Week
+ Kill the Lights, David Usher

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Reminders
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+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.
+ Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook
+ Free college scholarships contests!
+ Open an FDIC-insured savings account today!
+ Stafford federal student loans at StaffordLoan.com
+ Parent PLUS loans at ParentPLUSLoan.com
+ Graduate student loans at GradLoans.com
+ Private student loans available at any time - visit AlternativeStudentLoan.com
+ Private student loan consolidation at StudentLoanConsolidator.com
+ FAFSA form tutorials and free help at FAFSAonline.com
+ The Financial Aid Podcast is a publication of the Student Loan Network.

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Daily Aid 22: Protecting your job in a recession

Thu, 09 Oct 2008 13:00:32 +0000

Daily Aid 22: Protecting your job in a recession

Student Financial Aid News

From Inside Higher Ed:

The latest generation of adults in the United States may be the first since World War II, and possibly before that, not to attain higher levels of education than the previous generations. While white and Asian American young people are outpacing previous generations, the gaps for other minority groups are large enough that the current generation is, on average, heading toward being less educated than its predecessor.

Commentary

This should be a surprise to no one. There’s a correlation between minorities and income, and obviously income dictates how much education you can afford. The only way to close this gap, from an economics perspective, is to either raise incomes or lower the cost of education.

From NASFAA:

“The credit crisis tying global financing systems into knots has left hundreds of colleges scrambling for cash to pay their bills and to cover the spiking interest on their debts,” The Chronicle of Higher Education reports. “While it is still unclear to what extent the federal government’s new $700-billion bailout package will help unwind the credit tangle, the crisis has exposed weaknesses in policies and management that left some institutions more vulnerable than they should have been. A few have already halted construction projects in midstream because of the higher cost of borrowing. Others are considering faculty or pay cuts.”

Commentary

Again, no surprises here. Everyone has to pare back, cut back. Don’t be at all surprised if financial aid gets messed up for the spring semester if colleges’ assets are still locked down due to bank failures. Plan accordingly, folks. Plan to have financial aid be completely messed up, plan to have 529 plans depleted in the short term, plan for things to be really ugly. Why? If they’re less than the worst case scenario, then you get to have a pleasant experience as you’ll have prepared for the worst. If they’re as bad as they appear now, you’ll be ready.

Scholarship hunting should be your full time job now.

Scholarship Update

Art Institutes Passion for Fashion Full Tuition Scholarship. The Art Institutes Passion for Fashion Competition offers high school students interested in Fashion Design or Fashion Marketing & Merchandising or Retail Management an opportunity to win a full tuition scholarship to study at one of The Art Institutes schools.

Open to high school seniors across North America, The Art Institutes Passion for Fashion Competition was created to encourage and reward young fashion design and fashion marketing, merchandising and retail management talent at the high school level.

The competition consists of two categories, Fashion Design and Fashion Marketing & Merchandising and Retail Management. The grand prize in each category includes a full tuition scholarship to The Art Institutes school location with a Fashion program at which the student entered the competition.

Details at our free college scholarship search site.

Jobcast

Very rough, very turbulent times. How do you protect yourself and your career during an economic downturn?

Know in advance what’s going on in your industry. No matter what industry you belong to, there are trade journals, blogs, news sources, and more, all of which will contain little pieces of the puzzle. Assemble them, connect the dots, and you’ll have the knowledgebase you need to foresee the future and help your company position itself to win.

If you’re interviewing for a job, the ability to give insights during an interview will place you far above any other candidate, because most candidates want to talk about themselves and not as many are equipped to deliver value to the interviewer during the interview.

Have money saved up. I can’t emphasize this enough - put aside money as much as you can for a rainy day, for basic necessities. The more you have saved up, the more judicious and deliberate you can be in a job search. If you desperately need to make rent, you’ll leap at the first opportunity - and potentially miss the real one later.

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Don’t sacrifice the future to pay for the present or past

Wed, 08 Oct 2008 15:14:26 +0000

I’ve been gathering stories from customers, consumers, listeners, and readers about the economy and its impact on financial aid. This response struck me as particularly heartbreaking:

My husband and I just last month closed our two VA 529 account to have the cash now. Our sons are 4 and 1 and we’re just hoping we have more money later to cover it. The money we collected (approximately $30,000) is going towards credit card expenditures that got out of hand while my husband’s business (construction/remodeling) slowed down recently.

I can’t emphasize this enough: don’t sacrifice the future - yours or your childrens’ - for the present or the bills from the past.

In this situation, I would have actually suggested you to keep the money saved in your childrens’ names in the 529, taken out a corporate line of credit to cover your personal expenses (which is how it should have been handled in the first place, keeping a small business’ expenses separate from personal expenses) and then had the corporation declare bankruptcy.

I wholly understand and recognize that things probably looked dire, that you were trying to do your best given the circumstances, but there were two very high costs here. First, the time value of money was lost - the money saved that was used is no longer earning interest, and while you rebuild that for your kids, that time value is still diminished. Second, personal and business expenses got mingled together, and that’s a major accounting no-no for many, many reasons, not the least of which is that liability for debts can bleed from a business into personal.

Please, if you or someone you know is in a similar situation, get to a financial planner or CPA very, very soon. Sacrificing the money set aside for a child’s education to pay business expenses is far too high a cost, especially since a business can always declare bankruptcy and dissolve itself, while your child’s future lacks the same flexibility.

Financial planners and CPAs can be had for cheap or even free at local community banks and credit unions.

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Daily Aid 21: Financial aid cuts looming at state schools

Wed, 08 Oct 2008 12:25:07 +0000

Daily Aid 21: Financial aid cuts looming at state schools

Student Financial Aid News

Tufts University President Lawrence Bacow issued this memo:

One major potential impact of the downturn in the economy is on our financial aid budget. We guarantee to meet the full financial need of every undergraduate we admit. If unemployment rises, we can expect to see additional demand for financial aid from our current students as well as from those who will apply for admission to the class of 2013. We have a moral obligation to continue to meet the full need of all undergraduates currently enrolled at Tufts, and we will do so.

Commentary

President Bacow didn’t elaborate on any numbers about financial aid in the rest of the memo, but it was interesting to see the wording that Tufts will continue to meet the need of all currently enrolled students - leaving a little linguistic wiggle room for future students to not see full need met.

As we’ve discussed in the Coming Financial Aid Crisis, everything you see happening in the broader economy will find its way to financial aid eventually. Right now, states are warning that tax revenues are being disrupted by the economy, in some cases severely. New York State, with the loss of so many investment banks, faces an especially tough time ahead.

The Chronicle and comments in the Chronicle blog detail a list of states in trouble, imperiling their financial aid budgets, including Arizona, California, Colorado, Florida, Hawaii, Michigan, Rhode Island, and Tennessee. Massachusetts has issued warnings about the budget as well. If you’re a resident of these states or attend public schools in these states, anticipate cutbacks in financial aid, and plan accordingly.

Scholarship Update

William Randolph Hearst Endowed Fellowship for Minority Students

The Nonprofit Sector and Philanthropy Program (NSPP) of the Aspen Institute in Washington, DC, offers the William Randolph Hearst Endowed Fellowship three times annually. The fellowship, which is based on academic excellence and need, is open to both undergraduate and graduate students of color. The Hearst Fellow serves as an intern with NSPP. Through this fellowship, NSPP seeks to introduce a diverse group of students to issues relating to philanthropy, volunteerism, and nonprofit organizations. Recipients may arrange with their colleges or universities to receive academic credit for this experience. The Aspen Institute’s Nonprofit Sector and Philanthropy Program seeks to improve the effectiveness of nonprofit organizations and philanthropy through research, leadership, and communication initiatives.

Details at our free college scholarship search site.

News You Can Use

By now it should be apparent that the average person on the street isn’t getting a bailout. That said, there’s an absolutely fantastic piece on the Consumerist blog that falls into the must-read category. Call it the DIY bailout.

Read the Consumerist post on eliminating $14,000 in debt in 20 months.

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Open Letter to Senator Charles Schumer

Tue, 07 Oct 2008 17:23:29 +0000

From NCHELP:

In response to the continued tightening of the private student loan market, Senator Charles Schumer (D-NY) yesterday unveiled his four-pronged plan “to protect students and families who struggle to pay for college.”

“We need to build an impermeable wall around the student loan market to protect our kids from this financial crisis,” Schumer said. “With all types of credit tightening up, we need to ensure that families and students can get the loans they need to pay for college. If even one high school grad has to forgo college because they can’t get the loans they need to pay for it would be a great casualty of this economic crisis. We need all hands on deck to make sure that the student loan market is protected at all costs. My plan will both protect borrowers right now and over the long term should things get worse.”

Senator Schumer,

Might you consider instead asking your colleagues in the Senate and House to allocate some of the trillions of dollars spent on bailouts towards the Pell Grant Program instead of more loans? We don’t need an impermeable wall around the student loan world. We need to get money to people at the grassroots level, not Wall Street.

In case you were wondering, I work at a student loan company. Heck, I’m a senior executive at one. You’d think I’d be thrilled at the idea of making sure student loans are available at all costs, but the honest truth is, I’m not. Yes, absolutely, I still want my company, the Student Loan Network, to do well, to provide legitimately useful products and services to anyone interested in higher education, but I also firmly believe that college students and families need more than just more loans.

Let’s run the numbers:

$150 billion for Fannie Mae
$150 billion for Freddie Mac
$85 billion for AIG
$30 billion for Bear Stearns
$700 billion for a general bailout plan
$900 billion for an expanded Term Auction Facility
Up to $1.3 trillion for unsecured corporate debt

Total: $3.315 trillion

Total size of the annual student loan marketplace: $100 billion

For the amount of money used for bailouts already allocated, you could have paid off every single student loan in the country several times over. You could have released an entire generation from debt and provided a real economic jolt by helping those citizens who borrowed to invest in their futures keep more of their monthly income.

So here’s my plea, even though it would mean less business for us: don’t protect the student loan marketplace. Protect the students themselves by using just a small amount of the $3.315 trillion to increase grants, scholarships, and other non-loan opportunities.

Thanks.

Christopher S. Penn
Chief Media Officer, the Student Loan Network

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Daily Aid 20: A tomato in your financial aid

Tue, 07 Oct 2008 12:52:00 +0000

Daily Aid 20: A tomato in your financial aid

Student Financial Aid News

From Inside Higher Ed:

Community colleges and the government need to do more to make sure that community college students apply for federal student aid, according to a new report by the federal Advisory Committee on Student Financial Assistance. The report notes that many community college students are eligible for aid but never apply. In many cases, the report says, aid could allow the students to spend more time on their academic work and less time working to earn money — and such a shift in time could have a dramatic impact on completion rates.

Commentary

This is unsurprising. Community college students are the most likely to benefit from federal financial aid, since things like the Pell Grant can cover most of the cost of community college. Outreach is where the focus needs to be in order to increase awareness and eligibility for federal financial aid. The Student Loan Network, of course, is an avid proponent of all college students, regardless of need, filing the FAFSA to ensure that no aid opportunities are missed.

From NASFAA:

“Sen. Charles Schumer says particular attention needs to be paid during the current financial upheaval to make sure the student loan market is protected from the credit crunch,” the Associated Press reports. “The New York senator warned Monday that a tight credit market brings difficulties for students and their families looking to get private school loans to help cover tuition costs. He sent a letter to Treasury Secretary Hank Paulson and Federal Reserve Chairman Ben Bernanke asking that they pay particular attention to the student loan market as they go forward with the bailout plan approved last week.”

Commentary

No disrespect to the Senator from New York, but the uncomfortable truth is that the student loan world is no more insulated from the economy than any other industry, and as the economy continues to decline, so will everything connected to it.

The Treasury’s broad authority to buy up just about anything with the $700 billion bailout is vague enough to include private student loans, so if the economic crisis does become dire enough to severely impact financial aid, Secretary Paulson will probably attempt to intervene.

Scholarship Update

Central Christian College of the Bible provides a full-tuition scholarship for every full-time student. This scholarship drastically reduces the cost of attending college and provides students the opportunity to graduate without the burden of educational debt. This full-tuition scholarship may last for four or more years, so long as the student is enrolled as a full-time student. Also, this scholarship will increase with any future increases in tuition in order to ensure that 100% of tuition is covered by scholarship.

Details at our free college scholarship search site.

Eye on the Economy

Hat tip to Harvard professor Greg Mankiw and Jefferson’s Monticello for the Mortgage Lifter tomato story:

The Mortgage Lifter tomato was developed in the early 1930’s in Logan, West Virginia by a radiator repairman, M.C. “Radiator Charlie” Byles. Without any experience in breeding, he made a successful cross of four of the largest tomatoes he could find - German Johnson, Beefsteak, an Italian variety, and an English variety. Radiator Charlie sold the first seedlings of his new tomato in the 1940’s for one dollar each to customers who drove up to 200 miles for his famous plants that bore tasty tomatoes averaging two and a half pounds. With these sales, Charlie managed to pay off his $6,000 mortgage in only six years, and so the tomato was named Mortgage Lifter.

You may be wondering why this is at all relevant to financial aid. Here’s why. First, the fact that this tomato is being seen at farmer’s markets (Mankiw’s readers spotted this photo at the Dupont Circle market in Washington, DC) is indeed a sign of the times.

Second, and more important to you, this is a story of an average person taking charge of their situation at one of the darkest times in the American economy and creating prosperity for himself through innovation.

This is the lesson for all of us. As much as we all try to help, as much as companies like the Student Loan Network can, ultimately, your education is your responsibility to achieve and afford.

It’s also an inspiration. An average guy with a radiator repair history innovated enough to be able to make success during the Great Depression. He wasn’t a botanist or a Ph.D. He wasn’t a rocket scientist or from a privileged background, and yet made prosperity literally out of the dirt on the ground.

What will you do to innovate your way to prosperity in the current economy? How will you take charge of your financial and educational destiny?

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Daily Aid 19: Cost of college, graduate fellowship

Mon, 06 Oct 2008 12:41:41 +0000

Daily Aid 19: Cost of college, graduate fellowship

Student Financial Aid News

From the Boston Globe:

It costs $51,310 to go to BC this year, $51,100 to go to BU, including tuition, room, board, mandatory fees, and the estimated tab for books and other expenses. In both cases, and for the first time in history, that means the price of a year at these schools and many others has surpassed the median US household income of $50,233, a little-noticed if mind-boggling milestone in the history of higher education. While college graduates continue to earn more than workers without university degrees, that advantage - called the “college premium” - has begun to erode. After a spike in 2000, the average weekly salary of a worker with a bachelor’s degree, when adjusted for inflation, has fallen nearly 2 percent below what it was in 2001. “A college education still gets you more than not having one, but it certainly hasn’t been rising lately,” even though the cost of college has, says Jared Bernstein, a researcher at the Economic Policy Institute who reported the trend. “Wages of college graduates have gone up only 2.5 percent since 2000 in real terms. Tuition goes up that much every 20 minutes.”

Commentary

This is going to be a hot topic over the next three years. Why? The economy, no secret to anyone, is going to take years to recover once it finally does hit bottom, and we’re not there yet. That means that there will be less money than ever available for college, from the government, from families, from benefactors, even from lenders. When a year of college means a family has to trade a year of income, there’s a problem.

Also unsurprisingly, wages for college graduates compared to non-graduates have been shrinking, and here’s why - as college has become more and more important, more people have college degrees. The more you have of any resources, the less it’s worth, because value comes from scarcity. If lots of people have a college degree, then why would you pay a premium for a worker with one?

A college degree is a lot like a driver’s license. A driver’s license doesn’t do anything. It doesn’t magically transform you. It just says you’re able to use a vehicle for transportation because you’ve proved minimally competent at moving a chunk of metal and plastic safely from point A to point B. Where you go is up to you.

College degrees are the same. They only show that you were minimally competent enough to get through the postsecondary education process. They in no way prove you’re a phenomenal, best-in-class human being who is guaranteed to be successful, despite what colleges’ marketing materials would have you believe.

Like driver’s licenses, college degrees are so plentiful that there’s not a significant difference in the value of one degree over another. A driver’s license from Minnesota isn’t inherently more valuable than one from Arizona. A college degree from William & Mary isn’t inherently more valuable than one from Franklin & Marshall. Sure, every college claims that their graduates are special, wonderful, unique people, and to an extent they are, of course, but the bell curve isn’t so radically different that the drunk, barely passing Harvard graduate is better than the valedictorian from UMass.

Thus, when it comes to spending money on education, it’s important to realize that for the vast majority of students, accruing unmanageable amounts of debt to attend college for a degree that is largely a commodity isn’t wise. I’ve revised downward my recommendation for a responsible student loan borrowing limit to be the net income of your first year salary after taxes, because that’s effectively what you have available to spend.

Thus, if you graduate from college and start a job earning $30,000 per year, after taxes, Social Security, Medicare, and all the other things that slice away your earnings, you’ll probably have $22,000 or so left over. That’s the limit for what you should borrow in total to pay for college, because as you repay what is probably a 10 year loan, you don’t want to spend more than 10% of your after tax income servicing debt.

Obviously, that 10%, that $22,000, won’t even get you a full semester at list price at Harvard. That’s okay. There are thousands of colleges that you can earn a degree at which will get you the same net result (a degree) for much lower cost, and still give you a great college life experience.

Scholarship Update

The Symantec Research Labs Graduate Fellowship

Symantec will begin accepting applications on Monday, August 25, 2008. The application deadline is Friday, December 12, 2008. Award decisions will be made on February 7, 2009.

+ Symantec will award Symantec Research Labs Graduate Fellowships to outstanding Ph.D. and M.S. students who meet the eligibility criteria listed below. A key goal of the program is to fund innovative research that has real-world value, in areas of Symantec’s business interests in information security, availability, and integrity.
+ Fellowship participants also gain first hand research and development experience through guidance and mentorship from a top scientist of Symantec Research Labs during the fellowship period. Each participant is also encouraged to spend a summer working with their mentor at Symantec on a research project in their area of interest.

Provisions of the Award

+ The fellowship award will cover 100% of tuition and fees for the recipient’s graduate school.
+ A stipend is provided to cover living expenses while in school ($20,000 for 2009-2010).
+ Mentors from Symantec Research Labs are paired with award recipients. The mentor is a top researcher who can provide ongoing technical guidance on the recipient’s research, during their graduate training as well as during summer internships at Symantec.
+ All recipients will be encouraged to take a salaried summer internship with Symantec Research Labs.
+ Each recipient will be given a laptop preloaded with Symantec software.
+ Fellowships are awarded to recipients for one academic year and may be extended for a second year, based on the award recipient’s continued exceptional academic standing, progress and achievement. Any such extensions will be granted solely at Symantec’s discretion.

Eligibility Criteria

+ Applying students must attend a U.S. university in a Ph.D. or Master’s program focused on technology research. Exceptional graduating undergraduate seniors may also apply and final award is contingent on their acceptance to a graduate program.
+ Preference will be given to students with a desire to work in an industrial research lab and those working on research projects likely to have real-world practical value to customers, in areas related to Symantec’s businesses of information security, availability, and integrity.
+ The scholarship awards will be made through the university and are not transferable to another academic institution.

Required Application Information

Applications should be submitted as a single compressed file (.zip file) and must include the following:

+ A completed fellowship application form including a personal statement of research interests not to exceed 500 words. Applicants are strongly encouraged to articulate the practical value to customers of their proposed research areas.
+ A C.V. and thesis proposal (optional).
+ Three letters of recommendation from professors or industry researchers who can evaluate the applicant’s scientific aptitude and potential for research (may be sent confidentially, please see application form for instructions).
+ Incomplete applications cannot be considered and we cannot guarantee notification of incompleteness. Please make sure applications are complete.

Application Dates and Process

+ Fellowship applications will be accepted beginning August 25, 2008.
+ Application deadline is December 12, 2008.
+ As part of the application process, some candidates may be contacted for telephone interviews.
+ The final award decisions will be announced by February 7, 2009.

Get application information at our free college scholarship search site.

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