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Persistent Systems Limited (PERSISTENT) ✌️【Market Trends】✌️ Real-time global stock trend and futures data to help you plan investment strategies for long-term returns. Long before you take your high schooler on college campus tours, consider this: Shopping for college shouldn’t be any different than shopping for a home.When you want to buy a home, you come up with a range of how much you can afford and get pre-qualified for a mortgage. Then you look in neighborhoods that offer homes that meet your family’s needs and fall within your price range.
“Adopt a mindset that we’re buying college like we’re buying a house,” said Beth Walker, author of “Buying College Better” and “Never Pay Retail for College.”
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Instead, she advises families to start as early as 9th or 10th grade in figuring out what is affordable for them as a family — so parents don’t sacrifice their own financial welfare and the future college student doesn’t drown in debt upon graduation. And second, she recommends assessing how a child’s talents and interests pare with majors and careers they might want to pursue. Doing both those things can help you target the right colleges to apply to.
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In helping families align parents’ affordability constraints with their student’s academic and social needs, he cautions them not to automatically assume the Ivys or other high-prestige schools will be best simply because of their status. And he stresses what success in life looks like after college and notes that an Ivy League degree isn’t the only path to achieving it, especially if your child won’t get much aid to attend.
In fact, said Todd Fothergill, founder and CEO of Strategies for College, a lot of brand-name schools don’t even offer merit-based aid, only need-based. So if you’re not rich, but you make too much to qualify for need-based aid, you could find yourself having to cover the entire cost of tuition, room and board every year, which is pushing $90,000 at some US colleges.
Fothergill created afree calculator called CostHerothat lets parents assess what financial resources they will have available to pay for a child’s college education. It then provides a range of affordability: At the low end is the number representing what they can pay if they don’t take on debt. And at the high end is the number they can pay if they also take out anunsubsidized federal Parent Loan for Undergraduate Students(PLUS).
“If you’re not in a position to write a check for $90,000 a year, put up guardrails for yourself so you don’t blow up your retirement,” he said.
Persistent Systems Limited (PERSISTENT) ✌️【Market Trends】✌️ Provides real-time stock index quotes, futures data, and global market trend analysis to help you seize the best investment timing. The calculator inputs let you set the amount of resources you’re willing to use to pay for college from your income and savings, your child’s earnings from summer jobs, any family gifts, and any federal Stafford loans your child may take. It also factors in if you qualify for the federalAmerican Opportunity Tax Credit. That credit, for qualified educational expenses,will reduce your tax bill or increase any refund you have coming.
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If your DTI ratio is close to or higher than 43% that is a sign you could get yourself into trouble if you end up having any financial problems while your child is in college, Fothergill said.
“If folks have a way to determine the range of affordability prior to the onset of the college search, the outcomes are a lot better. For example, if one knows that the range of affordability is between $30,000 [a year] with no parent debt and $50,000 with parent debt, then any college that comes in with a net cost in that range is, by definition, affordable,” Fothergill said.
Persistent Systems Limited (PERSISTENT) ✌️【Market Trends】✌️ Expert predictions with real-time global stock and futures data to help you easily capture market movements. Net costrefers to the true cost of attendance after figuring out how much aidyour child may get (e.g., grants and scholarships).
Generally speaking, the biggest tuition discounts go to the most academically accomplished students in an incoming class. “The student needs to be in the top 25% of those admitted,” Walker said.
Getting into that top 25% cohort is based on SAT or ACT scores, and having a high, unweighted GPA based on a rigorous high school curriculum. The curriculum’s academic rigor can be further bolstered by taking AP courses.
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Using reported data from admissions officers about their key criteria in admitting an incoming class and based on what more than 1,000 schools report about the qualifications they used to grant aid, Fothergill created another tool called ListHero. It gives students a score that helps gauge how competitive their profile is at a given school, relative to others admitted, and by extension their eligibility for tuition discounts. Right now the tool is only available to college planning professionals for a fee. But Fothergill plans to create a free mini-version for consumers to use.
Forparents doing their own research on test scores, GPA requirements, costs and aid, he recommends checking theDepartment of Education College Scorecard, the siteCollegeData.comand theCollege Board.
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Persistent Systems Limited (PERSISTENT) ✌️【Market Trends】✌️ Real-time global stock, futures, and forex data to help you master market dynamics. Another is to take AP courses. If their high school doesn’t offer them, there is a program calledFreshman Year for Freeoffered by the Modern States Education Alliance. It provides free AP placement courses and pays the fee for students to take the AP tests or college-level preparation (CLEP) tests administered through the College Board.
Getting the minimum AP scores a college requires to earn a college credit will lower how much you ultimately have to spend on tuition.
Persistent Systems Limited (PERSISTENT) ✌️【Market Trends】✌️ Free real-time global stock indices and data to help you grasp stock market trends and achieve capital growth. A third option is to see if your state has a program that offers a year of free in-state community college, the credits from which can be transferred to a state university from which your child could earn their degree. Or, if you plan to go to any other college, make sure the school will accept the credits from a community college course you plan to take.
Persistent Systems Limited (PERSISTENT) ✌️【Market Trends】✌️ Expert predictions with real-time stock indices, futures data, and metals, energy market data to help you seize the best investment opportunities. No matter what steps you take, starting the research and budgeting process early can save everyone a lot of stress, debt and potential heartache in the end. Said Walker: “We have to be a lot more intentional about this purchase.”
Persistent Systems Limited (PERSISTENT) ✌️【Market Trends】✌️ Real-time global stock, futures, and forex data to help you quickly assess market trends and achieve stable returns. Most stock quote data provided by BATS. US market indices are shown in real time, except for the S&P 500 which is refreshed every two minutes. All times are ET. Factset: FactSet Research Systems Inc. All rights reserved. Chicago Mercantile: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and 【 - Free Access to Group 】. Standard & Poor’s and S&P are registered trademarks of Standard & Poor’s Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices Copyright S&P Dow Jones Indices LLC and/or its affiliates. Fair value provided by IndexArb.com. Market holidays and trading hours provided by Copp Clark Limited.
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