As college tuition outpaces aid, poor families weigh college options ---
HOW TO RESOLVE THE PROBLEM of
CAN SERIOUSLY HURT A FAMILY THESE DAYS
Sending a child to college takes more than good grades and a big check these days. More than ever, it requires compromising on where to attend or taking on a mountain of debt – or both. Two-plus years of economic malaise have made four years of college that much harder to pay for. This has prompted many families to delay or alter their plans. It’s not just that tuition and fees are still rising 5 percent or more a year. Or that some colleges tripled tuition fees. It's also that COLLEGE SPORTS drain the college budget! So they can't give an inch to the student, not a grant, nothing! ALL those muscle bound bozos under foot, taking up space. Useless eaters but 12 million a year per college is the reputed cost of this indulgence. It's not just that tuition and fees are still rising 5 percent or more a year. Or that some colleged tripled tuition fees. It's also that COLLEGE SPORTS program drains the college budget! 12 million a year per college is the reputed cost of this indulgence. There's no money left for anything. Grants and financial aid awards have failed to keep pace. The resulting price tags are as high as $55,000 a year at elite colleges and $28,000 for some students to attend their state universities.
But there are many kinds of typical state aid available, see:
http://www.finaid.org/otheraid/
These older articles mention losses of 2 to 4 million a yr per college on sports, scholarships, airline tickets, coach salaries. but they're about 3 yrs out of date. you google around find recent figures. Nowadays it's up to 12 million, according to NPR RADIO show i heard, this last week. The two pbs sites don't mention what was on radio.
http://www.pbs.org/wnet/need-to-know/pitchroom/are-college-sports-worth-the-cost/7827/
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http://www.usatoday.com/sports/college/2010-01-13-ncaa-athletics-subsidies_N.htm
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http://www.nytimes.com/2009/05/30/sports/30colleges.html
So if you can Imagine the full horror of how much money goes for FOUR YEAR player scholarships, we start our ACTIVISM, our campaign to close down sports everywhere on college level cuz it only results in a lot of straight F students, bozos who will leave the game and become used car salesmen or farmers after a stint in college. How many kids can't get into that college cuz of the bozos in the college stadium? Or the studs getting flown around the country for games? GIVE IT UP AMERICA! Cuz currently, there's no money left for Straight A students . Grants and financial aid awards have failed to keep pace. student loans are a rip off, leaving jobless people with debt that can't be skirted. LIFE destroying debt. POORHOUSE debt.
SOME ISSUE ACTIVISM and a big, fat publicity campaign will stop the whole sick process dead. It deserves to die. We are glutted with PRO sports, let's quit the college level stuff. It's just a talent show for the pro's and smart kids are paying for it not getting educations. Working entry level flipping burgers. And college sports mean that the resulting price tags for a college education are as high as $55,000 a year at elite colleges and $28,000 for some students to attend their state universities.
College-bound students clearly are factoring cost more heavily into their school choices, sometimes after having tough conversations with their parents. They are shifting from private to public colleges, taking “gap years” after high school to save money or attending school part-time while working, based on enrollment figures and anecdotal evidence from admissions counselors and other experts. To cover the extra costs, parents are increasingly dipping into retirement savings and loading up on debt.
So are their children. Student loan debt surpassed total credit card debt in this country for the first time this summer, totaling $850 billion, according to financial aid expert Mark Kantrowitz, publisher of FinAid.org. As one troubling consequence, the national student loan default rate has risen in each of the last three years. That means lives ruined, bright kids hiding in caves!
While enrollment numbers are up nationwide, the strain for families to complete their education is evident. Applications for financial aid are soaring, and families at all income levels are appealing for more assistance. More students are enrolling in two-year colleges and asking private admissions consultants for more cost-saving options to consider.
'Parents are calling about their lower income and lost jobs. They’re really scared,' says Katherine Cohen, a college admissions counselor and founder of ApplyWise, an online college admissions counseling site. 'I see much more urgency than before the financial crisis.'
It may require some creative planning, but many families are finding ways to navigate the cost maze without jeopardizing their financial future.
GO TO A NEARBY COLLEGE BY CAR, DO NOT LIVE THERE. One increasingly popular option is going to community college for a year or two before finishing at a four-year school. Enrollment at the nation’s nearly 1,200 community colleges has jumped 17 percent in the past two school years, nearly double the increase at universities or private colleges. It’s a strategy that can cut the cost of a bachelor’s degree nearly in half.
Griffin Boyle, 18, of McLean, Va., was accepted at Penn State University, which he wanted to attend for its sports journalism program. But tuition, fees and room and board would have cost more than $36,000 a year. So he is living at home and commuting to George Mason University, a state school that costs $8,700 in tuition and fees.
'It isn’t any longer about me sitting upstairs while my parents are sitting downstairs crunching the numbers. It’s become a discussion about what the three of us can do,' Boyle says. 'I thought of this as an opportunity to take advantage of a school that’s 15 minutes away, save an immense amount of money, definitely make my parents happy.' He hopes to ultimately finish his degree at a pricier school. (MORE ILLUSTRIOUS REPUTATION)
Total grant aid has been rising slightly, including federal Pell Grants for the neediest students. But there isn’t nearly enough aid to meet surging demand. A 40 percent rise in the number of applicants for federal student aid from two years ago has shrunk the average amount available to each student in need.
The widening affordability gap is limiting college access for some high school graduates, according to a report made to Congress this summer by the Advisory Committee on Student Financial Assistance.
'It used to be that if you came from a low- to middle-income family you could graduate from college without any debt, between state and federal grant aid,' says Lauren Asher, president of the Institute for College Access and Success in Berkeley, Calif. Now, she says, with the economy causing a strain not just on families but state budgets, and funding for colleges and universities too, it’s often a question of whether they can go at all.
Borrowing has become a primary, albeit costly, vehicle to a college degree. Sixty-seven percent of students graduating from four-year schools in fiscal 2008 carried student loan debt, according to government statistics. That number has increased 27 percent in four years and more than doubled since the early ’90s.
Even at public universities, graduates with student loans carried an average $20,200 in debt.
About 10 percent of bachelor’s degree recipients in 2008 borrowed $40,000 or more.
piece by Dave Carpenter of the Associated Press rewritten by Anita Sands Hernandez, who's just the POSTERGOOGLE "JOIN THE ARMY" GET TUITION PAID IF YOU SURVIVE ENDLESS WARS! Ask me, do you feel lucky?
MORE on BEST THREE WAYS TO SAVE for tuition
by DAVE PITT:http://www.spokesman.com/stories/2010/sep/26/families-use-various-ways-to-pay-bill/
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