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EmPowerment 21

EmPowerment 21. Things I've learned from EP21 teensEarly Bird gets the worm...Teens showing up their Senior year are at such a disadvantageFAFSA, FAFSA, FAFSA, FAFSA, FAFSA on Jan 2 of Sr. yr and each yr until graduation!!!C-students

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EmPowerment 21

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    1. EmPowerment 21 Welcome/Intro/Suggestions/ 2007/2008 High School Grads /Thanks Timeline Review Stephen Curry: No ACC school wanted him…so he got other beads…what about you? Things I’ve learned over the last five years about scholarships and college Recognition – Scholarships Teens are not in touch w/reality about the cost of college: Parent-Teen Reality Slide Video Clip – Teens must be taught how money and credit works http://financialfitnesscoach.com/ – Great source of financial information Confetti example – “you reap what you sow” Other tips for students - “I be thinking” - George Wallace Flavor How will you spend your Summer (Internships, Volunteer, Playing Video Games) Summer programs (ACCD) – Toyota, Sheet Metal, Electrical, etc. Why should you come to the last workshop? – Brochures, Scholarships, Parting Gifts, Guest Speaker, etc…but why do you need to be tricked to come? This is for you!

    2. EmPowerment 21 Things I’ve learned from EP21 teens Early Bird gets the worm...Teens showing up their Senior year are at such a disadvantage FAFSA, FAFSA, FAFSA, FAFSA, FAFSA on Jan 2 of Sr. yr and each yr until graduation!!! C-students & those who sit out: tough getting meaningful 4-yr scholarship $ - sorry..? Count your blessings if you get into a tough school but get no money…Your teen did good Colleges are in the drivers seat and they know it…Perfect Storm: Tuition, Economy, Teens Don’t just focus on a couple of schools – there are schools looking for some of you, but… Most teens just talk the talk, but they don’t walk the walk when they are alone (integrity) SAT/ACT scores need to be a priority early…don’t wait until your Sr Yr; 1100 or 21 plus! Know the rules of standardized test (ACT vs SAT)…Use free tools likeNumber2.com Don’t let the word, “minority” or “hispanic” stop you from looking at sites! Treat the scholarship search like a job and not church – not based on how you feel Apply for more scholarships (40 isn’t enough – may lose) – Ebony Girl (100-200) Send scholarship applications in w/o getting them checked if you don’t want the money Don’t re-invent the wheel…use the minefield philosophy (website teens, peers, etc.) Learn to divide and conquer when possible – Teen one way, parents the other…Then Talk!

    3. EmPowerment 21 Learn to listen…why sit here and not listen (FASTWEB example) Take advantage of EVERY opportunity when offered ($30K audio, LAFB ofcr wives, MLK) Just showing up is half the battle (not like a car in a garage)/Parent part-time job worth it? Don’t procrastinate – quality goes down as you get closer to the deadline Learn to love essays – start early by beginning with the end in mind – or just give up now Most teens can do what it takes; they just won’t make the time to do it…treat like a job Learn to master the internet for your scholarship search – it will amaze you don’t give up! Attend Summer programs at schools you are interested in (teens learn to love them) Schools want to help you, but you got to ask them nicely – need-based isn’t always NB! Difference between the University and the individual Colleges – court both! Sponsors too! Sit up front and DON’T BE LATE!!! Excuses are like armpits…everybody has a pair, &… Don’t belittle Jr Colleges – Best place for some of you! Price is right!!! Most parents don’t want to put in the work or make their teens do what needs to be done Some of you won’t attend or finish college – then be the best “whatever” you can be! $$$ We need Big Mama back…? …when adults ran the house and kids obeyed…

    4. EmPowerment 21

    5. EmPowerment 21 #3 Go where you're wanted Somewhere out there is a college or university that's dying to have you as a student. Find that school, fire off an application and watch the cost of your college education drop. Not sure where to start your college search? Begin by checking out smaller, regional colleges in your area. An excellent but less-known college may be searching for a student just like you. #4 Choose a tuition-free school Overwhelmed by tuition prices and the prospect of paying massive student loans after you graduate? Why not attend a tuition-free school? You get the college education you want without the hefty price tag. The catch? You may have to work. Some schools require students to work 10 to 15 hours a week on campus and in jobs related to their majors

    6. EmPowerment 21 #5 Get a sponsor Can't quite swing the cost of college? Federal student loans are the best way to go when borrowing money for school. The government sets the maximum rate of interest and any qualified federal loan lender is able to charge less, such as MyRichUncle. The company provides federal Stafford , PLUS and Graduate PLUS student with upfront interest rates that start at repayment. There are no minimum numbers of on-time payments to qualify and this interest rate cut will never be taken away from the borrower, so long as they don't default of their loan. Fortune 500 companies – current college students (Hyatt, Marriott, McDonalds, etc.) #6 Lock in tuition Consider locking in a single tuition rate for four years. The tuition rate you pay as a wet-behind-the-ears freshman is guaranteed until you graduate. No more losing sleep over skyrocketing tuition costs.

    7. EmPowerment 21 #7 Work off debt with community service Got your degree? Why not do some good and wipe out a big chunk of education debt at the same time? Recent college grads can cancel part or all of their federal-education debt by working in public-service jobs -- lower-paying professional jobs that serve low-income communities -- or by volunteering. Loan-forgiveness programs are available to everyone from teachers to nurses to young doctors and lawyers to Peace Corps volunteers. .

    8. EmPowerment 21 #8 Never give up on scholarships You don't have to be a great student to land a big scholarship. Unless it's strictly an academic scholarship, your grades don't really matter. As long as your grades make the cutoff, often a 2.5 GPA or higher, you have as good a chance as any applicant of bagging a scholarship. And there's no reason your scholarship search can't continue through four years of college. Even with the recent credit crisis, these alternates for monetary funds should be able to make sure your child has a great chance to attend a college without you worrying about how it will get paid for. Example of site w/scholarships: http://www.utsa.edu/scholarships/searchsch.cfm

    9. EmPowerment 21 Good Websites http://www.utsa.edu/scholarships/searchsch.cfm (unbelievable what is available to you!!!) http://www.accd.edu/main/html/news/2007/073107.htm http://www.accd.edu/sac/pr/Update/volum9/up022103.pdf http://www.energy.gov/scholarships&internships.htm DIA Summer Internship - http://www.dia.mil/employment/student/index.htm http://search.yahoo.com/search?ei=utf-8&fr=slv8-hptb6&p=scholarship%20internship (Example: Page 3, Cargill Scholarship)

    10. EmPowerment 21 Family Income = $5,000 Family Bills/Taxes = $3,500 Family Miscellaneous = $700 Family Savings = $800 College Cost = $19,000/yr ($76,000 for 4) Cost per month = $19K/12 = $1,583/mo Where does the money come from??? Double income! No such thing as a “Parent Retirement Loan” (Alpo Diet)

    11. EmPowerment 21 Caucasian Scholarships at an HBCU-A Best Bet Maybe one of the best places to shop for a “minority” scholarship aimed at white males is through one of the public Historically Black Colleges and Universities (HBCUs). The system of Historically Black Colleges and Universities (HBCU) was established to provide African Americans with a viable place to secure a rightful college education, at a time when they were afforded the same legal rights to a higher education, but in many instances could find none. Now many HBCUs are scrambling to diversify—they have to, under Title VI of the Civil Rights Act of 1964, which clearly states that any institution that receives federal aid may not discriminate on the basis of race, color, creed or sex. This means that public HBCUs must recruit students from all backgrounds. A few state’s public HBCU systems have been involved in bitter and lengthy legal battles over the issue of segregation. Various decisions have forced quite a few predominantly black institutions to begin aggressively marketing “minority” scholarships to white students:

    12. EmPowerment 21 Tennessee State University is so down in its minority—white—population that the State is now funding “scholarships for Caucasian Tennessee residents.” These scholarships are rooted to the recent outcome of a lengthy court case known as the Geier case that has called over the last two decades for desegregation of Tennessee’s “dual educational” system of which TSU was a part. Long range plans for the desegregation have included assuring a balanced student body. During the mid-1980s the agreement put in motion a new system of other-race recruitment: black recruiters for white colleges and white recruiters for black. To those ends the Geier called for stepped up scholarships and financial aid to boost the process. In late 2006, the Geier case was finally dismissed on the grounds that the State had in fact effectively undone its dual system, thanks to the urgings of the Geier case over the years. The scholarships for whites cover room and board for eligible candidates. Diversity Scholarships for both undergraduate and graduate white students are a special program of Alabama State University and Alabama A&M University. The goal is to boost enrollment of those underrepresented in the school: whites and Native Americans, specifically at ASU and “Caucasians” at Alabama A&M. In fact as the result of a discrimination case, a federal court judge in 1995 commanded both ASU and Alabama A&M University to vigorously diversify.1

    13. EmPowerment 21 Jackson State University in Mississippi has a student body composition of over 6,000 African Americans and about 200 Caucasians.2 The university’s Diversity Scholarships are restricted to Caucasian applicants. Mississippi, like Alabama, has had to scramble to rollout diversity scholarships at its public HBCUs, following a landmark segregation case. Under terms of the settlement the state’s public HBCUs are required to bring levels of “non-black” students to 10 percent of their student body at which time they will receive critical funding to bring their programs up to speed with the other public universities in the state, the initial crux of the legal fight. In response JSU, along with Alcorn State and Mississippi Valley have all ramped up recruitment of their biggest minorities—whites. It’s not that they want to, but they now have a monetary carrot dangled before them. Diversity Scholarships through Alcorn State University in Mississippi are given to “non-black” applicants. Full and partial scholarships are awarded and candidates must have at least a 3.0 GPA to qualify. Mississippi Valley State University offers undergraduate and graduate Diversity Scholarships. Grad scholarships may cover a full tuition while the undergrad version awards $700. Applicants for both must be “non-black.”

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