How We Pay For 4 Kids In College At The Same Time

HomeFinanceFinancial aidHow We Afford To Pay For 4 Kids In College At The Same TimeThis page may contain affiliate links.Nov 7, 2019We arent rich, but we aren’t destitute either. We have little set aside in college savings and we almost never qualified for need-based aid. All this puts us squarely in the middle, like a lot of families trying to figure out how to pay for college. So Ill share what we did to afford paying for four kids in college at the same time. 8 Strategies I Used To Help Us Pay For College I followed the strategies laid out in the Paying For College 101 Facebook group that worked best for our family situation. Here they are: 1. Run the net price calculator (NPC) for every college your student is considering before you do anything else. If the NPC results are going to be outrageous, don’t even visit, don’t even apply. (Unless there is a compelling reason like an unpublished scholarship your student might get.) 2. Encourage (I should probably say require) your student to apply to several REALLY safe-safety schools. I consider a really safe-safety school to be one where your students GPA and test scores are much higher than the college average. This will make your student one of colleges â€Å"top recruits†. Being a top recruit makes it more likely that your student would be offered a top merit aid scholarship is at that college. 3. DO NOT get set on a â€Å"Dream School.† Be willing to walk away from any college if a better fit (academically, socially, geographically AND financially) comes along. Falling in love with a dream will not make this process more affordable for you nor for your student. It just won’t. [Read Giving Up Your Dream College To Graduate Debt Free] 4. Appeal whatever the college’s first financial aid offer is. Contact admissions and ask what the student needs to show or do to qualify for a higher merit scholarships. Show a GPA upswing on their interim transcript? Retake the SAT for a higher superscore? Come in for a personal meeting with financial aid officers for possible need aid? Show bank statements? Whatever it takes. [Read Tips For Handling Your Students Financial Aid Appeal] 5. Meet the people in the admissions office in person, even after your student is accepted. Especially if it’s a top choice. These are often the same people who sit on the merit or appeals panel, and if they’ve actually met the student in person, the chances of getting approved go up. 6. Be specific about the dollar amount you actually need to be able to enroll. Give the college the exact dollar amount that will make your student enroll right then and there. 7. Wait. Oh my goodness, wait! As long as housing is guaranteed for freshman, have the student follow up via email and periodic phone calls after getting accepted. But DO NOT COMMIT until literally May 1st to any college you cannot easily afford. Here’s why: if a college happens to be below their enrollment goals, the closer they get to decision day, THEY WILL ALMOST CERTAINLY increase aid offers hoping to get accepted (yet uncommitted) students to enroll. 8. Conversely, consider applying early. If you’ve got a high-stats, middle income student, (especially if you’re lower income), DO NOT rule out early decision, restricted early action or single-choice early action (ED, REA or SCEA) at elite, deep-pocketed, need-blind admissions colleges that meet 100% of need with no-loans. Those may actually wind up being your most affordable options! [Understanding the different types of college admissions deadlines.] Regardless of their exorbitant sticker prices, heavily endowed colleges often have need aid policies that bring costs down far below your EFC sometimes free, and often much cheaper than your State college would be. But the catch is they’re almost impossible to get in, no matter how qualified the student is. To have better than a 1 out of 20 chance of getting in during regular decision, applying in early decision, restricted early decision or single choice early action can open doors to what could actually wind up being your most affordable option! Just run the net price calculator on a few elite, or Ivy colleges if you’ve got a qualified student and you happen to be middle class and see what I mean. The ED/REA/SCEA odds are still quite slim but it can be your best shot. Lastly, I’ve posted pictures, below, of my oldest four kids in their four different colleges along with details on the specific aid and admissions strategies we actually used to get them there. They cover three private colleges and one public school. For the 2019/2020 school year, were able to pay for all four colleges without loans and no college is expecting more money from us than we actually have. (Which IS NOT a whole lot, keeping it real.) I hope this helps answer questions many of you might have but didn’t feel comfortable asking! DS1 (Dear Son, 1st child) a rising Senior at Delaware State University and a music major. He received a full tuition scholarship and and his meal plan is covered by scholarships/grants. He accepted loans his first few years, but will graduate with ~10k in student loans. He was our first. We simply didn’t know then what we know now about chasing additional institutional merit aid. DD2 (Darling Daughter, 2nd Child) is a rising Sophomore at the University of Pennsylvania. She is majoring in Electrical Engineering. She applied early decision. Their generous need aid policies make our out-of-pocket costs realistic and affordable for us. (Less than half our EFC last year.) Thankfully, no loans for any of us were needed. The biggest issue was getting in at all, and she pulled out all stops to get in, including applying during Early Decision. DD3 (Darling Daughter 3rd child) is an incoming freshman at Albright. She is majoring in psychobiology. She applied for their full ride scholarship and won it. (It required: writing a specific essay, providing an additional, FERPA-waived non-academic recommendation, an in-person interview with a 4-person panel of judges, and a meeting with the President of the College.) No joke, this kid prepared for those interviews like it was a Fortune 500 job. DS4 (Dear Son 4th child) is an incoming freshman at Wesley, Psychology. He plans to major in Criminal Justice. His full tuition is being covered by scholarship/grants. We appealed for higher merit aid twice by submitting his interim transcript, 3rd marking period report card, all four SAT scores; had in-person meetings with admissions, then waited and waitedand waited until his second appeal for higher merit was approved before he committed. Literally paid his enrollment deposit on May 1st.

The Life and Legacy of John F. Kennedy - 867 Words

John Fitzgerald Kennedy was born May 29, 1917 in Brookline Massachusetts. He was the second son born to Joseph Patrick and Rose Fitzgerald Kennedy. Despite being born into Boston’s wealthy Irish population, the family was not accepted into the Boston’s Protestant elite. This was due to the opinion of the Boston Brahmins, who perceived the Kennedy’s to still be mere Irish immigrants. Even though earlier relatives Thomas Fitzgerald and Patrick Kennedy emigrated from Ireland to Boston in 1845 and 1848 respectively, due to the potato famine. John Kennedy along with his siblings continued to be raised in their ever-growing family wealth and influential support of their father Joseph, who was extremely successful as an industrialist and stock manipulator. He encouraged political conversations and academic competition amongst his children. John (Jack) had poor grades throughout various schools due to his frequent illness. 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Women in the Work Force During and After World War II Essay

Before the World War II, many women only held jobs in the house providing for their children, husband, and the needs that came with taking care of the household, but during the war, this completely changed. Many women were given new opportunities consisting of new jobs, new skills, new challenges, and greater chances to do things that were once only of imagination to them. Women made the war especially possible with taking over the jobs that men would usually do, but could not do because of the war. One of the first things that encouraged women to take on jobs of the men who went off to war was the propaganda. Propaganda consisted of films, radio, and print. These advertisements used showed women fighting in the army and many working in†¦show more content†¦Women held office jobs so that the men could go off to war, worked in factories expanding industrial output, and helped raise money in the community. The women are what helped keep the country running. 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Cloning is Ethically and Morally Wrong Essay Example For Students

Cloning is Ethically and Morally Wrong Essay The question shakes us all to our very souls. For humans to consider the cloning of one another forces them all to question the very concepts of right and wrong that make them all human. The cloning of any species, whether they be human or non-human, is ethically and morally wrong. Scientists and ethicists alike have debated the implications of human and non-human cloning extensively since 1997 when scientists at the Roslin Institute in Scotland produced Dolly. No direct conclusions have been drawn, but compelling arguments state that cloning of both human and non-human species results in harmful physical and psychological effects on both groups. The following issues dealing with cloning and its ethical and moral implications will be addressed: cloning of human beings would result in severe psychological effects in the cloned child, and that the cloning of non-human species subjects them to unethical or moral treatment for human needs. The possible physical damage that could be done if human cloning became a reality is obvious when one looks at the sheer loss of life that occurred before the birth of Dolly. Less than ten percent of the initial transfers survive to be healthy creatures. There were 277 trial implants of nuclei. Nineteen of those 277 were deemed healthy while the others were discarded. Five of those nineteen survived, but four of them died within ten days of birth of sever abnormalities. Dolly was the only one to survive (Fact: Adler 1996). If those nuclei were human, the cellular body count would look like sheer carnage (Logic: Kluger 1997). Even Ian Wilmut, one of the scientists accredited with the cloning phenomenon at the Roslin Institute agrees, the more you interfere with reproduction, the more danger there is of things going wrong (Expert Opinion). The psychological effects of cloning are less obvious, but none the less, very plausible. In addition to physical harms, there! are worries about the psychological harms on cloned human children. One of those harms is the loss of identity, or sense of uniqueness and individuality. Many argue that cloning crates serious issues of identity and individuality and forces humans to consider the definition of self. Gilbert Meilaender commented on the importance of genetic uniqueness not only to the child but to the parent as well when he appeared before the National Bioethics Advisory Commission on March 13, 1997. He states that children begin with a kind of genetic independence of the parent. They replicate neither their father nor their mother. That is a reminder of the independence that the parent must eventually grant them.. .To lose even in principle this sense of the child as a gift will not be good for the children (Expert Opinion). Others look souly at the child, like philosopher Hans Jonas. He suggests that humans have an inherent right to ignorance or a quality of separateness. Hum! an cloning, in which there is a time gap between the beginning of the lives of the earlier and later twin, is fundamentally different from homozygous twins that are born at the same time and have a simultaneous beginning of their lives. Ignorance of the effect of ones genes on ones future is necessary for the spontaneous construction of life and self (Jonas 1974). Human cloning is obviously damaging to both the family of and the cloned child. It is harder to convince that non-human cloning is wrong and unethical, but it is just the same. The cloning of a non-human species subjects them to unethical treatment purely for human needs (Expert Opinion: Price 97). Western culture and tradition has long held the belief that the treatment of animals should be guided by different ethical standards than the treatment of humans. Animals have been seen as non feeling and savage beasts since time began. Humans in general have no problem with seeing animals as objects to be used whenever it becomes necessary. .uef3da6721cba99fa6ea9936bbb99ff21 , .uef3da6721cba99fa6ea9936bbb99ff21 .postImageUrl , .uef3da6721cba99fa6ea9936bbb99ff21 .centered-text-area { min-height: 80px; position: relative; } .uef3da6721cba99fa6ea9936bbb99ff21 , .uef3da6721cba99fa6ea9936bbb99ff21:hover , .uef3da6721cba99fa6ea9936bbb99ff21:visited , .uef3da6721cba99fa6ea9936bbb99ff21:active { border:0!important; } .uef3da6721cba99fa6ea9936bbb99ff21 .clearfix:after { content: ""; display: table; clear: both; } .uef3da6721cba99fa6ea9936bbb99ff21 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .uef3da6721cba99fa6ea9936bbb99ff21:active , .uef3da6721cba99fa6ea9936bbb99ff21:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .uef3da6721cba99fa6ea9936bbb99ff21 .centered-text-area { width: 100%; position: relative ; } .uef3da6721cba99fa6ea9936bbb99ff21 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .uef3da6721cba99fa6ea9936bbb99ff21 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .uef3da6721cba99fa6ea9936bbb99ff21 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .uef3da6721cba99fa6ea9936bbb99ff21:hover .ctaButton { background-color: #34495E!important; } .uef3da6721cba99fa6ea9936bbb99ff21 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .uef3da6721cba99fa6ea9936bbb99ff21 .uef3da6721cba99fa6ea9936bbb99ff21-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .uef3da6721cba99fa6ea9936bbb99ff21:after { content: ""; display: block; clear: both; } READ: Manuscript for experimental ps Essay But what would happen if humans started to use animals as body for growing human organs? Where is the line drawn between human and non human? If a primate was cloned so that it grew human lungs, liver, kidneys, and heart., what would it then be? What if we were to learn how to clone functioning brains and have them grow inside of chimps? Would non-human primates, such as a chimpanzee, who carried one or more human genes via transgenic technology, be defined as still a chimp, a human, a subhuman, or something else? If defined as human, would we have to give it rights of citizenship? And if humans were to carry non-human transgenic genes, would that alter our definitions and treatment of them(Deductive Logic: Kluger 1997)? Also, if the technology were to be so that scientists could transfer human genes into animals and vice-versa, that would heighten the danger of developing zoonoses, diseases that are transmitted from animals to humans. It could create a world wide catastrophe that no one would be able to stop (Potential Risks). In conclusion, the ethical and moral implications of cloning are such that it would be wrong for the human race to support or advocate it. The sheer loss of life in both humans and non-humans is enough to prove that cloning would be a foolish endeavor, whatever the cause. Works CitedKluger, Jeffery. Will we Follow the Sheep? Time Magazine. March 10, 1997 Vol. 149 No.10 The Cloning Controversy. Online Available http://www.sican. com/explorations. September 23, 1998. Ethics on Cloning: The issue at hand. Online Available http://www. time.com/cloning. September 24, 1998. National Bioethics Advisory Commission. Cloning Human Beings. Online Available http://bioethics.gov/pubs.html. September 24, 1998. Price, Joyce. Before There was Dolly, There Were Disasters: Scientists failed to disclose abnormalities. The Washington Times. March 11, 1997.