The Importance of Picking a College that Suits You

Samantha Louis, Bridgewater State University '11, shares her college experiences with Bottom Line.

During a video interview conducted last fall, Samantha Louis—a senior at Bridgewater State University who will graduate this spring with a degree in Psychology—was asked what might have gone differently if she hadn’t worked with Bottom Line. She described the benefits of campus visits and help filling out the FAFSA, and ultimately replied that she probably would have enrolled in a community college rather than the 4-year university she currently attends.

This isn’t the first time a Bottom Line student has given this answer. Jeanette Sanchez, a senior studying Writing, Literature, and Publishing at Emerson College, said that she would have gone to community college because it had a lower price tag. But with a 4.5 high school GPA and a goal of earning a bachelor’s degree in writing, Jeanette was already well-suited for directly enrolling in a 4-year college. In education lingo, Samantha and Jeanette both said they would have “undermatched” if they had not come to Bottom Line for help with college applications.

The concept of undermatching has been talked about more and more since the release of Crossing the Finish Line: Completing College at America’s Public Universities, written by William G. Bowen, Matthew M. Chingos, and Michael S. McPherson. Undermatching basically means that a student doesn’t enroll in the best college that he/she could have. This problem is particularly prevalent among students from low-income households or the first generation of their family to attend college. As economics columnist David Leonhardt recapped in The New York Times, “about half of low-income students with a high school grade-point average of at least 3.5 and an SAT score of at least 1200 do not attend the best college they could have. Many don’t even apply.”

So why is undermatching a problem? The National Center for Educational Statistics released a study in December 2010 that states only 12% of students who start at community colleges earn a bachelor’s degree within six years. Of the first-time, public 2-year college students who transferred to a 4-year college, 29% attained a bachelor’s degree and 15% remained enrolled at a 4-year college. While many community colleges have effective transfer programs and continue to build partnerships with 4-year colleges, on a broad national scale, your chances of earning a bachelor’s degree are higher if you initially enroll in a 4-year college. In many ways, this is a shorter and less complex journey. For this reason, if your goal is to earn a bachelor’s degree, it makes sense to enroll directly in a 4-year college if you can.

To ensure that the low-income/first-generation students who are qualified to enroll directly into a 4-year college do so, they need a knowledgeable guide to lay out their feasible college options. Having an informed mentor allows students to make decisions based on all the information—information they don’t necessarily have access to through their immediate friends and family or, in some cases, their high schools. By building a relationship with a counselor, these students have someone who will lead them step by step through the inconceivably complex world of higher education.

But undermatching isn’t the only danger for low-income/first-generation students. Helping a student get to the right college is just the first step. Samantha illustrated this when she explained that Bottom Line was on campus every year helping her fill out the FAFSA. She insisted she would have had student loans if it weren’t for this help.

When asked what motivated her to succeed, Samantha said her mother and the fact that she is a minority. “I don’t want to be one of those statistics,” she said. If there’s anything to be learned from Bottom Line students, it’s how ambitious and resilient you have to be to succeed in today’s higher education system. Bottom Line students show that undermatching or dropping out of college doesn’t occur from any lack of motivation or effort.

Bowen, Chingos, and McPherson said they think undermatching is caused by “a combination of inertia, lack of information, lack of forward planning for college, and lack of encouragement.” To address this wide range of reasons, the advice low-income and first-generation students receive needs to be holistic: academic, financial, vocational, and personal. This need is particularly apparent this month as high school seniors from the Class of 2011 are making final decisions about where they will attend college during the next 4 or more years.

While we have a long way to go before our public schools and higher education systems completely adapt to accommodate the needs of the modern-day student, it’s comforting to know that there are solutions brewing, some of them as seemingly simple as offering a one-on-one counselor.

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My name is Kristie Simonó and I am one of the many college students in Bottom Line’s Success Program. I am currently a sophomore at the College of the Holy Cross, where I study Psychology and Spanish and (if I keep my fingers crossed) I will also be completing the Latin American and Latino Studies concentration. From now on I will be blogging about my college experiences and my journey through life on “The Hill” (that’s Holy Cross’s nickname) with the help of Bottom Line.

Kristie at Bottom Line's send-off celebration for new college freshmen.

You may recognize me since I worked at Bottom Line’s front desk (my 2-year anniversary is coming up in March!) and recently I started working as a Bottom Line Counselor Intern, helping the high school Class of 2011 complete their Financial Aid paperwork. I am excited to say that I will be returning this summer to help the Class of 2012 get in to college! If you have not been able to tell, I am obsessed with Bottom Line and I am practically a walking advertisement.

This semester I am enrolled in four rigorous courses that are very time consuming. I am currently in Physiological Psychology, Language and Diversity in Latin America, Research Methods, and Liberation Theology. One of my favorite things about Holy Cross is that it is a Liberal Arts school, so I am taking courses outside my major. This will help me get a well-rounded education and give me insight into the world outside of Psychology and Spanish.

Although I love Holy Cross’s rigorous academics, I have to admit that it can be very stressful at times. Next week, I have my Spanish exam on Monday, Physiological exam on Tuesday, Liberation Theology exam on Wednesday, and my Research Methods exam on Thursday. Did I mention that I have a Spanish paper due on Friday too? If I manage my time well, I am hopeful that I can survive that dreadful week. I just always need to remind myself that the tears shed and the sleepless nights will all be worth it in the end!

While juggling all of the work that I have to do for my classes, I have to remember to complete my Financial Aid paperwork before the deadline passes. Luckily, my Bottom Line meeting with my counselor Marilyn is coming up this week, so I will be able to submit everything on time.

I promise to keep you updated on all of my college experiences through this blog.

Until then,
Kristie

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The Path to College: Yaritza Makes A Tough Decision

Since my last blog, a lot has changed as far as college applications go. After getting called for my third POSSE interview, I decided that Denison was not the right choice for me and politely declined the opportunity. I came to this decision due to the distance of the school from Boston. Ohio is pretty far for a hometown girl.

However, declining this scholarship worries me about the financial aspect of college. I think that I need to apply to many other scholarships in order to afford tuition. My FAFSA meeting with Bottom Line is coming up next week and I am anxious to get it done accurately and as soon as possible.

The farthest school on my college list is in Syracuse, New York. My top-choice school is still Boston College, but I am open to attending any of the other eight colleges that I applied to, which includes Syracuse, Bentley, and Boston University. Remembering my college list incontrovertibly keeps me from catching senioritis… Well, for now it does. =]

Yaritza

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It’s financial aid season! That means time for college students to fill out FAFSAs and CSS profiles. Applying for financial aid can be daunting and confusing, particularly if you’re from a family that is unfamiliar with the process. Since applying for financial aid is somewhat complex, there’s many misconceptions about how paying for college actually works. Below are the five common myths that Bottom Line counselors often debunk for students.Student-Counselor Meeting

1) My family doesn’t have any money, so I can’t afford to go to college.

All college students are eligible for financial aid, which will help you pay for college! To determine how much you and your family pay for your education, colleges and the federal government have you calculate your Expected Family Contribution (EFC). This lets them know about how much you are eligible to receive in financial aid, based on you and your family’s income, savings, and other indicators. So the less money your family has, the more aid you should expect to receive for college.

2) My dream college costs nearly $40,000 a year—I can’t afford that!

Just because a college has a high price tag doesn’t mean that you can’t afford it. For some colleges, you will only have to pay the amount calculated for your EFC. For other colleges, there will be a gap between your EFC and the college’s price tag. If there’s a gap, you can always advocate with the college’s financial aid office and apply for outside scholarships.

3) Public colleges are always more affordable than private colleges.

On the contrary, some private colleges award “full need” financial aid packages. That means they provide students with enough grants and low-interest loans to make up the difference between their family’s EFC and the school’s cost of attendance.

4) The only way I can get money for college is by having perfect grades.

Colleges and the federal government award scholarships, grants, and low-interest loans based solely on financial need—that’s what financial aid is! Merit-based scholarships and grants are awarded separately from financial aid packages.

5) I was awarded $5,000 in work-study, so the rest of my tuition expenses are covered.

Not so fast—work-study is money that you have to earn throughout the semester… by checking students into the dining hall, logging packages in the mail room, or answering phones at an administrative office. You can’t subtract this money from the bill that’s due at the beginning of the semester, since it will take you all semester to earn the money. In addition, you only get paid for the number of hours that you work. While you’ve been awarded $5,000 in work-study, you may only have time in your schedule to earn $4,000 of this award.

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