Nov. 3, 2025

How to Pay for College

How to Pay for College
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Season 1

The financial aid process begins by completing the Free Application for Federal Student Aid (FAFSA). What are the main sources students and families can use to fund college tuition and how can you maximize financial aid? Learn more about How to apply for scholarships, How to Win Scholarships, when to get started, what to expect from financial aid Choosing an Affordable College. The specific combination of funding sources varies by family income, student's academic record, and type institution.

ASharpe Outlook is broadcast live Mondays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). ASharpe Outlook TV Show is viewed on Talk 4 TV (www.talk4tv.com).

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WEBVTT

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This program is designed to provide general information with regards

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to the subject matters covered. This information is given with

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the understanding that neither the hosts, guests, sponsors, or station

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are engaged in rendering any specific and personal medical, financial,

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legal counseling, professional service, or any advice. You should seek

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the services of competent professionals before applying or trying any

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suggested ideas.

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Hello, and thank you for tuning in to a Sharp

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Outlook on P four HD Radio and talk or TV.

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I am Angela Sharp, your host our arm chair discussions

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with industry experts will give you the steps, tools and

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information to be successful in business and to prepare you

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to be your best self. Hello, I'm Angela Sharp, and

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welcome to a Sharp Outlook. Do you have a student

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that will be graduating next year in June or maybe May,

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or do you have one that's in the eleventh grade

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that might be soon graduating. Do they have a dream

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to go to college and do you have the financing

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to be able to help them to go to college. Well,

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that's what we're going to talk about today, how to

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pay for college so that your student can go to

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college and live their dream. What are the main sources

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students and families can use to fund college tuition, and

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how can you maximize financial aid For many the financial

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aid process begins by completing the free application for Federal

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student aid, but there are a lot of different options

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that are out there, and our guest today is very

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knowledgeable about that and he's going to help us be

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able to discover all the different ways to be able

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to get funding an aid for your student's college tuition,

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how to apply for scholarships, how to win scholarships, win

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does get started, how to get started, and choosing an

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affordable college. Students and families use a variety of sources

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to pay for college, the tuition, personal income savings, scholarships, grants,

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and loans. The specific combinations of funding sources varies by

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family income, and the student's academic record is really important

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and the type of institution that they're wanting to attend.

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I want to bring doctor Stephen Jones to our show

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so that we can talk about this. We had doctor

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Jones on back in July talking about how your student

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can study and be able to get better grades and

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be able to pass their tech. Well, today this is

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the now that they're passing the test, and memorizing their

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information and ready to go to college. Now we need

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to inform you parents how to help your student be

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able to get into college as we know. Doctor Stephen

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Jones is the Associate Dean for Student in College of

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Engineering and Villanova University. Is a succesful author, speaker, and

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a college readiness and student retention expert. Doctor Jones is

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currently the president of SAJ Publishing. Is also the associat

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Dean of Student and Strategic Programs in the College of Engineering.

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Doctor Jones WelCom sharp out, I guess I could still

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say good morning to everybody.

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I think, Yeah, this is a wonderful topic.

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It's always good to talk about how to pay for

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college for me because I want to try to send

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as many college students of college as possible, and it

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is possible. One of the things that I think it

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should be clear that this whole idea of funding college

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doesn't start when you get to high school.

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That it should start.

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Early, and when your child is born, you should have

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thoughts about how I'm going to pay for college, where

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I'm going to invest. There are different resources that you

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can pay put money into an account starting that early,

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and it'll accumulate over time so that by the time

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we get to high school, you have some pool of

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funding to think about. And I think this is important

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because a lot of times, especially in the African American community,

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when kids get into middle school, children get into middle school,

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the parents start telling them, I don't have money to

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send you to college. I don't know how I'm going

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to do this, and so just by sending that message,

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it can delay a child's interest in even going further.

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So one of the things I would like to say

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today is to the parents, don't tell tell your child

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that you don't have enough money. There are over six

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thousand colleges in the United States, both four year colleges

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and two year colleges, and we just need to find

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and find the right one for you, the right one

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that fits you and your income situation, so that you

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can be successful at this goal. And I think hopefully

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it'll start today.

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Yes, absolutely, yeah. And that's what's so important about that, because,

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like you said, of a child, here's you tell them,

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I'm not going to have the money to send you

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to college. It's just going to well, it's gonna they're

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gonna have a downer, and it's going to make them

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difficult to even continue to focus or even be energized,

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because that's you know, stepping into their dream and saying

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you're not going to be able to have that dream.

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You're not going to be able to do the things

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that you've always wanted to do since you were six

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years old. And so, yeah, please don't tell those children

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something like that, because there are options. You may not

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have it all, but there are other sources. Let's find

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out what the combinations can be. They help you do

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that so that you don't have to have that talk

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with your children. So tell us about some of the

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different options that are out there.

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Yes, so everyone is allowed to apply for the Federal

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Financial Aid that's FAFSA. I know the policies around how

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much of that money is available these days has changed,

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but there still is money available from the federal government,

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and many states actually use that FASSA form the information

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that it provides to determine how much aid that state

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is going to give to you as well. So if

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you ignore the fats of the form, you may be

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missing out on opportunities. They get funding from the federal

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government as well as from your state because they're using

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that form to determine how much money they're going to

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give to you overall. So that's kind of the foundation

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of beginning the whole process. And one of the things

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I would say to you is talk to your school

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counselor about that form. Your school counselor might have sessions

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at the school on completing the financial aid form. I

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know here in Philadelphia we have sessions all over the

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city around how to complete that form. We have something

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called a Philadelphia College Roundtable that helps with filling out

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that and we educate others on how to help those

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individuals that fill out their form. So there's always someone

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out there to help. You just have to sometimes dig

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into meeting with the counselor at your school or the

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vice principle at your school to find out what resources

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are available. And I will say also, don't wait until

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junior year to get started getting this information. So the

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first year that you're in high school, used to start

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gathering all this information about the FABS of form, the requirements,

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the information that you're going to have to provide, the

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information that your students is going to have to provide

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if their school has a regular financial aid workshop at

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the school. Start going ninth grade, tenth grade, eleventh grade.

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So it'll gather so much information on what you need

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to do to get access to that information.

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And I think that really works.

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It keeps you on task with how things are changing,

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rather than waiting to the senior year and now, oh

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I thought I needed this, but I needed that to

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find these funds that are available to you.

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Yeah, that's important. I know when I was a little

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girl a long time ago, I was in the sixth

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grade and knew I wanted to go to college. But

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back then, we had a lot of counselors. We had

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a lot of college prep. They started talking to us

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about that in the sixth grade, and so we had

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a lot of motivation that was going on. You know

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back in those years. I don't know whether they have that,

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like I said, with the funding and things, some of

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them don't even have, you know, counselors anymore. But you

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know there has to be you know, right now there's

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so much tech. Go look online or something and find out,

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but you know that that information is available.

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Yeah.

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I also would say go to your local state legislator's

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office and find out what kind of resources and information

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that they know. In Pennsylvania, we have FEA, which is

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our state federal financial aid, but they also coordinate with

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FASA and so they work together. They have seminars throughout

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the state, so you maybe go into your state legislator

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or senator's office or counselor on person's office you can

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find out what's available as well.

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Yeah, the fund. You know, information, Like I said, information,

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information is power, and the more you know, the more

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power you have to be able to make good decisions

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because you get all of the data that you need

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to be able to analyze and come up with a solution.

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What's the total cost of attendance and what expenses does

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it cover? What's the cost now? I know it was

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really a lot cheaper when I went to school. What's

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the cost now?

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I mean the cost pushing room and board can go

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anywhere from twenty five thousand to ninety five thousand for

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one year in college, and so it is a big

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investment that you have to consider what.

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Is affordable to you.

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The colleges are supposed to give you an idea of

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what amount of aid that you're going to get each year.

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If a college does not do that, then you risk

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the possibility of the second year you thought you had

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x amount of money and now it's changed in the

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second year. So have that conversation with the Financial Trade

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Office about how much they can tell you about what's

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going to happen over the next four years. You know,

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will there be increases that go along with the increases intuition,

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because you know, tuition can increase three to five percent

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per year while you're in college. So if you've gotten

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a certain amount of a certain amount of financial aid

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and then tuition increases, but that financial aid doesn't increase,

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you have to make up the difference, and you have

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to know what is your true ability to make that difference.

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Sup Will they tell you that you know when you

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first supply, Will they be informed enough to be able

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to tell you, Yeah, there might be some increases, but

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this aid that you're receiving right now will not, you know,

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increase proportionately.

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If that's the way that they operate at the financial

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aid level. It will be determined by how the institution is.

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There are some institutions that are not raising tuition right away.

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They may wait one or two years. But the odd

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thing about that students feel that when you don't raise tuition,

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the quality is going down. So there's a delicate balance

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OF's what you want to do with that, because you

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don't want to lose students because they can no longer

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afford your institution, But they also don't want to send

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the wrong message.

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Is there some way you can kind of negotiate while

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you're you know, discussing, they aid, and get a rate

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lock in?

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Well, you can, Well, there's certain different types of scholarships,

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so this scholarship will determine what that will be throughout

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the time that you're in school. So you're right, I mean,

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it would lock in. Maybe the most that we're going

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to give is thirty thousand dollars a year. You have

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to come up with a difference whatever that might be.

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But I would say always make sure whatever the scholarship is,

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whatever they aid, is that you have documentation, that you

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have proof to what was said, what was committed, so

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that those things don't go away. You know exactly what

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they're going to be, and you can prepare for the

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subsequent years and how you're going to be able to

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fund your education. So it again, it just depends on

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the institution. A lot of institutions have something called the

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Presidential Scholarship and the presidential scholarship pays for everything. It

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pays for housing, it pays for tuition. There might be

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a stipend that goes along with it on a monthly basis.

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Those are for the top top school students who applied

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to various schools that are able to receive that presidential

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But it's a wonderful resource, and again it depends on

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the university's funding. Place like Penn State might have thirty

230
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of them, whereas a private school might only have ten

231
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of them, So it just depends on the institution. This

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year we started considering everyone for scholarships. Used to be

233
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you had to apply for it. Now we're just looking

234
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at your profile and your information to determine who we

235
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want to bring in and maybe interview for these scholarships.

236
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Now, do most of the scholarships or in financial aid,

237
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do they also pay for, you know, additional fees like

238
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specific courses that might be something wasn't part of the

239
00:14:27.039 --> 00:14:31.120
regular plan, but you realize now you have additional courses

240
00:14:31.120 --> 00:14:33.840
that you want to take because of the path you're going.

241
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Would that it cover that? You know, would it cover

242
00:14:38.639 --> 00:14:42.320
you know, lab fees or books? Food?

243
00:14:44.159 --> 00:14:48.639
Well, everyone has a maximum a number of credits that

244
00:14:48.720 --> 00:14:50.000
you can take per semester.

245
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And so.

246
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If you're within that range or whatever the maximum is

247
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at that institution, they're not going to charge you extra

248
00:14:58.120 --> 00:15:01.200
for courses because they're not even going to allow you

249
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to take more than that amount of course. Is why,

250
00:15:03.919 --> 00:15:06.480
because they don't want you to fail. They have a

251
00:15:06.600 --> 00:15:10.000
history of a student with this amount of courses will

252
00:15:10.039 --> 00:15:13.559
have can still have success, and they want to overburden

253
00:15:13.639 --> 00:15:17.240
the student with too many credits where they don't have

254
00:15:17.320 --> 00:15:20.759
enough time to even study, so they're kind of maximizing

255
00:15:20.840 --> 00:15:27.039
that out for each semester. Okay, And I have actually

256
00:15:27.240 --> 00:15:31.240
told some students I'm sorry, no, you go ahead now.

257
00:15:31.240 --> 00:15:35.200
I wouldn't say I have depending on the student's circumstances

258
00:15:35.480 --> 00:15:38.799
if they're struggling with a semester, I have told students

259
00:15:38.879 --> 00:15:42.759
to maybe consider dropping down to four classes instead of

260
00:15:42.840 --> 00:15:47.840
five just for that one semester to work their way through,

261
00:15:48.279 --> 00:15:50.919
because you'd rather get through the semester without having a

262
00:15:50.960 --> 00:15:53.960
failing grade on your transcript than to have a failing

263
00:15:54.000 --> 00:15:57.080
grade and now your scholarship is at jeopardy because you

264
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didn't maintain the GPA. And that's another point. I guess

265
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that some scholarships require that you must maintain at three

266
00:16:04.919 --> 00:16:06.559
point oh to keep the scholarship.

267
00:16:07.080 --> 00:16:11.200
Mm hmm. Yeah, and that is important, you know. That's

268
00:16:11.200 --> 00:16:14.480
why I say even you know, their academics is very

269
00:16:14.519 --> 00:16:18.879
important to be considered when they are considering what school

270
00:16:18.879 --> 00:16:21.919
they're going to and you know, what kind of aid

271
00:16:21.960 --> 00:16:26.799
they're going after. There's so much more funds available for

272
00:16:27.000 --> 00:16:30.360
students that are in the four point o range than

273
00:16:30.480 --> 00:16:34.320
maybe the two point five range, and so it's very

274
00:16:34.360 --> 00:16:38.080
important to you know, get that, get that academic and

275
00:16:38.120 --> 00:16:41.360
get that, you know, get your scores, get your test,

276
00:16:41.519 --> 00:16:44.840
you know, do what you can to make sure that

277
00:16:44.960 --> 00:16:49.240
you are a student that is achieving excellence because it

278
00:16:49.360 --> 00:16:53.440
opens so many more doors for you than if you're

279
00:16:53.559 --> 00:16:58.200
just average and just trying to get by. So that's

280
00:16:58.399 --> 00:16:59.960
that's really really important.

281
00:17:01.080 --> 00:17:05.400
I would say that don't so some students need to

282
00:17:05.400 --> 00:17:08.759
start at community college. If you know that your child

283
00:17:08.799 --> 00:17:11.759
has a two point five two point seven, it might

284
00:17:11.799 --> 00:17:16.000
be better for them because you're looking at their study habits,

285
00:17:16.039 --> 00:17:19.279
you're looking at how much they invest in reading their books.

286
00:17:19.400 --> 00:17:22.880
You know your child, as your child can fully engaged

287
00:17:23.200 --> 00:17:26.000
in the learning process, and you don't want to spend

288
00:17:26.200 --> 00:17:29.880
forty thousand dollars for your student not to make it

289
00:17:29.920 --> 00:17:33.079
through the first semester in college, so it's not a

290
00:17:33.119 --> 00:17:33.519
bad thing.

291
00:17:33.559 --> 00:17:35.920
Plus, it's more affordable for them to.

292
00:17:35.880 --> 00:17:39.839
Start at a community college and then transfer into a

293
00:17:39.880 --> 00:17:44.559
four year institution. There may be some agreement. For example,

294
00:17:45.640 --> 00:17:49.279
Community College of Philadelphia has an agreement with Temple University,

295
00:17:49.880 --> 00:17:53.839
and all the credits that they take at the Community

296
00:17:53.880 --> 00:17:58.160
College of Philadelphia will transfer into Temple, so they only

297
00:17:58.240 --> 00:18:01.519
have two additional years after they earn their associate degree.

298
00:18:02.000 --> 00:18:04.799
That's a worthwhile way of investing because you want to

299
00:18:04.839 --> 00:18:08.160
see whether your child will actually put forth the effort

300
00:18:09.079 --> 00:18:11.279
to be successful in college.

301
00:18:11.240 --> 00:18:14.880
Right yeah, especially if during high school they really weren't

302
00:18:14.920 --> 00:18:18.799
as focused as they may have been, didn't have good

303
00:18:19.000 --> 00:18:24.519
study habits, didn't have the maturity. I mean, to be honest,

304
00:18:24.559 --> 00:18:29.440
some of them just really have spent too much time

305
00:18:29.759 --> 00:18:34.079
maybe clowning around and didn't realize, you know what, this

306
00:18:34.200 --> 00:18:36.480
is a good time. It's a fun time, but you're

307
00:18:36.480 --> 00:18:40.200
getting ready to make a step into adulthood, and now

308
00:18:40.240 --> 00:18:43.640
you really need to start getting serious about the future

309
00:18:43.680 --> 00:18:46.839
because you're going to be older a lot longer than

310
00:18:46.880 --> 00:18:50.000
this moment right now, and I don't think you know,

311
00:18:50.079 --> 00:18:54.039
a lot of youth understand. You hit that age twenty one,

312
00:18:54.279 --> 00:18:58.759
you've grown and all of the pressures of adulthood, you know,

313
00:18:58.839 --> 00:19:01.240
comes down on you, and you haven't thought about it,

314
00:19:01.319 --> 00:19:03.759
you haven't planned for it, you haven't worked towards it,

315
00:19:04.359 --> 00:19:09.440
and then there you are not knowing what to do

316
00:19:09.599 --> 00:19:13.319
and just you know, making a lot of bad decisions.

317
00:19:13.400 --> 00:19:16.920
So you need to understand when you come in as

318
00:19:16.920 --> 00:19:20.319
a sophomore in high school, you have three more steps

319
00:19:21.200 --> 00:19:25.680
to becoming an adult and getting into a situation where

320
00:19:25.720 --> 00:19:29.920
you need to be making decisions for the rest of

321
00:19:29.960 --> 00:19:35.319
your life. Selecting a career. You should be thinking about

322
00:19:35.359 --> 00:19:41.119
that a lot sooner than senior. Great, you really need

323
00:19:41.200 --> 00:19:44.319
to be thinking about it because you are stepping into

324
00:19:44.920 --> 00:19:49.079
and that's when things become serious and you don't get

325
00:19:49.319 --> 00:19:54.400
as many considerations that, oh, they're just a kid. No,

326
00:19:55.079 --> 00:19:58.160
they don't think about that anymore. Now you're an adult

327
00:19:58.480 --> 00:20:02.519
and need to be making better Does some schools offer

328
00:20:03.000 --> 00:20:05.359
merit based scholarships?

329
00:20:06.599 --> 00:20:06.759
Oh?

330
00:20:06.839 --> 00:20:10.359
Yes, most s colleges do offer merit based scholarships based

331
00:20:10.400 --> 00:20:15.519
on your your GPA from high school, your overall grades,

332
00:20:16.480 --> 00:20:19.079
activities that you've been involved with, a lot of leadership

333
00:20:19.200 --> 00:20:21.960
kinds of things. We want to see students who can

334
00:20:22.000 --> 00:20:27.680
be leaders within our organizations on campus. Volunteerism is big

335
00:20:27.759 --> 00:20:33.359
a lot of times when they're looking at volunteer activities

336
00:20:33.400 --> 00:20:36.960
of students who are applying. We've had students who started

337
00:20:36.960 --> 00:20:43.400
their own organization and supported other young people. So anytime

338
00:20:43.440 --> 00:20:47.039
you kind of take initiative, start your own organization or

339
00:20:47.079 --> 00:20:50.960
start your own business, things like that stand out for

340
00:20:51.319 --> 00:20:53.319
the institutions. One of the things that we're in the

341
00:20:53.359 --> 00:20:57.640
business of is making sure students graduate. We are evaluated

342
00:20:57.960 --> 00:21:01.440
from our crediting agency in terms of how students are

343
00:21:01.480 --> 00:21:04.960
graduating from our institutions, and also we are competing in

344
00:21:05.000 --> 00:21:08.359
a way against other institutions in terms of their house

345
00:21:08.359 --> 00:21:10.799
students are graduating from their institutions. So we want to

346
00:21:10.799 --> 00:21:13.640
make sure that we're giving you the best experience that

347
00:21:13.680 --> 00:21:18.279
we possibly can while you're while you're enrolled at our institutions.

348
00:21:19.880 --> 00:21:25.160
Okay, one of the things is you're applying for a scholarship,

349
00:21:27.079 --> 00:21:35.079
is there are there requirements to renew that scholarship. Most

350
00:21:35.279 --> 00:21:37.960
most of you know you don't have to think about

351
00:21:37.960 --> 00:21:39.319
it anymore m hm.

352
00:21:40.279 --> 00:21:44.559
So the financial aid will have office will have control

353
00:21:44.599 --> 00:21:47.960
of what's happening with that scholarship for the most part,

354
00:21:48.119 --> 00:21:52.000
and they will know whether there are certain requirements, whether

355
00:21:52.000 --> 00:21:55.960
there's a GPA requirement or some kind of volunteer requirement

356
00:21:56.039 --> 00:21:58.960
that goes along with it. They'll be aware of that

357
00:21:59.000 --> 00:22:04.839
and keep track of that. So it's important to follow

358
00:22:04.880 --> 00:22:08.079
whatever guidelines. The guidelines of a scholarship will be given

359
00:22:08.079 --> 00:22:12.759
to you upfront in the expectation. Now, some scholarships, if

360
00:22:12.799 --> 00:22:17.440
you are fall below the GPA that they require, they'll

361
00:22:17.440 --> 00:22:20.839
have like a probation semester and where they'll give you

362
00:22:20.880 --> 00:22:25.480
an opportunity to work at it better and so that

363
00:22:25.519 --> 00:22:28.799
you can improve your GPA. So how do you improve

364
00:22:28.839 --> 00:22:32.519
your GPA? You must have better study habits. You must

365
00:22:32.559 --> 00:22:35.599
manage your time better. You must get help from your

366
00:22:35.640 --> 00:22:39.680
professors when you need help. You need see if there's

367
00:22:39.720 --> 00:22:43.799
a We have something called learning support services at our university.

368
00:22:43.799 --> 00:22:46.440
A lot of university have something similar where they want

369
00:22:46.480 --> 00:22:48.640
to show you how to study, how to organize, how

370
00:22:48.640 --> 00:22:52.519
to plan your day. I say this is so important

371
00:22:52.519 --> 00:22:56.240
because I recently had a class of our new students

372
00:22:56.279 --> 00:22:59.240
and I asked them how many have a daily planner?

373
00:23:00.000 --> 00:23:02.200
I would say only five percent of the class had

374
00:23:02.200 --> 00:23:04.240
a daily planner. So I'm like, how did you get

375
00:23:04.240 --> 00:23:08.039
through high school without a daily planner? So I just

376
00:23:08.079 --> 00:23:11.200
want to highly recommend to those who are listening to

377
00:23:11.240 --> 00:23:13.759
have your child have a daily planner. It can be

378
00:23:13.839 --> 00:23:16.119
something that they hold in their hand I get minds

379
00:23:16.160 --> 00:23:21.079
from Staples, or it can be something that you have

380
00:23:21.200 --> 00:23:24.960
electronically that will give you notices. But having something that

381
00:23:25.079 --> 00:23:27.200
tracks you how you're using your time, I think is

382
00:23:27.240 --> 00:23:31.759
really important. It shows that you're organized and you're planning

383
00:23:31.759 --> 00:23:33.119
for your success.

384
00:23:33.480 --> 00:23:37.559
Yeah, and believe it or not, it's something that that's

385
00:23:37.559 --> 00:23:39.359
a habit you're going to be using for the rest

386
00:23:39.400 --> 00:23:42.119
of your life. Whether you're at work, whether you have

387
00:23:42.160 --> 00:23:44.759
your own business, whatever it is, you're going to have

388
00:23:45.119 --> 00:23:48.000
a planner because you're going to be planning your day

389
00:23:48.440 --> 00:23:50.640
for the success of your own business. You're going to

390
00:23:50.640 --> 00:23:53.599
be planning the day of meeting deadlines on your job.

391
00:23:53.880 --> 00:23:57.000
But you're always going to be using a planner for

392
00:23:57.200 --> 00:23:59.359
all of the meetings and all of the do dates

393
00:23:59.400 --> 00:24:01.519
and all of the people you need to call. So

394
00:24:02.039 --> 00:24:06.200
that's a habit that they probably already have. They're planning

395
00:24:06.240 --> 00:24:09.400
to call this friend, this friend, this friend, watch TikTok.

396
00:24:09.519 --> 00:24:13.000
This time, you just need to grow up your planner

397
00:24:13.640 --> 00:24:17.160
so that it has, you know, some things that are

398
00:24:17.200 --> 00:24:19.480
going to give you the values you need so you

399
00:24:19.519 --> 00:24:23.160
can succeed in your study habits while you're in school.

400
00:24:23.240 --> 00:24:27.039
Because it is the foundation and the basic of your

401
00:24:27.160 --> 00:24:31.799
very future, your future job, your future career, your future direction.

402
00:24:32.720 --> 00:24:36.160
It's not something you take lightly. It's a decision you're

403
00:24:36.240 --> 00:24:39.279
making for the rest of your life. Now, some of

404
00:24:39.359 --> 00:24:42.880
us we take paths two or three different ones, but

405
00:24:43.160 --> 00:24:46.319
you have the basic foundation. It gives you the you know,

406
00:24:46.559 --> 00:24:50.599
the little stems that you can go in different directions,

407
00:24:50.640 --> 00:24:53.039
but you at least have to set up that foundation.

408
00:24:55.000 --> 00:24:55.200
You know.

409
00:24:55.319 --> 00:24:59.720
I was looking at the number of you know, some

410
00:24:59.799 --> 00:25:03.480
of the the family contributions that are there, and I

411
00:25:03.599 --> 00:25:06.880
was looking at in the years between twenty three and

412
00:25:06.920 --> 00:25:11.759
twenty four, rental income and savings had to cover and

413
00:25:12.000 --> 00:25:16.599
estimated forty eight percent of the college cost for their families,

414
00:25:17.160 --> 00:25:21.920
and then they had to borrow. So parents need to

415
00:25:21.960 --> 00:25:26.400
get engaged. Also, like you said, don't start when they

416
00:25:26.440 --> 00:25:33.599
are sophomore in high school. Start Okay, maybe the eighth birthday,

417
00:25:33.880 --> 00:25:37.440
tenth birthday, but you need some people all to start

418
00:25:37.440 --> 00:25:41.160
a funding you know when the child is born, you know,

419
00:25:41.200 --> 00:25:45.519
when you're just putting away some money every month to

420
00:25:45.599 --> 00:25:50.000
be prepared for that college. So that is something you know,

421
00:25:50.240 --> 00:25:54.920
maybe you parents don't know about young parents that are

422
00:25:55.599 --> 00:26:00.440
that are out there listening. You know, can how does

423
00:26:00.480 --> 00:26:02.960
that work? You know what kind of vehicles is it?

424
00:26:03.079 --> 00:26:07.400
I know they used to have college insurance plans where

425
00:26:07.480 --> 00:26:07.839
you can.

426
00:26:09.799 --> 00:26:12.200
Yeah, they have something called the five twenty nine plan.

427
00:26:12.359 --> 00:26:15.400
Most states have this where you can invest in this

428
00:26:15.519 --> 00:26:18.920
five twenty nine plan not have to worry about taxes

429
00:26:19.440 --> 00:26:24.240
and accumulate money to save for your child. And so

430
00:26:25.519 --> 00:26:27.920
I would suggest everyone takes a look at that for

431
00:26:28.039 --> 00:26:31.680
their state and how they can invest in that so

432
00:26:31.720 --> 00:26:35.359
they can have a next stage that's developing over time.

433
00:26:36.039 --> 00:26:39.160
And you know, if you have a lot of schools

434
00:26:39.200 --> 00:26:43.880
have state schools, so they can use that toward any school,

435
00:26:43.960 --> 00:26:48.279
whether it's state school or private college or they all

436
00:26:48.319 --> 00:26:52.119
have ways that they can accept that money to ensure

437
00:26:52.160 --> 00:26:57.240
that it's helping to pay for your student's education. And

438
00:26:58.279 --> 00:27:00.319
one of the other things I was as a tip

439
00:27:00.480 --> 00:27:03.960
that I would say to the parents and the students

440
00:27:04.079 --> 00:27:08.640
is to have a scholarship day. And that's like one

441
00:27:08.680 --> 00:27:12.200
hour each week that's a scholarship time. That's when your

442
00:27:13.000 --> 00:27:17.039
son or daughter is doing a scholarship search, sending out letters,

443
00:27:17.839 --> 00:27:22.880
meeting deadlines for the scholarships, organizing their schedule if they

444
00:27:22.880 --> 00:27:26.279
have interviews for the scholarships. So I think it's important

445
00:27:26.279 --> 00:27:29.839
to have like one set aside day and hour that

446
00:27:29.880 --> 00:27:32.319
you're focused in on these scholarships because a lot of

447
00:27:32.640 --> 00:27:36.160
students lose money because they don't have a specific day

448
00:27:36.200 --> 00:27:38.759
in time. They don't apply to the scholarships on time,

449
00:27:39.480 --> 00:27:42.480
and they don't have time to do the essays and

450
00:27:42.480 --> 00:27:45.240
so forth. So if you set aside that time, you're

451
00:27:45.279 --> 00:27:46.119
in a better position.

452
00:27:48.279 --> 00:27:50.839
I was wondering are there still because I know when

453
00:27:50.880 --> 00:27:55.519
I went to school, we had grants that you could

454
00:27:55.559 --> 00:27:57.799
apply for, so I was able to go to school

455
00:27:58.559 --> 00:28:02.680
grant and those were funds that you know, if you

456
00:28:03.119 --> 00:28:06.640
met the academic requirements, you didn't have to pay back.

457
00:28:06.880 --> 00:28:09.680
So do they still have grants?

458
00:28:10.640 --> 00:28:14.160
They still have grants, and also they have alumni who

459
00:28:14.200 --> 00:28:17.640
donate to the institution and that they're able to use

460
00:28:17.680 --> 00:28:20.680
those funds for grants. So a lot of times those

461
00:28:20.720 --> 00:28:25.079
grants are in specific departments like our business department or

462
00:28:25.079 --> 00:28:28.960
our fine arts department or our engineering department or nursing department.

463
00:28:29.200 --> 00:28:31.720
They have their own grants that they're able to give

464
00:28:31.759 --> 00:28:36.960
out that's named after someone literally that's giving them money

465
00:28:37.119 --> 00:28:41.480
or put they've put five hundred thousand dollars into an account,

466
00:28:42.279 --> 00:28:46.000
and the interest off of that pays for the ongoing

467
00:28:46.039 --> 00:28:50.079
student grants that go out throughout the years. So it

468
00:28:50.200 --> 00:28:54.960
just depends on that. Sometimes states have their own grants.

469
00:28:55.200 --> 00:28:58.519
So the main thing is meeting the requirements and knowing

470
00:28:58.599 --> 00:29:02.839
that there is a requirement and that that does involve

471
00:29:02.960 --> 00:29:04.880
having a calendar of how you're going to do it.

472
00:29:05.720 --> 00:29:10.759
Yeah, yeah, definitely, definitely. So there are there are resources,

473
00:29:11.359 --> 00:29:14.079
you know, so that people are saying, well, I'm never

474
00:29:14.119 --> 00:29:16.960
going to be able to go to college, there's opportunities,

475
00:29:17.000 --> 00:29:21.119
there's funds, and just think you're leaving money on the table.

476
00:29:21.319 --> 00:29:25.160
Nobody leaves money on the table. You know, if there's

477
00:29:25.200 --> 00:29:28.400
money there, go get it, you know, don't let it

478
00:29:28.480 --> 00:29:31.279
just sit there and just go away. Go get the

479
00:29:31.400 --> 00:29:35.279
money and let it, you know, be able to make

480
00:29:35.319 --> 00:29:39.319
your life so much better and help you help you

481
00:29:39.400 --> 00:29:40.880
meet those streams that you want.

482
00:29:42.920 --> 00:29:43.079
Well.

483
00:29:43.079 --> 00:29:45.240
One of the reasons why I wrote my scholarship book

484
00:29:45.359 --> 00:29:47.480
was because I realized a lot of people don't know

485
00:29:47.519 --> 00:29:51.640
how to get started and following and finding scholarship books.

486
00:29:52.519 --> 00:29:55.240
So it was kind of my catalyst, and I did

487
00:29:55.279 --> 00:29:58.720
seminars and so forth on these topics, and I wanted

488
00:29:58.759 --> 00:30:02.839
to provide with a resource. So the book actually has

489
00:30:02.880 --> 00:30:06.359
one hundred different scholarship websites that you can go to,

490
00:30:06.880 --> 00:30:08.640
and it's a great resource that way.

491
00:30:09.279 --> 00:30:14.200
Yeah, the first time I talked to you, if you well,

492
00:30:14.319 --> 00:30:17.119
back in twenty twelve or twenty thirteen, I got your

493
00:30:17.119 --> 00:30:22.400
books on studying and then the one on getting you know,

494
00:30:22.559 --> 00:30:27.160
some financial aid and things like that. And well, I

495
00:30:27.160 --> 00:30:29.000
don't have that book anymore because I gave it to

496
00:30:29.039 --> 00:30:34.480
someone for their children. They actually the children are benefiting.

497
00:30:35.400 --> 00:30:38.240
I actually have an addition of mede to it. I

498
00:30:38.279 --> 00:30:43.240
have a I have a podcast like you similar that.

499
00:30:43.880 --> 00:30:46.440
I took the topics on scholarships and put that in

500
00:30:46.480 --> 00:30:50.160
a scholarship book as a QR code, so people can

501
00:30:50.720 --> 00:30:53.640
now listen to me talk about how to find financial

502
00:30:53.680 --> 00:30:56.519
aid or you know, how to write a letter or

503
00:30:56.519 --> 00:30:58.839
a scholarship. So I've done that in all three of

504
00:30:58.880 --> 00:31:01.480
the books, the Studies Skilled Books and the Parents Book

505
00:31:01.759 --> 00:31:04.480
have these QR codes. In them that you can actually

506
00:31:04.480 --> 00:31:07.440
listen to me talk about the topic of time management

507
00:31:07.559 --> 00:31:10.440
or how to organize yourself or how to plan for

508
00:31:10.480 --> 00:31:13.759
your future. So I'm pretty excited about that kind of

509
00:31:13.839 --> 00:31:15.000
take it to the next level.

510
00:31:17.400 --> 00:31:20.319
And when they go out there a website, they're able

511
00:31:20.359 --> 00:31:24.279
to be able to get this information, Am I correct?

512
00:31:24.920 --> 00:31:28.319
Yes, they can go to doctor Jones books dot com

513
00:31:28.759 --> 00:31:32.039
to take advantage of those as well as some schools

514
00:31:32.079 --> 00:31:35.559
purchase it for hundreds of students and I work with

515
00:31:35.599 --> 00:31:38.000
them to do an invoice or they want to pay

516
00:31:38.079 --> 00:31:40.759
my credit card, I can do that or cash out.

517
00:31:40.839 --> 00:31:43.799
These days, this is a whole other world out here.

518
00:31:44.440 --> 00:31:48.559
Yeah, I was looking at that with the little QR

519
00:31:48.680 --> 00:31:52.640
codes and things. Makes it so so efficient to be

520
00:31:52.720 --> 00:31:55.640
able to go in and look at those videos and

521
00:31:55.680 --> 00:31:57.880
be able to see what to do and give you

522
00:31:57.880 --> 00:31:59.680
you know, because some people they don't want to read

523
00:31:59.720 --> 00:32:03.359
through a lot of stuff. They're just used to looking

524
00:32:03.400 --> 00:32:06.440
at reels and videos and stuff like that. So yeah,

525
00:32:06.440 --> 00:32:09.440
this is an opportunity to just go out to that

526
00:32:09.519 --> 00:32:13.680
website and you know, get that information and just download

527
00:32:13.720 --> 00:32:17.279
them step by step by step by step until you've

528
00:32:17.440 --> 00:32:21.640
finished that application and you get that award. Letter in

529
00:32:21.720 --> 00:32:25.640
the mail and you're happy and dancing around the house.

530
00:32:26.279 --> 00:32:28.519
I mean, that's that's the whole goal was to give

531
00:32:28.559 --> 00:32:32.519
you an opportunity to to meet those dreams and to

532
00:32:32.839 --> 00:32:37.200
do those things you know, I know, like financial the scholarships.

533
00:32:37.319 --> 00:32:40.880
I mean, I hear about like my own granddaughter, she's

534
00:32:40.920 --> 00:32:44.480
in school from a basketball scholarship. So you can get

535
00:32:44.519 --> 00:32:48.880
them through sports, you can get them through what other skills?

536
00:32:48.920 --> 00:32:55.359
And oh yes, yeah, yes, there's there are lots of them.

537
00:32:55.519 --> 00:32:58.119
There's everything to use every day.

538
00:32:58.240 --> 00:33:04.400
Places like home Depot, Coca Cola, McDonald's, companies that you're

539
00:33:04.480 --> 00:33:10.119
using every day are giving scholarships. Your parents may work

540
00:33:10.480 --> 00:33:13.240
at a place where they have a scholarship. Sometimes parents

541
00:33:13.279 --> 00:33:16.200
forget that they have a scholarship at their job, or

542
00:33:16.319 --> 00:33:18.720
they may have it through a credit union that they

543
00:33:18.799 --> 00:33:23.640
belong to their scholarships that are available there. So that's

544
00:33:23.680 --> 00:33:25.880
why it's so important to have a day that you're

545
00:33:25.920 --> 00:33:29.880
focused on it because it can take lots of lots

546
00:33:29.960 --> 00:33:34.079
of searching to find these things, but it's worth the

547
00:33:34.119 --> 00:33:37.920
investment of your time and you might get a few rejections,

548
00:33:37.920 --> 00:33:41.200
but you also are likely to get a few acceptances

549
00:33:41.240 --> 00:33:44.039
of your requests for scholarships, but you have to.

550
00:33:43.960 --> 00:33:46.680
Be in the game. In other words, to win them,

551
00:33:46.799 --> 00:33:47.960
you have to have submitted.

552
00:33:48.519 --> 00:33:53.480
And I've even seen where a scholarship went to one

553
00:33:53.519 --> 00:33:56.839
student and they decided not to accept the scholarship, and

554
00:33:56.880 --> 00:34:00.440
then the scholarship goes to the next student. You still

555
00:34:00.480 --> 00:34:03.720
have to be in the game to get it, to

556
00:34:03.880 --> 00:34:06.839
make sure that you're applying, meeting the deadline, with everything

557
00:34:06.920 --> 00:34:08.519
to take advantage of it.

558
00:34:09.760 --> 00:34:13.199
Well, yeah, I mean especially you know when you mentioned

559
00:34:13.239 --> 00:34:18.440
the cost of getting this education, I would be writing everybody,

560
00:34:19.000 --> 00:34:21.760
whether I was qualified or not. I don't care if

561
00:34:21.760 --> 00:34:24.199
they react. I just want to take a chance. I

562
00:34:24.199 --> 00:34:28.320
would be writing everyone, especially if it's in an area

563
00:34:28.440 --> 00:34:31.400
that I have interests. If it's in you know, healthcare

564
00:34:31.840 --> 00:34:34.320
or you know, the arts or something like that, I

565
00:34:34.360 --> 00:34:37.599
would definitely be right filling it out, you know, And

566
00:34:37.639 --> 00:34:40.159
once you learn how to do it, it just becomes,

567
00:34:40.280 --> 00:34:43.880
you know, almost automatic to how to do the next

568
00:34:43.880 --> 00:34:48.280
one and the next one. And another thing. Parents can

569
00:34:48.480 --> 00:34:53.199
also get tax credits for the money that they spend

570
00:34:53.599 --> 00:34:59.719
for their children's higher education expenses. And we're all looking

571
00:34:59.719 --> 00:35:05.880
for a tax write off, so this is something else

572
00:35:05.920 --> 00:35:11.599
that can can be a way of being able to

573
00:35:11.639 --> 00:35:15.280
make sure that your student is able to go to

574
00:35:15.360 --> 00:35:18.400
school and go to you know, do the things that

575
00:35:18.440 --> 00:35:21.440
they want to do. And then of course there's always

576
00:35:21.760 --> 00:35:26.840
loans too, but and I'm saying that they're bad, it's

577
00:35:26.840 --> 00:35:29.639
an opportunity, but check.

578
00:35:29.480 --> 00:35:30.119
Your rate.

579
00:35:32.320 --> 00:35:34.719
At the rates, so make sure it's not something that

580
00:35:34.840 --> 00:35:36.639
is going to be going up and down and up

581
00:35:36.639 --> 00:35:40.400
and down, and make sure it's something that's very affordable.

582
00:35:41.840 --> 00:35:46.880
Can you can you still pay that loan in bad times? Yeah,

583
00:35:46.920 --> 00:35:49.079
you're doing you can do it great, But you never

584
00:35:49.199 --> 00:35:52.679
know what life has to bring and what happens if

585
00:35:52.719 --> 00:35:56.559
someone in the family, you know, becomes unemployed or becomes ill,

586
00:35:56.880 --> 00:36:00.880
will you still be able to you know, make those payments.

587
00:36:00.920 --> 00:36:04.519
So you know, I guess maybe at a last resort

588
00:36:05.119 --> 00:36:09.639
that would be an option, but I would definitely be

589
00:36:09.719 --> 00:36:14.440
looking at all the various ways that are available. And

590
00:36:14.960 --> 00:36:18.880
if you start early, my goodness, you'll find all the opportunities.

591
00:36:19.039 --> 00:36:24.000
Like I said, like your state there in Pennsylvania, I

592
00:36:24.079 --> 00:36:26.599
know most of the other states because even the small

593
00:36:26.880 --> 00:36:30.800
smaller states that I've worked in, and they have all

594
00:36:30.840 --> 00:36:33.199
of these different opportunities. So it's a matter of just

595
00:36:33.280 --> 00:36:37.719
doing some research and I know, everybody's got some kind

596
00:36:37.719 --> 00:36:41.280
of AI on their phone. Put your AI to work,

597
00:36:42.119 --> 00:36:46.320
find out where all these scholarships and things are, and

598
00:36:46.400 --> 00:36:48.480
then get busy.

599
00:36:49.480 --> 00:36:54.960
And I like to add to that, there are associations.

600
00:36:55.000 --> 00:36:58.920
So I'm the advisor for the National Society of Black Engineers.

601
00:37:00.159 --> 00:37:04.360
It's composed of college students and pre college students. So

602
00:37:05.000 --> 00:37:07.840
middle school, elementary school, middle school, high school are part

603
00:37:07.880 --> 00:37:11.840
of this big organization that's called the National Society Black Engineers.

604
00:37:11.880 --> 00:37:15.119
They offer scholarships to students not only when they are

605
00:37:15.159 --> 00:37:18.519
applying to college, but when they're in college, you can

606
00:37:18.559 --> 00:37:22.280
still apply for more scholarships. So there's a society of

607
00:37:22.280 --> 00:37:26.400
Women Engineers. There's a society where it span professional engineers.

608
00:37:26.440 --> 00:37:31.199
There's engineering societies mechanical, electrical, chemical, but I'm imagining that

609
00:37:31.280 --> 00:37:33.440
in the same bin that they have those. There's a

610
00:37:33.559 --> 00:37:38.480
National Nursing Association, there's a National Black Nursing Association. There's

611
00:37:39.440 --> 00:37:45.320
sororities and fraternities that are focused on different aspects of professions.

612
00:37:45.639 --> 00:37:49.280
So those are other places that you can apply for funding.

613
00:37:49.960 --> 00:37:52.920
As I've said earlier, make sure you know the deadlines

614
00:37:52.960 --> 00:37:55.880
and make sure two three weeks ahead of time you're

615
00:37:55.920 --> 00:38:01.480
submitting your application, because sometimes the agency that you've for

616
00:38:01.679 --> 00:38:04.559
organization that you submitted this scholarship to will say oh,

617
00:38:05.280 --> 00:38:08.519
we're missing one element. But if you submitted it at

618
00:38:08.519 --> 00:38:10.840
the deadline, then they're not going to call you. There,

619
00:38:10.880 --> 00:38:13.000
I say, you just missed the opportunity because you didn't

620
00:38:13.079 --> 00:38:15.559
do everything you need to do. So get in and

621
00:38:15.599 --> 00:38:17.880
ahead of time, so they need to tell you, oh,

622
00:38:18.159 --> 00:38:21.760
you need this additional essay. They have time to require

623
00:38:21.880 --> 00:38:24.679
and request the additional essay or whatever it might be

624
00:38:25.440 --> 00:38:26.760
that's necessary.

625
00:38:27.400 --> 00:38:31.199
Yeah. Yeah, I'm thinking to myself, I would definitely have

626
00:38:31.280 --> 00:38:35.119
it in there at least sixty days before the deadline,

627
00:38:35.280 --> 00:38:40.519
just in case they now do ask for some additional

628
00:38:40.559 --> 00:38:43.920
information and you've got to do some research or whatever

629
00:38:45.760 --> 00:38:48.159
you like. You said, the deadline's important because if you

630
00:38:48.239 --> 00:38:52.599
miss it, I'm sorry, they're not going to They're not

631
00:38:53.000 --> 00:38:57.039
going to open that window and say, Okay, we'll give

632
00:38:57.079 --> 00:39:00.960
you a chance. No when it's closed close, And it's

633
00:39:01.000 --> 00:39:04.519
because they have rules and regulations they have to follow.

634
00:39:04.840 --> 00:39:08.000
It's not personal. They just have to follow the rules.

635
00:39:08.079 --> 00:39:10.840
And if they say the deadline, then it has to

636
00:39:10.880 --> 00:39:13.199
be in there by that deadline because it needs to

637
00:39:13.280 --> 00:39:16.840
be a competitive thing where everybody applied at the same

638
00:39:16.920 --> 00:39:20.760
time and then they begin making their decisions. People straggling in.

639
00:39:21.039 --> 00:39:25.920
Then you've taken away from what they consider the fairness

640
00:39:26.000 --> 00:39:31.119
of the allotment of the funds. So, yeah, you just

641
00:39:31.159 --> 00:39:33.760
got to follow some of the rules. Just follow the rules.

642
00:39:34.199 --> 00:39:37.360
Make sure the lines are complete, and make sure the

643
00:39:37.360 --> 00:39:41.360
lines are complete, and you can't use a spell checker

644
00:39:42.079 --> 00:39:44.800
so that it does look as if you know, you

645
00:39:44.920 --> 00:39:47.760
are ready to go to college and you are completing

646
00:39:47.800 --> 00:39:52.000
this so you know, to the best of your ability,

647
00:39:53.280 --> 00:40:00.960
and you were mentioning yeah, yeah, it is. Yeah, no,

648
00:40:01.119 --> 00:40:03.679
back to that, It is very important. I know when

649
00:40:03.719 --> 00:40:06.679
I've been in management and I've had to read you know,

650
00:40:07.719 --> 00:40:12.400
information from someone that's applying for something or or you

651
00:40:12.400 --> 00:40:16.079
know reports that I've expected or something like that, and

652
00:40:16.400 --> 00:40:20.599
you know there's misspelled words, there's you know, the sentences

653
00:40:21.280 --> 00:40:25.000
aren't connecting correctly and different things like that. Well, that

654
00:40:25.159 --> 00:40:30.679
just really just turns off even completely reading the rest

655
00:40:30.719 --> 00:40:34.320
of this information, because if I mean, it causes someone

656
00:40:34.440 --> 00:40:39.840
to evaluate you without really knowing who you are. They're

657
00:40:39.840 --> 00:40:43.800
evaluating you based on what you have presented to them,

658
00:40:44.079 --> 00:40:48.320
and what you presented represents who you are, So you

659
00:40:48.360 --> 00:40:51.079
need to put your best foot forward and make sure

660
00:40:51.119 --> 00:40:56.360
your presentation really does, you know, reflect who you are,

661
00:40:56.559 --> 00:41:01.039
and you are a person that's wanting to achieve excellence.

662
00:41:01.480 --> 00:41:04.639
So give them excellence to look at and then they'll

663
00:41:04.960 --> 00:41:09.840
they'll know you're serious. But not paying attention to something

664
00:41:10.840 --> 00:41:15.079
as simple as spelling when there's all kinds of tools

665
00:41:15.119 --> 00:41:18.000
out there that can check and make sure that it's

666
00:41:18.079 --> 00:41:21.880
correct and you won't even check it, then that that

667
00:41:21.960 --> 00:41:28.159
does not, you know, appear very kindly for you. So

668
00:41:28.199 --> 00:41:31.320
that's that's that's really important. So when you need to

669
00:41:31.360 --> 00:41:33.480
have it in all time, you need to make sure

670
00:41:33.599 --> 00:41:36.320
that it's accurate. You need to make sure that there

671
00:41:36.360 --> 00:41:38.360
aren't spelling and sentence scares.

672
00:41:38.719 --> 00:41:43.719
That's really important, and it also sets a president for

673
00:41:43.840 --> 00:41:46.800
how you conduct yourself when you're in college that you're

674
00:41:46.840 --> 00:41:49.840
paying attention to detail, that you're spell checking things that

675
00:41:49.840 --> 00:41:53.400
you're submitting, and that plays out further when you get

676
00:41:53.400 --> 00:41:56.400
into corporate America that there is an expectation that you

677
00:41:56.480 --> 00:42:01.480
can communicate effectively in writing or and speaking, that you

678
00:42:01.559 --> 00:42:04.480
have that ability. So all these are training grounds for

679
00:42:04.639 --> 00:42:08.880
the future that you're expecting to see yourself in and

680
00:42:08.920 --> 00:42:13.400
when you submit that essay because you've actually thought about

681
00:42:13.440 --> 00:42:16.480
what you're about to write, it sounds so much better.

682
00:42:16.519 --> 00:42:19.800
It sounds so much enticing to the person that's reading

683
00:42:19.840 --> 00:42:22.360
it because it looks like and it feels like you

684
00:42:22.440 --> 00:42:24.960
took time to think about what you wanted to say.

685
00:42:27.519 --> 00:42:30.320
I had a couple more questions. I wanted to know,

686
00:42:33.079 --> 00:42:37.320
how are the housing costs covered? If if it's not

687
00:42:37.440 --> 00:42:42.159
including your scholarship, are there ways that they can get work,

688
00:42:43.280 --> 00:42:46.079
you know, while they're only you know, at the university,

689
00:42:46.400 --> 00:42:49.880
or you know, what kinds of things can they find

690
00:42:50.000 --> 00:42:51.800
just to cover their housing costs.

691
00:42:52.079 --> 00:42:55.440
Well, there's tuition room on board, so the overall financial

692
00:42:55.440 --> 00:42:59.880
aid package will include money towards that, and then there'll

693
00:42:59.880 --> 00:43:02.400
be amount of balance that may be left over. If

694
00:43:02.400 --> 00:43:03.719
it's covered, it's covered.

695
00:43:04.559 --> 00:43:07.679
What some students have done is they have worked when

696
00:43:07.679 --> 00:43:10.639
they get in their sophomore junior year, they have worked

697
00:43:10.639 --> 00:43:15.400
as resident assistants in the residential halls, and then that

698
00:43:15.519 --> 00:43:18.880
way their housing is covered because they've been working as

699
00:43:18.920 --> 00:43:21.519
a resident assistant. So I've seen a number of students

700
00:43:21.519 --> 00:43:24.599
take advantage of that and save you know, thirty forty

701
00:43:24.679 --> 00:43:30.320
thousand dollars because they actually worked while they were at

702
00:43:30.360 --> 00:43:34.840
their college. So that's you know, and then like you said,

703
00:43:34.880 --> 00:43:38.239
with loans, if you have an outstanding balance, you know,

704
00:43:38.719 --> 00:43:40.840
you could get a loan or maybe if you have

705
00:43:40.960 --> 00:43:44.159
enough of a grant, it'll cover that. There used to

706
00:43:44.199 --> 00:43:47.000
be a time years ago where a lot of students

707
00:43:47.079 --> 00:43:52.320
got refunds because they had an over amount of financially,

708
00:43:52.880 --> 00:43:54.920
but not as many of those are going out as

709
00:43:55.119 --> 00:43:57.840
there have been in the past because the cost of

710
00:43:57.880 --> 00:43:59.599
college alone is so expensive.

711
00:44:00.480 --> 00:44:01.000
Mm hmmm.

712
00:44:01.280 --> 00:44:06.559
I do remember. There was always it wasn't it wasn't

713
00:44:06.599 --> 00:44:10.519
small money either. There was always money oh left over

714
00:44:10.639 --> 00:44:13.400
on my grant. It was like, oh wow, I got

715
00:44:13.559 --> 00:44:15.280
a few thousand dollars here.

716
00:44:17.079 --> 00:44:20.719
In school. Yes, so yeah, I know.

717
00:44:20.800 --> 00:44:23.320
Now they're probably a lot tighter, but back then, you know,

718
00:44:24.760 --> 00:44:27.599
there were there were a lot of, you know, wonderful

719
00:44:27.639 --> 00:44:32.760
perks that were offered for you going to school. What

720
00:44:32.880 --> 00:44:38.239
other recommendations do you have to assist students that need

721
00:44:38.440 --> 00:44:40.440
financial assistance?

722
00:44:41.679 --> 00:44:45.400
Well, believe it or not, some students have done go

723
00:44:45.480 --> 00:44:49.880
fund me where they just had created GoFundMe and send

724
00:44:49.920 --> 00:44:53.960
it out to all their uncles, aunts, cousins, church members

725
00:44:55.119 --> 00:45:00.320
to help them fund their college experience and sometimes that's

726
00:45:00.360 --> 00:45:03.360
been beneficial in terms of, hey, one of your church

727
00:45:03.440 --> 00:45:06.679
member is so excited about you being in college, they'll

728
00:45:06.719 --> 00:45:08.920
give you five hundred dollars every year that you're in

729
00:45:08.960 --> 00:45:12.039
college and every year that you're succeeding in college. So

730
00:45:12.079 --> 00:45:14.320
it's kind of like putting it out there for people

731
00:45:14.880 --> 00:45:19.440
to make an investment in you. My daughter did it

732
00:45:19.440 --> 00:45:22.079
in a really creative way that she was doing her

733
00:45:22.079 --> 00:45:26.000
dissertation for her doctorate degree, and she created an account

734
00:45:26.159 --> 00:45:29.719
with all the books that she needed and so she

735
00:45:29.840 --> 00:45:31.880
sent it out to everybody, kind of almost like, what

736
00:45:31.880 --> 00:45:37.480
do you call it? We have that event before the.

737
00:45:37.440 --> 00:45:42.719
Baby's born where you actually give out gifts, you get gifts.

738
00:45:43.440 --> 00:45:48.679
They yeah, so baby shower.

739
00:45:48.719 --> 00:45:50.920
Now they have a system where you can list all

740
00:45:50.960 --> 00:45:53.840
the different gifts that you want and to send it

741
00:45:53.880 --> 00:45:56.239
out to people and they just pay the thing that

742
00:45:56.280 --> 00:45:59.159
they can afford. So she did the same thing with books,

743
00:46:00.320 --> 00:46:03.719
the books that she needed funding for and then they

744
00:46:03.719 --> 00:46:06.199
could just go on and the book was automatic shipped

745
00:46:06.239 --> 00:46:06.840
to her.

746
00:46:07.639 --> 00:46:10.239
So it was wonderful we see save hundreds of hundreds

747
00:46:10.280 --> 00:46:14.760
and hundreds of dollars because she really needed books and

748
00:46:14.840 --> 00:46:16.760
that was a creative way to get that done.

749
00:46:17.800 --> 00:46:21.079
Yeah, books were really expensive even back in my days,

750
00:46:21.159 --> 00:46:25.480
so I know they're probably you know, pretty expensive now,

751
00:46:25.960 --> 00:46:30.920
and just covering those books and lab costs and different

752
00:46:30.920 --> 00:46:33.719
things like that, you know, all of that, you know

753
00:46:33.800 --> 00:46:38.840
needs to be taken into consideration. And but you know,

754
00:46:39.519 --> 00:46:42.880
just listening to you, it's like, there's no reason for

755
00:46:42.920 --> 00:46:45.760
anyone wanting to go to college not being able to

756
00:46:45.760 --> 00:46:49.440
go to college, because there's just so many different options

757
00:46:49.440 --> 00:46:53.719
and opportunities to be able to get funding. It just

758
00:46:53.800 --> 00:47:01.079
takes some grit and some time and going after it.

759
00:47:01.320 --> 00:47:03.400
Like I said, don't leave money on the table, do

760
00:47:03.719 --> 00:47:09.519
something about it and make it happen for yourself. Definitely, definitely.

761
00:47:10.280 --> 00:47:13.440
Here's another tip that I give out, and that is,

762
00:47:14.800 --> 00:47:17.199
for example, the school District of Philadelphia has the section

763
00:47:17.280 --> 00:47:22.360
of its website for scholarships, but all those scholarships aren't

764
00:47:22.360 --> 00:47:26.280
specifically for Philadelphia students. There are other kinds of scholarships,

765
00:47:27.079 --> 00:47:30.639
So go on that website, go on other school district's

766
00:47:30.639 --> 00:47:34.280
websites to see what scholarships they have information about, or

767
00:47:34.320 --> 00:47:38.119
what resources that they have. A lot of the states

768
00:47:38.159 --> 00:47:41.800
themselves have a section of the state website where the

769
00:47:41.840 --> 00:47:45.480
part of education offers scholarship information, so you can go

770
00:47:45.639 --> 00:47:49.800
there as well all the colleges that you're applying to.

771
00:47:50.159 --> 00:47:53.119
You may have four or five colleges that you're applying to,

772
00:47:53.159 --> 00:47:55.800
go through the scholarship portion of their website because there

773
00:47:55.840 --> 00:47:59.800
may be other scholarships that aren't specifically targeted to that

774
00:48:00.079 --> 00:48:01.480
university that you can apply to.

775
00:48:02.239 --> 00:48:06.400
M Yeah, I mean, I know, I hear people that

776
00:48:06.480 --> 00:48:08.920
are you know, born in Ohio, but they end up

777
00:48:08.920 --> 00:48:11.960
going to Pennsylvania and different things like that. And you know,

778
00:48:13.280 --> 00:48:17.199
are they recruiting these students, you know, to come to

779
00:48:17.320 --> 00:48:20.760
their school or or you just decide I'm going to

780
00:48:20.800 --> 00:48:26.679
go to that school because I want to live in Pennsylvania.

781
00:48:26.920 --> 00:48:30.119
That's a good question, A good question. So we have

782
00:48:30.199 --> 00:48:35.519
alumni associations all over the country at Villanova, and we

783
00:48:35.599 --> 00:48:39.880
will have different events where the alumni will recognize will

784
00:48:40.719 --> 00:48:44.679
will be the person that represents us at the various

785
00:48:44.800 --> 00:48:49.440
high schools in the local area at the various college fairs.

786
00:48:49.519 --> 00:48:52.159
They will help us with that. And then we have

787
00:48:52.280 --> 00:48:55.280
admission staff that do the same mission staff that go

788
00:48:55.679 --> 00:48:58.159
all over the country recruiting students.

789
00:48:58.559 --> 00:49:00.000
I would say, because.

790
00:48:59.639 --> 00:49:03.800
We're filled up right outside of Philadelphia, Pennsylvania, A large

791
00:49:03.800 --> 00:49:07.599
portion of our schools that or students that apply to

792
00:49:07.800 --> 00:49:12.320
Villanova are from Virginia through Connecticut because they know our school.

793
00:49:12.800 --> 00:49:15.199
But we do have students from as far as Hawaii

794
00:49:15.320 --> 00:49:18.360
and Africa and South America. We have students from all

795
00:49:18.360 --> 00:49:22.599
over the world that come to Villanova from China, from India,

796
00:49:23.400 --> 00:49:26.559
so we have representation from all over the world. We

797
00:49:26.679 --> 00:49:29.880
keep our doors open to anybody that wants to apply.

798
00:49:31.039 --> 00:49:33.239
But yes, we are doing a lot of outreach to

799
00:49:33.280 --> 00:49:36.840
make this happen. It's not just happening by advertisement. We

800
00:49:36.960 --> 00:49:40.559
have to physically send people to certain places to the

801
00:49:40.639 --> 00:49:41.519
recruitment effort.

802
00:49:42.119 --> 00:49:44.960
Okay, So in other words, when you hear of a

803
00:49:45.000 --> 00:49:48.480
college fair, you need to rush there and make sure

804
00:49:48.559 --> 00:49:52.079
you get all the information that is available to you.

805
00:49:52.599 --> 00:49:55.599
Doctor Jones, thank you so much for being here today

806
00:49:55.679 --> 00:49:59.440
and sharing this information with the parents of those students

807
00:49:59.480 --> 00:50:03.920
who want to attend school. And thank you for listening today.

808
00:50:04.400 --> 00:50:07.920
And you can contact doctor Jones at his website and

809
00:50:07.960 --> 00:50:13.519
get even more information. And as usual I'd like to say,

810
00:50:14.679 --> 00:50:17.199
do what you can to help your child meet their

811
00:50:17.280 --> 00:50:26.000
dream and whatever you do, stay informed. I want to

812
00:50:26.039 --> 00:50:29.119
thank you for joining us on a sharp outlook we

813
00:50:29.239 --> 00:50:32.400
have been informed and energized to take the next steps.

814
00:50:32.920 --> 00:50:36.440
We have posted links to websites and videos to learn

815
00:50:36.480 --> 00:50:40.159
more on today's topic. Please join us again next week

816
00:50:40.440 --> 00:50:44.599
for another thought provoking conversation right here on key for

817
00:50:45.039 --> 00:50:49.559
HD radio and Talk for TV. Listen to the podcast

818
00:50:49.719 --> 00:50:55.239
on all the podcast apps, and until next week, stay informed.