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Effects of the CARES Act on Families and Student Borrowers

Who are the young winners and losers in the $2 trillion stimulus package, called the Coronavirus Aid, Relief, and Economic Security (CARES) Act, passed on March 27, 2020?

The winners

Parents with children under the age of 17 who claimed their children as dependents on their latest tax return. They received $500 per child, in addition to the $2,400 for married couples with less than $150,000 adjusted gross income (AGI) or $1,200 for singles making less than $75,000 AGI.

The losers

Parents with children over 17 years of age. Young adults, ages 17 to […]

Effects of the CARES Act on Families and Student Borrowers

Understanding The College Paradigm Shift

The quintessential experience of starting college, living on campus, and making new friends is going to be a bit different this fall. That rich social life so typical of collegiate environments may become memories that will “light the corners of the mind,” as Barbra Streisand sang in the ’70s. Those of us who went to college then will remember how mono was dubbed “the kissing disease.” But none of us had to worry about a deadly virus that can spread to others long before the carrier is aware of being infected.

Colleges are built upon a communal foundation, where students live […]

Understanding The College Paradigm Shift

Pandemic Impact: SAT/ACT And Your High School Senior

As students across the country look ahead to the start of the 2020-2021 academic year, they will need to focus on their health and safety first, academics second. If they remain healthy they will benefit also their family members, teachers, friends, school employees and the world at large.

In these unprecedented times, people in general, not just students, are anxious about their health, along with issues of social unrest, financial insecurities, and politics. High school students typically worry about everything college, and especially those dreaded SAT/ACTs standardized tests. No student takes those just for fun, unless, they can retrieve, process, and […]

Pandemic Impact: SAT/ACT And Your High School Senior

The New SAT: What did we do to deserve this?

The new SAT will soon become the standard bearer for the College Board’s standardized test. It faced an enormous amount of criticism when it first surfaced in sample form last year and the CB spokespeople had a difficult time explaining their reasoning and why the drastic change was being implemented.

A couple of answers to this appeared to make a lot of sense: the old SAT had some biases, it was not based on current educational standards and higher predictive outcomes were seen as favoring the “haves” while disenfranchising the “have nots”. While the specific changes are now clearly evident, as many […]

The New SAT: What did we do to deserve this?

Student Loans: Income based repayment (IBR) 10/27 Update

To stem the tide of overwhelming student debt, the Federal Government has come up with a number of programs that can ameliorate the borrower’s level of pain. Some entail public service based efforts which when a stipulated period of service is completed, the balance of the loan is forgiven. Another attractive offering is the IBR or income based repayment.

This program, which was established in 2012, allows the borrower to pay a percentage of their discretionary income to meet their monthly payment obligation and can reduce the budget squeeze of a much larger payment as per the original loan agreement. On […]

Student Loans: Income based repayment (IBR) 10/27 Update

Date Rape on Campus

If you’ve read “I am Charlotte Simmons”, by Tom Wolfe you see how Charlotte, a first year college student is sexually assaulted in college. brutally by a fraternity brother. She turns the situation around by adhering to her home values, and in the end, her attacker gets his comeuppance.
Charlotte was excited about starting college, meeting new people and be popular. Like in the musical Wicked, “popular” is the drumbeat at Charlotte’s college, and she is surrounded by girls who, like in the musical, are as cool and pretty as Glinda. Charlotte is more like Elphaba, who does not fit in because she comes from a poor […]

Date Rape on Campus

The Nursing Major

Are you interested in nursing? There are two avenues to gaining admission to nursing programs: direct entry immediately upon graduating from high school and entry after two years of college. Direct admission to a Bachelor’s of Science in Nursing or BSN is super competitive these days. The colleges that take high school graduates directly into this major require higher grade point average and standardized test scores than for general admission to Arts & Sciences.

So it is helpful for students to think through and decide whether or not they are completely sure of wanting to major in nursing or should instead apply […]

The Nursing Major

College Admissions: It’s All About ADD

It’s February and time for the annual pandemic of ADD!

Aha, if you are thinking this story is either wacko or just another rant about Attention Deficit Disorder you are incorrect. This seasonal event starts in late December and can last until April and in some cases even into the summer. This ADD has to do with college admissions and only students truly immune from this syndrome are those that have had the joy of receiving an offer of admission from the college to which they applied via the Early Decision process.

The ADD in this case is Admitted, Deferred or Denied. For the […]

College Admissions: It’s All About ADD

The Three Levels of Learning Services in College

When students with learning disabilities decide to go to college, they face not only the challenge of finding the right college match but also the right type and the right level of learning support services.

In our private practice we encounter a variety of students who will need learning supports in order to be successful in college. Some may have learning disabilities that were never diagnosed and may be performing way below their potential. Others are fortunate to be receiving the highest level of support from their high school, called an Individualized Educational Plan (IEP). A lower level of support just […]

The Three Levels of Learning Services in College

The One Trillion Dollar Student Loan Debt Debate

As the search for a solution to the one trillion dollar of student loan debt rages on, let’s not forget that this trillion is still in repayment: people are still making monthly payments on their student loans. The government and taxpayer are likely not going to lose all of this trillion. Most of the borrowers are repaying this debt. We may not recoup the entire trillion but more than likely we won’t have one trillion in defaulted loans. I’m writing this in reference to this article: http://www.mainstreet.com/article/moneyinvesting/education-planning/why-african-americans-were-denied-parent-plus-loans-colleg

It does not mean that an entire trillion is lost. The majority of borrowers are in repayment […]

The One Trillion Dollar Student Loan Debt Debate