1. © American Student Achievement Institute PLAN  PREPARE  PAY For Postsecondary Completion and Career Success Student Information Series 12th Grade Presentation FACILITATOR GUIDE Delete this slide before printing or presenting.

2. © American Student Achievement Institute Please delete this slide before printing or presenting. FACILITATOR GUIDE: 1.Introduction:: Learn More Indiana’s PLAY  PREPARE  PAY Student Information Series is a collection of five Power Point presentations designed to be shared with students either at the beginning of the school year or immediately proceeding the time when students register for classes for the following year. Each presentation presents age-appropriate academic and career knowledge. When mastered by the student, this knowledge will help students make sound choices that support high achievement, postsecondary access and postsecondary completion. The degree to which students make these choices is reflected in the data provided by the Learn More Indiana Student Survey. The content in these presentations is aligned with the Indiana Student Standards for Guidance published by the Indiana Department of Education and the American School Counselor Association National Standards.

3. © American Student Achievement Institute Please delete this slide before printing or presenting. FACILITATOR GUIDE: 2.Presentation Format: Each of the presentation in the Learn More Indiana Student Information Series follows the same general format. A.Why should I continue my education after HS? B.What postsecondary options exist? C.What do I do as a [grade level] to prepare for my future? PLAN PREPARE PAY D.Where should I keep track of my plan? E.What’s my [grade level] timeline? F.Who can help me?

4. © American Student Achievement Institute Please delete this slide before printing or presenting. FACILITATOR GUIDE: The presentation at each grade level covers various topics in more depth. GRADEIN-DEPTH CONTENT 8 th High school course planning Indiana diploma requirements Career planning Postsecondary planning Postsecondary admissions requirements NCAA eligibility requirements Indiana Career Explorer Indiana Graduation Plan 9 th Adjusting to High School Finding academic support Study skills Student leadership / volunteerism 10 th Advanced Placement / Dual Credit 11 th Postsecondary exploration Merit-based financial aid 12 th College applications FAFSA Process

5. © American Student Achievement Institute Please delete this slide before printing or presenting. FACILITATOR GUIDE 3.Presenters: Schools: It is hoped that every Indiana student’s school counselor will enable his or her students to hear this presentation either by presenting the information himself or herself during individual and group guidance activities, or by ensuring that the presentation is made by others in the school (e.g. teacher advisors or homeroom teachers). Community Organizations: Community organizations may also wish to make these presentations with students who participate in their programs. Organization leaders may make the presentations themselves or invite a local speaker certified by Learn More Indiana to make the presentation. Learn More Indiana Speakers Bureau: Learn More Indiana certifies local presenters throughout the state to present these presentations and others on behalf of Learn More Indiana. Certified speakers participate in training and assure Learn More Indiana that they will present the presentation content accurately and professionally. Learn More Indiana matches certified speakers with event hosts. If you are interested in becoming a certified speaker or requesting a speaker for an event you are hosting, please go to www.learnmoreindiana.org and click “Speakers Bureau.”

6. © American Student Achievement Institute Please delete this slide before printing or presenting. FACILITATOR GUIDE 4.Script: To see the speaker notes for each slide, click “View” and then “Normal” – or click the “normal” icon found on your screen. 5.Timing: Most presenters spend an average of 30 seconds per slide. To calculate the minutes needed for this presentation, divide the total number of slides by two. Practice the presentation for the best time estimate. To assure that you have adequate time to finish the presentation, ask people to hold their questions to the end of your presentation. You may wish to break the presentation into two or more smaller presentations.

7. © American Student Achievement Institute Please delete this slide before printing or presenting. FACILITATOR GUIDE 6.Presentation Tips: KNOW THE CONTENT: Read through the speakers notes for each slide. If you don’t understand the content, contact Susan Tharp at 765-366-9151 or stharp@learnmore.org PRATICE: While speaker notes are provided, practice giving the presentation in your own words. Use the slides as reminders for what to talk about next. Become familiar with the content so you can present it well and do so within the time limit. STRESS: It is natural for speakers to be nervous before a presentation. Get to the event site early enough to a) find the room where you will be presenting, b) set up and test your AV equipment, and c) have time to think about nothing else but your presentation. Remember that even if your presentation is a little shaky, you are still conveying information that is very important to students’ futures. LOOK PROFESSIONAL: A professional appearance shows a lot about a person’s professionalism and confidence. Dress the part!

8. © American Student Achievement Institute Please delete this slide before printing or presenting. FACILITATOR GUIDE BE PROFESSIONAL: Be courteous to your host and to other presenters. Be on time. Pay attention to other presenters. Refrain from texting or taking phone calls while at the event site. GREAT PEOPLE AT THE DOOR: As people enter the room where you are presenting, stand at the door and great them with a smile. Later, when you’re in front making your presentation, they will remember your warm smile. EYE CONTACT: Make eye contact with as many people as you can while you’re talking. Make a point to look at people in the front of the room, back of the room and both sides of the room. SPEAK CLEARLY: Make sure your voice is clear and loud enough to be heard in the back of the room. As a general rule of thumb, most people need a microphone if there are 50 or more people in the room. A microphone might feel uncomfortable to you, but it’s necessary if the group is large or if you’re soft spoken.

9. © American Student Achievement Institute Please delete this slide before printing or presenting. FACILITATOR GUIDE ENGAGE THE AUDIENCE: Speakers are much more interesting if they engage the audience. You can do this by 1) asking people if they have questions, 2) asking people to share their experiences, 3) sharing a tasteful story. Another tip is to provide the audience with notecards where they can write the questions they plan to ask later or notepaper listing the topics you will be presenting and leaving space for the audience to take notes. BE EXCITED! Your presentation is important. It will help students develop the knowledge they need to make sound choices in areas that impact postsecondary access and success. They are fortunately to have you as a presenter! PAY ATTENTION: As you present, pay attention to your audience. Do they look confused? If so, repeat what you’ve just said in a way that is more clear. Are they falling asleep? If so, walk around the room as you’re presenting or take a short break.

10. © American Student Achievement Institute Please delete this slide before printing or presenting. FACILITATOR GUIDE ANSWER QUESTIONS: Answer questions at the end of your presentation. Be sure to repeat the question loudly so everyone will hear what was asked. That will also give you time to time about your answer. Be sure you understand the question. If not, ask for clarification. If you don’t know the answer to a question, be honest. Tell the group that you will look into the answer and get back with them. Later, contact Susan Tharp at 765-366-9151 or stharp@learnmore.org LEARN FROM YOUR EXPERIENCE: Every time you present, you will have an opportunity to learn. What went well? Where do you need to improve. Make adjustments in your next presentation based on what you learned from your past presentations.

11. © American Student Achievement Institute Please delete this slide before printing or presenting. FACILITATOR GUIDE 7.Copyright: The materials that you are presenting are copyrighted by the American Student Achievement Institute (ASAI). You have ASAI’s permission to copy and distribute this presentation for educational purposes provided that the copies include proper citation and you are not generating an income from their use. You also have ASAI’s permission to omit, add or edit slides in this presentation.* If making changes, you must change the citation to read, ““Adapted from the College Readiness Power Point Series, © American Student Achievement Institute.” * Learn More Indiana certified speakers may change the presentation format, but may not change the presentation content to insure accuracy of the content.

12. © American Student Achievement Institute PAYING For Postsecondary Completion and Career Success Information Series for Adults Who Serve Youth

13. © American Student Achievement Institute Paying for College INDIANA COLLEGE SUCCESS SPEAKERS BUREAU Sponsored by Learn More Indiana Planning for College Preparing for College Paying for College

14. © American Student Achievement Institute Paying for College INTENDED FOR Adults Who Advise Youth Parents School Counselors Teachers Scout Leaders Youth Ministers Members of the College Success Coalition

15. © American Student Achievement Institute Paying for College PURPOSE To help adults in the community become knowledgeable about the pathway to college so they can prove sound information and guidance for the community’s young people.

16. © American Student Achievement Institute Paying for College GOAL Wherever kids turn, someone is talking to them about college.

17. © American Student Achievement Institute LevelExampleCredential 4-year collegeIndiana UniversityBachelor / Adv. 2-year collegeIvy Tech Community CollegeAssociate Career collegeCollege of Court ReportingCertificate ApprenticeshipCarpenter’s Apprenticeship Certificate Work Experience MilitaryU.S. Army Certificate Work Experience What do we mean by “college?”

18. © American Student Achievement Institute Presentation Topics 1.College Benefits 2.Saving for College 3.Financial Aid Terminology Merit-based Aid FAFSA Financial Aid Package 21st Century Scholars Institutional Aid Private Aid 4.Financial Aid Resources

19. © American Student Achievement Institute Preparing for College  College Benefits

20. © American Student Achievement Institute Why continue? Source: U.S. Bureau of Labor Statistics, 2009 (http://www.bls.gov/emp/ep_chart_001.htm) To qualify for a job in which you’re interested. Why continue your education?

21. © American Student Achievement Institute Why continue? GREATER INCOME: Source: U.S. Bureau of Labor Statistics, 2009 (http://www.bls.gov/emp/ep_chart_001.htm) Why continue your education?

22. © American Student Achievement Institute Why continue? UNEMPLOYMENT RATE: Source: U.S. Bureau of Labor Statistics, 2009 (http://www.bls.gov/emp/ep_chart_001.htm) Why continue your education?

23. © American Student Achievement Institute Why continue? OTHER BENEFITS: College degree holders: Smoke at less than half the national average Exercise twice as much Spend more time on education with their children Volunteer twice as often Vote at a rate 20-30% higher Enrico Moretti, Estimating the Social Return to Education: Evidence from Longitudinal and Repeated Cross- Sectional Data.” Journal of Econometrics 21:1 (July-August 2004): 175-212. Why continue your education?

24. © American Student Achievement Institute  What’s included in college costs? Preparing for College

25. © American Student Achievement Institute YOUR COSTS Tuition Room Board (meals) Books Fees Personal costs (pizza, shampoo, etc.) Transportation to and from home Understand Postsecondary Financing

26. © American Student Achievement Institute AVERAGE “LIST PRICE” Understand Postsecondary Financing TYPE OF INSTITUTIONAVERAGE COST 4-yr College – private39,772 * 4-yr College - public20,114 * 2-yr College – private (career college) 24,654 * 2-yr College - public12,398 * For a full-time student living on campus, 2010-2011 Source: National Center for Educational Statistics (http://nces.ed.gov/programs/coe/tables/table-cst-1.asp) TYPE OF INSTITUTIONAVERAGE COST Apprenticeship ProgramNone MilitaryNone

27. Understand Postsecondary Financing List Price ─ Financial Aid _______________ ACTUAL COST (also called “net” cost)

28. ACTUAL COST EXAMPLES Understand Postsecondary Financing PUBLIC COLLEGE PRIVATE COLLEGE List Price20,00040,000 Financial Aid17,00039,000 ACTUAL COST3,000/ yr1,000/ yr

29. © American Student Achievement Institute Preparing for College  Saving for College

30. © American Student Achievement Institute UNDERSTAND: INDIANA COLLEGE COST ESTIMATOR Understand Postsecondary Financing www.indianacollegecosts.org Compares the estimated net cost of Indiana colleges FREE!

31. © American Student Achievement Institute College Choice 529 Direct Savings Plan https://collegechoicedirect.s.upromise.com/content/home.html Indiana taxpayers are eligible for a state income tax credit of up to 20% of contributions to a College- Choice 529 account, up to $1,000 credit per year.

32. © American Student Achievement Institute Financial Aid How much should families save? Saving for College

33. © American Student Achievement Institute Preparing for College  Financial Aid

34. © American Student Achievement Institute Terminology

35. © American Student Achievement Institute NEED-BASED vs MERIT-BASED AID Understand Postsecondary Financing Need-Based Aid Awarded to students who meet the government’s definition of needy. Not competitive. Sometimes called a grant. Merit-Based Aid Awarded to students who have certain qualities, accomplishments or skills. Usually competitive. Sometimes called a scholarship.

36. © American Student Achievement Institute TYPES OF FINANCIAL AID Understand Postsecondary Financing Gift Money No need to repay Work-Study Student paid for working Student Loans Must be repaid to the lender

37. © American Student Achievement Institute TYPES OF LOANS Understand Postsecondary Financing STUDENT LOAN - SUBSIDIZED Government pays the interest Repayment begins after college STUDENT LOAN - UNSUBSIDIZED Student pays the interest Repayment begins after college PARENT LOAN - UNSUBSIDIZED Parent pays the interest Repayment begins immediately

38. © American Student Achievement Institute Merit-based Financial Aid

39. © American Student Achievement Institute Pay JUNIORS AND SENIORS Should search for and apply for merit-based aid. Finding Merit-Based Aid

40. GET ORGANIZED Finding Merit-Based Aid 1.Have a folder for each scholarship Write the scholarship name and due date on folder tab 2.Sort the folders by deadline 3.Set aside a time each week to complete scholarship applications

41. SCHOOL ANNOUNCEMENTS Finding Merit-Based Aid Information about many merit-based scholarships is sent to your school. Finds out how your school shares this information with students. 1.Morning announcements? 2.Scholarship newsletter? 3.Email listserv? 4.List in the counselors office?

42. MERIT-BASED SCHOLARSHIPS Finding Merit-Based Aid 1.Parents’ employers Ask your parents to ask their employers if they provide scholarships for children of employees 2.Community organizations Listen to your school announcements and read publications coming from your school counselor to learn about local scholarships

43. Finding Merit-Based Aid Go to: www.indianacareerexplorer.comwww.indianacareerexplorer.com 1.Login 2.Click tab: Plan for Education 3.Click link: Learn About Financial Aid 4.Click link: Find and Apply for Scholarships & Grants 2 2 1 1 MERIT-BASED SCHOLARSHIPS

44. © American Student Achievement Institute Private Aid DOLLARS FOR SCHOLARS Community-based scholarship foundations Managed by a board of local volunteers who o Receive training from Indiana Dollars for Scholars o Receive resources form Indiana Dollars for Scholars (e.g. scholarship application templates) o Manage local organizations’ scholarships o Raise funds o Awards scholarships to local students 104 Indiana communities currently have DFS chapters! www.in.dollarsforscholars.org

45. SCHOLARSHIP SEARCH COMPANY SCAMS Finding Merit-Based Aid Many scholarship search companies are scams. The Federal Trade Commission warns students to look for these “red flag” statements: A scholarship is guaranteed or your money back. You can't get this information anywhere else. I just need your credit card or bank account number to hold this scholarship. We'll do all the work. You just pay a processing fee. The scholarship will cost some money. You've been selected" by a "national foundation" to receive a scholarship. You're a finalist - in a contest you never entered. Federal Trade Commission Website (2013) - http://www.consumer.ftc.gov/articles/0082-scholarship-and-financial-aid-scams

46. © American Student Achievement Institute FAFSA (Free Application for Federal Student Aid)

47. What does the FAFSA cover? FAFSA By submitting one application, students apply for all need-based programs: Federal Programs 1.Grants (gift money) 2.Student work-study 3.Student loans 4.Parent loans State Programs

48. Who should apply ? FAFSA EVERYONE planning to continue their education after high school Students from well-off families may have need if they attend expensive private colleges. If your financial situation changes (e.g. a parent is laid off), you can obtain aid if you have applied for need- based financial aid

49. FAFSA PART 1: Complete and submit the FAFSA 1.Complete taxes Your taxes Your parents’ taxes 2.Obtain a FAFSA application in December from: Online FAFSA: www.fafsa.govwww.fafsa.gov Paper FAFSA: Your school counselor 3.Fill out the FAFSA (based on your tax forms)

50. FAFSA PART 1 (cont): Deadlines 1.To qualify for federal programs: June 30 2.To qualify for state programs: March 10 3.To qualify for institutional programs: Check with the institutions to which you’re applying

51. FAFSA PART 1 (cont): Where to get help: 1.FAFSA Friday Live, interactive webcast about the FAFSA February http://www.in.gov/learnmoreindiana/2704.htm 2.COLLEGE GOAL Sunday Face-to-face help with your FAFSA February www.collegegoalsunday.org 3.School counselor 4.Financial aid representative at the institution 5.National Center for College Costs www.indianacollegecosts.org

52. FAFSA PART 2: Review the Student Aid Report - SAR 1.You will receive an SAR: As an email attachment In the mail. NOTE: The colleges that you listed on the FAFSA will also receive the SAR 2.VERY IMPORTANT Immediately check this report for accuracy If there are errors, follow directions for correcting those errors

53. FAFSA PART 2 (cont): Review the Student Aid Report - SAR (cont) The SAR includes your: EXPECTED FAMILY CONTRIBUTION (EFC) This is the amount of money that the government feels you and your family can contribute toward your college education each year. Each college will use your EFC to determine how much financial aid you need to attend their school and create a financial aid package.

54. © American Student Achievement Institute Financial Aid Package

55. Once the college receives your SAR, they will use your EFC to determine your “need.” COLLEGE A (public) COLLEGE B (private) List Price20,00040,000 EFC3,000 Need17,00037,000

56. Financial Aid Package PART 3: Financial Aid Package In late spring, colleges will send you a financial aid package. NEED COLLEGE ACOLLEGE B List Price20,00040,000 EFC3,000 Need17,00037,000 FINANCIAL AID PACKAGE COLLEGE ACOLLEGE B Grants3,100 Loans1,500 Work-Study1,700 Institution8,50033,700 UNMET NEED2,2000 TOTAL COST (EFC + unmet need) 5,2003,000

57. © American Student Achievement Institute Which college costs more? Why? State CollegePrivate College Total College Cost24,00041,000 Expected Family Contribution8,300 Need15,70032,700 FINANCIAL AID PACKAGE Federal Grants7,5009,200 Loan4,2003,500 Work Study2,500 College Scholarship (merit)017,500 Total Financial Aid Package14,20032,700 Expected Family Contribution8,300 Unmet Need1,5000 Cost to the Family9,8008,300

58. © American Student Achievement Institute Which package is best for the student? College ACollege B Total College Cost24,000 Expected Family Contribution8,300 Need15,700 FINANCIAL AID PACKAGE Federal Grants7,5009,200 Loan4,2003,500 Work Study2,500 Total Financial Aid Package14,200 Cost to the Family9,800

59. © American Student Achievement Institute Which package is best for the student? College ACollege B Total College Cost24,00041,000 Expected Family Contribution8,300 Need15,700 Financial Aid Package Federal Grants7,500 Loan4,200 Work Study2,500 Total Financial Aid Package14,200 Cost to the Family9,800 LOANCollege ACollege B Subsidized2,0003,200 Unsubsidized2,2001,000 TOTAL4,200

60. © American Student Achievement Institute Financial Aid Package IF THE FINANCIAL AID PACKAGE IS NOT SATISFACTORY: Contact the Financial Aid Office at the college Explain your circumstances Share what other colleges have offered

61. © American Student Achievement Institute Indiana 21st Century Scholars

62. © American Student Achievement Institute Twenty-first Century Scholars Eligibility: 7th, and 8th graders who: Qualify as income eligible in one of the following ways: o Receive free/reduced lunch o Live in a foster home o Meet family income requirements Enroll in the program Sign a promise of good citizenship Amount: 2 or 4 yr college = public college tuition At a private career college = cost of Ivy Tech Application: School counselor 1-888-528-4719 Apply online: http://www.in.gov/ssaci/2429.htm Deadline: June 30

63. © American Student Achievement Institute Institutional Aid

64. © American Student Achievement Institute Institutional Aid Award Amount: Varies Eligibility: Varies Application: College Financial Aid Office

65. © American Student Achievement Institute Preparing for College  Financial Aid Resources

66. © American Student Achievement Institute Cash For College Campaign © American Student Achievement Institute www.learnmoreindiana.org/cashforcollege Statewide campaign to encourage students to apply for financial aid

67. © American Student Achievement Institute FAFSA Friday Webinar © American Student Achievement Institute http://www.in.gov/learnmoreindiana/2704.htm Online webinars where students and parents can chat with a financial aid expert FREE!

68. © American Student Achievement Institute College Goal Sunday © American Student Achievement Institute www.collegegoalsunday.org Community-based events where financial aid experts help students and parents complete the FAFSA 30+ locations in Indiana FREE!

69. © American Student Achievement Institute THANK YOU! Paying for Postsecondary Completion and Career Success Information Series for Adults Who Serve Youth