Using the Universal College Application (UCA)

Using the Universal College Application (UCA)

The UCA application site,, went live on July 1st; feature-rich, stable, reliable, dependable and efficient—UCA launched a full month before the Common Application is scheduled to flip on the switch.

Yet before you rejoice or yawn, let’s recapitulate last year’s launch of the Common Application’s new version called CA4.

Alumni Interviews

Alumni Interviews

This year the alumni interviews at a number of schools were a touch more stressful than usual.

Usually an alumni interview is a relatively relaxed exchange done to gain a sense of how applicants present themselves, engage in conversation, and express their curiosities across a range of subjects. If it weren’t for the fact that it’s an element, a small one, of the college admissions process, these interviews could be one of the more enjoyable and interesting conversations a student might have about a college of interest. It often rewards an applicant with a unique perspective of the school.

Major Confusion

Major Confusion

The path to success rarely depends on selecting the right major.

Nor is a job assured by studying a given discipline. Nonetheless, when discussion of majors arises ‘be practical’ and study something ‘relevant to the workplace’ are constant refrains. Yet, what is ‘practical’ and ‘relevant’ in the workplace?  The practical and relevant today might become dross in just a matter of years.

Majors and Salaries: the Economic Value of a Major

Majors and Salaries: the Economic Value of a Major

A new study about the earning power of recent undergraduates was just published by Georgetown University’s Center on Education and the Workforce: “What’s it Worth? The Economic Value of College Majors”. The study can be found complete at:  

A Question of Financial Aid

  •         Using College Navigator to find Cost of Attending
  •         Using College Navigator to compare quality of your financial package
  •         A Word about Parent Plus Loans-Avoid

As your acceptances begin to pour in, it’s critical to review each school’s financial aid package. The best way of evaluating the offers is by placing them on a spreadsheet, or a big piece of paper, and writing down the following information for each of your schools:

Line 1: The Total Cost of Attending (tuition + room & board + books + any fees + any projected travel) [COA]

Line 2: Your Effective Family Contribution (calculated by the FAFSA form) [EFC]

Line 3: Your Need (calculated by: Line 1 – Line 2)

Line 4: The detailed financial package you’ve been offered.

The above is the fundamental financial aid formula. If you hate formulas, please read on anyway; the information might prove useful.

Now, let’s go line-by-line using Georgetown University as an example. Starting on Line 1, the cost of attending [COA], can be found in College Navigator, type in ‘Georgetown,’ and click on the tab, “Tuition, Fees, and Estimated Student Expenses.” You’ll discover that tuition for 2010-2011 is $40,203, books and supplies $1,184, room & board $12,798, other fees $2,340, and, assuming you’re traveling from California to get there, possibly several times during the year, it’s safe to estimate travel costs at $2,100. The total COA for Georgetown is $58,625.

Line 2, effective family contribution, [EFC], is calculated from the information that you’ve entered on your FAFSA form. If you’re not yet a senior, you can estimate your EFC by going to ( or the College Board, and enter your information into its EFC calculator. Obviously, you want to have your EFC as low as possible.  For the sake of this example, let’s say your EFC is $17,000.

Line 3, your need, is calculated by subtracting line 2 from line 1. This amounts to $41,625.  Now you will see just how much of your ‘need’ has been covered by Georgetown. The good news is Georgetown is need blind and fully meets the need of US applicants. So let’s assume that Georgetown has offered you scholarships and grants amounting to $25,000 for freshman year, with the balance in work/study $2800, and loans, $13,825.  Staying in College Navigator, click on the tab, Financial Aid. You’ll find the number of students who received financial aid in 2010 is 910 students.  58% of the class received $26,794, in grants and scholarships, on average. Georgetown has given you a package that is pretty close, though you still can make a case for the additional $1,794. Now, on Georgetown’s need amount, there is no $2,100 in travel; you’ll have to negotiate with the financial aid office to get them to offset that cost. Subtracting those amounts from the $13,825, you’re now at $9,931. On College Navigator you’ll find that the average amount of student loan aid is $6,727. You’re only $3,204 apart.

A word about loans: If you must take out a loan you’ll want a federally subsidized Stafford loan or Perkins loan, if at all possible. These loans have low, fixed interest rates and the interest doesn’t start ticking until you’re finished with college (and can be delayed should you go on to graduate school).  Avoid Parent Plus loans no matter what the situation. Parent Plus is a full recourse loan (meaning the lender can get its money back anyway it sees fit, placing a lean on your house, garnishing your wages…), is not dischargeable, which means even if you declare bankruptcy the loan will not be dismissed and will continue accumulating interest and fees, and can potentially destroy your credit rating before you take one step into the workforce. (If you wish to learn more about the dangers of Student Loans please refer to Debt Free U by Zac Bissonnette, p. 61-97).

Congratulations, you’ve done a good job evaluating your Georgetown financial package. When negotiating your financial aid, treat it no differently than buying a car. You want to negotiate the lowest price possible through whatever grant and scholarship monies are available. Better still, you know they want you, after all they accepted you and they want the best yield (# students matriculating/# students accepted) percentage possible—it helps with their US News ranking. Negotiate hard, and go Hoyas.

재정 보조에 관하여

  •        College Navigator에서 학비 계산하기
  •        College Navigator에서 재정 보조 비교하기
  •        Parent Plus Loan 절대로 피해라

이제 합격의 소식이 들리기 시작하면, 재정 보조 제안을 비교 분석하는 것이 필수적이다.  가장 좋은 방법은 큰 종이나 계산 종이 위에 각 대학의 정보를 적는 일이다:

첫 줄: 재학 총 비용 (등록금+숙식비+책값+기타 비용+여행비)[COA]

둘째 줄: 가족이 댈 수 있는 금액(FAFSA양식에서 계산) )[EFC]

셋째 줄: 부족부분(첫줄-둘째줄)

넷째 줄: 제안받은 재정보조 제안

이것이 기본적인 재정 보조 공식이다.  이 공식이 맘에 안 들어도 끝까지 읽으면, 유용하다는 것을 알게 될 것이다.

먼저, Georgetown University를 예를 들어 한 줄씩 계산을 해보자.  첫 줄 계산을 위해 College Navigaor (에서 COA를 계산하자.  ‘Georgetown’을 치고, “tuition, fees, and estimated student expenses”의 탭을 클릭하자.  그러면, 2010-2011년도의 등록금이 $40,203이고, 책과 학용품이 $1,184, 숙식비용이 $12,789, 다른 비용이 $2,340이다.  만약 캘리포니아에서 간다면, 년간 오고 가는 비용을 계산하면, 여행비용을 $2,100으로 잡고, 총 COA는 $58,625가 된다.

다음, 둘째 줄의 가족이 대는 비용 (EFC)를 계산하면, FAFSA에서 계산하거나, 졸업반이 아니면,나  College Board에 개인정보를 넣으면, 알 수 있다.  최소한의 EFC를 계산하는데, 대략, $17,000이라고 하자.

셋째 줄의 필요부분은 첫 줄에서 둘째 줄을 빼면, $41,625가 된다.  이 금액을 어떻게 대학이 제공할지를 살펴보자.  좋은 소식은 Georgetown은 이유를 따지지 않고 미국 응시자에게 보조를 한다는 사실이다.  그래서 대학이 $25,000을 장학금과 그랜트로 준다고 하자. 그리고나서 work/study로 $2,800을 받고, 대출을 $13,825를 받는다면 해결이 된다.  College Navigator에서 Financial Aid를 찾으면, 2010년도에 910명의 학생들이 재정보조를 받았음을 알 수 있다.  58%의 학생이 평균 $26,794를 장학금과 그랜트로 받았다.  여러분도 이런 제의를 받는다면, $1,794만이 부족이다.  그러나 Georgetown은 여행을 위한 $2,100에 대한 보조는 없다.  이제 여러분은 재정담당을 찾아가서 협상을 해야 한다.  그래서 해결이 되면, 이제 $13,825에서 빼면, $9,931만 남는다.  College Navigator을 보면, 평균 학생대출보조는 $6,727이다.  그러면, 이제 $3,204만 남아있다.

대출에 대한 한마디: 대출을 받아야 한다면, Stafford나 Perkins 론을 받도록 해야 한다.  이 대출은 이자율이 낮고, 고정되어 있고, 대학을 마칠 때까지 이자율이 오르지 않는다(대학원을 간다면, 더 연기된다).  어떤 상황에서라도 Parent Plus 대출은 피해야 한다.  이 대출은 상환대출 (반드시 갚아야 하며, 주택에 차압이나 월급의 차압도 가능하다)이고, 피할 수 없고, 파산을 선고해도 이자율도 계속 올라가고 직장을 시작하기도 전에 여러분의 크레딧을 잃게 한다 (만약 이 위험에 대해 더 자세히 알고 싶다면, Zac Bissonnette의 Debt Free U 의 P. 61-97참고바람).

여러분이 Georgetown의 재정보조를 잘 평가해보았다면, 축하를 보낸다.  이것은 여러분이 차를 살 때와 다르지 않다는 것을 명심해야 한다.  그랜트와 장학금으로 최대한 낮은 비용을 내도록 협상해야 한다.  도한 일단 입학제안을 받으면, 대학이 좋은 입학률을 위해 US News의 등급에 필요하기 때문) 여러분을 필요로 한다는 사실을 염두에 두고 협상에 임해야 한다.  잘 협상하여 Georgetown 재학생이 되길 바란다.


Unfolding the Common Application

Unfolding the Common Application

The college admissions process creates untold stress. Just the effort to get organized is tough. There are numerous details and losing track of any one of them might lead to a sleepless night: teacher recommendations, counselor recommendation, transcripts, test scores, mid-year reports, secondary school reports, art portfolios and, athletic information. This is a lot to keep track of.

Catholic Colleges Considered

  • The Growing Influence of Catholic Colleges in Congress
  • The Types of Catholic Colleges
  • The Leading Jesuit Colleges
  • Quick Review of the Most Famous Jesuit Colleges
When exploring potential colleges, many students start with their state schools or the more prestigious independent colleges, such as Duke, Haverford, Stanford, or the Ivies.  Some students, however, are attracted to the Catholic universities and colleges.  With over a 180 scattered across the United States, there are a number to choose among. A full list can be found at: . The realm of Catholic postsecondary schools comes with a wide-variety of approaches: Augustinian (Villanova University, PA); Diocesan (Seton Hall, NJ; University of Dallas); Dominican (Providence University); Congregation of Holy Cross (University of Notre Dame); and Vincentian (St. John's University of New York). Then there are the 28 Jesuit universities and colleges, all members of the Association of Jesuit Colleges and Universities, . Father Charles Currie, the Jesuit Association's president, recently announced that alumni from 15 of his member institutions compose almost 10% of the current, 111th Congress (in all honesty, the 110th Congress had even more members with 54-but 52 is no small accomplishment). Not surprisingly, the bulk, a total of eighteen, came out of Georgetown University, which is about four miles from the steps of the Capitol Building.  Boston College contributed seven, with the College of Holy Cross (Worcester, MA), and Fordham University (Bronx, New York) each contributing four. If you feel the pull of politics in your destiny, these Jesuit schools just might warrant a review. Georgetown University, founded in 1789, before the District of Columbia existed, is the oldest Catholic University in the United States. It contains four undergraduate colleges: liberal arts and sciences, Foreign Service, business, and nursing and health sciences. Its most popular majors, as you might expect, are history and government, followed closely by philosophy (especially bioethics) and foreign language. Georgetown is a breeding ground for future lawyers, congressmen, senators, and a former president. Boston College is another selective Jesuit university with campuses in Chestnut Hill and Newton, about 2 miles apart, in suburban Boston. The school was founded by the Jesuits to teach Irish immigrants. In addition to a Core Curriculum that ranges across disciplines, each freshman is required to take a writing workshop to assure competency. There are 60 Jesuits within the faculty of 900; they're able to magnify their influence through the philosophy, theology and ethics departments.  Even though 70% of the undergraduates are Catholic, the college has a secular feel. BC's strongest departments include economics, history, biology, chemistry, physics, and English. The College of Holy Cross resides on a 174-acre campus that is also a nationally registered arboretum. At one point, Holy Cross, like all Jesuit colleges, required its students to minor in philosophy, regardless of major. This is no longer the case, but Holy Cross does offer a unique program, the First Year Program (FYP), which 25% of incoming freshmen elect to enter. This program is composed of small seminars, in which students gain the ability to read analytically, and build capable writing skills. Biology, history, and economics are its strongest departments. Fordham University was founded in 1841 by Dagger Hughes, who also built St. Patrick's Cathedral and established the American parochial system. Known as the Jesuit University of New York, Fordham is now composed of four campuses, with the main campus in Rose Hill section of the Bronx. Its strongest departments include business, International Political Economy, and theatre (as Broadway is just down the road). Jesuit colleges and universities are vital parts of the US higher educational landscape. Though some students might shy away from schools with religious overtones, these colleges provide a good grounding in the liberal arts, seem to have a more secular bent, and, if you're interested, might supply you with just the skills you need to propel your congressional career. Ralph Becker Founder, Ivy College Prep LLC -------------------------------------- 카톨릭 대학들에 대한 고려
  • 국회에서의 영향력 증가
  • 카톨릭 대학의 종류들
  • 명문 예수교 대학들
유망한 대학을 찾을 때, 보통 주립대학들이나 명문 사립대학들(Duke, Haverford, Stanford, 아이비 대학들)을 고려한다.  한편, 어떤 학생들은 카톨릭 대학들에 매력을 느낀다.  왜냐면, 전국적으로 180 개가 흩어져 있으며, 다니고 싶은 좋은 대학들도 꽤 많기 때문이다.  이런 대학들을 리스트에서 조사하는 것도 유익하다 ( 카톨릭 대학들의 분야는 여러 계열에 따라 다양하다: Augustinian (Villanova University, PA); Diocesan (Seton Hall, NJ; University of Dallas); Dominican (Providence University); Congregation of Holy Cross (University of Notre Dame); and Vincentian (St. John’s University of New York).  또한 예수교 대학 연합에 속하는 28개의 대학들이 있다( 예수교 연합회장인 Charles Currie 신부는 111대 국회위원의 10%가 15개의 예수교 대학 출신이라고 밝혔다(110대 국회에서는 54명이었고, 현재 52명도 작은 숫자가 아니다).  이 중에서 18명은 Georgetown 대학 출신으로 이 대학은 국회의사당에서 4마일 떨어져 있다.  Boston 대학 출신이 7명, 다음으로College of Holy Cross (Worcester, MA), and Fordham University (Bronx, New York)  대학들이 각 4명씩 배출하였다.  만약 여러분이 정치적으로 일하고 싶다면, 이런 예수교 대학들을 당연히 고려해 보아야 한다. Georgetown 대학은 DC 가 생기기도 전인 1789년에 세워진 가장 오래된 카톨릭 대학이다.  4개의 학부 대학(liberal arts and sciences, Foreign Service, business, and nursing and health sciences)을 갖고 있다.  가장 인기있는 학과는 역사학과와 정치학과이며, 다음으로 철학, 언어학과이다.  Georgetown은 법학자, 국회의원, 상원의원, 대통령을 키워 낸 대학이다. Boston교외 2마일 밖에 Chestnut Hill과  Newton에 캠퍼스를 갖고 있는 명문 예수교 대학으로  Boston College가 있다.  이 대학은 원래 아일랜드 이민자들을 가르치게 위해 세워진 대학이다.  이 대학은 작문 능숙도를 위해 Core curriculum 과 함께 모든 신입생에게 writing workshop을 수강하도록 한다.  900명의 교직원 중에서 60명이 예수교 교인이다; 이들은 철학, 신학, 윤리학 강의를 통해 영향력을 발휘하고 있다.  70%의 학생들이 교인이지만, 대학의 분위기는 자유롭다.  이 대학은 경제학, 역사학, 생물학, 화학, 물리학과 영어학과가 강하다. College of Holy Cross는 수목원으로 등록된 174에이크의 캠퍼스를 갖고 있다.  다른 예수교 대학들과 같이 전공에 상관없이 철학을 부전공으로 택하게 했었다.  이제 더 이상은 적용되지 않지만, 이 대학은 독특한 First Year Program을 실시하며, 신입생의 25%가 가입한다.  이 프로그램은 분석적인 읽기와 작문 기능 습득을 위한 세미나로 구성되어 있다.  생물학, 역사학, 경제학이 강한 대학이다. St. Patrick’s Cathedral과 American parochial system을 만든 Dagger Hughes에 의해 1841년에 세워진 Fordham University 가 있다.  Jesuit University of New York로 알려진 Fordham 대학은 4곳에 캠퍼스를 갖고 있으며, 본교는Bronx의 Rose Hill에 있다.  가장 강한 학과는 business, International Political Economy이며, Broadway와 가까이 있으면서 theatre 학과가 강하다. 예수교 대학들은 미국 고등교육의 중요한 부분을 차지하고 있다.  어떤 학생들은 이 대학들의 종교적인 색채로 멀게 생각하지만, 이 대학들이 인문과학의 좋은 기초를 제공하며, 세상에 잘 맞는 느낌이 든다.  관심을 가져 본다면, 여러분의 국회진출을 촉진할 수 잇는 기술을 여기에서 익힐 수 있을 것이다.