Three Things You May Not Have Considered about Choosing a College

With a master’s in economics from the University of Missouri, Michael Berlau serves as a college solutions specialist with College Funding and Planning in Overland Park, Kansas. Michael Berlau assists students and their families in all aspects of college planning, including how to calculate the Expected Family Contribution and how to ensure students attend the college best suited for them.

When choosing a college, students typically consider factors such as the rankings and reputation of the institution and how much it costs to attend. The following are three important yet often-overlooked factors to think about when selecting a college.

1. Academic assistance. Some academic institutions offer students remedial courses and tutoring in subjects such as English and math when extra educational support is needed. Students who have benefited from help outside of the normal classroom curriculum should determine whether their prospective institutions offer these types of additional learning programs.

2. Safety on campus. Every college is required by law to publish an annual crime statistics report. This report details the incidence of assaults, burglaries, and all other serious crimes taking place on campus. Before selecting a college, prospective students should review these statistics and learn what safety prevention measures are in place to protect those on campus. 

3. Extracurricular programs. Students interested in participating in a non-academic activity should contact each institution to learn about related groups, committees, and teams. Involvement in certain activities may be competitive, but extracurriculars are ideal for developing and showcasing skills in areas such as leadership and can be valuable for finding a job post-graduation.

An Overview of the Expected Family Contribution

Since 2008, Michael Berlau has served as the owner of College Funding and Planning, a Kansas-based consulting firm that specializes in college planning solutions. A graduate of the University of Missouri, Michael Berlau has received numerous accolades that include the "Top Industry Advisor in the Midwest" by the College Planning Network for his college planning advice. In addition to facilitating public workshops, Mr. Berlau publishes informational videos on YouTube that address topics such as the pros and cons of public and private institutions and how to lower your Expected Family Contribution (EFC). 

The EFC governs whether a student is eligible for federal financial aid in the form of Pell Grants, Stafford Loans, Perkins Loans, work study programs, and FSEOG grants. The EFC is calculated via a formula designed to assess the ability of families to fund a college education. 

The EFC formula is affected not only by the expected contribution of parents, but also the expected contribution of students. To determine these values, data elements from the Free Application for Student Aid (FAFSA) are utilized. These include assets, income, allowances, and net worth, among others. Once the EFC is determined, school administrators subtract it from a university’s cost of attendance to produce a financial aid amount. A financial aid package can then be offered to prospective students.

Tips for Creating a Strong College Essay

Michael Berlau, a college solutions specialist with College Funding and Planning, has guided numerous students and their families through the admissions process. Michael Berlau offers advice on all aspects of college application and entry, including the personal essay.

For students applying to selective colleges and universities, a personal statement or essay is a mandatory part of the application. While it may not be the highest-valued part of the application, it may be a deciding factor between two students with similar credentials.

The essay allows students to communicate who they are on a personal level and share experiences that a transcript cannot cover. For this reason, a strong essay addresses an experience that is or was genuinely meaningful for the student. It includes not only the facts of the situation but also a reflection on how the experience has impacted the student's life, as this shows the school that the student is both self-aware and open to growth.

Experts say that the writing style of the essay should reflect the student's unique voice. This means de-prioritizing advanced vocabulary in favor of language that communicates passion and personality; it also means clearly communicating who the applicant really is, and what they can bring to the university community.

To be sure the essay conveys all of this succinctly, the student may wish to write more than one draft. This is not to say, however, that the student should re-read and revise the essay ad nauseam. Once it is clear and rich with personality, as well as strong in its grammar and usage, the student can rest and submit it with confidence.

529 Strategies - Prepaid Tuition vs. College Savings Plans

As a college solutions specialist with College Funding and Planning in Overland Park, Kansas, Michael Berlau assists families with applying to and paying for college. Michael Berlau draws on a detailed knowledge of college savings vehicles to help families determine the best way of making education both affordable and tax-efficient.

For families who expect to be sending a child or children to college, the 529 plan serves as a tax-advantaged savings vehicle. The plan is available to any US resident or citizen who is 18 years of age or older and is most often used to save for a younger child's education, although it is possible for the account holder to save for his or her own college costs as well.

Each US state and the District of Columbia sponsors at least one 529 plan, while a large number of institutions have their own prepaid tuition plans. The prepaid plans allow an account holder to purchase tuition or fee credits at current prices, to be used in the future. Most such plans feature state sponsors and some may be guaranteed by state governments, though some do not offer a guarantee.

College savings plans also feature sponsorship by the state and are not backed by state guarantees. These plans take contributions from the account holder and place them into investment vehicles, most often chosen by the saver. There are also a number of plans that channel assets into static funds or select investment vehicles based on the beneficiary's age, so that investments become more conservative as the beneficiary moves toward college age.

Like prepaid plans, college savings plans feature state sponsorship but do not guarantee contributions. However, investments in protected bank products may include FDIC insurance.

Good Sources for College Recommendations

Since 2008, Michael Berlau has served as a college solutions specialist with Kansas-based company College Funding and Planning. Michael Berlau helps students and their parents to understand the strategies involved in applying to college, a process that often requires the submission of recommendations.

One of a student's best networking resources is teachers. A teacher can write a personalized recommendation letter and give colleges a sense of your abilities, interests, and personality as a student. Experts recommend asking core academic teachers you had as an upperclassman or teachers you have had throughout your high school career. These instructors are most likely to know you well enough to speak not only of how well you do in class, but how you think and work with material.

Taking the time to network with a school principal can be an even more effective time investment, as a principal's letter can have even more influence over admissions deciders. These kinds of connections do take time, as the principal needs to get to know you well enough to speak about you in detail.

Employers may also be able to give colleges an idea of you as a person outside of school. If you can work well with others, have a strong work ethic, and/or have shown good character in your place of employment, your boss's testimonial can help you to stand out. The same is true for civic or religious leaders who know you well as a person, as well as for adults you know who have connections at a particular college or in the field you wish to study, provided that the person in question has known you for long enough to have a strong sense of who you are and what you can do.