Rising Student Loan Delinquency

Student loans can help fund college expenses, yet create a future financial burden for students when in repayment.  Currently, the total of student loans 90 days or more delinquent is at a record high of $124.3 billion – an increase of more than $3 Billion since last quarter.  Possible reason for the delinquency can include the growing underemployment rates for…

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Ahead of the Curve: October 23, 2013

From the news: Overscheduled Children: How Big a Problem, New York Times October 11, 2013 #PSAT — Students Tweet Amusing Reactions to Standardized Test, Washington Post October 16, 2013 Higher Price Pays Way Into Some College Classes, San Francisco Chronicle October 16, 2013 Army Realigns Reserve Officer Training Program, U.S. Army October 2, 2013 From our clients: “ARRRGH! I don’t…

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Ahead of the Curve: October 5, 2013

In the News: Financial Literacy, Beyond the Classroom New York Times: October 5, 2013 How to Be a College ‘Resimuter‘ Washington Post: October 2, 2013 UC’s Twist on Crowdfunding Inspires Students San Francisco Chronicle: September 18, 2013 From Our Clients: Quarter Grades/Midterms–conversations with teachers to identify academic areas for improvement, as well as what the student is doing well, can help…

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What is Financial Aid?

After talking with 200 parents and students yesterday evening at a local Sacramento area College Fair about financial aid, I wanted to offer additional advice, as families continue working to fund rising college expenses. Then, the general sense of nervous anticipation about the expense of college amongst last night’s group can be used to fuel each family’s planning efforts. Financial…

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A Growing Gap: Rising College Tuition vs. Income

The value of college may not be reflected in the cost of college.  However, the media attention to average student debt and annually rising college costs can mask the value of college.  In addition, when the average costs of goods and services (i.e. inflation) is greater than the average rise in earnings for 99% of Americans since 2009, the costs of…

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Salary: Only One Measure of A College’s Worth

“To get a good job,” is an oft heard reason why a student is headed to college, usually stated while their parents nod vigorously in the background.  A recent New York Times article–New Metric for Colleges: Graduates’ Salaries–discusses the merits of using a college graduate’s average earnings as a measure of a campus’ value, which is further illuminated with our…

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More College Admissions 101

Additional insights to answer the complex questions Hewlett Packard employees asked during our second College Admissions and Financial Aid Brown Bag Lunch, since we were limited in our discussion time last week.  Each topic is bolded, with the details listed below: College Application Essays The autobiographical college application essays are a meaningful part of any application, as one of the…

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College Admissions & Financial Aid 101: The Expanded Edition

After facilitating a lively Brown Bag Lunch discussion at Hewlett Packard in Roseville, CA called, “College Admissions & Financial Aid 101”, I wanted to l expand on a few answers, as well as offer additional tips for families: About the information college’s review in applications during admissions decision making:   The four main areas of information considered when determining college…

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Choosing Harvard: Thoughts About a “Prestigious” University

As Juniors and their families begin sizing up prospective colleges for application and weighing the value of a college’s reputation, I thought I’d share I came to be a Harvard graduate, along with thoughts about a recent New York Times article, Measuring College Prestige vs. Cost of Enrollment.  Quotes from the New York Times article will be followed by my experience…

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More 25 Year Olds Have Student Debt…And At Higher Average Amounts

As seen in the chart below, the red line indicates that the portion of 25-year olds with student debt has grown from 25% in 2003 to 43% in 2012–meaning an increasing portion of young adults are choosing to “bring forward” expected future earnings to pay for a college degree. Furthermore, the black line on the chart shows that not only is…

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