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When are the 2012 SAT test dates?

The SAT is offered 7 times a year. You should be familiar with the college application deadlines for the schools you will be applying to and decide which SAT test date to register for. Most students will take the SAT the spring of their junior year and some will take the test again, or the first time, the fall of their senior year. Make use of SAT test prep to help familiarize yourself with the SAT before test day by knowing the SAT test structure and content tested.

2012 SAT test dates:

Exam Date:          Register By:            Late Registration:

1/28/2012              12/30/2011                  1/11/2012

3/10/2012              02/10/2012                  2/22/2012

5/05/2012              4/06/2012                   4/18/2012

6/02/2012              5/08/2012                   5/16/2012

TBD                            TBD                            TBD

TBD                            TBD                            TBD

TBD                            TBD                            TBD

Check out this SAT Identifying Sentence Errors question. Good luck!

Register to take the SAT at collegeboard.org

When is the ACT offered in 2012?

The ACT is offered 6 times a year in most states. Before you schedule your ACT test you should be aware of the college application deadlines and what it means for rolling admissions and early action deadlines. You should give yourself enough time for ACT test prep to give you the best advantage in achieving the highest ACT score possible.

2012 ACT test dates:

Exam Date:          Register By:            Late Registration:

*2/11/2012             1/13/2012                   1/20/2012

4/14/2012              3/09/2012                   3/23/2012

6/09/2012              5/04/2012                   5/18/2012

9/08/2012                  TBD                            TBD

10/27/2012                TBD                            TBD

12/08/2012                TBD                            TBD

Test your ACT skills by answering this ACT reading question. Good luck!

* Note: There will be no ACT test offered in New York for the February test date.

Register to take the ACT at act.org

When is the ACT offered in 2011?

The ACT is offered 6 times a year in most states. Before you schedule your ACT test you should be aware of the college application deadlines and what it means for rolling admissions and early action deadlines. You should give yourself enough time for ACT test prep to give you the best advantage in achieving the highest ACT score possible.

2011 ACT test dates:

Exam Date:          Register By:            Late Registration:

*2/12/2011             1/07/2011                   1/21/2011

4/09/2011              3/04/2011                   3/18/2011

6/11/2011              5/06/2011                   5/20/2011

9/10/2011              8/12/2011                   8/26/2011

10/22/2011            9/16/2011                   9/30/2011

12/10/2011           11/04/2011                 11/18/2011

 

Check out this ACT science question for practice! Good luck!

* Note: There will be no ACT test offered in New York for the February test date.

Register to take the ACT at act.org and if you have any questions on ACT test dates, registration, and college admissions please feel free to leave a comment!

A Beginner’s Guide to Financial Aid Part I

As most parents and students are aware, if you need money to go to college then you deal with the financial aid department. These are the people that are in charge of awarding grants, scholarships, student loans, and work-study packages. Figuring out how the college determines who gets money and who doesn’t can often times seem tricky, so let’s try to look at this process in as simple a format as possible.

Now, the concept is that financial aid goes to those families who need it the most. To determine this, colleges use two factors: Cost of Attendance (COA) and Estimated Family Contribution (EFC). Then, the financial aid department uses a simple formula: COA – EFC = NEED.

Your COA is pretty straightforward. It is the cost of tuition, room & board, books, fees, transportation, and an allowance for miscellaneous fees. The COA at a college can change every year, so financial aid is recalculated every year. Remember to include all of the items I just mentioned in your budget, since that is exactly what the college is doing when figuring out your financial aid. If you forget to factor in the cost of textbooks, you may not have enough money when you head off to college in the fall.

Your EFC is a bit more complicated because the college is trying to determine how much money they think your family can afford to spend on college. Unfortunately, your EFC is never going to be as low as you would prefer (unless of course it’s $0), but it is important to know what factors impact your EFC. There are many different things that go into the calculation of your EFC, but four of the biggest influences are Parent Income, Parent Assets, Student Income, and Student Assets. We will cover all of these in more detail in future blogs, so stay tuned as we continue the posts. Other factors that can influence your EFC include the number of family members in your household, the number of students in college at the same time, the ages of each family member, and even what state you live in. If this seems complicated, plenty of other families are thinking the same thing. Much like how a CPA can help you with your taxes, a good college advisor should be able to help you understand your EFC.

The last step in the process is to determine your NEED. This is high much financial aid you may be eligible for. Let’s say for example that your college has a COA of $50,000 and your EFC is $20,000. This means your NEED is $30,000 ($50K-$20K=$30K). Now, does this mean that you’re going to get a $30,000 scholarship? Not usually. Most colleges will award you some combination of grants/scholarships (free money) and work-study/student loans (self help). Keep in mind that money you receive based on this formula is called “Need-Based Aid”. Scholarships that you get for having a really high GPA or good SAT scores are called “Merit-Based” and are awarded based on separate criteria. Even if your EFC is higher than a college’s COA, you could still receive “Merit-Based” aid (so study hard!)

Next time we’ll talk about your EFC in more detail and explore the fact that there are 2 possible EFC formulas a college could use, each with a different set of questions.

About the author: Justin Munio is a Business Development Manager and Financial Aid Consultant with College Planning Strategies, LLC. With a degree in mathematics from SUNY Geneseo and over 3 years working in the CPS Financial Aid Department, Justin is at the forefront of the financial aid process for the families of CPS and the Toolkit.

About Smart Track™ Toolkit: The toolkit is a web based service that assists families with everything from admissions and test prep, to student athletics and financial aid. Our intuitive software and on-demand workshops are key components to making sure students find their top choice colleges, and families can afford to send them there.

Unigo’s Expert Network – Experts answering your questions

The Unigo Expert Network is a group of top education experts from across the US answering questions submitted by students and parents about college admissions and succeeding after high school.

 

In your experience, what are three of the most accepted or exaggerated myths in the college admissions process?”—Donald J., Park City, UT

A: What you’ve heard about essays may not be accurate

Students often misunderstand the purpose of long and short statements they must write for many applications. The longer personal statement (the essay) is not a textbook expository essay. It is a personal narrative meant to show who you are, as well as how well you express yourself. The shorter statements individual colleges ask for may be at least as important. These questions are meant to gauge how well you know the school as well as your level of interest. That’s why writing about College X when you are applying to College Y (yes, it does happen) can sink an application.

-        Nola Lynch– Owner – Northwest College Search

A: Do activities that suit you, write about everyday life, and reveal disabilities

Two common myths assume that colleges have predetermined ideas on how students should spend their time: that you must have a noteworthy summer activity to be considered by highly selective colleges and have something unusual or extraordinary to write about in essays. Actually, the best personal statements reflect a slice of everyday life. Some of my favorites this year have included reflections on: a bus ride, an electronics show, and an acting class. Also, students and parents often feel that disabilities shouldn’t be revealed in applications, but this information is valuable in understanding a transcript or how students have worked through challenges.

-        Patti Demoff— Co-Founder – College Circuit

A: Don’t let bad information interfere with finding a good match

Everyone exclaims about the extreme selectivity of colleges, so people begin to think most colleges are ultra-selective.  But by far, most colleges admit more than 50% of their applicants.  Another myth is that if colleges don’t have a well-known name, they must not be of good quality.  In fact, there are thousands of fine colleges–places that aren’t always in the news–that make a good match for thousands of students.  Incorrectly, many students have the impression that small colleges are boring.  Check out the wide variety of opportunities and you’ll be surprised how interesting they can be!

-        Janet Elfers— Senior Class Counselor – Mariemont High School

Don’t miss answers by the Director of Admissions at University of Washington, and more – at www.unigo.com/expertnetwork.  To send your question to our experts, visit www.unigo.com/expertquestions

Unigo’s Expert Network – Experts anwering your questions

The Unigo Expert Network is a group of top education experts from across the US answering questions submitted by students and parents about college admissions and succeeding after high school.

 

In your experience, what are three of the most significant and avoidable mistakes students make throughout the admissions process?”—Elizabeth R., Omaha, NE.

A: Procrastination, presumptuousness, and passivity often doom college applications

The three Ps often spoil students’ college applications.  Procrastination: students who wait until the last minute and only spend a couple days—if that—on their application essays and short answer responses regularly produce far weaker applications, and thus receive a disproportionate percentage of the rejection letters. Presumptuousness: Students who approach their essays and short answer responses like they do an English paper are displaying overconfidence because writing for the college application requires a completely different style of writing than for a school assignment.  Passivity: Finally, meekness when communicating about extracurricular accomplishments is another common recipe for rejection.

-       Craig Meister–President – Tactical College Consulting

A: Getting to know you: getting to know about you

On her campus tour, Lisa saw that her tour guide was not wearing any shoes—neither were hundreds of other kids on campus—as the students were sharing their passion for a particular injustice in the world. Lisa asked more questions on the tour and during her interview and later back home, wrote about amazing connections between her and the campus. Students often don’t spend enough time getting to know the colleges on their lists. Many colleges count demonstrated interest and even have college specific questions on their college applications. Students need to learn much as possible about colleges. Lisa did and the college agreed.

-       Rebecca Joseph—Executive Director & Founder – Get Me To College

A: Don’t procrastinate and respect the details

Procrastination has accelerated over the past decade as the electronic age has empowered applicants to leave everything to the last minute. Students don’t allow for time zone differences, Internet service outages, server crashes because of the sheer volume of last minute applications, or the failure of their own computer at the last and critical moment.  At the same time, a lack of attention to detail such as spelling and grammar or the all too familiar application to one college but mistakenly identifying the name of another college the student is applying to is just sloppy and inexcusable.

-       Peter Brass—Founder – Director of Student Services & University Advisor – St. John’s Ravenscourt School

Don’t miss answers by the Director of Admissions at St. Lawrence University, and more – at www.unigo.com/expertnetwork.  To send your question to our experts, visit www.unigo.com/expertquestions

College Admissions Strategies

1Getting into college is a nerve-wracking task. Even after you fill out a lengthy application, have the admissions interview, and wait patiently until April, there still exists the possibility of not getting in. Not to mention that you have to continue to go to school and do well enough that college admissions officers do not raise an eyebrow when they receive your second-semester transcript. There are certain strategies, though, to make life easier for you, and hopefully to make you more likely to get into your college of choice.

Spread out the colleges. College counselors will tell you to pick three types of schools, safeties, reaches, and the in-between. Safeties are schools that are not overly competitive and that you have a good chance of getting into with your grades and standardized tests. Reaches are schools that are competitive and that may accept students with higher scores and grade points. The in-between is everything else; the schools you feel comfortable applying to, but would not be let down if you were rejected. Applying to a good mix of each is a pretty safe strategy. With the online Common Application, it is much easier to send out your documents to many schools—all through the click of a button and the payment of a small fee. Take advantage of the digital age and spread out your college choices. Trust me, you will feel much better in April.

Early decision. Schools provide this option, which allows you to apply early (October) and hear back before the end of the year. Most times, you can only apply early decision to one school, so pick wisely. You will have to commit to the school if accepted. Because schools know that you will matriculate if chosen, the acceptance rate for this round is significantly higher—sometimes by twenty percent or more. If you care about a school (perhaps your reach), this is a way to show your devotion. During the past couple of years, colleges have been scaling back on this option, so it is a good idea to get your application in before colleges entirely forego this route.

Early Action. This option is like early decision, except in most cases, the admissions result is non-binding. You can find out earlier, but you do not have to attend if chosen. Further, many schools are very clear that you can only apply early action to their school, like Yale. Other schools, such as Georgetown University, are not as strict.

Rolling Admissions. Many schools offer the option to apply as early as August or September and hear back in a few months instead of next year. This is a wise idea for those early-birds who know exactly where they want to go. If you apply early enough, your application will be that much more competitive. I applied to the University of Michigan in September of my senior year and heard back (positively) in October. I knew that if I handed in my application at the end of the cycle, I would be up against more applications and more competition, so getting the app in early was important to me.

The Waitlist. If you happen to hear back from your college of choice and they have put you on the waitlist, please do not fret. This is not the same as a rejection. You can still attend this college. Of course, the reality is they could have several hundred on the waitlist, all of whom are eventually accepted, or two and they accept one. You may never know. It is best to believe that the school is literally waiting for you. Show them you care: write a letter saying you are still interested, call the school periodically and ask about the status of your application, knit a sweater with the college’s logo on it. Basically, do anything to show that you are still interested short of disguising yourself as a student and attending classes. The admissions office is much more likely to accept someone excited about their college. Remember, the waitlist means you are accepted, the college just has to find the space. Sometimes, all it takes is waiting the school out. If an accepted student drops out in August, you still have a chance. Make sure they know that you are still interested, even after April.

Applying to College: Part Three – Applying for Financial Aid

2Just like your applications process, a key thing to remember about the scholarship process is to stay organized. When you find a scholarship that you feel competitive for mark its due date on your wall calendar. Create a folder for it and aim to have it complete a week before its official due date.

When you get your financial aid package from your school of choice, don’t start crying. Think of it as an opening bid in a negotiation. Your financial aid package is at the discretion of a few people who genuinely want to help you attend their institution. Don’t be afraid to contact them and explain your financial situation. In the meantime, let’s look at how you can bring in some cash!

Find Scholarships That Fit You

There is no shortage of scholarships out there. They range from the incredibly prestigious with hefty gift amounts (the Coca-Cola Scholars Program gives out up to $20,000 for example) to the downright silly. There are scholarships at the local, state and national level. It will take awhile to find ones that are worth your time but online research is a great place to start. I recommend College Board’s Scholarship Search (http://apps.collegeboard.com/cbsearch_ss/welcome.jsp) and Fast Web (www.fastweb.com). Both sites offer searchable databases of scholarships which will help match scholarships to your online profile.

Consider looking for scholarships based on your gender, race, religion and field of study. Pay attention to see if the scholarship money is awarded directly to the recipients or if it is sent to the school of your choice. Many schools will decrease their financial aid packages proportionally with the amount of outside scholarship you receive. Call your schools and see what their policies are – will they decrease the amount of loans first before they take away some of your grant money? Here is where having a friend in the Application Office can come in handy – get a referral to someone in the Financial Aid department you can call and ask!

FAFSA/CSS Profile

The Free Application for Federal Student Aid (known as the FAFSA) is a requirement for most schools to process a Financial Aid Application. The application is available after January 1st of each year online (http://www.fafsa.ed.gov/). Your parents may need to estimate their income for the rest of the fiscal year, so give them plenty of notice to gather the information they’ll need to give you the right numbers.

You may also need to fill out the CSS Profile (https://profileonline.collegeboard.com/prf/index.jsp). CSS is short for the College Scholarship Service Profile and it is more detailed than the FAFSA. If you are applying to schools for Early Decision you will most likely have to fill out the CSS Profile since the FAFSA is not available until the New Year.

Types of Loans

In addition to any grant money you can win through scholarships or through Pell Grants (also a great source of extra money to explore), you can expect that part of your financial aid package will involve loans.

Federal loans are usually the best way to go since they can offer deferment of interest and a lower rate than most banks. Here are the ones you’ll need to know about:

Federal Stafford Loans – These are awarded based on financial need and there are three kinds to choose from:

Subsidized – This type of loan means that the government will pay the interest on it while the student is enrolled.

Unsubsidized – For students who don’t qualify for subsidized loans, unsubsidized loans require the student to be responsible for the entire amount of interest.

Additional Unsubsidized – These loans are for independent students, as determined by Federal guidelines. Students become eligible if their parents are denied a PLUS loan (for having bad credit, for example).

PLUS Loans – These are low-interest loans for the parents of students who qualify based on financial need – repayment is required upon graduation or completion of the loan.

Federal Perkins Loans – These loans are for students with extreme financial need. Usually they do not accrue interest for 9 months after graduation and have extremely low interest rates.

In addition to grants and loans, your school may offer work-study as part of your financial aid. This involves working a minimum numbers of hours a week on-campus tax-free.

Get Supplemental Info Ready to Go

Many of the items you’ll need for scholarships you will already be obtaining anyway for your college applications. These can include transcripts, resumes, and personal statements. Make sure you have plenty of copies at your disposal so that you won’t run out and have to scramble to meet deadlines. You may also be required to submit your parents’ tax return for the previous fiscal year, so ask them to make copies of that for you as well.

While the application process will be over for you in January, applying for financial aid is an on-going process that will take you well into the spring. Try not to get discouraged if you apply for 50 scholarships and only get a few. Stay positive and motivated and keep putting that extra effort into your applications. Remember – free money is out there with your name on it! You just have to go and get it.

Applying to College: Part Two – Managing the Process

So you’ve got your list of “safety,” “match” and “reach” schools and you’ve done your homework on each program and campus, now what? To effectively handle the entire process of filling out applications, there are a few things you’ll need to keep in mind.

Get organized!    12

It may sound obvious, but even the most organized student can get overwhelmed by the amount of papers flying about so you’ll have to work extra hard to stay on top of all of the deadlines. I recommend going to Office Max or Staples and purchasing a dry-erase school-year calendar. Put it on your bedroom wall and immediately fill in all of the application due dates. Let’s say you are applying to 8 schools. Don’t expect to fill out each application a week before they’re due. Give yourself at least a week to complete each one. That means for 8 apps, you should be getting starting with the applications a minimum of two months before the due dates. This will give you plenty of time to get your supplemental information (transcripts, letters of recommendation, resumes, etc.) in order. You don’t want to rush yourself.

For the physical applications, create a file folder labeled with each school’s name and keep them together in a file box. Many students also make a checklist for each of the application’s components and attach them to the front of each application with a paperclip. As you add a transcript or a personal essay to each application, check it off and note what else needs to be completed.

Give yourself a person due date for each application. Aim to have each fully completed one-two weeks before the actual due date. This is will give you plenty of time to re-read each piece of information for errors before you submit the final application. Photocopy the entire application before you mail it and when you go to the post office, make sure to send it by certified mail so you can get confirmation that it was delivered.

I applied to 13 schools as an undergrad and somehow managed to keep all of the applications organized – if I can do it, so can you!

Getting Letters of Rec

Many students feel shy or embarrassed about asking for letters of recommendation but it’s important to remember that your teachers are there to help and support your dreams. If anything, they should feel flattered that you’re asking!

Check to see what the requirements are for the letters of rec. Usually teachers are preferred but sometimes counselors, community leaders or family friends are acceptable. Obviously you want to choose the people who know you best, but there are ways you can help your recommender write the best possible letter.

When asking, check to see what information your teacher would like to aid them in writing. If you can, provide them with copies of your resume, personal statement and transcript. Explain to them why you are applying to each specific school and how you’d like to come across to the admissions department. Give them a deadline for the letter but try and give them at least 3-4 weeks to write it – they’ll probably have lots of others to write as well). When they complete it, make sure to give them a thank-you card and keep them posted in the spring on the status of your applications.

The Personal Statement

Keep in mind is that you will be writing more than one statement, so it’s important to keep a folder on your computer desktop with each school’s essay clearly titled. As you print off drafts label them ‘Draft #1’, ‘Draft#2’, etc. You will probably be able to recycle the same 2 or 3 essays to fit each school’s prompt, but it’s important to get started early. You don’t want to wait until the week before and then write something slapdash. The personal statement should be the first thing you start working on when you print your application since it will take much time to draft and revise.

The prompts are often incredibly open-ended and generic, so it’s important to be as specific as possible in your writing. Think about the experiences you’ve had in your life, especially those times where you’ve experienced great personal growth. Think about your statement as less of an “essay” and more of a “story.” Read short stories by great writers such as Ernest Hemingway, Katherine Mansfield, and John Cheever. Pay attention to how they draw a reader into an entire world in only a few short pages. Obviously your statement won’t be a work of fiction, but it doesn’t have to be boring! Find something to inspire you – www.npr.org has great short news pieces on people’s lives all around the world. Think of your statement as an opportunity to write a report on the significant people in your life.

Give your drafts to family, friends and teachers for feedback and comments. Don’t take anything personally; be open to their suggestions but stay true to yourself. Ask your readers, “How does the person who wrote this come across?” You want to use experiences from your life to illustrate that you are a mature, intelligent, sensitive individual who is ready to take on the challenges and opportunities of university-life, but the illustration aspect of the essay in important. As my high school English teacher, Mr. Lawrence, used to say, “Show them! Don’t tell.”

As you work through your applications, don’t be afraid to contact the Admission Department at the various schools. If you met an admission counselor at your school’s open house or at a local info session, ask for their business card and follow up with them. Ask them if there is anything you can add to your application to set yourself apart; keep them posted on your progress through e-mail. Making a friend in the Admissions Office can really help you out in the long run if your application ends up on the waiting list. Don’t be obnoxious, but show your eagerness. Schools want to admit students who want them.

Applying to College: Part One – Selecting Schools

5Applying to college can be a daunting process, but it is also an incredibly exciting time. Attending university is an experience that will shape the rest of your life so it’s important to put some serious thought and consideration into your application choices. Let’s focus on what you should take into consideration when choosing where to apply.

What’s Your Major?

You’ll be asked this question hundreds of times when you first arrive as a freshman on campus, and even if you are undecided (many students are at this point) or plan on going in Undeclared, it’s a good idea to make a list of 3-4 majors you are seriously considering. If you’re flip-flopping between Broadcast Journalism and Film Studies, it would be wise to focus on schools that have solid programs in both fields. Transferring is always an option but it’s a lot easier to switch departments than to switch universities, and you don’t want to find yourself having to repeat this same application process in two years.

If you are hoping to be recruited to play sports for a specific school, you will need to be registered with the NCAA Initial Eligibility Clearinghouse. Talk to your coach and find out when recruiters are coming to visit. Follow up with a personal letter explaining your desire to play for them!

Location. Location. Location.

For many students, college is an opportunity to see the world. For others, they’d prefer to stay near family and friends at home. What kind of person are you? If you know you’d like to be close to a big city, focus your research on schools in urban areas like New York, Los Angeles and Chicago. For other students, a smaller liberal-arts school in a less densely-populated area is ideal. In-state tuition can often be less expensive, so if money-hurdles are a concern, then perhaps sending away for applications for schools thousands of miles away isn’t the best idea. If possible, try to plan school visits. There is only so much you can learn about a school from a magazine or Google Earth. Eventually, you’ll need to see it in the flesh. If you can, contact the schools individually and find out about their campus tour schedules. When you go on the tour, ask questions and take notes!

Strategize!

Applying for college can be a bit like gambling in a casino. To ensure that you “win” (i.e. get into at least one good school), it’s important to divide the schools into three categories: ‘Safety’, ‘Match’, and ‘Reach’.

A “safety” school is one that you wouldn’t mind attending but that you are reasonably certain that you’ll be able to get into (research the average GPA and SAT scores of recent incoming freshman to help you figure out which category to place each university). Your scores and grades should be above the average.

A “match” school is one whose statistics on its incoming freshman relatively match your own. You can reasonably expect to get in to a few of your “match” schools, although don’t be disappointed if you are rejected from a few others.

A “reach” school is one that you would love to attend, but that your statistics are a bit lower than the average incoming freshman. These schools are long-shots, but that’s part of the fun. Who knows – you could be accepted!

One final thing to consider is Early Decision or Early Action. If there is one school in your “reach” category that you dream of attending more than any other, you may want to look into whether or not they have an early-admission option on their application. Typically, these applications are due a little earlier and in exchange students are notified by January. Essentially, if you are accepted you automatically agree to attend.

Application Fees

We all know that paying for college can be expensive, but keep in mind that each application will have an accompanying fee as well. The University of California school system, for example, costs $60 for each school – many private schools charge more. You’ll need to create an application budget. Talk to your parents about what they can afford to spend and ask your college counselor for advice as well.

According to College Board’s website, if you’ve participated in the SAT Program Fee-Waiver Service, you may also be eligible to waive application fees at the colleges to which you’re applying. Check out collegeboard.com for a directory of participating schools.

Schools, like people, have personalities. There’s a huge difference between Middlebury and NYU. Schools have reputations for a reason – they aren’t always true, but it’s important to understand what you might be potentially getting yourself into. Ask yourself the big questions: Does a ‘name’ school matter to me? Do I want more focused one-on-one attention from my professors? Do I want to join a sorority/fraternity? Even if you don’t know all of the answers, you’ll want to do plenty of research now so that you will genuinely love your program, campus and community.