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Grad apps, Step 8: Apply for financial aid and scholarships.

Applying for financial aid.

8 of 8 in a series


Let’s be realistic: grad school ain’t cheap.

Now that you’ve completed the applications for admission at each of your schools and programs, you’re almost done. You’ll still need to pay for school, and in order to obtain scholarships and loans, schools require you to submit financial aid applications.

Step 8: Apply for financial aid and scholarships.

In order to apply for financial aid, you’ll need a massive stack of information. Perhaps most crucial in that stack of information: your taxes.

Gather all required application forms and information from each school’s website or other information provided to applicants.

Even if you haven’t heard anything from the programs you’ve applied to, go ahead and submit a financial aid application. Don’t wait for your decisions to start rolling in. In fact, most schools will tell you not to do so. Be sure to find all instructions and deadlines. You should have marked these dates on your application calendars a while back and you should have printed out all the required information and placed it into your application file box. Retrieve all that information now so you can complete the final step.

Retrieve or complete your current year’s tax returns.

In order to complete the FAFSA (Free Application for Federal Student Aid), you’ll need your tax information (and possibly your parents’ info, too). While it’s not 100% necessary to actually file your taxes, you’ll need information that essentially requires you to complete them, so why not submit them? Generally, if you’re under age 30, you’ll also need your parents’ tax information, too. Check with the schools to which you’ve applied to find out if parental information is required; requirements vary from school to school.

Complete a FAFSA.

Virtually all schools require the submission of the Free Application for Federal Student Aid (FAFSA). Your FAFSA is used to determine any need-based grants and your loan awards. New forms are available each year starting January 1st. Get started as soon as possible, as many schools’ deadline is as early as March 1st.

You’ll need the school codes for each program to which you’ve applied. Codes can be retrieved from each program’s website or you can search for a school/program by name and location as you complete the FAFSA online at http://www.fafsa.ed.gov/.

Complete any required school-specific forms.

Some schools have a separate financial aid application you’ll need to complete, and this application is often available online or will be sent along with admissions information. If you haven’t found anything yet, make a call to the financial aid office to find out if there’s anything you should be completing and sending their way.

Apply for every possible scholarship!

Schools and private organizations often offer scholarships ranging from one-time $500 awards to renewable full-tuition awards. Usually, applicants for such a scholarship are asked to submit a topical essay and/or other information (letter of recommendation, résumé, etc.). There are tons of books available at your local bookstore and loads of information available online regarding such awards. Check your schools’ websites and hit the bookstore or your local library. Make a list of all the scholarship programs you’re eligible to apply for, and make a run at every dime you might get to help fund your education.

Research educational loans.

Chances are good you’ll need some loans to help fund your life through graduate school, and it’s never too soon to prepare. Get a credit report so you’re aware of your current standing, then research educational lenders. The financial aid folks at the schools you’ve applied to can offer you more information on public and private lenders with whom they work. Here’s a good place to start researching the different types of loans available: http://www.gradloans.com/.

Hurry up and wait.

Everything is now officially on its way! Many schools will email you to confirm acceptance of your application materials, completion, and decision status, but some won’t. The waiting game you’ll play between application submission and decision notification can be nerve-wracking. Pick up a hobby. Throw yourself into work with new vigor. Read more books. You might hear in a week, but you might not hear anything for several months. Remember that each applicant is different, and try not to hedge bets on whether or not you’ll be accepted or rejected. There’s only one way to find out, and you’ve done all you can. Only time will tell.

Good luck!

Grad apps, Step 7: Complete and submit your applications.

Making it official: the applications.

7 of 8 in a series


You’ve researched. You’ve planned. You’ve taken your tests. Sent your transcripts. Gathered your letters of recommendation. Written your application essays and personal statements. Now it’s time to make it official.

Step 7: Complete and submit your applications.

Good news: you’re just moments away from becoming an official graduate school applicant. The hard parts are finished, and by now, you should have a stellar application packet almost ready to go… it just needs an official application form to introduce you to the admissions committees who will soon be reviewing your file.

And more good news: there’s not much you can do to screw this part up, but there are a few pitfalls you must absolutely avoid at all costs.

Review your programs’ application website and proofread everything else.

Before you complete the last portion of your application for admission, take a few moments to re-read the full application instructions on the website of each program at which you intend to apply. Double-check all application instructions to ensure that you’ve followed all instructions and completed all the necessary elements. Review the word count or page limits for your essays. Check off each required form, letter, or statement required. Once you’re satisfied that you’ve done everything correctly, you’re ready to fill out the surprisingly brief application form.

Do a “dry run.”

After the months you’ve probably spent preparing everything else, the actual application form will look pleasantly quick and easy. But before you begin filling anything in, print a copy to fill in manually if you plan to submit online, or print or photocopy a spare if you’ll be sending in a paper application. Start on your practice copy. Make sure you read each prompt carefully and provide the correct information. Taking the time to physically write out your application (rather than simply completing it online) will give you an added opportunity to get everything right.

Once you’ve finished filling out the paper form (or the spare copy), read everything again. Trust me: this is not the place for sloppy mistakes, missing blanks, or typos.

Complete your final application form(s).

When you’re satisfied with your “dry run” application, transfer everything to your final application form(s). If you’ll be sending in a paper application, choose your pen wisely. Choose a pen that won’t smudge as you write or bleed through to the opposite side of the paper.

Proofread your final application form(s).

Yes, again. You can never be too careful with this stuff. Always be aware that your admission and scholarship opportunities will be determined based upon your submissions, and take the appropriate amount of caution.

Include or attach payment.

Applications cost money (unless you’ve obtained a fee waiver), so don’t forget to include the correct payment amount with your application.

Submit everything.

Once you are absolutely, positively certain that your entire packet is ready to go, it’s time to send it off. If you’re submitting online, make sure all documents are properly attached and send it off with confidence. If you are sending in a paper version, use your printer to address the envelope you’ll be using. Make sure the envelope is oriented properly in the printer. Double-check the addresses. Make sure you place a check in the envelope or include credit card payment information on the application form (if/where you’re prompted to do so). Include all of the appropriate documents and attachments, seal up your envelope, and stamp it. I recommend taking your applications directly to the post office, but maybe that’s just me being neurotic.

Your application is now officially on its way! Time to celebrate! …But not for too long. You’ll still need to pay for school, so when you’re ready, you’ll need to gather up your most recent tax documents, complete your taxes, submit your FAFSA (for domestic students), and apply for financial aid.

Grad apps, Step 5: Solicit and obtain letters of recommendation.

Recommendations

5 of 8 in a series


People dig you.

Well, let’s hope they do, at least, because once you’ve requested that your transcripts and documentation be sent to schools, it’s time to find a few people who are willing to vouch for your aptitude for graduate studies:

Step 5: Solicit and obtain letters of recommendation.

Adcoms (admissions committee members) don’t know you. Most graduate programs don’t even offer interviews. In most cases, all they’ll see of you is a short stack of paper, and they’ll probably have hundreds or thousands more very much like yours from other applicants who want to get into their program just as much as you do. Standing out from the pile can be difficult, but it’s absolutely crucial to gaining acceptance (and, perhaps, scholarship offers) to your desired program(s).

Chances are good that your “numbers” are more-or-less set. If you’re considering graduate school, then you’ve either finished your undergraduate education (in which case you can’t do anything to nudge your GPA up any more) or are very near the end of it (in which case you have very little time to make even a small positive change in your GPA). You may still have time to improve your standardized admissions test score(s), which can definitely help. But more likely than not, your best opportunity to shine comes from two sources: your application essays and your letters of recommendation.

Solicit recommendations early.

Since the letters of recommendation aren’t fully under your control, you should solicit them before you start working on your application essays. Give yourself two to three months before you plan to submit your apps so your recommenders (who are probably busy people) have time to write an insightful, well thought out, glowing recommendation.

Ask the right people.

Hopefully, when you started this process, you took my advice and followed up with some potential recommenders. If you haven’t done so yet, now’s definitely the time. Make a quick phone call or send an email. Invite him/her out for lunch or coffee.

But who should you ask? Schools typically have guidelines for applicants regarding who should recommend a candidate and how many letters must and can be sent. Before you start asking around, visit each school or program’s website. Peruse the “admissions” section. If you haven’t already done so, print out the application and slip a copy into your application file box. The admissions page or application will contain guidelines for recommendations.

Follow instructions.

Nothing bugs an adcom more than an applicant who doesn’t follow instructions. Don’t send more letters of recommendation than a school accepts. It won’t make you look any better. Two letters of recommendation is a fairly common requirement; three are often accepted (and some schools will accept even more). Most schools want at least one recommendation to come from an academic source, although there is a little bit of wiggle room on this guideline. Unless otherwise specified, it’s usually best to solicit at least one academic recommendation and one professional recommendation (particularly for business school applicants).

Some highly competitive programs even require a Dean’s Certification form/letter, which can be tougher to obtain, so work on making communication in-roads as soon as possible to facilitate the process.

Applicants come from a variety of backgrounds and apply at various stages of their lives, and adcoms know this. If you’ve been out of school for quite some time and you have a difficult time contacting your old professors, schools will generally accept recommendations from less traditional sources. It’s not uncommon for candidates still in undergrad to submit exclusively academic recommendations; similarly, candidates returning to school after years in a career path often submit exclusively professional recommendations. While this may not be ideal, it’s certainly acceptable.

Get the best recommendations possible.

Most importantly, your recommendations should be absolutely stellar. If you’re not sure how positively a potential recommender will endorse you, ask. Try something direct, but courteous, such as: “How strongly would you be comfortable recommending me to [graduate school or program]?” If he or she seems at all hesitant, this is probably not your recommender of choice.

You may know an alum of one of the programs to which you’re applying. If so, a targeted letter is a great idea. A targeted letter is one written particularly for one specific program by someone who has close ties to that school or program. In such a letter, the recommender can address your aptitude for that particular program. Such a recommendation is likely to carry more weight, considering the intimate knowledge the recommender has with the school. But here’s a word to the wise: make sure you don’t send the targeted letter to any of the wrong schools. Want to insult an admissions committee? Then send Stanford a letter that outlines why you’d be such a great fit at Harvard Business School. That’s almost a guarantee that you’ll be placed in the “reject” pile.

While an alum or board member can be a great recommender if he/she knows you well enough to endorse your application to graduate studies, submitting “celebrity” letters just for name recognition won’t do you any favors. Like I said before, the most important element of any recommendation is its quality. Your recommenders should be able to address your aptitude for graduate studies in your particular program of choice. They should mention things like your work ethic, your attention to detail, your attitude and how you interact with other students or co-workers, your intellectual curiosity, your written and verbal communication skills, your logical aptitude, your critical analysis skills, etc.

Provide resources.

I hope this point is obvious, but it’s still worth stating. Make sure you provide your recommenders all the proper forms and guidelines they need. If  particular school requires a specific form, make sure you provide it along with your request.

To make their jobs a little bit easier, provide a résumé to each recommender and supplement the résumé with notes. Include a story that illustrates a particular skill or trait that he or she might include in the letter, but make sure the story is relevant to the particular recommender in question. If you have one, provide a draft of your personal statement or another writing sample.

Also, be sure to provide envelopes that are already addressed and stamped. Recommending you shouldn’t cost the gracious writer anything and shouldn’t be a hassle. And I’m sure you want the letters to get to the right places, so do the legwork yourself. In short, make it as easy as possible.

Set a deadline.

Don’t forget that recommenders are people, too. They have other priorities, most of them more important that writing a letter of recommendation for a graduate school applicant. To help the process along, set a deadline for him/her and make sure to follow-up on occasion–maybe every two weeks. Don’t be annoying, for sure, but check in with a quick email asking if he/she has had a chance to look over the forms and materials you presented and ask if he/she has any questions you might be able to answer to help with the process.

Show your gratitude.

Be forewarned that some schools require a very specific recommendation form, and any good recommendation will take some time and effort to be well-written, so you should be extremely courteous and thankful of anyone willing to jump through such hoops for you. Once your letters are in, do more than just say thank you. Send “thank you” cards to your recommenders. Take them out to lunch or coffee. Make sure your recommenders know they did the right thing by signing their names to your application to schools. A little bit goes a long way.

Once your letters of recommendation are taken care of, it’s time for you to start writing. Next up in the series: application essays and personal statements.