2020 The College Circuit - KHEAA
2021The College CircuitA COMPLETE GUIDE TO HIGHER EDUCATION AND FINANCIAL AIDFile theFAFSAstartingOctober 1pg. 14ouryetCrea nalizedopers ge plancolle 53pg.Leayou rn abouraw KEE tSp g ard. 22ANYou Cdaf fo re.c olleg whoL ea r n e !i nsidwww.kheaa.com
What does your future hold?Deciding what you want to do after high school is a big deal. Whatever your goals are, yourfuture plans will likely involve some sort of education or additional training beyond the highschool level, and it’s important to plan and prepare properly.That’s why this guide was put together by the Kentucky Higher Education Assistance Authority(KHEAA), an agency that makes college more accessible to Kentuckians like you.It will help you figure out:z Your options for continuing your education after high schoolz How to navigate the college admissions processz The financial aid resources available to help pay for your educationTake the time to read through this guide as you start planning for your future after highschool. It will help you get where you want to go.Words in italics are defined in the glossary starting on page 30.KHEAA OUTREACH COUNSELORSAND COLLEGE COACHESKHEAA covers Kentucky’s 120 counties with 13 regionaloutreach counselors and 32 college coaches. Find theoutreach counselor for your area in the Counselors tabat kheaa.com.Follow KHEAA and KHESLC2Be on the lookout for theCollege Info Road Show!Visiting middle schools, high schools, adulteducation centers, public libraries and othersites, KHEAA’s mobile classroom uses stateof-the-art technology to connect studentswith the information they need to research,pursue, and succeed in their educationalfuture beyond high school. The bus isequipped with Internet access, 11 individualworkstations, an instructor’s screen and anoutdoor screen.
ContentsPreparing for CollegeResourcesWhat’s your destination? . . . . . . . . . . . . . . . . . . 4Why college?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5Classes to careers. . . . . . . . . . . . . . . . . . . . . . . . . 6Your path to college checklist. . . . . . . . . . . . . . . 7Your admissions and financial aidtimelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1010 things you should think about when choosinga college. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Graduate on time. . . . . . . . . . . . . . . . . . . . . . . . 12Online resources. . . . . . . . . . . . . . . . . . . . . . . . . 27Check out kheaa.com. . . . . . . . . . . . . . . . . . . . . 28Social networking. . . . . . . . . . . . . . . . . . . . . . . . 29Glossary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30Paying for CollegeYour scholarship search. . . . . . . . . . . . . . . . . . . 13Financial aid application process. . . . . . . . . . . 14Create your FSA ID . . . . . . . . . . . . . . . . . . . . . . . 14FAFSA checklist. . . . . . . . . . . . . . . . . . . . . . . . . . 15FAFSA.gov . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16Federal aid options. . . . . . . . . . . . . . . . . . . . . . . 17Federal financial aid chart. . . . . . . . . . . . . . . . . 18State financial aid chart. . . . . . . . . . . . . . . . . . .19The nuts and bolts of borrowing . . . . . . . . . . . 20Advantage Education Loans. . . . . . . . . . . . . . . 21Kentucky Educational Excellence Scholarship .22Top 10 tips for getting college aid. . . . . . . . . . 24Financial aid mistakes. . . . . . . . . . . . . . . . . . . . 25Where to find more information . . . . . . . . . . . 26ActivitiesMy college plan!. . . . . . . . . . . . . . . . . . . . . . . . . 35Reality check. . . . . . . . . . . . . . . . . . . . . . . . . . . . 36Add up your monthly expenses . . . . . . . . . . . . 37Scavenger hunt. . . . . . . . . . . . . . . . . . . . . . . . . . 38The search is on. . . . . . . . . . . . . . . . . . . . . . . . . . 39Postsecondary puzzler. . . . . . . . . . . . . . . . . . . . 40Notes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41Family tips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 433
Preparing for CollegeWhat’s your destination?Your career has a lot to do with how much money you’ll make. Here’s how much money certain careers pay onaverage in Kentucky. Use the resources listed on page 27 to research the educational requirements of careers thatinterest you. (Don’t expect to make this much right out of college. You need experience, too.)Occupations by Average Salary and Required Level ofEducation in Kentucky1Professional ariansLawyersDoctoral DegreeSchool superintendents2History professorsMaster’s DegreeNurse PractitionersPhysical TherapistsStatisticiansBachelor’s DegreeComputer and Information Systems ManagersFinancial ManagersMining and Geological EngineersFarm and Ranch ManagersRegistered NursesHigh School TeachersForensic Science TechniciansGraphic DesignersCamera Operators, Television, Video, andMotion Picture StaffAssociate’s Degree (or other 2-year degree)Industrial Maintenance WorkersManufacturing Engineering TechnologistsPostsecondary CertificateElectrical and Electronics Repairers,Commercial and Industrial Equipment WorkersWelders, Cutters, and Welder FittersHairdressers, Hairstylists and Cosmetologists1 159,540 126,310 88,770 80,170 75,700 129,889 59,640 96,180 84,920 79,970 113,960 98,540 93,130 73,110 61,780 55,690 47,240 40,130 34,420 47,060 45,160 59,630 38,260 20,980List your top3 career choices!1.2.3.Is minimum wageenough for you?At 7.25 an hour,you can expect toearn about 15,080a year IF you have afull-time job. Manyminimum wage jobsare only part timeand offer no benefits.Dreaming ofbecoming a paidinfluencer?Most social mediainfluencers needto reach 100,000followers before theystart seeing a profit.Many will need toreach 1,000,000.Typical average salary in Kentucky. Source: careeronestop.org.Source: Kentucky Department of Education, hool%20district%20personnel%20information.aspx, 2018-201924
This graph gives the2017 median earningsof people in Kentuckyover age 25 whoworked year-roundat a full-time job,based on their level ofeducation, comparedto the unemploymentrate for each level ofeducation.Help wanted!There are many highpaying jobs in Kentuckythat aren’t getting filledbecause there aren’tenough people trainedin those fields. Kentuckyis now offering to pay forthis training through theWork Ready KentuckyScholarship. You canlearn more about thescholarship on page19. The table on theright provides someexamples of jobs in thefive “Work Ready” sectors.To learn about theseand other careers, visithelpwantedky.com.Median Earnings of Kentuckians 100,00010.9%Kentucky income by educational attainment.For people 25 and older.Source: 2019 American Community Survey,U.S. Census Bureau. 80,000Annual Unemployment rate, 2018Preparing for CollegeWhy college? 60,0006.0%5.4% 40,0002.5%1.8% 20,0001.4%1.3%1.1%0AnnualJob TitleSalary*Advanced ManufacturingJob TitleElectrical Engineering TechnicianMechanical Drafters 58,760 52,180Industrial TechnicianSurveying TechnicianAnnualSalary* 51,820 35,560Business and Information TechnologyAccountantComputer User Support Specialist 60,360 45,200Information Security AnalystsWeb Developer 76,560 68,000Construction TradesCarpenterElectrician 43,590 52,150DrywallerPlumber 40,610 53,210Health CareMedical CoderPharmacy Technician 36,030 28,310PhlebotomistRadiographer 30,170 50,830Transportation and LogisticsAutomotive TechnicianDiesel Engine Specialist 34,900 41,070Agriculture Equipment MechanicLogistician 30,940 70,160*Typical average salary in Kentucky. Source: careeronestop.org.5
The chart below shows careers associated with certain types of classes. Think about yourfavorite classes, then look to see related careers. Do your research to find out the educationalrequirements for each one.er Sci enceConsideryourhobbiesn sume r S cie n cedie spu tNutritiondes care, in , childigntehum , culin riorfasaryaneve hion m resou arts,nt prlann erchan ces,disiingpol and p ng,Fa micy.ublicil yon,ucti s,rtsCon chanic gme acturin nuftioman sporta .nagyor tr chnoloetaTechnicl EdtioucaS tuComs,y,om ines reron us waAst ing, b r softotis.ver ingad neer esigndgienTurn yourfavorite classesinto a career!Pspla ychojus nn logtic ing y,go hu e, an , crim cityver ma thnm n r rop inalen eso olot o urc gyr so es ,cia ,Solworkcia.lAnimationcinema , music teachetographry, interio ,design,rgraphicband director, arts,webdesign,social m siteedor broadcastin iag.AcTeaching, writing, law,cjournalism or publicfin ounan tinrelations.cgaero com ial p , stanala tior utic pute nni sticin s, rs ng s,su te ,,ra acnc hie. ngce and HealthScientisla rna o, tr ncy e.ticen em l ag servnr eve av gnGo tr oreif& Co6,ngMathemate,Medicinaryveterincology, ology,rpharma, meteoscience nal therapy,tiooccupa ntal science,meicalenvirontry, medchemis r forensichoresearc nce.scieDrama, Music and Ar tnesgagunaLanguage ArtsEnglish/LicsForeigPreparing for CollegeClasses to careersnCraftsFitnessGaming3D modelers, conceptartist, baker, carpentry,beautician, roboticsInstructors, trainers,coaches, health,nutrition, management,physical therapyDesigner, engineer,storyboarder, animator,communications
Middle SchoolFreshmanO Talk with your school counselor andO Take electives that involve yourinterests.parents about:O Going to college.O Sign up for honors, AP, IB, CAI or dualcredit courses.O Ninth-grade courses.O College prep and honors courses.O Future careersO Academic enrichment programs.O Start planning now, and earn goodgrades.O Think about sports, performing arts,volunteer work or other activities thatinterest you.O Learn about your high school’s gradingpolicy.Activities I want to try:1.2.3.4.5.O Research and apply for summerenrichment programs.O Go to kheaa.com and register for a free,personalized account and begin exploringscholarships.O Get involved. Keep track of youractivities and achievements.SophomoreO Think about what career you may like.Explore careers at kheaa.com.O Take the ACT, PSAT or SAT.O Research and apply for summerenrichment programs.O Consider taking AP, IB, CAI and dualcredit courses.More detailed monthly timelinetimeliness can be found on kheaa.comPrecollege Curriculum ChecklistPreparing for CollegeCollege planning checklistSource: Council on Postsecondary EducationAsk your schoolcounselor about usingthe Work ReadyKentucky Dual CreditScholarship to pay forcareer and technicaldual credit classes.SubjectCredits Required*SubjectCredits Required*Language Arts4 creditsPhysical Education1/2 creditMathematics4 credits1 creditScience3 creditsHistory and Appreciation ofVisual and Performing ArtsSocial Studies3 creditsForeign Language2 creditsHealth1/2 creditElectives6 credits (3 rigorous)*** Courses to include by subject: Language Arts — English I, II, III, IV or AP English; Mathematics — Must include Algebra I, Algebra II, geometry, fourth class counts as an elective; Science — life science,physical science, earth/space science (at least one lab course); Social Studies — U.S. history, geography, economics, government and civics, cultures and societies; Health — individual well-being,consumer decision, personal wellness, mental wellness, community services; Physical Education — personal wellness, psychomotor, lifetime activity; History and Appreciation of Visual and PerformingArts — History and appreciation of visual and performing arts, another arts course that incorporates such content, or by specialization in an art form; Foreign Language — 2 credits OR demonstratedcompetency** To find out what qualifies as a rigorous elective, talk with your school counselor.7
Preparing for CollegeJuniorFall SemesterSpring SemesterO Start your personalized College Plan(page 35).O Talk with your school counselor orcollege coach about your college plansand financial aid.O Take the ACT, PSAT, and SAT.Consider a prep course.O Review and search colleges on kheaa.com and begin planning college visits.O Decide if you should take AP exams inMay.O Research summer enrichment andhonors programs.O Set up an email account with aprofessional address.O Attend a financial aid night to learnabout available resources.O Check your KEES award.O Review KHEAA’s Getting Inpublication.O Sign up for AP, IB, CAI or dual creditcourses for senior year.O Develop a résumé.O Think about lining up a summer job,internship or co-op. Consider shadowinga job or volunteering in your field ofinterest.O Complete your personalized copy ofGetting the Facts at kheaa.com. (Seepage 28.)P!KEEP YOUR GRADES UiticalYour junior year GPA is crfor college admissions.!No pass, no drive!If you plan tograduate early,talk with yourschool counselorand be sure tolook ahead on thetimeline.In Kentucky, you can’t get yourlearner’s permit or driver’s licenseif you don’t pass four courseseach semester, if you have morethan nine unexcused absences orif you drop out. If you alreadyhave your permit or license,the Kentucky TransportationCabinet will take it away.Test Date2020/21ACT TESTDATES8Sept. 12, 2020Oct. 24, 2020Dec. 12, 2020Feb. 6, 2021April 17, 2021June 12, 2021July 17, 2021Registration DeadlineLate Registration DeadlineAug. 7, 2020Sept. 20, 2020Nov. 6, 2020Jan. 8, 2021March 5, 2021May 7, 2021June 11, 2021Aug. 21, 2020Oct. 4, 2020Nov. 20, 2020Jan. 15, 2021March 19, 2021May 21, 2021June 25, 2021
O Narrow your list of schools and scheduleOOOOOOvisits.Check with your high school counselingoffice for scholarship resources, includingKHEAA’s Affording Higher Education(See page 13).Take or retake the ACT or SAT.Complete online admissions applications.Attend college fairs and financial aidnights.Request recommendations fromteachers, employers and counselors.Provide a résumé.Watch scholarship deadlines and createa calendar.O Fill out the Free Application for FederalStudent Aid (FAFSA) at fafsa.gov assoon as possible STARTING OCTOBER1. Some aid is awarded on a first-come,first-served basis.!Make sure you use the“.gov” site when completingyour FAFSA. It’s free. Othersites will charge you a fee.Preparing for CollegeSeniorFall SemesterSummerO Establish a contact at the college you’llbe attending, such as an admissionscounselor, coach or other collegerepresentative.O Do one last check of your KEES awardamount through your MyKHEAAaccount. Contact your high schoolcounselor immediately if you notice anerror.O Check with your college to make sureit has received your final transcript,dual credit transcript and all necessarypaperwork.O Set up your online student account atthe school you’ll be attending.O Follow your school’s social media pagesSpring SemesterO Review college acceptance letters andcompare financial aid offers.and feeds.O Complete entrance counseling ifborrowing student loans.O Decide about a school and send in thedeposit by May 1.O Complete verification documents ifyou’re asked to verify your FAFSA.O Get a summer job.O Sign up for early registration/orientation/housing/early start.O Look for KHEAA’s Surviving Collegepublication at kheaa.com.9
Preparing for CollegeYour admissions and financial aid timelinesComplete these steps your senior year of high school, or sooner if you plan to graduate early.AdmissionsFinancial AidFALLz Research colleges and conduct campusvisits.z Attend a financial aid workshop at yourschool or in your community.z Attend campus preview events andcollege fairs.z Apply for scholarships through the collegefinancial aid office.z Put the finishing touches on your collegeessays.z Research scholarship opportunities on kheaa.com.z Complete admissions applications by thedeadline.z Create an FSA ID and complete your FAFSAat fafsa.gov as soon as possible beginningOctober 1.WINTERz Check email for correspondence fromcolleges.z Make note of housing applicationdeadlines.z Follow up on your FAFSA.z Submit scholarship applications by therequired deadline.z Continue applying for scholarships to boostyour financial aid package.SPRINGz Evaluate college acceptance letters anddecide where you will go by May 1.z Sign up and attend new studentregistration and orientation as early aspossible.z Complete verification if selected.z Evaluate award letters and use them to helpmake your decision.z Accept the financial aid you need.z Notify any school you were accepted to ifyou won’t be attending.SUMMERz Follow your school’s social media pagesand feeds to stay connected.10z Do one last check of your KEES awardthrough your MyKHEAA account on kheaa.com.
Rank these in order of importance to you. Feel free toadd your own criteria in the blank space provided.z Career goals: If you know what you want tomajor in, that helps narrow the search.z School size: You can choose from small collegesto large universities.z Location: You might want to go far away fromhome, live at home to save money, or choosesomewhere in between.z Cost: Colleges don’t all cost the same.You CAN afford it!Preparing for College10things you should think aboutwhen choosing a collegeDon’t be scared away bythe initial cost of a school.Financial aid may offset thedifference. Consult KHEAA’sGetting the Facts atkheaa.com.kheaa.com(See page 28.)z Financial aid: How much financial aid you getcan influence which college you choose.z Extracurricular activities: Some schools mayprovide more opportunities than others. Somemay even offer you a scholarship to participate.z Special programs: Maybe you’d like to studyabroad for a year or participate in an internship.z Demographics: Some schools are more diversethan others.z Feel: Make a college visit and go where you feelcomfortable.z Requirements: Every school has its ownadmissions criteria.Consider different kinds ofschools. Find out their admissionsrequirements.Where to go:O Public universities: Offerprograms leading to bachelor’sand master’s degrees. Someoffer doctoral and professionaldegrees.O Private schools: Are similar topublic universities but usuallysmaller.O Community and technicalcolleges: Have two-yearassociate’s degrees you canuse on the job or transfer to afour-year degree program.O Career and technical schools:Offer specialized training incareers. May offer associate’sdegrees or programs leadingdirectly to jobs.11
Preparing for CollegeGraduate on timeComplete at least 15 credits a semester.Why?You’ll save money if your school chargesthe same for taking 15 hours instead of 12.Check your school’s tuition schedule onlineto make sure.You’re more likely to graduate on time andenter the workforce sooner.Know the courses youneed to graduate, andmeet with your advisorto map out a plan to earnyour degree on time.You’re more likely to get good grades.You’ll maximize KEES awards. You can use itfor eight semesters within five years of highschool graduation.You’ll avoid the cost of an extra year, whichcould save you thousands of dollars!Total credits neededfor your degreeprogram 4 Years Credits needed peryearRemember: the fewer credits you take a semester, the longer itwill take you to graduate, and the more your education will cost.Take Advantage of Dual Credit ClassesTaking dual credit classes in high school can help you complete your degree in less time. A dualcredit class lets you earn high school and college credit at the same time. While you have to pay totake dual credit classes, KHEAA administers scholarships to help cover the cost. Check out page19 for details on these programs. Even if you have to pay out of pocket for a dual credit class,the cost is often much less than what you will pay once you are in college. Talk with your schoolcounselor for more information about dual credit classes offered at your school.12
Your scholarship searchAffording HigherEducationCommon Scholarship Myths2020–2021z Small scholarships aren’t worth it.Financial aidprograms forKentuckystudentsz Too many people apply.z My grades aren’t good enough.z I’m not involved in enough/any activities.z I’m not staying in Kentucky.z My parents make too much mon
Preparing for College 6, C o m p u t e r S c i e n c e , F a m i l y & C o n s u m e r S ci e nce T e c h n i c a l E d u c a t i o n S o c i a l S t d i e s s E n g l i s h / L a ngu g
May 02, 2018 · D. Program Evaluation ͟The organization has provided a description of the framework for how each program will be evaluated. The framework should include all the elements below: ͟The evaluation methods are cost-effective for the organization ͟Quantitative and qualitative data is being collected (at Basics tier, data collection must have begun)
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On an exceptional basis, Member States may request UNESCO to provide thé candidates with access to thé platform so they can complète thé form by themselves. Thèse requests must be addressed to esd rize unesco. or by 15 A ril 2021 UNESCO will provide thé nomineewith accessto thé platform via their émail address.
̶The leading indicator of employee engagement is based on the quality of the relationship between employee and supervisor Empower your managers! ̶Help them understand the impact on the organization ̶Share important changes, plan options, tasks, and deadlines ̶Provide key messages and talking points ̶Prepare them to answer employee questions
Dr. Sunita Bharatwal** Dr. Pawan Garga*** Abstract Customer satisfaction is derived from thè functionalities and values, a product or Service can provide. The current study aims to segregate thè dimensions of ordine Service quality and gather insights on its impact on web shopping. The trends of purchases have
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Le genou de Lucy. Odile Jacob. 1999. Coppens Y. Pré-textes. L’homme préhistorique en morceaux. Eds Odile Jacob. 2011. Costentin J., Delaveau P. Café, thé, chocolat, les bons effets sur le cerveau et pour le corps. Editions Odile Jacob. 2010. Crawford M., Marsh D. The driving force : food in human evolution and the future.
Le genou de Lucy. Odile Jacob. 1999. Coppens Y. Pré-textes. L’homme préhistorique en morceaux. Eds Odile Jacob. 2011. Costentin J., Delaveau P. Café, thé, chocolat, les bons effets sur le cerveau et pour le corps. Editions Odile Jacob. 2010. 3 Crawford M., Marsh D. The driving force : food in human evolution and the future.
