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What are Loans

Loans

Over half of financial aid comes in the form of loans to students or parents that must be repaid. Student loans are subsidized by the government, so no interest accrues until the student begins repayment after he or she graduates.

At CSU schools, over 56 percent of all undergraduates who receive financial aid typically take out a student loan.

The average loan for 2009-10 was $7,485. A large percentage of UC students take out student loans as well.Almost all students qualify for some form of student loan, but should consider the obligations associated with borrowing. It is likely that students will use a combination of funding options for college, but ideally, they will have scholarship money to offset the cost they will have to borrow.

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Grants & Scholarships Available to You

Scholarships & Grants

REAP Incentive-Based Scholarships

REAP eligible Lindsay High School students earn $250 for scores of 3.5 or 4.0 in REAP eligible classes. Students who earn $1000 or more in one year earn a $1,000 bonus for that year. The top five earners in each class are invited to apply for additional Super Scholarships that are much larger rewards aimed to get the student close to a full ride to the college of their choice.

The Cal Grant Program

With a Cal Grant your student can get up to $12,192 a year to pay for college expenses at any qualifying California college, university or career or technical school in California. These are funds that do not have to be repaid. There are many different kinds of Cal Grants. There is money available for tuition, room and board, even books and supplies. You must submit a verified Cal Grant GPA by March 2nd. Some colleges may request additional documents such as tax returns.

Pell Grants

Pell grants are considered the foundation of federal financial aid, to which other aid can be added. Pell grants do not have to be repaid. They are federal grants based on need. The maximum Pell grant for the 2011-2012 school award year is $5,550. The amount awarded depends on your financial need, the cost of your school, and the timeliness with which you complete the application.

Federal Supplemental Educational Opportunity Grants

These are need-based grants to help low-income undergraduate students finance the costs of post secondary education. Students can receive these grants at any of approximately 3,800 participating post secondary institutions. When making FSEOG awards, the institution must give priority to those students with “exceptional need” (those with the lowest Expected Family Contributions, or EFCs, at the institution) and those who are also Federal Pell Grant recipients.

UC’s Blue and Gold Opportunity Plan

Under the Blue and Gold plan, your student’s system-wide fees will be fully covered by scholarship or grant money. The plan looks at all the sources of scholarship and grants awards your student has received (federal, state, UC, and private), and makes up the difference if the fees are not fully covered.. Students with greater financial need can qualify for even more UC grant support. In 2010-11, UC provided grant and scholarship assistance averaging $14,514 per student to more than half of undergraduates. You don’t need to fill out a separate application to qualify for the Blue and Gold Opportunity Plan. Simply file a FASFA and ensure that your CAl Grant GPA Verification has been submitted by the March 2 deadline of the year you plan to attend UC. You will receive the benefits of the Blue and Gold plan automatically if you qualify.

Regents Scholarships

Students with outstanding academic records and personal achievement are considered for Regents Scholarships, which is the UC’s most prestigious scholarship award. Regents Scholarships may be either honorary or need-based. Depending upon the campus, annual Regents Scholarship awards range from $1,000 honoraria to scholarships that cover full financial need for students who qualify for financial aid. Regents Scholarships are awarded to entering freshmen for up to four years.State University Grant Program– provides need-based aid to eligible undergraduate and graduate students who are California residents. The priority is to award a SUG at least equal to the amount of the State University fee ($4,428 for undergraduates) who have an expected family contribution (EFC) of $4,000 of less, and who are not receiving a Cal Grant or other award designated to cover fees. Each campus has established local awarding policies and priorities for these funds.

Alumni Scholarships

Alumni associations at some campuses award scholarships to entering students who have demonstrated leadership, academic achievement and participation in extracurricular activities. Awards range from $300 to $15,000 and, at some campuses, are renewable annually for qualified candidates. Your student does not need to be a relative of an alumnus (a graduate of the University of California) to qualify for an Alumni Scholarship.

Restricted scholarships

Restricted scholarships are available only to students with specific backgrounds, academic interests, career objectives and other criteria. Your student can apply for these when he or she applies for admission by checking off the characteristics that apply to him or her.

The Gold List

We highly encourage that you frequently check the Lindsay High School “Gold List” for scholarships listed by due date. It is very important that you pay close attention to these dates and apply to as many grants and scholarships as possible.

Additional Scholarship Resources

Lindsay High School’s Gold List

Cappex, College Search Made Easy

Fast web’s Massive Scholarship Database

College Board’s Scholarship Search

College Week Live Online, Scholarship Database

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What are Grants & Scholarships

Scholarships & Grants

Grants and scholarships are sometimes referred to as “gift aid” because they do not have to be repaid. Usually grants are awarded by need, and scholarships are awarded by both need and merit.

About two-thirds of all student financial aid come from the federal government and is based solely upon financial need, not grades or class rank.

Other aid programs are funded by the state, institutions, and private organizations.

The REAP Incentive-Based Scholarship program provides scholarship funding to students. There are many additional scholarship and grants available, and we encourage students to research and apply for as many scholarship and grant opportunities as possible. Grant aid comes from federal and state governments and from individual colleges, and it’s limited.

To Receive Grants:

The main way students receive grant aid is by filling out a FAFSA form Complete all applications and forms in a timely manner. Most federal and state grants require that you are a US citizen or eligible non-citizen; registered with Selective Service (if required); and not have been convicted of drug possession or sales in the recent past (see FAFSA for more detail). The amount of aid you will be rewarded depends on the timeliness of your application, and your response to requests from the Financial Aid Office, and any types of special ability you may demonstrate.

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8th Grade UCLA Field Trip

IMG_1337Last month our REAP 8th graders were given an unusual opportunity- a field trip to UCLA. However, there was a catch. They had to earn it! Only the top 10 earners at each of the six middle school sites were able to go on the field trip. It was a great motivator to get the 8th graders excited about earning REAP scholarship funds.

On Friday February 19th, the chosen 8th graders and the REAP counselors set out bright and early for the trip to UCLA. While at UCLA they visited the Fowler Museum where they participated in a hands on workshop to learn about emblems and symbols. After lunch the group met up and took a tour of the campus with three REAP alumni who are studying at UCLA. The 8th graders finished off their UCLA visit with a trip to the UCLA Bruin’s store to purchase souvenirs.  It was a long day with lots of walking involved, but it was a great success.
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LHS REAP Alumni Giving Back

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Luis Salas ’15 talks about his experiences at San Jose State.

One of the fundamental goals of the REAP Scholarship Program is to create a college going culture in areas with few college graduates. One way that we are working to accomplish that is by having REAP scholarship recipients give back to the community they came from. In order for REAP alumni to receive their scholarship funds each year, they are required to fulfill a service requirement. This is their chance to be a role model for the kids in the district they graduated from.

In January, several REAP alumni participated in college workshops to talk to current REAP participants about their experiences in college so far. They talked about their struggles. They talked about what they liked about college. They gave words of advice. It was a very positive experience and the overarching message was that as hard as it could be to leave family and go to college, that it was worth it and it was possible.

So what were some of the struggles? For most, having to leave family and be independent adults was a big challenge. Many struggled with learning important life skills such as time management and budgeting. For Luis Salas ’15 living in a big city was a major adjustment after growing up in small town Lindsay, CA. He shared humorous stories about getting lost and about feeling overwhelmed by how many people there were.

What advice did they have to share? Don’t procrastinate. Find a way to study that works for you.  Alejandra Lopez ’15 shared her experience of scheduling two classes back to back that were on opposite sides of the campus. Her advice was to have a map of the campus handy when registering for classes in order to avoid making the mistake she made.

 

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L-R: Heriberto Marquez ’13, Karina Castro ’13, Daniela Paniagua ’15, Luis Salas ’15, Reyna Cortez ’15, Alejandra Lopez ’15, Vanessa Frias ’15

At the end of the various presentations, the alumni answered questions. It was a good chance for the high school students to get a glimpse into college life and realize that college has a lot to offer and is well within their reach.

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Middle School REAP

It’s Never too Early to Start Planning for College

How many people do you know that can say they started earning money for college when they were in 7th grade? How many people do you know who were even thinking about college at that age? Yet, that is precisely what is happening at Lindsay Unified School district. Starting in 7th grade, participants in the REAP program can earn funds for college by getting high scores in their core classes. Not only that, but they are already beginning to learn about what college options are out there and what the financial cost is of getting a 4 year degree.

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This is Laura Cortes, counselor at Lincoln Elementary School, having a monthly lunch meeting with her REAP Club members.  At this meeting, she reminds them about how to earn REAP scholarship money. She gives a very basic overview of college options and what the cost of those options are. Mrs. Cortes wants her learners not just to be thinking about college, but to understand that going to college is an attainable goal.

 

College is still a few years away for these kids, but the seeds are being sewn now.
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