Affiliate Puppy, Author at Financial Planning 101

COLLEGE APPLICATION TIMELINES

July 16, 2023 Affiliate Puppy Colleges/Schools

11th Grade Fall (Aug – Dec): PSAT/PreACT; Research / create a list of Schools…

11th Grade Spring (Jan – June): SAT/ACT; AP Exams; Touring (virtual) Schools…

11th Grade Summer (June – Aug): SAT/ACT; Choose Admission plan (deadlines); Create portals accounts, fill out detail; Request Letter of Recommendations; Tour schools (in person/virtual); Thinking about writing admission essays…

12th Grade (Sept): Send test scores, transcripts, recommendation letters for ED/EA deadlines; Writing admission essays; Continue Scholarship applications;

12th Grade (Oct): File FAFSA, continue to send scores, transcripts for ED/EA…

12th Grade (Nov): Early Decision I (Nov 1 or 15); Early Action (Nov 1 or 15); Regular decision: Send scores, transcripts, recomm. letters for RD deadlines;

12th Grade (Dec): RD rolling admissions, repeat Nov steps for RD admission

12th Grade (Jan): Early Decision II (deadline Jan 1 or 15)

ACT, AP exams, Application, College, CSS, FAFSA, Funding, Letters of Recommendation, SAT, Test Scores, Timeline

What are the hardest schools to get into in the United States?

July 8, 2023 Affiliate Puppy Colleges/Schools

These schools are famous for their low acceptance rates.

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#	School	US News Ranking	Acceptance Rate	Applicants Count	Admitted Count
1	Minerva University (Ranked #1 Most Innovative University in the World 2022 & 2023)	–	1.0%	25026	256
2	California Institute of Technology	#9	3.9%	13026	510
3	Stanford University	#3	4.0%	55471	2190
4	Harvard University	#3	4.0%	57786	2318

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5	Massachusetts Institute of Technology	#2	4.1%	33240	1365
6	Columbia University (in the City of New York)	#18	4.1%	61110	2524
7	Princeton University	#1	4.4%	37601	1647
8	Yale University	#3	5.3%	47240	2509

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9	Brown University	#13	5.5%	46568	2568
10	University of Pennsylvania	#7	5.9%	56332	3304

Data from Univstats.com

Admission Rate, Application, Colleges, IVY League, Toughest Schools, Universities

What are the University Statistics by State?

July 3, 2023 Affiliate Puppy Colleges/Schools

State	Schools (Public/Private)	Admission Rate	SAT	Tuition $	Students	Faculty to Student Rate
AK	9 = 5 + 4	72%	1235	15,818	20,929	1:9
AL	84 = 43 + 41	77%	1097	14,807	292,113	1:15
AK	86 = 35 + 51	68%	1085	11,961	147,073	1:14
AZ	106 = 32 + 74	78%	1133	18,686	635,517	1:16
CA	658 = 171 + 487	66%	1274	22,359	2,544,194	1:18
CO	90 = 33 + 57	83%	1104	19,120	348,692	1:16
CT	72 = 25 + 47	70%	1233	59,040	187,458	1:14
DC	23 = 1 + 22	63%	1277	26,571	99,462	1:14
DE	17 = 6 + 11	73%	1248	16,613	56,315	1:14
FL	385 = 94 + 291	72%	1131	18,887	1,029,907	1:16
GA	162 = 65 + 97	70%	1114	15,947	543,766	1:16
HI	23 = 10 + 13	87%	1141	15,500	60,273	1:16
IA	76 = 19 + 57	79%	1117	22,435	204,570	1:13
ID	35 = 9 + 26	84%	1102	16,659	127,747	1:14
IL	239 = 63 + 176	75%	1130	22,208	679,482	1:14
IN	132 = 39 + 93	80%	1151	22,246	438,920	1:14
KS	78 = 36+42	77%	963	15,721	193,665	1:14
KY	84 = 24 + 60	74%	1088	20,858	262,338	1:14
LA	106 = 28 + 78	75%	1098	17,012	238,035	1:18
MA	146 = 42 + 104	64%	1263	35,657	477,482	1:12
MD	78 = 29 + 49	75%	1151	22,714	335,799	1:14
ME	36 = 15 + 21	71%	1218	27,024	69,566	1:12
MI	170 = 48 + 122	76%	1133	20,081	483,002	1:14
MN	105 = 48 + 57	74%	1234	17,767	377,954	1:15
MO	147 = 43 + 104	72%	1140	18,571	335,902	1:13
MS	53 = 26 + 27	74%	1077	11,254	159,007	1:17
MT	30 = 19 + 11	78%	1171	14,656	47,085	1:12
NC	171 = 75 + 96	68%	1117	17,701	557,998	1:13
ND	26 = 14 + 12	85%	1017	11,055	51,263	1:13

NE	38 = 15 + 23	77%	1105	17,581	133,870	1:12
NH	34 = 13 + 21	82%	1239	27,376	198,501	1:12
NJ	151 = 38 + 113	75%	1171	20,022	386,440	1:16
NM	42 = 27 +15	70%	1150	14,497	106,105	1:15
NV	38 = 7 + 31	86%	1165	19,060	115,566	1:16
NY	418=107 + 311	69%	1231	24,043	1,130,989	1:14
OH	285 = 108 + 177	73%	1135	20,784	652,792	1:15
OK	99 = 62 + 37	71%	1059	14,805	195,209	1:16
OR	72 = 26 + 46	77%	1196	21,797	196,397	1:13
PA	307 = 70 + 237	74%	1178	27,156	550,082	1:12
RI	22 = 3 + 19	62%	1265	35,147	74,694	1:12
SC	92 = 33 + 59	75%	1111	20,355	231,452	1:12
SD	28 = 12 + 16	80%	1086	12,549	51,606	1:12
TN	149 = 48 + 101	72%	1132	17,370	322,542	1:16
TX	410 = 106 + 304	76%	1106	18,600	1,567,878	1:17
UT	63 = 17 + 46	86%	1239	18,971	395,777	1:19
VA	151 = 44 + 107	75%	1168	21,281	543,374	1:15
VT	18 = 6 + 12	71%	1279	38,904	39,942	1:11
WA	103 = 46 + 57	82%	1213	19,004	321,688	1:14
WI	92 = 32 + 60	81%	1158	22,042	316,535	1:13
WV	68 = 38 + 30	83%	1042	15,120	132,128	1:15
WY	10 = 8 + 2	97%	–	13,639	30,447	1:15

Data from Univstats.com

Admission Rate, Applicants, Application, Ratio, State, Statistics, University Acceptance Rate

Differences between SAT and ACT

June 23, 2023 Affiliate Puppy Colleges/Schools

Both tests have an optional essay. SAT has a Math section where you can’t use a calculator. ACT has a Science section that SAT doesn’t have. ACT requires students to read more quickly because it requires answering each of the reading questions in less than 1 minute, but SAT allows students to answer each reading question in more than 1 minute. You have more time in SAT than the ACT. Same as the Writing sections. For Math, 1 min per question in ACT, but students have more than 1 minute for SAT.

If you need more time, SAT is better.

Reading	ACT Time	ACT Questions	ACT Min/Question	SAT Time	SAT Questions	SAT Min/Question
	35min	40	< 1min / Question	65min	52	>1min / Question
Writing	45min	75	< 1min / Question	35min	44	<1min / Question
Math	60min	60	=1min/Question	80min	58	>1min / Question

ACT, AP exams, College Board, CSS, FAFSA, SAT, Test Scores

What is ACT?

June 23, 2023 Affiliate Puppy Colleges/Schools

The ACT is the exam that is used by many universities to make admissions and scholarship decisions. Just like the SAT, the purpose of the ACT is to measure a student’s readiness for college. College admissions officers will review ACT and/or SAT scores, your GPA, letters of recommendation from teachers, EC (extracurricular activities) and personal essays. The higher you scores on the ACT and/or SAT, the higher chance of attending college in your dream. Most Junior students take the ACT, SAT, during the spring or Seniors take them in Fall. Here are the dates for ACT. There are four sections: English, Reading, Math and Science.

The ACT also includes an optional 40-minute Writing Test. ACT is 2 hours and 55minutes long. If you choose to take the ACT with Essay, the test will be 3 hours and 35 minutes long. Each section of the ACT is scored on a 1 to 36 point scale. Your composite ACT score is the average of your four section scores, also on a scale from 1 to 36. If you take the ACT with Writing Test, you will receive a separate score on the Writing Test. Universities will accept scores from either the SAT or ACT, and do not favor one test over the other.

Here is the ACT Website. You can register today to receive reminders.

ACT, SAT exams, Test Scores

What is SAT?

June 17, 2023 Affiliate Puppy Colleges/Schools

SAT stands for Scholastic Assessment Test. It’s an entrance test used by many colleges and universities. It lasts 3 hours. There are 2 sections: 1) Math and 2) Reading & writing tests. It costs $55 and the highest score is 1600 (800+800). The average score is 1060. The exam is multiple choice format. It’s used to measure the readiness of students for college.

Most students take SAT and/or ACT in the Spring of their Junior Year. You can re-take the exam, so it’s important to take them earlier so you can choose a higher score to submit to college. SAT is offered nationally every Summer = June, August, Winter = October, November, December, Spring = March, May.

SAT registration is via College Board. The register deadline is here and it is approximately 5 weeks before each test.

Besides the SAT, you should take the PSATs when they are offered at your high school. The status as a “National Merit semifinalist” or “National Merit Finalist” will be determined by your PSAT score, not your SAT score!

There are a few items schools look at:

SAT Scores
High School’s GPA
Classes you took in High School
EC (Extracurricular) activities
Letters of Recommendations
Admission Interviews
Personal Essays

ACT, SAT

Award Letters

June 14, 2023 Affiliate Puppy Grants/Scholarships

After colleges finish their verification of financial information, they will begin the process of issuing financial aid award letters to all chosen candidates. This includes many private colleges. Private colleges often provide tuition discounts to reward good students from high-income families.

In order to receive an award letter, the student must apply and be accepted by the deadline that particular college elected. Students should apply to at least 5-10 colleges to ensure their acceptance. Once the student receives an award letter, the family should compare the financial aid package from each college. Do not only look at the total amount, but do a bottom-line analysis of the net out-of-pocket cost of attending each school. Different schools, for example, may have different costs for room and board.

You may also receive an award from a second-choice school that is more generous than the one from your first-choice school.

Once you receive your award letter, you can do several things if you want to try to improve your aid package:

Understand each of the items – A statement shows your cost of college (tuition, fees, room and board, books, personal expenses, etc.). Your family expected financial contribution (EFC), based on information you provided on the FAFSA or CSS PROFILE. Your family’s need (the cost of college minus your EFC). A listing of each aid source and dollar amount. A date by which you must return the award letter. Information on “appealing” any detail in the award letter. Compare Schools’ Packages – Next, compare your student aid packages. They can be different as night and day. Consider not only the amount you have to pay out of your pocket now, but also how much you’ll eventually have to repay (the loan amount) in the future. Respond to the Award Letter – Don’t delay in responding to this award letter just because you’re still waiting to hear from other schools. If you don’t reply on time, the aid package can be revoked. Accepting an award letter does not commit you to attending the school; it just guarantees your award. In responding, you have three choices–you can accept the award in its entirety, you can accept some components and reject others, or you can reject the offer entirely and request a revision package.

Award letters, grants, Pell Grant, scholarships

What is Student Aid Report (SAR)?

June 14, 2023 Affiliate Puppy Financial Aids

The Student Aid Report (SAR) is a document that provides information about your eligibility for federal student aid, including grants, scholarships, and federal student loans. You might receive your SAR in both mail or by logging into your StudentAid.gov account. SAR is a government-type report that summarizes everything that you provided on the FAFSA. It also shows the family’s EFC on the top right-hand corner of the form. If there’s a * next to the EFC on the SAR, it means your FAFSA has been selected for Verification. About 2-3 weeks after you fill out and submit the FAFSA, you will receive your Student Aid Report (SAR). If you do not receive the SAR, call the federal processor. They will ask for the student’s Social Security number and date of birth as verification and will tell you whether your FAFSA has been processed.

Make sure you review all of the information on the SAR. The item numbers printed on the SAR will correspond directly to the question numbers on the FAFSA form. Errors must be immediately corrected or updated on this form and the form re-filed. If an amended tax return is filed later in the year, the financial aid office should be contacted.

Copies of your SAR will be sent to all the schools you listed on the FAFSA. If you need additional copies of the SAR, contact the federal processor and ask for a duplicate SAR.

The College Scholarship Service (CSS) Data Confirmation Report is similar to the SAR. It gives parents and students a chance to correct data.

Verification

After the colleges receive your SAR, they may decide to do a verification (audit) of the financial information provided by the family. The federal government requires that a minimum of 30% of the FAFSAs be selected for verification. If your financial aid application is selected for verification, there will be a * by the EFC amount on the SAR. Each college will require you to submit support documentation, such as your IRS tax returns, W-2, and 1099 forms.

FAFSA, SAR, Student Aid Report

What is FAFSA?

June 13, 2023 Affiliate Puppy Financial Aids

To receive financial aid, you will need to apply and be accepted by the college. To apply, you will need to complete an application. The two basic types of financial applications are the Free Application for Federal Student Aid, or FAFSA, and the CSS PROFILE forms.

The FAFSA form is used to calculate EFC. All 2022–23 FAFSA^® forms must be submitted by 11:59 p.m. Central time on June 30, 2023.

There are three ways to file a FAFSA:
1) by mailing it to the FAFSA,
2) by filing online through FAFSA on the WEB (www.fafsa.ed.gov),
3) by filing online directly through the college.

The need based analysis uses your financial information from the tax return from 2 years prior.

FAFSA® Process

You can click on the “Apply Now” button on the home page, and just follow the directions on the screen.

You will be assigned an FSA ID, username and password which let you sign FAFSA®. Your FSA ID also can be used to sign loan contracts. Your FSA ID is used to confirm your identity when accessing your financial aid information and electronically signing your federal student aid documents. You will need to fill out your name, social security number, date of birth, address, driver’s license, Tax info including w-2, untaxed info, and all your financial situation, etc.

You can list a few schools on the online FAFSA. You can add more schools later. Schools you list on your FAFSA will automatically receive your FAFSA results electronically.

In order to receive financial aid, the student must: 1) Demonstrate financial need, 2) Received a high school diploma, 3) Be enrolled in college, 4) Be a U.S. citizen or eligible non-citizen, 5) Have a valid social security number, 6) Make satisfactory progress while in college (2.0 GPA), 7) Certify the financial aid will be used for educational purposes, 8) Not be in default of a federal loan.

Application, CSS, FAFSA, Financial Aid

What are Ivy League’s Acceptance Rates?

June 13, 2023 Affiliate Puppy Colleges/Schools

For the most highly selective colleges in the United States, the Ivy League schools, the acceptance rates remain to be very competitive.

Admitted Students haven’t changed much for the past 13 years. Blue represents 2011 Admitted, orange represents 2024 Admitted.

Applied Students have increased significantly. Blue represents 2011 Applied, grey represents 2024 Applied.

class 2011 vs. 2024:

School	Admitted 2011	Admitted 2024	Admitted Changes	Applied 2011	Applied 2024	Applied Changes	Acceptance Rate 2011	Acceptance Rate 2024
Brown University	2,683	2,533	-150	19,097	36,794	+17,697	14.05%	6.9%
Columbia University (2023)	2,255	2,247	–8	21,343	42,569	+21,226	10.57%	5.3%
Cornell University (2023)	6,503	5,330	-1,173	30,383	49,114	+18,731	21.4%	10.9%
Dartmouth College	2,166	1,881	-285	14,176	21,375	+7,199	15.28%	8.8%
Harvard University	2,058	1,980	-78	22,955	40,248	+17,293	8.97%	4.90%
Princeton University	1,791	1,823	+32	18,942	32,836	+13,894	9.46%	5.6%
University of Pennsylvania	3,637	3,404	-233	22,646	42,205	+19,559	16.06%	8.1%
Yale University	1,860	2,304	+444	19,323	35,220	+15,897	9.63%	6.6%

Sources: 2011 – A is for admission (Michele A. Hernandez, EdD); 2024 – Brown Daily Herald; Columbia Admissions; Cornell Admissions; The Dartmouth; The Crimson; Daily Princetonian; The Daily Pennsylvanian; Yale Daily News

Acceptance Rate, Brown University, Harvard, IVY League, MIT, Princeton, UPenn, Yale

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