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Getting the Student Athlete to the Right College
Black Hills Athletic Department
Presenter;Cross Country Coach George Zelenak
Why Participate in College: Financial
A few will get scholarships (don’t kid your self on this one – 10 academic scholarships are awarded for every athletic scholarship – Focus on grades and the SAT.)
Employers like these graduates! Especially when combined with a good GPA!
Why Participate in College: Academic
Higher Graduation Rates– NCAA D1 Graduation Success Rate at 77%
compared to 61% for non athletes. (the GSR uses a 6 year cut off and includes transfer students)
– Personal attention and concern by the coach and staff
What we will cover
Opportunities that exist for student athletes What a student athlete can expect How to narrow down the college search How to identify and contact coaches How to track school admissions Sugessions on evaluating offers
Opportunities – about 1,300 schools
NAIA – 282 NCAA D1 – 326* NCAA D2 – 283* NCAA D3 – 423* Divisions based on schools financial
commitment, not on size of school.
*NCAA numbers are estimates based on information fromhttp://www1.ncaa.org/membership/membership_svcs/sponssummary
Opportunities – for money
NAIA – wide open – school elects what to do NCAA D1 – full rides possible NCAA D2 – limited athletic money NCAA D3 – no athletic money allowed
What to expect once there*
D1 Large scholarship – you just got a job. D1 Walk on – a job with no benefits… except
All D1 should expect great physical/medical care and dedicated academic help/guidance
D3 Club like atmosphere D2 and NAIA – could be like either D1 or D3
varies by school and by sport.*Disclaimer – not all programs at all levels are run the same. For example D1
Gonzaga – Hard Core Basketball – club like cross country.
Narrow down the college search
Understand what college will cost without athletic, or academic, scholarships
Evaluate athletic and academic abilities Determine what schools can be afforded and
how. Search on www.collegeboard.org
Understand what college costs
Sticker cost is not the total cost– Tuition– Fees– Room / board– Books– Travel– Pizza Money
Understand what college costs
Expected total cost using sticker prices– In State Public $18,000– Out of State Public $31,000– Private Low $34,000– Private High $48,000
source: www.collegemoney.com/images/News/News_8_4.pdf
Almost no one pays full Sticker
Financial Aid Formula– Five big inputs
Parents Income Parents Assets Students Income Students Assets Number in college
– One minor input Age of oldest parent
– One output Expected Family
Contribution (EFC)
Financial Aid Theory
Full Sticker (+ misc)
- EFC
= Financial Aid Award
In an ideal world all you have to pay is the EFC!
EFC Calculation
BLACK BOX
EF
C
PARENT’S STUDENT’SAssets12% over API
Income 22 to 47% of includible
Assets 35% of all assets
EFC Calculation
BLACK BOX
EF
C
PARENT’S STUDENT’SAssets12% over API
Income 22 to 47% of includible
Assets 35% of all assets
Income 50% over $2,440
EFC Calculation
BLACK BOX
EF
C
Federal Methodology Institutional Methodology
PARENT’S STUDENT’SAssets12% over API
Income 22 to 47% of includible
Assets 35% of all assets
Income 50% over $2,440
EFC Calculation Critical Step
YOU MUST DO YOUR OWN TRIAL FINANCIAL AID “TEST” TO ESTIMATE YOUR EFC – to not do so would be like buying a car on payments with out asking the price of the car, the length of the loan, or the amount of the monthly payment.
You may use one of these calculators– http://apps.collegeboard.com/fincalc/efc_welcome.jsp– http://finaid.org/calculators/finaidestimate.phtml
Can you change your EFC – Yes!
Monitor students income– Earn at least $2,440 a year– Put away at least half of all earnings past $2,440
for college
Can you change your EFC – Yes!
Adjust Students Assets– Spend down students accounts prior to FAFSA
filing Be aware of legal aspects on UTMA and UGMA Consider 529 plans - they are generally parental assets
– Spend down students accounts early in college – do not retain these assets to help “Jr. get a start on life after college”
Can you change your EFC – Yes!
Reduce Parent income– Sell losing investments – good time for a tax loss– Delay bonus– Self Employed / Business owner
Buy section 125 assets in December “hire” child to $2440 if they have no other income in
2006
– Examine effect of adding to retirement plans
Can you change your EFC – Yes!
Reduce Parent Assets – Know your asset protection allowance*
– Know what assets are not reported Retirement plans, Cash Value Life Insurance, Residence, Autos …
– Shift reportable assets in excess of protection allowance - See *http://studentaid.ed.gov/students/attachments/siteresources/0607EFCFormulaGuideDecFinal.pdf
or seek assistance
Age of older parent 2 parent 1 parent
40 $39,200 $18,000
50 $50,100 $22,600
60 $66,100 $28,800
Can you change your EFC – Yes!
Family Members in college– It may be time for mom or dad or sibling to go
back to school The parent’s “contribution” to the EFC is
divided by the number of immediate family members in college at the same time. (Coach is glad he has twins in college (a two for one deal), and in two years he will have three in college at the same time (a three for one deal).
Can you change your EFC – Yes!
Small opportunity for a select few – – Generally you should file your FAFSA as close to
January 1 as possible, there may be two general reason to wait a bit.
Oldest Parent has a birthday in January – file after birthday – Asset Protection Allowance goes up a bit
You anticipate a major cash purchase in January
(really big purchase of several thousand or more)
Can you change your EFC – Yes!
Rerun your financial aid projection with proposed changes prior to actually making the changes. Confirm you will get the results you desire.
Help exists for completing the FAFSA– Determine what help you need and ask
EFC Calculation
BLACK BOX
EF
C
Federal Methodology Institutional Methodology
PARENT’S STUDENT’SAssets12% over API
Income 22 to 47% of includible
Assets 35% of all
Income 50% over $2,440
Evaluate Athletic Ability
Check with your coach Check the stats on your sport Are you
– Elite -- top 300* in the country (or top 15* in state)– Very good --- top 50 to 100* in the state– Average– Below average
*numbers are estimates – not all sports have clear cut lines on this
Evaluate Academic Ability
Your grades and SAT scores can get you money. This varies a lot by institution. In general if your GPA is not in the top 25% of your class and/or your SAT scores are not in the 75th or better percentile you can skip this.
We will get back to this.
Best Schools to Target
Now that you are armed with your EFC and your athletic and academic ratings use this table to start your search
Elite Very Good Average Below Average
High SAT & or GPA
Low EFC Any Any, but avoid strong D1
D3, D2, NAIA
NAIA, D3 Any, Dream Big
High EFC D1 D2, NAIA,
Soft D1s
D2, NAIA
In State
In State Public
In State,
& Private
High and Low EFC is relative to you – but $16k to $18k is the range of in state public school.
Start College Search
www.collegeboard.com has a college match maker. Look under the find a college tab, or
– http://apps.collegeboard.com/search/adv_typeofschool.jsp Follow the NEXT option at the bottom of each page until all pages are
done On the Sports section be sure to follow the
more detail: show sport levels link to pick D1, D2, etc.
Submit the results after all pages are done. You will end up with a list of schools that meet your initial screening.
Start College Search
Examine the results you got from your search– Redo search if needed– Identify schools you will chose to contact
Somewhere between 10 and 40 might be managable– You will want the colleges web address for the next step
It can be found on the “At a Glance” page you just searched for
You can save the search if you wish
Contacting the coach
The theory;– Go to schools main web page– Find the athletics link– Now you have to find the coach’s name and
contact informatin. (email address is a good start)– Try going to the sport first and look for coach info
Once you have coach’s name you may need to find the athletic directory, or faculty directory, to get the address
Contacting the coach
Contact the coach any way you want,– Email– Letter– Phone
Let them know you are interested in their program and you want to know if you might be a good fit. Send them information about your self as an athlete, and as a student (if good). Include stats and movies if appropriate.
Contacting the coach
Best if it comes from the Student. “We” emailed text similar to this with an attached Resume.Dear Coach,
I will be graduating from high school spring of 200X and am looking for a college with a team I can compete on. Your program has come to my attention. Please look at my attached resume, and contact me if I might be a good fit for your team. I am also wondering what type of financial help, if any, might be available.
Thank you,NAME…
Contacting the coach
Include a resume– Academic information– Athletic information– Stats - won/loss - height/weight – awards/records
Include video clips if appropriate – attach or mail a CD or DVD (mpeg or quicktime)
Sample resume at home.comcast.net/~gznak (note no www.)
Contacting the Coach
When a coach contacts you– If possible research schools web site before
responding. Let coach think you knew something about the school or program before you contacted them.
Follow up– If you don’t apply to the school you can’t go there– Keep a separate file for each school – Note
conversations with the coach. Schools and coaches will blur together.
Gotta Get In – Follow the rules
You must get admitted to the school to be able to play
Follow standard admission policies – work with the counseling center on this.
Be aware of each schools deadlines for admissions and financial aid
Always fill in the FAFSA on time NCAA – Clearing house
Found an interesting school
Can You Get Academic Money?– Phone Admissions or Financial Aid and ask for
academic scholarship cut offs. Be prepared to give them your SAT scores, your GPA, and possibly your Class Rank. Most schools will tell you what you would be offered based on this information.
Congrats you got an offer
Arrange tours Academic early decission – may reduce aid
award National Letter of Intent
– Early offer – once you sign you are committed– Late offer
THEY CAN’T OFFER IF YOU CAN’T GET IN THE SCHOOL!
APPLY TO ALL COLLEGES YOU HAVE A CHANCE AT.
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