April2011 by liuhongmei


									                                                                                                                                                                 April 2011

 Don’t be taken in by something that sounds too good to be true. Scholarship scams can be avoided by being aware of
 scammers’ tactics and understanding that the resources they offer can be found free of charge if you’re willing to spend
 a little time researching.

KHEAA publishes several free books to help students understand what financial aid is and
how to go about finding the financial assistance you need. One such resource is Getting
In, which lists most state and federal financial aid programs, tips on preparing for
college and more. The book will be sent to high schools later this spring for counselors
to distribute to every junior.

KHEAA also publishes Affording Higher Education, a great free resource for locating
local scholarships. The book lists thousands of scholarships offered in Kentucky and
ways to locate legitimate financial aid. Affording Higher Education can be found at
www.kheaa.com or at the high school or public library in your area. The new edition will be
available in late summer or early fall.

School counselors and your local college’s financial aid staff are excellent sources of financial
aid information. When faced with questions you can’t answer, ask one of them for help.

You will likely receive items in the mail or as an e-mail from companies offering all sorts of
help with finding scholarships and college aid for a price. Be wise. If they use any of these
deceptive claims, they are more than likely a scam:

“We’ll do all the work.”
The company may send a long list of scholarships that students can apply for,
but parents and students usually have to fill out all the applications.

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              For help with your higher education and financial aid questions, visit www.kheaa.com
                                                                       KHEAA is an EEOC employer.
The contents of this newsletter were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the Department
of Education, and you should not assume endorsement by the Federal Government.
Identity theft is one of the fastest growing crimes and
can affect anyone, including students. There are ways to
protect yourself and your identity.

Here are some simple steps you can take to protect your

  • Never provide information such as your Social
      Security, bank account or credit card numbers in
      response to a phone call or e-mail. Shred documents
      that contain personal or financial information.
  •   Don’t respond to e-mails that claim to be from the
      Internal Revenue Service. The IRS doesn’t contact
      taxpayers by e-mail.
                                                                      including the use of encryption to transmit and store
  •   Always be diligent: friends, family members,
                                                                      data safely. Check to see if the site has https instead
      roommates and workers who come into your home
                                                                      of just http at the beginning.
      make up a large percentage of identity thieves
                                                                    • If you’re using an ATM card or debit card, ensure
      because they have easier access to your confidential
                                                                      no one standing nearby can see your personal
                                                                      identification number (PIN).
  •   Pick up your mail as soon as possible after delivery
                                                                    • On your personal computer, install a free or low-
      or use a locked mailbox. Put outgoing mail in a blue
                                                                      cost firewall to stop intruders from gaining remote
      Postal Service mailbox, hand it to a mail carrier or
                                                                      access to your PC. Download and frequently update
      take it to the post office.
                                                                      security patches offered by your operating system
  •   Never provide bank, credit card or other sensitive
                                                                      and software vendors to correct weaknesses that a
      data when visiting a website that doesn’t explain
                                                                      hacker could exploit.
      how your personal information will be protected,

(Continued from previous page)                                    “You can’t get this information anywhere else.”
“The scholarship is guaranteed or your money                      Nearly all the information can be found for free by
back.”                                                            working with the guidance counselor and college
Read the fine print. To get a refund, students may need           financial aid officer, visiting the high school or public
a letter of rejection from every source on their list. That       library or doing a free online scholarship search. You
may be impossible to do if a scholarship on the list is no        can do a free scholarship search at kheaa.com. If you do
longer offered. The fine print may state that all types of        an online scholarship search on another site, read things
student financial aid are included, so students who get           carefully. Some sites will ask if you want to receive
loans and no scholarships may not get their money back.           information from advertisers, subscribe to magazines or
                                                                  apply for a credit card as part of the search process. You
“I just need your credit card or bank account                     can answer “no” to all those questions and still complete
number to hold this scholarship.”                                 the scholarship search.
Never give these numbers to a person or company
you’re not sure about. Someone with your credit card              If you are notified that you’ve been chosen by a national
number can charge something to your card, and someone             foundation to receive a scholarship, check with the
with your bank account number can make withdrawals.               Foundation Center at www.fdncenter.org to find out if
                                                                  the foundation is legitimate.
“This scholarship will cost some money.”
Be wary of any scholarship with an application fee.               If you aren’t sure if a company is legitimate or think
Many scholarship scams charge a fee, then use the                 an offer may be a scam, you can always check with
money from the fees people pay to award a token                   the Better Business Bureau or call your local college
scholarship to one or two “winners.”                              financial aid office.
In Kentucky, veterans, active duty military personnel and
their family members may qualify for college financial aid

The Kentucky National Guard Tuition Award Program,
administered by KHEAA, provides tuition assistance for
full- or part-time study at Kentucky public and private
colleges while funds are available. Members of the Guard
are also eligible for Montgomery GI Bill and GI Bill
Kicker assistance. To apply for any of these programs,
Guard members should contact the Education Services
Office, Boone National Guard Center, 100 Minuteman
Parkway, Frankfort, KY 40601 or call 502.607.1342.

Spouses, children and stepchildren of deceased or totally
disabled Kentucky veterans may qualify for tuition
waivers at the state’s public colleges and universities.
To apply, contact the school’s veterans affairs office or
the Kentucky Department of Veterans Affairs, 321 W.
Main St., Louisville, KY 40202 or call 502.595.4447 or

Many factors affect how much you will pay for college,
including the kind of college you choose.

As a general rule, public colleges are less expensive
than private colleges. There are trade-offs, however.
Public colleges tend to be larger, sometimes much
larger, than private colleges. That means students are
more likely to have larger class sizes, especially for
introductory courses. And they are also more likely to
have a graduate student instead of a full-time professor
teaching an introductory course.

At private colleges, class sizes tend to be smaller and
are more likely to be taught by full-time professors. In
addition, private colleges may have more scholarship
money available, which can help make up the
difference in cost.

Another route is to start at a two-year community
college to get the basics out of the way. You can then transfer to a four-year college to finish your bachelor’s degree. Of
course, you will need to work with both schools to make sure the transfer goes smoothly.

A community or technical college may be the right choice for you if you don’t plan to get a bachelor’s or higher degree.
Those schools offer programs, generally lasting from six months to two years, that will prepare you for a job in your
chosen field. You should talk with a counselor about whether the credits will transfer toward a four-year degree if you
decide you need more education.

The GED test will be free in Kentucky through June 30.
Kentuckians taking the test during that time will not have to
pay the usual $55 fee. Kentucky Adult Education will pay the

Free GED classes are available through local adult education
programs in all 120 Kentucky counties. To be eligible to take
the GED, students must first successfully complete the GED
Official Practice Test to make sure they are prepared for the
actual test.

Kentuckians interested in taking advantage of free classes and
the time-limited free GED testing should contact the adult
education center in their county to discuss how to get started.

The GED Testing Service® (GEDTS) reminds adults
that GED exams cannot be taken online or through
correspondence programs.

GED Tests are administered only by official GED Testing
Centers. To find the local adult education center, call 800.928.7323 or visit www.kyvae.org/countycontacts.aspx. A list
of GED testing sites can also be found in the KHEAA publication Adults Returning to School or online at http://www.

Any services that purport to offer a GED credential through any other means are not affiliated with GEDTS and may not
be accepted by employers, colleges and universities or the military.

                                   KHEAA has copies of Adults Returning to
                                   School available to help Kentucky adults
                                   considering returning to college.

                                   The book provides information about entrance
                                   exams, financial aid programs, and Kentucky
                                   colleges and universities. It also includes
                                   information about adult education programs
                                   and GED testing centers, as well as other state
                                   programs that can help adult students.

                                   Free copies are available through KHEAA by
                                   e-mailing publications@kheaa.com.

KHEAA and Career Cruising will host free Individual
Learning Plan (ILP) training for private school, home
school and adult students in April and May. Training will
be offered through webinars and at five private schools
across the state.

Webinars focusing on student use of the ILP will be held:
   • Tuesday, April 5, and Tuesday, May 3, from
     1 to 2 p.m. Eastern, noon to 1 p.m. Central.
   • Wednesday, April 6, and Wednesday, May 4, from
     3 to 4 p.m. Eastern, 2 to 3 p.m. Central.

Webinars focusing on school administrator use of the ILP
will be held:
    • Thursday, April 7, from 4 to 5 p.m. Eastern, 3 to 4            • Tuesday, April 12, Rose Hill School,
      p.m. Central.                                                    1001 Winslow Road, Ashland.
    • Wednesday, May 4, from noon to 1 p.m. Eastern, 11              • Monday, April 18, Trinity High School,
      a.m. to noon Central.                                            4011 Shelbyville Road, Louisville.
                                                                     • Wednesday, April 20, Somerset Christian School,
On-site training will cover student and administrator                  815 Grand Central Boulevard, Somerset.
use, as well as KHEAA’s new College Cost & Planning                  • Thursday, April 21, Paducah Community Christian
Reports, and will be held from 8 a.m. to 3 p.m. local time             Academy, 110 Lebanon Church Road, Paducah.
    • Monday, April 11, Lexington Catholic High School,          To register for a webinar or on-site session, contact Pennie
      2250 Clays Mill Road, Lexington.                           Little at plittle@kheaa.com or 502.696.7495.

Kentucky’s child care providers and those who train
child care providers may be eligible for the Early
Childhood Development Scholarship to further their
college education.

The scholarships are available to those who work at
least 20 hours per week or provide training in early
childhood development at least 12 times annually for
an approved organization. Kentuckians employed as a
preschool associate teacher in a state-funded preschool
program are also eligible.

Recipients must be working toward an associate’s
degree or a bachelor’s degree in early childhood
education or other approved credential. Subject to the
availability of funds, the scholarship will pay up to
$1,800 for tuition annually. Students may not take more            is available at www.fafsa.ed.gov. The scholarship
than nine hours per semester.                                      application is available at www.kheaa.com. To complete
                                                                   the scholarship application, students must register for
To apply, students must submit the Free Application for            a Zip Access account. After registering, sign in to Zip
Federal Student Aid (FAFSA) and an Early Childhood                 Access, choose Account Access and then select Apply
Development Scholarship application. The FAFSA                     Online.
Two Zip features at www.kheaa.com provide
important information that help Kentucky
students and parents learn about and apply
for student financial aid. Zip Access and Zip
Answer are available only on www.kheaa.

Zip Access lets students check their Kentucky
Educational Excellence Scholarship (KEES)
award and apply for the Robert C. Byrd
Honors Scholarship and Early Childhood
Development Scholarship. They can also
request a College Cost & Planning Report
through Zip Access. The sign-in function for
Zip Access is at the top of the KHEAA home

Zip Answer provides answers to hundreds of
questions about state and federal student aid.
Users may choose a topic or type a word or
phrase into a search box. If KEES is chosen as
a topic, Zip Answer will bring up many of the
most commonly asked questions and answers
about KEES. The link to Zip Answers is in the
right-hand menu on the KHEAA home page.

Below is a time line that will help keep students on track. Print it out and put it on your refrigerator or bulletin
board as a reminder of what to do and when to do it.

❏   Follow up on your financial aid package.
❏   The schools will award the federal loans as part of your loan
    letter, but if it isn't enough to cover expenses, research private
    student loan providers at kheaamarketplace.com.
❏   Take AP tests if you’re enrolled in AP courses.
❏   If you’re on a waiting list at a school you really want to
    attend, ask the director of admissions how to strengthen your

❏ Let your counselor know which school you’re going to so
  the school can send in final grades, class rank and proof of
❏ Send thank-you notes to counselors, teachers and others who
  helped you through the process.
❏ Prepare a budget for the coming school year.

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