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									Achievers Scholars College Newsletter
Attitude Determines Altitude
Ever notice how some folks are quick to claim what they can or cannot do without ever trying? Ever notice how some folks can tell you they don’t like a particular food without ever tasting it? It is a matter of attitude.

Washington Education Foundation

Volume 2, Issue 1 August 2002

When you think of achieving a goal, you often begin with gathering information that you feel will lead you to the place you want to be. You learn the criteria, you think through the process as far as you can. Then you act. You Special points of interest: gather more information as you go. You set about doing the things that you • Achievers Scholars feel will lead you to the place you want to be. You take charge, you are then Expectations being “proactive.” A proactive attitude toward your life, leads to positive results! Imagine, where we would be if Thomas Edison had not persisted in his quest to create the telephone? Imagine if Dr. Charles Drew had not persisted in determining how to transfer blood ? Can you imagine using a computer without at least one Microsoft product? Persistence pays off. When we seek success, we ask ourselves, what it takes to be successful. We ask ourselves how much we are willing to work for what we really want. We seek assistance in those areas we know we are weak. We strengthen our weaknesses to our advantage as much as possible. When we fear failure, we tend to engage in negative attitudes. We self sabotage so that we don’t have to reveal our weaknesses. When we refuse to take a risk, we miss an opportunity in learning that while we may not be the best, we are not as bad as we previously thought. Being a college student means that you are constantly adjusting your attitude to achieve a higher goal. You are constantly building on a foundation that will support you throughout your academic and professional career. You are constantly trying something new. You are constantly taking risks. As you step on to your campus this fall, think of what you will need to do to be successful. Adjust your attitude to determine how high you want to fly. Be proactive with your faculty, your college mentor and, most of all, your education! Be persistent. Persistence is a valuable asset. Be proactive, it brings about positive results. Best wishes in the new academic year!
Keep this copy for your records. This document spells out the expectations of the Achievers Scholars and what you can expect from the Foundation in the way of support.

Inside this issue:
Watch out for credit card offers! Budget your money 2


Work-Study Positions 2 Know the Rules Enhance Your Education Summer Reading Achievers Scholars Expectations enclosure 3 3 4

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Achievers Scholars College Newsletter

Mind your Benjamins!
“...with my mind on my money and my money on my mind.”
When you arrive on your college campus this fall you may find some interesting vendors who have very little to do with education.: Citibank, Chase Bank, and American Express. They will bombard you with all kinds of free offers: T-shirts, free CD’s and DVD’s, a chance to win trips or even cars, all kinds of free stuff! How about a free pizza for filling out the application? Sound tempting? Temptation has its price. As a college student you are a prized target for the credit card industry. Although you may have little or no income, you are not considered “ high risk” because most credit card companies feel that your parents will bail you out if you run into difficulty paying your bills. While this may be true for some of you, it is unnecessary burden to bear when you are trying to focus on your studies. In the year 2000, approximately 63% of full-time college students had their own credit card. However, few were able to pay the full balance each month and some only could only pay the minimum. Many can’t keep up with minimum payments. “Based on data for the first two months of this year, Harvard law professor Elizabeth Warren projects that 150,000 people younger than 25 will declare personal bankruptcy.” Average credit card debt by class: Freshman $1533 Sophomore $1825 Junior $2705 Senior $3265 “Students who are late with their payments or who default on their payments may have trouble getting an auto loan, renting an apartment or even getting a job. Bad credit can also push up auto insurance rates,” says Larry Chiang president of United College Marketing. Be wise with your decisions. Most credit cards average a 17.5% interest rate. If you owe $2500 on a charge card and make payments of $50 a month, how long would it take you to pay it off? Try 89 months! That equates to approximately 7 ½ years and $1950 in interest. If you pay $100 a month it will take you 32 months to pay off your credit card – almost three years and $700 in interest. Either way you pay more than what you charged on the credit card. Give yourself a break and forego the credit cards for now. While it is great to get the latest CD or DVD, six months from now, will it be worth it? Will it improve your quality of life? Will it help you earn better grades? Not hardly. If anything, it will provide you with unnecessary stress. You will have the rest of your life to owe the banks and department stores. There will always be a new CD, DVD or car, that you will want. Before you take up the offer for a credit card, charge on a credit card or purchase a car, visit this website to learn how much you will really pay and how it can impact your financial future, www. cardratings.org. (Sources cited from USA Today, July 25, 2002; March 12,

Housing Options:
One of the important things you will need • Commuting, especially during exams to think about in the academic year is and missing out on study groups your living situation. Many students choose to live at-home with their parents, Living on campus The positives: while others choose to become a part of the school community by living on cam• More involvement in campus activipus. There are also those students who ties decide to branch out into independent • Close proximity to resources at all living and rent an apartment or share a times house with other students. Whatever Creating your own space without the decision you make has its pros and cons. • We have taken the time to come up with hassle of your parents some of the positive and negative factors The negatives: you will have to consider in all three liv• Having to make compromises and ing situations. accommodations with roommates Students living at home • Being away from home and family The positives: Little or no financial responsibility for rent & utilities • Comfort of home (own room, homecooked meals, easy laundry access) • Financial assistance from parent/guardian The negatives: • Lease agreements typically last for a year and can be difficult to break • Increased bills and financial constraints • Having to work longer hours to maintain finances • Loss of valuable study time to work more • Often, you’re dependent on a roommate who could have money management issues By keeping all of this in mind you can make an informed decision regarding your living situation in order to ensure that it complements your study-habits and contributes to your academic success in the upcoming year. Visit your financial aid office for information on what they estimate the different housing option costs to be. The Washington Education Foundation depends on the budget amounts they use in calculating your Achievers Scholarship amount. Budget accordingly!


Living in an apartment The positives:

• • •

Increased sense of independence and responsibility Ability to create your own living space and “rules” Not having to deal with another body in your personal space.

The negatives: • Lack of privacy

Volume 2, Issue 1

Page 3

Know The Rules!
Now that you are in college there will be some unspoken expectations. If you did not attend early orientation or early registration at your campus you have more than likely missed out on a lot of information. Be sure to attend fall orientation. This is the one occasion when the incoming freshman class is provided with all the information that you will need to know to function on campus. Here are few things you should know when you step onto campus this fall. The Course Catalog./Bulletin:
This contains all of the information you will need concerning your college. Course offerings, descriptions and major area of study are included in this book. Also, it contains the grading policy, add/drop policy as well as the academic year calendar. For most students this is your contract for required courses toward your degree. Be sure to check with your academic advisor concerning requirements and how to attain this book. The Syllabus: The syllabus outlines the expectations of the class. Assigned readings, class attendance, exams, quizzes, term papers and grading scale and policy for the class is presented. Faculty are usually very clear explaining what will be expected to earn an A, B or C grades. Most faculty also list their office hours, office location, telephone numbers and email addresses. Keep this document as it serves as a contract of what will be expected of you as a student in that particular class. Satisfactory Academic Progress: All Achievers Scholars are expected to meet Satisfactory Academic Progress at their schools. Be sure that you understand your college’s Satisfactory Academic Progress (SAP) requirements. You must maintain a good record to continue receiving Federal grants and your Achievers Scholarship. Typically, most colleges require you to successfully complete a certain number of credits (typically 12 credits) each term and maintain a Grade Point Average (GPA) of at least a 2.0. It is to your advantage to complete all of your courses and to keep your overall GPA as high as possible. If you have any questions about Satisfactory Academic Progress requirements at your college, ask at your financial aid office. You can also ask your college mentor! Last but not least, Achievers Scholars Expectations: This document spells out the Foundations expectations of you as a college student. Keep a copy of this document for your records.

Enhance Your Educational Experience
What do you have planned for your future? Regardless if you want to pursue a career after receiving your Bachelor’s degree or you want to pursue Medical, Law or graduate school, consider getting involved in Service Learning projects and/or explore opportunities that will allow you to travel abroad, serve your community, serve your campus. school students; assisting in environmental clean-up; working with Habitat for Humanity (this is the program that helps families to build their own homes); providing vaccinations to children in third world countries or you may consider working with the homeless. friends, expand your network of contacts and build your resume. Some programs are offered during the summer and/or the December Holiday season as well. If something like this is of interest to you, check with the student clubs or student organizations on your campus and learn how you can become involved.
You should also check with your career centers to learn about summer internships with some of the leading businesses in the state, such as: Microsoft, Boeing, Paccar, Costco.

While not glamorous, in some cases, it is certainly a worthwhile experience. You will find that an experience such Service Learning projects can take you around the state, throughout the as this, will provide you with a different perspective regarding your college Pacific Northwest , throughout the nation and in some cases, out of the career. You will have the opportunity to learn from those that you are servcountry! The projects involved can include tutoring grade school to high ing while at the same time make new

Work-Study Positions Available
Will you be returning to the Puget Sound area to continue your studies this fall? Would you like to work for the Washington Education Foundation? We are located in Issaquah approximately ten miles east of Bellevue. We will have three positions available beginning September 1, 2002. Scholarship Team Assistant, Special Events Assistant and Hometown Mentor Relations Assistant. We are looking for bright, caring and energetic young persons to assist us in serving students both at the high school and college levels. Attention to detail, organizational skills an excellent work ethic and a cheerful personality are traits we are looking for in the person we hire. Pay range is $10-$12 per hour plus transportation reimbursement. This is a part time position with a twenty hour work week maximum. If you are eligible for work-study employment we will also have positions available at some of the 16 Achievers High Schools. Please contact Kelly Fagan at 1.877.655.4097 to find out more information about the positions.

Washington Education Foundation
Washington Education Foundation 1605 NW Sammamish Rd. Issaquah, WA 98027 College Relations Team: College Relations Team: Pamila Gant, College Relations Officer Pamila Gant, College Relations Officer Takiyah Weekes, College Relations Assistant Takiyah Weekes, College Relations Assistant Phone: 877-655-4097 Phone: 877-655-4097 Fax: 425-416-2001 Fax: 425-416-2001 Email: pgant@waedfoundation.org tweekes@waedfoundation.org

Summer Reading... Before you head back for the classroom, ignite your imagination!
Remember in the last issue, we encouraged you to pick up a book and read before school resumes this fall? Maybe the last list did not catch your fancy. Here is an additional list of books you may consider for your late summer reading pleasure: Daughter of Fortune by Isabelle Allende. A very good read, this novel includes history of San Francisco. It's about the life of a strong woman growing up from abandonment during the gold rush and crossing the ocean from Chile. It has all the drama that goes with love, challenge, courage and freedom. An awesome book! Tired of being "poor white trash," Bone longs to escape from her town, and especially from her stepfather, Daddy Glen. Way Past Cool by Jess Mowry A shocking and engaging story of young men involved in gangs in Oakland, California. The Red Tent by Anita Diamant This novel is an insider’s account of the lives of the women in the Bible. Dinah, Jacob’s only daughter and fascinating storyteller, shares tales of her four mothers, Rachel, Leah, Zilpah, and Bilhah. nuclear war. A topical book in these times of nuclear testing amidst attempts to end all nuclear war capabilities. Snow Crash by Neal Stephenson Los Angeles is portrayed in the not-toodistant future in this cyberpunk novel. If you have a taste for the bizarre, read this or The Diamond Age by the same author. Jasmine by Bharati Mukherjee A village girl from India moves to New York and then to rural Iowa. Read how she sees and interprets America and how she changes into an American woman. The Things They Carried by Tim O'Brien. A foot soldier during the Vietnam War recounts his experience through a masterful series of interconnected short stories. Rather than merely retelling events, his stories and memoirs explore the subjective nature of reality and the ambiguities of the human heart.

The Coldest Winter Ever by Sistah Souljah Fall on Your Knees by Ann-Marie Mac This novel shows the deeper meaning of Donald. A riveting tale set in Nova Scobeing the daughter of one of the most tia around WWI, Fall on Your Knees is a prolific crime families involved in the story of a family bound together by terridrug trade in Brooklyn. You won’t ble secrets, murder, birth, death and forget Winter nor will you want to live forbidden love. her life. Bastard out of Carolina by Dorothy Lucifer’s Hammer by Larry Niven and Allison Jerry Pournelle Bone is the illegitimate daughter of a A comet strikes the earth and begins a woman who marries an abusive man.

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