2012-13 college parents handbook for student success - chegg

7/31/2019 2012-13 College Parents Handbook for Student Success - Chegg

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Eght Decsos Parets ad Studets Should Mae Beore Begg CollegeHow oten should our student come home during the frst semester?Talk to your student about the benets o staying on campus as much as possible during the rst semester. Beoreclasses start, come to an agreement on when to take the rst visit home. Being on campus on weekends helps students

make social connections and eel more connected and engaged in campus lie.

What are the house rules/expectations going to e when our student does come home?Students need to know the house rules and expectations when they come home to visit. College students are in chargeo their own liestyle they do not have curews, they stay up late, and eat when and what they want. Plan or thatrst trip home whether it is or a weekend, Thanksgiving or winter break. Parents cannot expect students to step backinto a high school liestyle. But do not abdicate all responsibility; agree together on a reasonable curew, expectationsto help out at home, when to eat meals with the amily and other matters o importance.

How, and how oten, should ou communicate with our student?It is easy to communicate instantly and oten these days through cell phones, text messages, Facebook and other ormso social media. The rst ew days at school may be dierent, but you should settle into a routine. Make a plan or howoten you will communicate. There is no right answer or how much communication is right although beginning to letgo is an important goal.

What will our student do with Wor-Stud earnings?A piece o many students nancial aid package is Federal Work-Study. Although it is considered part o nancial aid,it is paid directly to the student as earned. You and your student need to agree on whether or not this is consideredspending money, textbook and supply money or unds or tuition.

Will our student have a car on campus?Many colleges do not allow rst-year students to have a car on campus, or at least discourage it. This may be or saetyreasons, to encourage the student to stay on campus or because o parking limitations. I your student will be bringinga car to campus, have a discussion about expectations. Who will pay or insurance and gas? Are there any limitationsto using the car? Can others borrow the vehicle? The student should be prepared to use it responsibly.

Will the student have a credit card?Many college students acquire debt, not only through college loans, but also through the use o credit cards. Make sureyour student understands who is responsible or paying the credit card bill. Discuss whether or not you are willing to

help out i the balance gets too high. Students should understand the principle o interest and how quickly costs canincrease. Discuss the importance o a strong credit history.

How will personal fnances e handled?Students should have a clear understanding o how much responsibility they have or their expenses. Some parentsprovide spending money, and others expect their children to earn money to cover expenses. Make sure the studentknows how to responsibly spend money. Some parents provide weekly, monthly or lump sums or their student tomanage. Does the student understand what happens when the money is gone? Some parents provide extra unds,and others may help with a loan. I you are willing to make a loan, what are the expectations or repayment?

Do ou expect to see grades?The Family Educational Rights and Privacy Act (FERPA) requires that all nancial and academic inormation goesdirectly to the student. Discuss early whether or not you expect to see your students grades. Make sure the studentknows whether or not you expect certain grades or a certain GPA, and what will happen i these expectations are not

met. All parents hope that their student will not have problems in class or receive an academic warning or academicprobation, but what is the plan i that happens?

BEFORE COLLEGE

STARTS

Parents HandBook For student success3


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SAvinGS TOPiC

Pre-College Academic Credits

Stdent Loans

Grants and Scholarships

Travel

Boos

Electronics and Sotare

Money Management

College St

Health Insrance

TiP

Many students earn academic credit or classes completed prior to college.See www.AceNet.edu to learn how academic credit, training and experiencecan be transerred. See www.StraighterLine.com to see how academiccredit may be earned and transerred to college.

Parents with excellent credit may fnd that lower interest rates, among otheravorable eatures, accompany private student loans oered by banks suchas Sallie Mae, Discover and Wells Fargo or credit unions.

Both grants and scholarships are monies that do not have to be repaid.The fnancial aid ofce at your college is a great place to start yoursearch. Your student should never pay to apply or a grant or scholar-ship. Apply or College Parents o America Scholarships each year atwww.CollegeParents.org.

Students are eligible or specially priced travel through STA Travel andStudent Universe. Join www.StudentAdvantage.com or 10 percent savingson Amtrak trains.

Look into textbook rental options such as those oered by www.Chegg.com,www.SimpleTuition.com and www.BookRenter.com.

Students can save money with academic pricing on electronics and sot-ware. Beore purchasing these items, consider buying them rom schoolbookstores or www.AcademicSuperStore.com.

Students oten unexpectedly need cash or fnd themselves unaware thatthey are being charged ees by banks. Encourage your student to beginusing an electronic monitoring and budgeting tool such as www.Mint.com.

Do not pay twice or health insurance. Evaluate the cost o your am-ily plan versus individual coverage through a student school plan. Manycollege students can now stay on their parents health insurance plansuntil age 26.

Practcal Moey-Sag Tps

or College Parets

digital Version aVailaBle at www.collegeParents.org 4

BEFORECOLLEGESTARTS

Consider upgrading your Amazon account to PRIME status, and you willreceive ree shipping. This can save you money on care packages and otheressentials. Join UPromise or generous and relevant rewards programs.

Tip

Yo thin everything is perect. Yo are setto send yor stdent o to school. Then ithits yo. That horrible Oh Nooo! moment.Ho are yo going to get all this st toschool?! Do not orry. There are collegemovers lie .DormRoomMovers.comith proessional, aordable services toget everything rom home to school. No

relax. Everything is perect again.


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PAYinG FOR

COLLEGEFudg Alterates

Smart use o nancial aid, student loans and Parent PLUS Loans are essential igredients

or success. Beore enrollment, consider the entire our- or ve-year cost o attending

college. Prior to taking out a student loan, recognize that repaying the loan may be

aected not only by the college chosen, but also the students major and potential

earnings ollowing graduation.

Here are several things to keep in mind while seekingstudent loans:

n

Talk with the borrower about the decision to borrowstudent loan money or this academic program or in-stitution, given the students long-term plans.

n Review the loan amount. Borrowing less, wheneverpossible, is always a good decision.

n Exhaust Federal Staord Loans rst. Make sure thestudent borrower has reached the maximum amountbeore turning to private student loans. The StaordLoan is a xed-rate, government-backed loan that doesnot require a co-signer.

n Beore choosing a PLUS loan oered by the ederalgovernment, evaluate your alternatives. There are manyprivate student loan options that provide attractiverepayment terms or amilies.

n Discuss when payments will start. Most private studentloans begin repayment six months ater leaving school.Remind the student when the rst payment is due.

n Consider making interest-only payments while in school.This can save money over the term o the loan.

PLAN, PAY LESS AND PAY BACk AT www.SIMPLETuITION.COM


common mYtHs

There is no ay I ill qaliy or nancial aid.This is ar rom the truth in most cases. Two-thirds(66 percent) o todays students receive nancialaid, so many amilies pay less than the colleges

list price. Even amilies with incomes o more than$100,000 can qualiy or nancial aid, particularly

or private colleges. In order to receive nancial aid,complete the Free Application or Federal Student

Aid (FAFSA) orm.

Parents maing large incomes shold neverbother to complete a FAFSA.

Not true. While you might not qualiy or need-basedaid, completing the FAFSA will allow you to borrowas much money as you need through unsubsidized

Parent PLUS Loans and unsubsidized Staord Loans.Filing a FAFSA is oten required or merit scholarships

awarded by colleges.

Stdents shold be independent o parentsin order to qaliy or more aid.

At one time this held true. Now, unless there arevery unusual and compelling circumstances

surrounding a students nancial situation, this isno longer possible.


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BUY. SELL.SWAP. SHAREwithin your campus community


8/48Parents HandBook For student success7


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PAYinGFORCOLLEGEAnDPROTECTinGYOURinvESTMEnT



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Moey-Sag Tps or ParetsAvoid liquidating important assets to paor college.Keep this mantra in mind: I can always borrow or college,but I can never borrow or retirement. Avoid tapping intoyour assets, especially retirement savings. I you nd thatyou cannot pay or college out o your normal income and

529 plan (i you have one), and the colleges nancial aidis not enough, consider unsubsidized Staord Loans, ParentPLUS Loans and private student loans to help protectlong-term nancial security.

When it comes to fnancial aid, the earlird gets the worm.Financial aid is oten distributed on a rst-come, rst-served basis. File the FAFSA as soon as it is available andmake corrections as needed ater ling. Do not wait untilyour taxes are done. Use the previous years tax returnand provide best guess answers in order to secure yourplace in line. The ederal government hosts a ree serviceat www.FAFSA.gov, or you can pay or a proessionaladvisor at www.FAFSA.com.

Whenever possile, undle our ids in college.Families with two or more college-bound students close inage should consider having them attend the same collegeat the same time. Multiple tuition bills can signicantlylower the expected amily contribution and potentially o-set the cost by taking a year or two o o tuition.

Have students contriute fnanciall to theircollege degrees.Students are the sole beneciaries o a college education,so have the student do the initial round o borrowing.Facing the prospect o added debt with every year opost-secondary education may encourage your student tograduate in regulation time. Though ederal loans allowor the deerment o payments, making a small monthlypayment while still in school teaches responsibility.

Learn how to und the gap in aid oered our school.The nancial aid award letter you receive will spell outthe grants, scholarships, work-study programs and ederalstudent loans awarded to the student. Most amilies haveto ace the question o how to und the gap the dierencebetween the nancial aid package and the actual costs.Find the Funding Gap Estimator at www.SimpleTuition.comor www.CollegeParents.org/FinancialAid.

Research PLUS versus private loans.PLUS loans are the responsibility o the parent. Althoughadvantageously structured with relatively ew creditrequirements, parents with a good credit score may ndthat PLUS loans cost more than other private lendingalternatives. Private student loans place the primaryrepayment responsibility on the student, but they usuallyrequire a co-signer. Check with your nancial aid oceor speak with private lenders such as Discover, SallieMae, Wells Fargo or credit unions to compare terms.

Other Mone-Saving and Gap-Closing TipsYou can divide your estimated amily contribution intomonthly payments instead o making a large lump-sumpayment. Interest-ree tuition payment plans are avail-able at hundreds o college campuses. Visit your school

website or more inormation.

Continue to apply or additional scholarships. Use com-mercial-ree online services such as those oered bywww.MyCollegeOptions.org or www.ScholarshipAmerica.org.Do not pay or scholarship search services and remember toapply or the annual College Parents o America scholarshipawards oered by www.CollegeParents.org/Scholarships.

Be careul when considering alternative nancing. Giventhe recent decline in home values, home equity is no lon-ger a reliable alternative. In a Wall Street Journalarticle,Jessica Silver-Greenberg warns some amilies resort toriskier strategies to nance a childs education, takingout certain kinds o loans such as margin loans onbrokerage accounts or passbook loans that allow parentsto borrow against savings accounts.

Protectg Your iestmetMost colleges do not provide a complete reund i a student

aces an unexpected need to withdraw that is a result o amedical situation, accident or illness. Though some schoolsmay provide a partial reund or tuition up through the thweek o school, ew schools reund the costs beyondtuition, such as books and academic ees. Consequently,students may benet rom having a minimum level o tu-ition reund insurance. Note that tuition reund insuranceis not drop-out insurance. It protects the students amilyrom the loss that may result rom a medical withdrawal.

Tuition Protection Checlistq Determine what reund amount, i any, you will

receive in the case o a medical withdrawal due

to an unexpected injury, accident or illness.q Determine how much tuition insurance you

will need to protect your investment or eachacademic term.

Tuition Payment

Room and Board

Books and Academic Fees

Total Potential Non-Reunded Loss

Compare plans. Your school may oer a sponsored plan,or you may receive a special oer through other services,such as a student loan or student health insurance plan.

Tip

Even i yor school rends 100 percent o tition,remember that tition insrance generally providesprotection or the loss related to other academiccosts sch as academic ees, boos and roomand board. As a reslt, nearly every stdent illbenet rom having at least some tition insrance.Membership in College Parents o America provides$5,000 o annal tition insrance coverage.Additional coverage may be prchased at.CollegeParents.org/Tition.



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Maagg College CostsCollege is expensive. There is no way around it, and noargument about it. Tuition and ees are high, the cost otextbooks has skyrocketed and there are more unexpect-ed expenses than you anticipated. Sometimes parentspay all costs, sometimes students pay costs and otenparents and students together share the burden. Some

costs are xed and some are fexible.

Hopeully youve discussed costs and expenses with yourcollege student and helped create a budget. Whether youwill be sending them spending money or they will beresponsible or their own nances, there are some thingsthat your student can do to keep expenses in check.

n Create a budget. Having a plan will help studentsknow ahead o time what they can aord and wherethey may need to cut corners.

n Track spending. One o the most eye-opening andhelpul things that students can do is to write down

everything they spend. Keeping a small notepad orlist on their computer or phone and jotting down eachexpense, no matter how small, will give them an ideao where their money is going. They may be surprisedto discover how quickly little expenses add up.

n Consider whether a car is essential. Having a car oncampus may not be an option or your college student.But i it is, encourage careul thinking about whether itis really needed. I the car isnt necessary, encourageyour student to consider the cost o gas, insurance anda parking pass. Perhaps leaving the car home or a yearand taking it o the road to save on insurance costsmakes sense.

n Use the meal plan. I your student has a meal plan thatincludes a certain number o meals, remind him or herto use the campus meals rather than eating o-campus.I students eat many meals at restaurants or take-outand leave unused meals on their plan, they may bepaying twice.

n Consider alternatives to buying new textbooks romthe college bookstore. Many used books are availablerom other students, the bookstore or online.

n Take advantage o all o the resources the collegeoers. Use college tutoring services, health services,counseling services, ree concerts, plays, trips, events

and tness acilities that are included with your tuitionand ees. Encourage them to get their moneys worth.

n Use college printers i costs are included in tuition andees. Even i students bring their own printers tocampus or convenience or emergencies, encouragethem to make use o ree college printing whenthey can lower the costs o replacing expensive toners.

n Think about cell phone charges and extras. Be awareo charges or extra minutes or texts. Consider Skypeon the computer to reduce minutes.

n Consider the true cost o college drinking. Collegestudents drink. Some college students drink a lot.There are many reasons that your student shouldthink careully about his or her drinking habits, and wehope youve had several conversations with yourstudent about drinking, health and the dangers that

may result. However, aside rom the many other actors,drinking costs money. Once again, i your student keepstrack o the true costs, he or she may be surprised to seehow much o his (or your) money is being spent.

n Use in network ATMs and avoid paying ATM with-drawal charges.

n Minimize the use o any credit card. Finance chargesadd up quickly. Remind your student to use a creditcard judiciously and to pay the balance each month.

n Find and spend time with other students who havea similar mindset. Your student may be surprised to

nd how many other students are also trying to savemoney and curb expenses. Spending time with thesestudents, sharing possible tips and generally sup-porting and encouraging each other will help. Yourstudent wont eel so alone in the struggle to save.

How much money your student nds that he or she cansave will depend on many actors. Some schools oermore ree services than others. Some schools mayhave more expectations than others. However, studentsmay nd that with some encouragement and some cre-ativity, they can nd many ways to cut some cornersnancially. Whether this becomes a challenge, a gameor a hardship will depend on their attitude. As a col-

lege parent, you will need to step back and let themexperiment. Financial independence is just one o themany orms o independence that comes with the col-lege experience. You can, however, encourage them andsupport wise nancial decisions. Hopeully, your studentwill learn and develop habits that will last a lietime.

Essential Tips

Encorage yor stdent to enroll in Mint.com, hichis oned by Qicen, a ree application and bd-geting tool that atomatically tracs all electronicacconts and provides a nancial dashboard oryor stdent.

Evalate stdent specic discont programs schStdent universe (disconted stdent travel) andStdent Advantage (10% o Amtra and other goodsavings oers).

Financial sel-reliance o or stdents is a goal ormost parents, so the ey is to develop habits inyor stdents that spport prdent spending andnancial habits.




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ID THET

n Only 21% o students are concerned about ID thet. (Uni-BallCampus Security Survey)

n People ages 18 to 24 are at the greatest risk or identitythet because it takes them longer to gure out that theyhave been derauded. (James Van Dyke, president oJavelin Strategy & Research)

HEALTH CONDITIONS

n 12% o college students withdrew or had a close riendwithdraw during the past two years due to a medicalevent or amily death. (Spring 2012 Student MonitorFinancial Services Survey)

n The Fall 2011 American College Health Association National College Health Assessment Reerence GroupExecutive Summary reported:

4.9% or more than 900,000 college students have achronic health condition.

1.8% or more than 300,000 college students experi-

enced mononucleosis.

11.5% or more than 2.1 million college students were

treated or strep throat.

LOSS O AMILy MEMbERS/RIENDS

According to the ACHA-NCHA II Reerence Group ExecutiveSummary Fall 2011:

n 15.5% o students ound the death o a amily memberor riend traumatic or very dicult to handle over thelast 12 months.

n 5.5% say that the death o a amily member or riendhad an impact on their individual academic perormanceover the last 12 months.

VIA STUDENTS O AILING MOTHERS & ATHERS

n Between 35% and 48% o college students lost a amilymember or close riend within the last two years. Be-tween 22% and 30% o college students lost a amilymember or close riend within the last year. (Balk, 1997;Wrenn, 1999; Balk, Walker & Baker, 2010)

Accordg to recet research rom Georgetow Uerstys Ceter o Educato ad the Wororce, oer the ext decade, there wll be 31

mllo job opegs that wll requre at least some orm o educato 9 mllo ewly created jobs, alog wth 22 mllo jobs rom baby

boomers who are retrg. Roughly two-thrds o those jobs wll requre some orm o educato or ormal trag beyod hgh school.

People wth a assocates degree eared less tha those wth a B.A., o aerage. That s stll true. The derece s about $500,000

to $600,000 throughout a career. Oer the course o a letme, a college degree s worth a extra $1 mllo eargs oer a hgh

school dploma.

Howeer, remember the derece eargs betwee oe major ad aother ca be more tha 300 percet. As a result, college parets

ca help ther studet tremedously by adsg them to est approprately ther chose major ad most o all, to complete ther degree.

rememBerCollege is Worth it



STUDEnT LiFE AnD HEALTH


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TRAnSiTiOninG

TO COLLEGEOercomg Frst Semester Challeges

The rst year is a time o transition or everyone. Here are nine major challenges many

college students encounter during their rst semester. Consider how you can best help

your student gain mastery and independence in these areas.

Academic ChallengesMost students understand that college will be dierent and harder than high school, but many do not realize howmuch so. Consequently, they are taken o-guard by the academic dierences. Help your student look at course syllabi,talk to teachers and look careully at the assignments and amount o coursework required.

Social ChallengesCollege students begin a college career with a clean slate and will need to recreate their social world. They need tomake new riends, negotiate lie with a roommate and once again be at the bottom o the school hierarchy. Your studentwill likely eel social pressure to make riends, join groups (ocial or unocial), nd orms o entertainment and makedecisions about alcohol, drugs, sex and other social activities. Help students anticipate these pressures so everyoneconcerned can think careully about what is most important.

Challenges o ResponsiilitCollege students are held accountable or their actions. They need to make the best decisions about studying, eating,socializing, nances, health and managing time. You will still be an important source o support and advice, but theyneed to assume the ultimate responsibility (and consequences) or their actions.

Challenges o IndependenceYour student may live a long distance rom home and have diculty adjusting to the many changes. For students whocome rom close amilies, this is a major transition. They must manage their money, health and day-to-day existence.Students may make decisions that you, as parents, will not know about and can not control. The more that you can doto encourage this independence, the sooner your student will become comortable.

Lie ChallengesMany students heading o to college have not had to cope with general lie skills prior to their reshman year. Help yourstudent understand how to use a credit card responsibly, how to balance a checkbook, how to budget and how to shopor ood. Buy a good alarm clock. Help practice basic cooking skills and how to do the laundry beore leaving home.

students witH disaBilities The Amercas wth Dsabltes Act s a cl rghts law that protects studets

wth dsabltes rom dscrmato. Schools are requred to prode dsabled studets wth accommodatos that help them lear most

eectely. Studets wth physcal ad metal challeges, cludg learg dsabltes, are elgble or accommodatos school

geeral, ad durg examatos partcular. i your chld has ay dsablty we ecourage you to cotact the studet aars ofce at

your campus or assstace.



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Phsical ChallengesA college students liestyle changes dramatically. Your student may ace the dreaded reshman 15 the weight gainthat so many new college students ace rom college dining, increased snacking/junk ood and stress. Students whowere athletes in high school may no longer play sports or get enough exercise. Students are notorious or their lack osleep. When they become ill at school, they must take care o themselves and/or seek help rom school health clinicsor care. They ace decisions about alcohol and drugs. Encourage them to think about what they eat, to know how tocontact the health center, to continue to get exercise and to try to get enough sleep.

Time Management ChallengesCollege students spend less time in class and are expected to do more coursework outside the classroom than they didin high school. Coursework is oten given in larger chunks rather than smaller daily assignments. Students spend lesstime in structured activities. Many students have on-campus or o-campus jobs. Help your student think about howto keep track o obligations and assignments, how to break large assignments into meaningul pieces and how to sayno to activities when there is a need or study or sleep. Encourage your student to nd a good planner or calendar either on paper or on a smartphone or tablet and use it to keep track o assignments, deadlines and appointments.

inancial ChallengesTuition and room and board are expensive, but so is daily college lie. Students oten spend hundreds o dollars eachsemester on textbooks. Students also need to urnish dorm rooms, snack, eat out, go to movies, shows, concerts andparticipate in on-campus activities. Help them think about handling money. What about their responsibility or expenses?Explain what will happen i a bank account is overdrawn or there is no money to pay a credit card balance. Makenancial independence a goal.

The Challenge o balanceHelp your student realize that college means constantly juggling. Learn to be fexible and aware. Balance academicswith a social lie, the need or sleep, the need or study and/or un, individual desires and a budget. Students juggleindependence with the need or the security o home, reedom and responsibility. As college parents, it is easy to eeloverwhelmed when considering the many challenges that students will ace during the rst year o transition. Expectsome rocky times throughout the rst year. Take pride as they ace and master these challenges.

How to Mae Moe-i Day a SuccessYour students college may send you inormation aheado time. Here are some suggestions that may help to

make the day go smoothly.

n Be early. No matter what time you are told to arrive,try to be just a bit early. As the day progresses, parkingmay become more dicult. Do not arrive too early. Ithe school has assigned you a specic time, you mayend up sitting in your car waiting.

n Be prepared or a chaotic day. Count on it. It will beconusing and exhausting. Be prepared. Be fexible.Be patient.

n Ask what the procedure is or the day. There may becarts or moving belongings. The school may ask youto pull up and unload your car and then move the

car somewhere else. There may be an army o studentsavailable to help unload and carry things.

n Let your student take the lead in dealing with issuesand questions. Students should learn to do the talking.I a question arises, nd the residence assistant to getthe answer. This is the students opportunity to takecharge o a new lie.

n Do anything that your student does not need to dopersonally. Anyone can buy an extension cord romthe bookstore. Let a sibling buy lunch.

n Complete a room damage orm report (including chippedpaint, broken light xtures, damaged urniture, nail holesor scratches on the foor) so there will not be a charge

i the damage occurred beore your student moved in.

n Introduce yoursel to your students roommate and amily.It is reassuring to know that you can contact someoneelse i you ever have trouble reaching your student.

n Oten, the rst person in the room will make thechoice o the best bed. Help your student think about choosing a bed, closet or side o the room. Your studentmay want to wait until the roommate arrives to discuss this. Be careul not to alienate a roommate bytaking over the descussions.

n Do not set up the room. Let students make their owndecisions with their roommate.

n Do not put too much pressure on this moment by givinga last lecture or expecting a student to react in anyparticular way.

n Do not plan on taking your student out to a celebratoryamily dinner; do it the night beore you leve.

n Do not linger. Many colleges actually have a arewellceremony o sorts to help dene the moment o leav-ing. I not, use your judgment. Once students are movedin, head out so that they can settle in on their own.Your student may seem nonchalant when you leave.This may be a method o dealing with emotions; itdoes not necessarily mean they do not care.

when yo visit, tae their riends ot to eat!

Its a great ay to get to no ho is important

in their lie and pt names and aces together

hen taling ith yor child.Laura H Parent o University o Georgia student


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College Parents of America thanks UCLA, CIRP and HERI for their leadership in promoting student success.

TRAnSiTiOninGTOCOLLEGE




Famly WeeedAt Family Weekend, students show o their room and avorite placeson campus. Meet their roommate and riends, meet a ew proessorsand allow them to show you how their new lie is going. Parents otenleave Family Weekend with a better sense o the school experiencerom the perspective o the student, as well as the reassurance that thestudent is enjoying the experience.

Tipsn Get it on yor calendar. Do not miss it.

n Register or events. Inormation abot Family weeend,inclding a schedle o activities, is sally availableon the college ebsite. Parents may receive inormationabot the event throgh the mail even as early as thestdents acceptance or deposit. Family weeend otenreqires advance reservations or registration especiallyor poplar events.

n Boo yor hotel early. Many local accommodations maybe booed months or even a year in advance.

n Listen and observe. This is yor chance to see ho thestdent is adjsting.

n Mae connections. Meet ith at least one employee sta,aclty or administrator that yo can ollo p ith i thestdent needs assistance.

Four Essetals Your Studet Must Tae to CollegeESSENTIAL #1 A Good Alarm Cloc (or To!)A huge part o success is simply showing up or class.

ESSENTIAL #2 A Good Day PlannerAs soon as students receive syllabi at the beginning o the term, makesure they transer all o the important dates to a planner, plan theirown deadlines and get organized or success. Many students use theirphone calendars to keep track o appointments. However, a good old-ashioned paper day planner may be helpul or writing down everyassignment due date, every test and every project.

ESSENTIAL #3 A Thmb Drive/External Hard Drive or CarboniteStudents are devastated when the work or a major research project islost because my hard drive crashed. I there is ever a grade dispute orquestion about a course, it may be important or the student to retrievea paper. Students in senior seminar or capstone courses are oten askedto refect on their learning or include some o their previous work in aportolio. Online services like Carbonite automatically back up les ona remote server, so even i a student loses a computer, all the les can

be restored.ESSENTIAL #4 A File BoxBe sure to save:

n Syllabi rom all courses. I students want to transer to anotherinstitution, they may be asked to provide a syllabus rom a course todetermine its content. All papers handed in and returned by theproessor, with comments and grade, should be kept. The studentmay want to reer to comments later to improve another assignmentor may need to produce the paper i there is ever a grade dispute.

n Major tests and assignments. These may be helpul or studyinglater or reviewing or a capstone exam. They may also be importantor documenting grades.

n Copies o all orms handed in to college oces until graduation.

n All correspondence rom the college.

Enroll at GradGuard.com/SPPor call 866.337.9128

*GradGuard is a service of Next Generation Insurance Group LLC.

Complete licensing information, product terms and conditions are

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Parent tiPCheck your school-reund policy.

In most cases ater week 5,

schools do not reund tuition or

ees. From medical withdrawal to

identity thet, the Student Protec-

tion Plan provides students and

their amilies real peace o mind.


19/48

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College students often need a mountain

of materials. From books, to furnishings, to

resources, the transition to college involves new

items of all sorts. But what happens when the need

for new things meets a meager budget? Where can

students comfortably acquire these items?

While th ere are several websites dedicated to sell-

ing and purchasing goods, Tina Snyder ran into

concerns when her college-aged daughter was

searching Craigslist for a new bike. Who, exactly,

was doing the selling? Where would her daughter

have to go to procure these items? Safety in mind,

Snyder was reminded of a marketplace a previous

employer had offered solely to the companys em-

ployees. What if this same system could be applied

to the college campus?

And so, CampusWall was born. Only those with .edu

email addresses are permitted access to the cam-

pus-specific virtual bulletin boards. Providing a safe

community to buy, sell, swap and share goods and

services, CampusWall is a vital resource for any

college student.

AffordabilityThe old stereotype of college students living on Top

Ramen and macaroni and cheese isnt always off

base. The reality is, most students are met with dollar

signs around every corner. From furnishing a dorm

room to paying for a seemingly endless supply of

textbooks, the word budget is familiar to college

students. Of course, these expenses come even be-

fore some of the larger transitions college brings;

even if dorms are furnished, apartments arent. And

what if, as with Snyders daughter, a student wants to

look into a new method of transportation, like a bike?Where can a student start searching, while also stay-

ing within budget?

CampusWall makes it easy for students to purchase

these items without breaking the bank. And when

they have items such as books that they arent go-

ing to use anymore (because that Economics book

may only be needed for one semester), students are

offered the opportunity to make a little cash back

by selling them. But books arent the only goods

that can be sold on CampusWall. Nearly anything,

from beanbag chairs to TVs, can be bought and

sold, making it easy to locate affordable amenities

or make some extra money. A happy budget makes

a happy student.

CampusWallThe Virtual Bulletin Board


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SustainabilityThe added pocket cash isnt the only green that

students experience through the site. For as many

items that students need, there are as many things

that are only needed for a brief period of time.

But, what happens when those items are no lon-

ger useful? What happens when that microwave, a

critical amenity in the dorms, is no longer needed

due to an apartment with a microwave already in-

stalled? Even Snyder noticed the stray microwave

abandoned on move-out day. With CampusWall,

students are given the opportunity to reutilize old

goods in place of tossing them at move-out. Rather

than creating more trash in the dumpster, an item

can skip the junkyard and gain a new home. Goods

dont always have to be sold on CampusWallif

a student is ready to get rid of something, even

without the pretense of a monetary exchange, the

opportunity to swap or simply share goods exists.

Ready to dump that mini-fridge? Offer it to some-

one who needs it! Who knowsmaybe they have

that bed frame for which your student has been

searching! CampusWall provides students with a

means to conserve resources through posting ride-

shares, as well, much like the bulletin boards of

years past. Recycling or reusing goods offers clear

environmental benefits to the usual trash-toss, giv-

ing CampusWall a clear place within the reduce,

reuse, recycle mantra.

CommunityBut selling, buying and swapping goods is only part

of what CampusWall has to offer. Because the ser-

vice is extended solely to faculty, staff and students

on a particular campus, CampusWall creates a vir-

tual community by not only connecting students

to others on campus, but allowing them access to

campus-specific services. Faculty members can

post on-campus job ads. Students can offer tutoring

services or homework help. Classmates can arrange

study sessions. These services enable students to ex-

plore campus through another medium, exposing

them to new people and networks within their own

college community. Even in the digital age, adds

Snyder, not everyone is super connected; there

are times when a student may not know the student

across the hall was looking to sell their calculus

book, or that a classmate needed help understand-

ing the course material. By offering campus-specific

posts, CampusWall acts as an extension of the cam-

pus community.

TrustSnyders initial concern was the safety of her

daughters in their search for goods. CampusWall

brings a sense of trust that only faculty and students

are able to access to post and buy goods or offer

services. Only valid .edu email addresses associ-

ated with the school are granted access to the site,

leaving parents and students alike with the peace

of mind that CampusWall is a service you can trust.

And rather than going on a city- or even state-wide

search, CampusWall provides students with the

convenience of a campus-local pick-up or drop-off

site when exchanging itemsleaving the exchange

to a location with which students are familiar.

Providing students with an affordable way to not

only save or make money, but to do so safely within

a community resource, CampusWall is a beneficial

tool for every college student. With over a thousand

students utilizing CampusWall at hundreds of insti-

tutions, CampusWall continues to grow as students

and institutions alike catch wind of its advantages.

To learn more about CampusWall,please visit www.MyCampusWall.com, or visit them onFacebook at www.Facebook.com/MyCampusWall.


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26/48

THE EARLY YEARS

Secrets to College Success

Students are individuals with unique strengths and weaknesses. They come rom

unique backgrounds and are placed in unique situations. There are tried-and-true

tips that help most students. Here are three good ones.


Atted Classn Just attending class is not enough, but it is an

important actor in academic success. Proessors noticewhether or not students are there. Some proessorslet students know at the outset o the course that toomany absences will aect their grade. But even thoseproessors who may not actively take attendanceoten notice who is not present. It is an indication thatthe student may not be taking the class seriously, or astatement that the student does not value what theproessor has to teach. Students who attend class, andwho use the opportunity to engage in discussion with

the proessor during, beore or ater class will beginto build a relationship with the proessor. When itcomes to grading time, the proessor will be able toput a ace and a name together.

n Students can make connections with other studentsin the class, orming study groups, sharing class notesand helping each other with assignments.

n Even i the student eels that the proessor does notadd anything to the material in the textbook, this is atime to learn more about the instructors style oteaching and special interests. This can be helpulwhen it comes time to take an exam or write a paper.

n A great deal o insight can come rom listening to a

proessor ampliy and clariy material and rom engagingin class discussion.

Get ioled o Campusn The old saying, i you want something done, ask the

busiest person applies to students too. The most suc-cessul students on campus are also those who aremost involved in various activities.

n Students who are involved in college lie are otenmore motivated and ocused.

n Athletes, student leaders, campus activists, club mem-bers and resident assistant are usually great students.

Engaged students maintain balance in their lives andgain perspective on why they are in college.

Reserve Ofcers Training Corps (ROTC)ROTC is an elective curriculum students can take alongwith their required college classes. The real value oROTC is world-class leadership training and experiencecomparable to the best MBAs or corporate managementprograms in the United States. Beyond paying tuition,many colleges also include room and board, living allow-ances and books. These students have a normal collegestudent experience, but when it is time to graduate, theywill have a job lined up and the opportunity to serve asa leader in the Army, Navy, Air Force or Marine Corps.

Source: www.Military.com/ROTC

Todas Gree CommunitFraternities and sororities have been in existence ormore than 200 years. They present college students withchances or leadership development, community service,academic excellence, networking and social engagement.There are hundreds o thousands o male and emalestudents active in raternity organizations in the UnitedStates. They oten nd a home away rom home and anopportunity to belong to one o the worlds largest lie-long, personal development organizations. Collectively,they donate millions o hours toward community service,raise millions o dollars or philanthropic ventures and

tend to have GPAs that exceed school averages. Thesestudents also tend to excel in business and governmentservice, making a strong showing as CEOs o Fortune1000 companies, politics and the U.S. Supreme Court.For more inormation visit www.FraternityIno.com andwww.SororityParents.com.

AthleticsMost campuses oer a variety o intramural sports pro-grams that are oten open to all students and oster asense o team work, camaraderie, school spirit and activeliestyle. I your student is interested in competing atthe collegiate level, the NCAAs 2012-13 Guide to theCollege-Bound Student Athleteis a great resource that is

available at www.NCAA.org.


27/48

On-Campus Support ResourcesHelp your student nd and use the appropriate on-campussupport systems.

PROESSORS I a student is struggling, the proessor canprovide help. When students eel a connection to a acultymember, the aculty may be willing and able to helpwith other issues as well.

ACADEMIC ADVISORS Students should eel ree to con-tact advisors at any time to talk about academic issues.

PROESSIONAL TUTORS Most schools have some kindo learning center or tutoring center that can help studentswith academic work.

PEER TUTORS Peer tutors can be a great help, not onlybecause they are procient in the subject matter, butbecause they have taken the course and know what the

proessor expects.WRITING CENTERS In the era o texting, ormal writingis a lost art. Most schools have a center where studentscan get help organizing, writing or editing their work.

COMMUNICATION CENTERS More and more schools areestablishing communication centers specically to helpstudents with speeches or oral presentations or classes.

LIbRARIES Research librarians can give students a tre-mendous amount o guidance about potential sources andways to investigate topics beyond Google and Wikipedia.

STUDENT ADVOCATES Many schools have sta membersavailable i the student has a question or concern that doesnot t neatly into any other department.

CAREER CENTERS The career center can be a great helpto students as they consider a major, plan an internship,

prepare a resume, look or a summer job, prepare orinterviews or search or a career.

WORkSHOPS Check the campus calendar or work-shops that cover study skills, time management, speechpreparation, date rape, campus saety, alcohol educationand stress management.

RESIDENCE LIE REPRESENTATIVES Resident assis-tant or residence directors are trained to help studentswith issues including academic concerns, roommateissues, social issues and personal problems.

CAMPUS MINISTRIES Students can nd support, guid-ance, comort and social connections through religiousorganizations. At smaller schools, there may be more

resources o campus.

COUNSELING CENTERS Students may just need someoneto talk to, or they may need serious, ongoing counseling ormedication. Most campuses oer proessional counsel-ing centers that are bound by condentiality.

HEALTH CENTERS Most centers are ully staed withproessionals who can provide immediate and ongoinghelp. Some have doctors on sta; others may have nurseswho make reerrals as necessary.

RIENDS Sometimes students simply need the ear oa riend. Ask them whether or not there is someone oncampus who can spend some time helping them thinkthrough an issue.

Lear Tme Maagemetn Good time management is a dicult skill to learn. During

the high school years, many students do not learn tomanage their time careully it is done or them.

n College provides students with independence andthe responsibility or using that independence wisely.Many classes meet only a couple o times a week or

even once a week. Many assignments are long-termassignments, with the assignment mentioned on asyllabus and then due weeks later. Students are ex-pected to plan accordingly.

n Chapters and projects may be assigned with no timespent ollowing up until several weeks later. Studentsspend only a ew hours a week in class and have manymore hours o ree time. Successul students learn to planahead and set deadlines and priorities or themselves.

n Break assignments down into manageable segments.

n Plan realistically or how much time it will take to reada chapter, write a paper, work with a group on a projector study or a test.

n Balance coursework, work time and social time. Donot plan to work 30 hours per week, go home everyweekend to party with riends and expect to do wellin class.

Tip Essential Apps/Sites

or College Studentsn Stay on top o a bsy schedle ith organizing apps

lie StdyTracer Pro, myHomeor or Stdios.

n Tae qizzes ith fashcard apps lie gFlash+or Mental Case.

n Call home sing FaceTime or Sype, or stay

connected sing Faceboo.n Tae better notes ith Livescribe, Penltimate,

EverNote or Share Yor Board.

n Exam Spport ith Andre Johnson can helpimprove concentration and overcome exam-related anxiety.

n Mae sre to be on time or that big test by singalarm cloc apps lie Sleep Cycle Alarm Clocor Alarm Cloc Xtreme (ree).

n Save money on textboos ith ebsites lie.Cash4Boos.net and .Chegg.com.

n By, sell, sap or share (ith stdent, aclty and

sta at yor school) at .MyCampswall.com.n Never lose a term paper ith data bac-p service

rom Carbonite.

n Stdents can protect themselves ith Circleo6,Camps Sentinel or .OnwatchOnCamps.com.

THEEARLYYEARS



28/48

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29/48

THEEARLYYEARS


Fath CollegeStudents do not leave their personal values and aithat the campus gate when they arrive as reshmen oncampus, as some might suggest. Even i your studentattends a religiously aliated institution, in their journeythrough college, students seek out valid ways o know-ing or themselves and a place to stand in the midst o

uncertainty around them. As a parent or amily member,be prepared: students are more likely to become seekersrather than dwellers, and become more willing to ques-tion what they considered essential to their aith whengrowing up at home.

College exposes students to new inormation, dieringvalues and a variety o religions. Many students arestrengthened by their aith tradition while others ex-plore alternatives or ignore it all together. But not allstudents turn away rom matters o religion and spiri-tuality over the course o their college career. In act,according to Harold V. Hartley IIIs, How College AectsStudents Religious Faith and Practice, in a nationalsurvey o 1,200 students, seven in ten o the college stu-

dents agreed that religion plays an important role intheir lives. A second study indicates that one in ourcollege students have become more spiritual sinceentering college, while only seven percent indicatedthat they have become less spiritual.

Parent TipDring orientation, nd yor aith commnity,i yo have one. This commnity can be a localsorce o spport and comort or yor stdent.

Dring a visit to camps, inclde yor amilytradition o attending a religios service in yoreeend plans. It can connect yor amilyto local resorces and also help yor stdentmaintain a connection to yor aith tradition.

Find these and more great book and resourcerecommendations just or college parents at.CollegeParents.org/Boos or.Faceboo.com/CPoAmerica.

The Prepared Parents Operational Manal

Marie Pinak Carr and her daughters

The Naed Roommates First Year SrvivalBoo Harlan Cohen and Cynthia Jenkins

Maing College Cont Patrick OBrien

Getting the BEST Ot o College Peter Feaver,Sue Wasiolek and Anne Crossman

Twitter Accounts to ollowYor Stdents university such as@ASU_Parents or @DukeNews

Yor Camps Nespaper such as

@TheCrimson (student news is also an authenticway to learn about student lie, crime reportsand other trends impacting your students.)

@Chegg the digital learning network ocollege students

@CPoAmerica just or college parents ocusedon the transition, adjustment and completiono college

@harlancohen author o The Naked Roommate,For Parents Only

@4CollegeParents or college parents providingservices to university parent programs

@CollegeParent tips and topics o interestand concern to college parents

@AterCollege topics on internships, careersand job searches or new graduates

@SimpleTition paying or college tools,including a student loan search engine, netcost calculators and more

@uPromise national savings and rewards pro-gram or students, graduates and their amilies

@CheapScholar - produced by Doug Schantz,a fnancial aid director and one o the bestfnancial aid experts to ollow regarding

every topic related to paying or college@AetnaStdent- a useul eed or everythingrelated to student health and college lie

@CollegeBlogs- Lynn OShaunghessy, author oThe College Solution, providing useul college tips

Popular hashtagsor parents to ollow include#CollegeParents, #StdentSccess,#PayingForCollege, #CleryAct, #FERPA

GREAT ADviCE BY OTHERS WE TRUST


30/48

GRADUATinG

Wll Your Studet Graduate O Tme?

You probably did your nancial planning based on the our-year timetable. Yet, accord-

ing to the U.S. Department o Education, only 36 percent o students graduate in our

years. Even those students who do everything that they should may hit roadblocks.

There are no guarantees, but students can increase the chances that they will graduate

in our years.


First, decide upront i the our-year graduation is themost important goal. Is it realistic? Is it the most crucialgoal? I your student is trying to balance other respon-sibilities work or responsibilities at home perhaps aour-year timeline is not practical.

Begin by avoiding, or at least anticipating, some o thethings that typically cause a slow down: poor planningand understanding o requirements, ailing classes, drop-

ping or withdrawing rom too many classes, changingmajors, attempting a double major/minor or transerringto another school.

Do the minimm reqired in all corseor:go to class,complete all work on time, adhere to all deadlines, workclosely with the advisor and take the appropriate numbero credits each semester. Your student needs to want tonish in or years. Some students might enjoy collegelie so much that they would like to prolong the experienceand delay the job decisions that are ahead. Keep the stu-dents eye on the prize and be clear abot the goals andaction plans necessary to reach those goals.

Read the college catalogcareully, paying close attention

to all requirements or graduation. What is the requirednumber o credits? What are the all-college or generaleducation requirements? What are the requirements othe major?

wor closely ith the academic advisor to be surethat the student is choosing appropriate courses in theproper sequence. Revisit and revise the plan each semester.Check the source and veriy rmorsrom other studentsabout requirements or changes in requirements or pro-cedures. Students oten get it wrong or may hear thingsout o context.

Determine the best credit loadper semester. I takingve courses always results in dropping a class or doingpoorly in one, perhaps our courses per semester is moreappropriate. Additional credits might be made up duringthe summer or winter intersession.

Practice time management sills. Wasted or unplannedtime may lead to extra time spent later.

Get started in a majoras early as possible. Exploringoptions can be a good approach, but as soon as your stu-dent has an idea or a major, get started. This will allowmore time to complete requirements i the student has achange o mind and decides to switch majors.

Evalate carelly hether the doble major/minoris orth the potential extra timeand money to com-plete. With careul planning, students may completea double major/minor in our years, but this requiresextra coordination.

Tae reqired corses as early as possible. No stu-dents want to be in the position o needing two requiredcourses that confict with each other or with somethingelse important. Work at maintaining balance so there isno student burnout. Being a serious student is essen-tial; however, there are other aspects to college that areequally important. Students should nd time or riends,extracurricular activities, dating, leadership opportunities,community service and activities that eed their passions.Finally, knowing when to add an extra semester, or an en-tire year, can make the process not only clearer, but moreattainable. Talk about the implications o this decision,nancially, emotionally and logistically.


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12

3

4

5

6

7

How Parets Ca Help a Studet TroubleStudents are generally resilient and will adjust andbounce back. However, sometimes problems persist. Iyou sense that a student is struggling with the collegeexperience, either academically or otherwise, here are aew suggestions.

WAIT IT OUT. You want to eel that you are doing your

parental duty, but sometimes, you may need to see ithings get better. Wait time can help your student realizethat problems may improve with time, or they may beable to nd solutions on their own.

OPEN A DISCUSSION WITH THE STUDENT. Be rankand specic in letting the student know why you areconcerned. Your student may be able to reassure youor explain the behavior that worries you. That may beenough to assure them that you are involved and readyto provide support. Encourage your student to stay oncampus and work through the issue. O course, this willdepend on the severity o your concern, but staying oncampus and dealing with issues may be better thancoming home and escaping the problems.

HELP yOUR STUDENT CREATE AN ACTION PLAN.Once your student identies the root o the problem,having a one-, two- or three-step action plan puts thestudent in control.

SUGGEST CAMPUS SUPPORT. Help students think aboutpeople on campus who can provide support. For aca-demic concerns, students might turn to an academicadvisor, instructors, a tutoring or writing center, otherstudents in the class or upperclassmen. For socialissues, there are resident assistants, orientation leadersor counseling centers.

Sgs Your College Studet is Trouble

Parents need to be careul not to assume the worst andnot to overact, but listen careully, watch or signs andcommunicate openly when the student is concerned.

n Your student calls home a lot

n Your student never calls home

n Your student wants to come home oten

n Your student never wants to come home

n Your student is resistant to returning to school

n Your student is negative about everything

n Your student is not participating in anyactivities or groups

n Your student is not going to class

n Your student is not completing projects

n Your student is getting low grades

n You notice a signicant weight change

n Your student has an excessive need or extra money

n Your student is not sharing inormation

HELP yOUR STUDENT IDENTIy THE ROOT O THEPRObLEM. Identiying the root o the problem is therst step toward making things better. Students may beoverwhelmed and need help with time management. Isthe course load too heavy? Are the classes too dicult?Is there a problem communicating with a roommate?Being able to name the problem will help in identiyinga potential solution.

VISIT yOUR STUDENT ON CAMPUS. You might suggestthat you come to campus or a visit rather than haveyour student come home. You will connect with eachother, but the student will avoid the eeling o runningaway rom problems. You will see things in the studentsown environment. I you eel that the students problemis serious, and you are worried about health or saetyissues, call someone on campus. Your call may be to anadvisor, a dean or a resident director. Because o FERPArules, college representatives may not be able to discussspecics with you, but you can at least alert someone tocheck on your student.

yOUR STUDENT MAy NEED A bREAk. Sometimes, inspite o everyones best eorts, your student may need abreak rom school to work on issues, nd balance, searchor a sense o purpose or perhaps just mature a bit. It maybe a last resort, but you may need to talk to the studentabout withdrawing rom school or taking a leave o ab-sence or a semester or longer. Talk about why this planmight make sense and the alternatives to leaving school.For some students, a break may provide the opportunityto reocus and return to school ready to succeed.

TipBe aare o hat stdent conseling

resorces may be available. Be aare othe schools medical ithdraal policy.

GRADUATinG



32/48

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Gettg a Job ad Fdg a CareerSome students are better prepared than others or the road to theirideal career. Help evaluate whether or not your student is using thistime to get ready or that rst job.

Using the Career OfceAlmost every college or university has an oce dedicated to helping

students nd a career that is interesting and will support them atercollege. Here are a ew o the things that your student may be able todo in the Career Oce:

n Participate in sel-assessment activities designed to reveal personality,abilities, strengths, interests and values.

n Learn more about the types o careers that utilize particular abilitiesand interests.

n Explore majors oered by the college and explore careers that relateto the various majors oered.

n Maintain and manage an ongoing le with cover letter, resume, letterso recommendation and reerences.

n Participate in workshops or receive individual help with cover lettersand resumes.

n Attend and participate in career airs when employers visit campus.

n Make use o a library o resources about careers and job openings.

InternshipsIt is increasingly expected that students will complete an internship.According to a survey conducted by the National Association o Collegesand Employers (NACE), nearly 50 percent o employers would like tosee an internship on a students resume.

n An internship can serve as a screening device or employers. Nearly36 percent o employers hired rom their own internship program.

n Students who complete internships may discover gaps in theirpractical knowledge which may aect their course selection in

subsequent semesters. They will have the opportunity to ll in gapsbeore they graduate.

n Your student will make important contacts and have an opportunityto do some networking which will be a benet when looking or apermanent job.

n Your student may earn academic credit.

n In addition to the university Career Oce, there are many quality onlineresources or nding internships, including www.Internships.com.

Networingn As many as 80 percent o employees say that networking helped themnd their current job. Encourage students to use every opportunity pos-sible to meet others and talk with passion and knowledge about uturecareer goals.

n Joining a proessional organization or honor society presents theopportunity to explore the realities o a career in that area. Studentshave the chance to read journals and ollow trends, to attend coner-ences, to meet other students with similar interests and to evaluatewhether or not to pursue this eld. When students are able to attendannual conerences or periodic regional events, they have the opportunityto network and hear about developments in the eld.

n Many associations oer seminars or webinars on important topics.

n Some associations oer internship opportunities.

n Many associations sponsor job boards or placement services.

GRADUATinG


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PROTECTinG YOUR

STUDEnTPreetg Thet College

Students need to be aware o how to take care o themselves, but they also need to

think about how to protect belongings rom thet. These days, many o the items that

students take to college are expensive: cell phones, laptops, MP3 players, bikes and

cars. All o these items are enticing, easily stolen and easily sold. Take some time to

teach your student about campus saety.


Make sure that important and expensive items are cov-ered by insurance. Parents should review their homeinsurance policies closely or certain limitations. Most

policies provide some coverage or students away atcollege, but they may limit that coverage to ull-time oron-campus students only. Renters insurance may be anaordable solution because ling small claims against ahome policy could result in higher rates or be subjectedto higher deductibles.

nDo not bring expensive items to school nless theyare necessary. One o the best ways to prevent some-thing rom being stolen at college is to leave it home.

nPersonalize items as mch as possible. Engravethem, personalize them with hard-to-remove stickersor use permanent marker.

nkeep a list o all serial nmbers in a sae place.

nGet to no other stdents on the foor.

nDo not let strangers into the bilding. Do not propsecurity or outer doors open.

nRemind yor stdent to loc the door hen not in theroom. Unortunately, many thets that occur in dormsare committed by insiders. A student should lock thedoor, even i only going down the hall to the bathroom orvisiting another students room.

nDo not fant or dra attention to expensive items.

nInvest in a good bie loc and loc car doors.

nDo not leave expensive items ot in the open especially in a car.

nkeep trac o bacpacs or laptop bags. Neverleave a bag unattended.

clerY act rePorts oF camPus crimeColleges ad uerstes are requred by law to report campus crmes

ad fres. The reports coer both o-campus ad campus-related alleged crmal oeses reported to campus securty authortes ad/or local

law eorcemet ageces. Loog through the Clery Act data collected by the Ofce o Postsecodary Educato ca help studets ad parets

mae more ormed choces about lg o or o campus. http://OPE.ED.go/Securty


35/48

Assessg Campus SecurtyParents can get an accurate picture o campus saety by talking directlywith security personnel, looking at the departments log and closelyobserving security systems around campus.

Campus Securit Checlist

ACCESS TO CAMPUS

q Is the campus open or is access to campus restricted, requiring youto stop and check in or show ID? I so, during what hours?

q Are all campus entrances and exits restricted, and how so?

SECURITy/POLICE STA

q Does the college campus police oce have the authority tomake arrests?

q What type o uniorms do ocers wear jacket and tie orpolice uniorm?

ACCESS TO RESIDENCE HALLS AND DORMITORIES

q Are the buildings locked? During what hours? Observe howpeople get in the building. Is the door propped open? Is itlocked? Do others let them in the dorm?

q What types o locks are used on exterior doors: push buttonpad, hard key or card?

AROUND THE CAMPUS

q Do you observe blue light emergency call boxes on campus?I you have an opportunity to visit ater dark, observeexterior lighting.

q Do you observe campus security/police ocers on patrol?Are they visible?

ALCOHOL

q What is the colleges alcohol policy?

q Are the dormitories and residence halls alcohol ree, or arestudents o legal age allowed to drink in their rooms? Doesthe college oer substance ree buildings, foors, etc.?

q What are the sanctions or violating the policies?

PARkING

q Does the college allow reshmen/rst-year students to havevehicles on campus?

q Are the parking lots well lit and regularly patrolled by security?

ESCORTS AND CAMPUS SHUTTLES

q Does the college provide personal saety escorts?

q Who oers the escorts security or a student group?

Parent TipSbscribe to the online version o the stdent or localnespaper to monitor crime and incidents on camps.

PROTECTinGYOURSTUDEnT


PslPpty

LbltyPtt Y Stt

rts is

Key eaturesinclude:

xb dbOpo low $100

rpm co

lo u Bf

Po lbPoo

Parent tiPIn 2010, 24,134 burglaries were

reported relating to college

students including more than

12,000 residence hall burglaries.

(according to ed.gov statistics)

Enroll at

GradGuard.com/CollegeRentersor call 866.337.9128

GradGuard is a service of Next Generation Insurance Group LLC.




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Student Health Checlistq Conrm the health insurance coverage requirements

o the school and determine i you can waive theexpense o buying the school-sponsored plan.

q Help your student identiy where your healthinsurance may be accepted to address commonillnesses or to receive emergency care.

q I you do not have access to a amily health insuranceplan, or your school does not oer coverage thatmeets your needs, evaluate the group policy oeredto members o College Parents o America atwww.CollegeParents.org/Health.

Essential TipYor stdent may be better o ith a lodedctible renters insrance policy.Visit .CollegeParents.org/Renters or.CollegeRentersInsrance.com.

Gettg Your Studets Health-RelatedDocumets OrderGet Emergenc College ContactsI you cant reach your student in an emergency, who willyou call? Once your child knows where he or she will beliving and with whom, maintain a contact list that includes

phone numbers or:q Your students roommate (or a close riend)

q Resident advisor

q Campus police

q Local emergency department

Dont assume the college will automatically notiy you in anemergency. Many schools require student consent beorecontacting a parent. Consider asking your students room-mate or a close riend to agree to contact you i your child isever hurt and unable to make the call himsel. I the riendagrees, program your number into his phone and oer tohave your child do the same or him.

Understand What your Insurance Covers And Doesnt CoverI your child will be covered by a parents health insurancepolicy, make sure you know the limits o that coverage. Theuniversity health center may accept only university-spon-sored health insurance, so your student may have to pay inull at the time o service and submit a claim or reimburse-ment. You may want to nd a local doctor who accepts yourinsurance and requires only a small co-payment.

I your student is going to a school out o state, he may notbe covered or any non-emergency care. In that case, youmay be better o purchasing a new policy that will coverroutine care on campus.

Compile a Complete Health HistorIn an emergency, you dont want to waste time trying toget a hold o your amily doctor or critical medical inorma-tion. Remember, once your student is 18 years old, healthcare providers will rely on their recollection o health is-sues (such as medication allergies or childhood illnesses)and will not need your consent to perorm surgery or otherprocedures. Compile a comprehensive health history thatincludes all childhood illnesses, injuries, surgeries, allergies,immunizations and hospitalizations.

Prepare a Health Inormation CardIn addition to the ull history, create a card your studentcan carry at all times that includes critical inormationdoctors would need to know in an emergency, such as:

q All current and chronic medical conditionsq All medications, with dosing directions

(make sure your student has sucient rells!)

q Dates o most recent immunizations

q Allergies, including medication allergies

q Emergency contact inormation

TipBe sre to discss ith yor stdent ho to respondto a medical emergency. Mae sre yor stdenthas an actionable plan.

I yor stdent is more than 100 miles aay rom

home, consider also prchasing Emergency MedicalEvacation Insrance


You sHould know

More than 30,000 brglaries related to college

stdents are reported annally, inclding

15,000 residence hall brglaries. According to

statistics on .OPE.ED.gov/Secrity.

Each year, re departments respond to more

than 3,800 res in dormitories, raternities,

sororities and barracs. .npa.org

One stdy sggests that a or-year stdent

bicyclist has a 53 percent chance o losing a

bie to thet. .NationalBieRegistry.com

A May 2011 eHealth srvey revealed that 49

percent o stdents visited an emergency room

or personal care in the past or years.


37/48

BEFORE YOUR STUDENT GOES THERE

MAKE SURE YOU BECOME A MEMBER TODAY!

collegeparents.org

*Benefts are subject to the complete terms and conditions available on our web site. Use SAVE as your coupon code to reduce annual membership cost to $59.00

Join other college parents and receive exclusive benefts and protections or your student

and amily including:

n $5,000 annual / $2,500 per semester o tuition reundinsurance in the event o an unexpected medical

withdrawal rom school

n ID protection and resolution servicesn Deals and discounts just or college parents including

travel and wireless service

n Eligibility or College Parents o America scholarships

Going to school without College Parents

o America would be like going to take a

fnal without studying or it.

JON BY AUGUST 31ST &

SAVE$30collegeparents.org/SAVE


38/48


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isurace ProtectoHEALTH INSURANCESome schools oer health insurance. First, check to seei your student is covered by your amily health insur-ance plan. Be sure to veriy what the colleges cover-age requirements are and be sure to check the bursarsstatement bill to see i you have been billed or health

insurance. I your student does not have access to anemployer-sponsored plan, or you are not satised withthe coverage provided by a school-sponsored plan, thereare alternatives. For example, College Parents o Americaoers a Student Health Plan that is available throughwww.eHealth.com or www.StudentHealthPlan.com/Parents.

RENTERS INSURANCERenters insurance typically has a low deductible ($100)and includes protection or personal liability and property.Be certain to consider a policy that includes liability protec-tionplusproperty coverage. With an average cost o $160per year or less (with $50,000 o liability coverage), thiscould potentially save you thousands o dollars.

IDENTITy THET INSURANCEAccording to a 2010 Identity Fraud Survey Report romJavelin Strategy and Research, students 18-24 are amongthe most vulnerable to identity thet and worse, ittakes an average o 132 days or them to realize theyhave been aected. College Parents o America includesIdentity Thet Insurance and Resolution Service witheach paid membership.

TUITION REUND INSURANCEMost colleges do not provide a complete reund i a studentaces an unexpected need to withdraw that is a resulto a medical situation, accident or illness. Consequently,nearly all students can benet rom having a minimumlevel o tuition reund insurance. Note that tuition reund

insurance is not drop-out insurance. It protects the stu-dents amily rom the loss that may result rom a medicalwithdrawal. College Parents o America paid membersreceive $5,000 o annual coverage and may purchasecoverage up to $50,000 at www.GradGuard.com/Tuition.

Student Protection Checlistq Inventory all personal property by photographing

each item (saving these items with receipts canmake it easier to benet rom warranty protectionor to replace them due to thet).

q Evaluate your homeowners insurance policy todetermine coverage requirements or collegestudents, i any, and determine its potential valuegiven your deductible level.

q Determine the total value o all personal propertyand determine the right amount o rentersinsurance you may need to replace items in caseo thet or unintentional damage.

q Choose a low deductible renters insurancepolicy with fexible coverage levels atwww.CollegeRentersInsurance.com.

Tip

Join s. Paid members o College Parents oAmerica receive $5,000 o tition insranceand ID Thet and Resoltion services. Visit.CollegeParents.org/Save.


PROTECTinGYOURSTUDEnT


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PAREnT ESSEnTiALS


Campus Caledars, College Wthdrawal PolcyThe academic calendar is a deadline-keeper. It provides all scheduling inormation necessary to meet the applicationdeadline, the class registration deadline and the withdrawal deadline.

College withdrawal policies cover both class withdrawals (dropping a class ater a specic deadline, usually with aW grade and no money reunded) and complete withdrawals. A complete college withdrawal can technically occur atany time usually by lling out a orm with the registrar. However, the deadline on the academic calendar determineswhether or not parents and students can expect any money back i a student withdraws in the middle o a term. Oten,that answer is no.

Most colleges and universities do not provide a ull reund o ees, even i a student must withdraw rom school due to

medical reasons. That was a key determinant in the decision to include tuition insurance as a benet to College Parentso America members. We want college students and amilies to be ready or risks at all times; we know that lie does notalways ollow the academic calendar.

STAY inFORMED THROUGH WWW.FACEBOOk.COM/COLLEGEPAREnTSOFAMERiCA AnD FOLLOW US @CPOFAMERiCA.

The Famly Educatoal Rghts ad Pracy Act (FERPA)When a student turns 18 years old or enters a postsecondary institution at any age, all rights aorded to you as a parentunder FERPA transer to the student. In other words, the school cannot and will not tell you certain things about yourchild (including grades and nancial matters), despite the act that you are the parent.

Absoltely complete the FERPA waiver orm hich gives yo permission to have access to yor stdents records. John D, parent o student at University o Caliornia, Santa Barbara

ALSO VISIT WWW.COLLEGEPARENTS.ORG/CHECkLISTS OR A COMPLETE SET O USEUL CHECkLISTS.

Health Forms

vaccato Updates

Health isurace

Housg Forms

new StudetOretato

FERPA Famly EducatoalRghts ad Pracy Act

Wthdrawal Polcy

Are there partcular parts o your chlds oramly medcal hstory that should be aalableto health proders?

Are all accatos up to date?

Does the school requre health surace? i so,be sure to prode proo o surace coerageor expect to be blled twce.

What s the schools polcy towards thet, freor water damage ad loss o use or labltyo your studet?

Are paret programs oered cocurretly wth ewstudet oretato?

What s the school polcy regardg the releaseo academc records, or motorg progress adactg o your studets behal?

What are the medcal ad olutary wthdrawalpolces o the school?

Dgtze mportat medcal records ad mae sure your chld hasaccess to them.

Cosder updatg accatos to clude a curret tetaus shot.

Be sure you do ot pay or health surace twce. i you eed alteratecoerage, cosder College Parets o Amercas Studet Health Plaaalable at www.CollegeParets.org/Health.

Cosder purchasg reters surace that cludes lablty addsplacemet coerage at www.CollegeParets.org/Reters.

Atted paret programs they are oered.

Dscuss pracy ssues wth your studet. i you are cotrbutgfacally, cosder executg a FERPA coset orm aalable atyour school or at www.CollegeParets.org/Coset.

Ealuate your potetal facal loss the case o a wthdrawal.Cosder purchasg tuto surace aalable to members o CollegeParets o Amerca at www.CollegeParets.org/TutoReud.

ESSEnTiAL TOPiC ACTiOnESSEnTiAL QUESTiOn


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Student Health InormationEssential Inormation Phone Numer or Address

Student ID #

Student Health Center at College

Emergency Counseling Services

Nearest Hospital to College

Nearest Urgent Care to College

Nearest Pharmacy to College

Name o Any Prescription(s) Being Taken

Childs Eyeglass Prescription

Childs Blood Type

Childs Family Doctor

*College Parents o America recommends evaluating your amily health insurance plan to determine i it is accepted by your school or any medical

acilities or doctors near your campus. At a minimum, make sure that your student is covered or major medical issues such as injuries or accidents. See

www.CollegeParents.org/Health.

PAREnTESSEnTiALS


Create An Academic CalendarActivit Date

Move into Dorms/Housing

First day o School

Medical Withdrawal Date(when your student may stillreceive a partial reund orqualied medical reasons)

Parents Weekend

Thanksgiving Vacation

First Semester Exam Dates

Semester Break

Second Semester Begins

Medical Withdrawal Date(when your student may stillreceive a partial reund orqualied medical reasons)

Second Semester Final Exam Dates

Last Day o School

Tuition Checks Due - 1st Semester

Tuition Checks Due - 2nd Semester

Voluntary Academic Withdrawal(loss o credit and paymentwithout an academic grade)

Other Important Dates to Note

Personal Propert CheclistItems Estimated Value

Electronics

Musical Instruments

Cell Phone

Clothes

Sports Equipment

Bicycle

Camera

Furniture

Jewelry/Watches

Textbooks

Other

Add $1,000 or Additional Items $1,000

Total

*College Parents o America suggests that parents consider purchasing

renters insurance (generally less than $12 a month) that eatures low deduct-

ible plans and includes protection or the replacement value o your property,

loss o use beneft and personal liability protection or your student. See

www.CollegeParents.org/Renters.


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Have you ever elt as i your students roomhad a mind o its own? Are knick-knacksand trinkets taking over every inch o reespace in the dorm room? We all have ouravorite possessions that we cannot livewithout. For some, its books and CD col-lections. For others, its sentimental photoso riends and amily. Sometimes it can bedicult to nd a place to put all o these

possessions, especially when conrontedwith the oten-conning space within adorm room. There is a way to eel at homewithout suocating your space! Here areour space-saving tricks to help your stu-dent take back the dorm room:

CONDENSE CLUTTER A abulous way tocreate space is to go vertical. Some dormscome urnished with a couple o cabinetsand shelves or your students belo

2012-13 college parents handbook for student success - chegg

Documents