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UC |momentum

Terrance McGuire ’09 will graduate with a BS in mechanical engineering and an MS in

nuclear engineering. After that there’s no stopping him—but then, there’s no stopping

him now. He’s been a student senator, an engineering ambassador, and had three co-ops

with Battelle Memorial Institute, doing national security work on a machine that detects

biological agents in the air. “UC is helping me lay a foundation for my future,” he says.

Passion. Discovery. Achievement.

U C C O - O P S A ND I N T E R N S H I P S G I V E

U N D E R G R A D U A T E S R E A L - W O R L D

E X P E R I E N C E A S E A R L Y A S F R E S H M A N Y E A R .

www.uc.edu/momentum



ADDRESS: . . . . . . . . . . . . . . . . . . . . . . . 2600 Clifton Ave.Cincinnati, OH 45221

WEBSITE:. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.uc.edu

UNDERGRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . 513-556-1100;www.admissions.uc.edu

GRADUATE ENROLLMENT PHONE: . . . . . . . 513-556-4335; www.grad.uc.edu

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1819

CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36,518

STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15:1

NUMBER OF UNDERGRADUATE DEGREES OFFERED: . . . . . . . . . . . . . . . 167

NUMBER OF MASTER’S DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . 170

SUBJECT MATTER EXPERTISE: . . . . . . . . Cooperative Education (in Business,Engineering, Design, and other disciplines), Medicine,Law, Music,Entrepreneurship, Criminal Justice,Architecture, Engineering

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . . . 1.5 miles

IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $9,399

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $23,922

STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55%

AWARDS AND RECOGNITION: Ranked by the Princeton Review among the top366 schools in the country; Top 5 Co-op program by U.S. News & World Report ;One of the “Top 20 Research Universities” by the Lombardi Program onUniversity Performance Affiliated Colleges/Satellite Campuses: Clermont Collegeand Raymond Walters College

The University of Cincinnati is ranked among the top 100 public universities by U.S. News

& World Report and is a national leader in providing rigorous, relevant, student-centered learn-ing that benefits our community—and the world beyond. Today, UC is redefining what it means

to be an urban research university.

UC offers more than 30 nationally ranked programs, including top-tier programs in entrepre-

neurship, architecture, criminal justice, and medicine. Our co-op program—a UC invention in

1906—is one of the nation’s most comprehensive, allowing our students to earn valuable profes-

sional experience—and substantial salaries—-while they complete their degrees. The opening of

MainStreet on the Clifton campus is transforming student life at UC—with better facilities, inter-

active programming, and student involvement. Opportunities like our Cincinnatus Scholarships

and Cincinnati Pride Grants reward student achievement and help ensure that a quality UC edu-

cation remains affordable. Our commitment to excellence and access is why UC educates more

teachers, doctors, scientists, and business people than any other institution in the Tri-State andattracts more than $330 million per year to support groundbreaking research. Quality programs.

Innovative ideas. Proven success. It’s all UC.

THE UNIVERSITY OF CINCINNATI



T H E POW E R O

F

Ranked as one of the top universities in theUnited States, Xavier University contin-

ues to forge a bold future from the Jesuit

ideals of academic excellence and commit-

ment to service. Founded in 1831, Xavier is

the sixth oldest Catholic university in the

nation and one of 28 Jesuit colleges and

universities nationwide.

The Jesuit philosophy of education focuses

on developing the whole person, intellectu-

ally, morally and spiritually. And to fulfillthat mission, Xavier starts with 78 under-

graduate majors and 43 academic minors

constructed around a core curriculum that

provides all students with a strong founda-

tion in liberal arts and sciences, as well as a

solid grounding in ethics and values. Add to

that the personal attention that comes from

small classes and myriad educational expe-

riences outside of the classroom and you

have a potent recipe for student success.

ADDRESS: . . . . . . . . . . . . . . . . . . . . . . . . 3800 Victory Pkwy., Cincinnati, Ohio 45207

WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.xavier.edu

UNDERGRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . 513-745-3301

GRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . . . . . . . . 513-745-3360

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1831

CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6,665

STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12:1

NUMBER OF UNDERGRADUATE DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . 78

NUMBER OF MASTER’S DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

SUBJECT MATTER EXPERTISE: UNDERGRADUATE: Education, Sciences, Humanities,Business. Graduate: MBA,Education, Psychology, Health care, Theology

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . 5 miles, 7 minutes

IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $26,250

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $26,250

STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 96%

AWARDS AND RECOGNITION:. . . . . . . Ranked as a top 10 master’s-level universityin the Midwest by U.S. News for the last 13 years;“Best 366 Colleges in America” byThe Princeton Review; One of the “50 Best Values”in private institutions in the coun-try by Kiplinger’s Personal Finance ; 16th best part-time MBA program in the nation byU.S.News & World Report; “Best 290 Business Schools” in the nation by The Princeton Review; Ranked No.1 1 in the listing of the top 25 undergraduate entrepre-neurship programs nationally by The Princeton Review; Included in The John Templeton Honor Roll for Character-Building Colleges .

AFFILIATED COLLEGES/SATELLITE CAMPUSES: MBA classes at corporate offices inWest Chester, Deerfield Township and at GE in Evendale; MEd core courses at five off-site locations and full MEd courses at two locations.

XAVIER UNIVERSITY



In the United States, student loans fall into these

general categories:

Federal student loans to students: This group of loans

include Perkins loans, Stafford loans, Federal Family

Education Loans (FFELs) and Ford Direct loans.

These loans are guaranteed by the federal govern-

ment and are generally a very good deal.

There are subsidized and unsubsidized versions —

subsidized is better, as they’re basically interest-free

while the student is in school. The subsidized one

has some pretty strict income requirements. The

drawback is that they have a very low cap: $3,500 for

incoming freshmen.In the past, rates on these loans have been very

nice, but they’re set to start approximating the rates

on private loans starting later this year.

Federal student loans to parents: PLUS loans are federal

government loans directly to parents for the purpose

of paying for college. The student won’t repay these

loans — the parent is solely on the hook for them.

Again, the rate used to be quite nice but the rates are

going up later this year.

Private loans: This is the meat and potatoes of it, thetype of loan that most people will wind up having to

take because other sources didn’t cover the cost of

education. These are basically consumer loans from

private lenders with no collateral, which often means

that the rates aren’t particularly comfortable.

Tips For Comparing Student LoansIt’s difficult to offer concrete advice on which loan

offers to take without looking at the options, but here aresix tips that can help you separate the good from the bad.

• Use the APR (Annual Percentage Rate) to compare theloans, not the rate. The rate many loans give out isn’t real-ly useful for comparison, because many loans with lowrates have a ton of additional fees tacked on. The realtool for comparing the loans is the stated APR, whichincludes the various fees that they tack on. Remember,though, that APR isn’t perfect — it’s only an exact comparison tool for loans that have the same term.

• Shop around thoroughly, regardless of the stated rate.Many companies use a low rate in order to attract yourattention and then effectively do a bait and switch, giving you a loan with a high APR and a low rate because of all

the other stuff tacked on in the middle there. Thus, don’ttoss out loan offers because they have a high rate — theymight have low fees in other respects.

• If you have difficulty with the APR and term math, askwhat the monthly payment will be and multiply it out bythe term. For example, if you’re trying to compare a 10- year and a 20-year loan, find out what the monthly pay-ment will be for each and then multiply that payment by12 and then by the number of years you’ll have the loan tosee how much you’ll be paying total. Obviously, you wantthe smaller amount here.

• Look at fixed-rate loans unless you think the Fed isgoing to significantly start dropping rates. I’m not theright person to be giving long-term advice on where inter-est rates are headed. My suggestion is to talk to people inthe finance industry, especially those you trust, and askthem whether they think the prime lending rate will be onaverage lower or higher over the next 10 years.

If they think higher or about the same, get a fixed-rateloan; otherwise get a variable-rate loan. I was luckily ableto lock in some fixed rates in 2003 when loan rates were very, very cheap. I actually do better with my money in anHSBC Direct savings account than paying off my loansearly.

• High origination fees are usually a red flag. If an origina-tion fee for one loan is excessively high compared to theothers, the rate could skyrocket and the origination fee(tacked onto the overall balance) will really hurt you inthe long run. Small differences aren’t usually that big of adeal, but if you’re looking at double or triple difference in

origination fees something’s afoot.

• Check your credit report. If the borrower or the cosign-er have poor credit, the terms for the loan likely will beworse. One part of the process is to check the creditreport of everyone who might be signing for the loan andthen ensure that the people with the best credit do thesigning.

TRENT HAMM blogs daily on personal finance issues at www.TheSimpleDollar.com.

Student Loans 101It’s a complicated financial world out there, and it’s not getting easierB Y T R E N T H A M M



The College of Mount St. Joseph believes

that your success in college comes from a solid

foundation of academic programs combined with

dedicated support services. In addition to leading

programs in education, nursing, art and business

administration, the Mount offers a variety of

career-minded degrees.

Consider one of the fastest growing majors: sport

management. If you have an interest in athletics,

health/wellness and business, sport management

is the perfect example of the liberal arts educa-

tion you’ll receive at the Mount.

The Academic Exploration Program, Project

EXCEL and personal advising are a few examples

of the support that is available to help youachieve your academic goals. The Learning

Center assists you with writing and math as well

as provides peer tutors. Take your learning out-

side of the classroom with cooperative education,

service learning and cultural immersion trips.

The Mount is smaller with big success stories! In

the past decade Mount psychology students have

won nine regional and national Psi Chi awards,

more than any other local college or university.

The newly renovated Art Building mirrors the lat-

est working environments for graphic and interior

design students. This facility has been praised for

blending real-world preparation with an apprecia-

tion of fine arts. Religious and pastoral studies

graduates are impacting lives as parish associ-

ates, religion teachers, music directors, and spiri-

tual ministers throughout Greater Cincinnati and

across the U.S.

You’re invited to visit and experience the Mount.

Go to www.msj.edu/visit to schedule your person-

al tour as well as register for the next Get

Acquainted Day or Discovery Day.

ADDRESS: . . . . . . . . . . . . . . . . . . . . . . 5701 Delhi Road, Cincinnati, OH 45233

WEB SITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.msj.edu

UNDERGRADUATE ENROLLMENT PHONE: . 513-244-4531 or 800-654-9314

GRADUATE ENROLLMENT PHONE: . 513-244-GRAD (4723) or 800-654-9314

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1920




NUMBER OF MASTER’S DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . . 4

NUMBER OF DOCTORAL DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . 1

SUBJECT MATTER EXPERTISE: Undergraduate: accounting,art, art education,athletic training, biochemistry, biology, business administration, business admin-istration/mathematics,chemistry, chemistry/mathematics, communication stud-ies, computer information systems, criminology/sociology, education: inclusiveearly childhood, middle childhood, and special education, English, fine arts,gen-eral studies, graphic design, history, interdisciplinary liberal studies, interiordesign, mathematics, mathematics/business administration, mathematics/chem-istry, music, natural science,nursing,paralegal studies, psychology, religiouseducation, religious pastoral ministry, religious studies, social work, sociology,sport management. Graduate: education, including a partnership withCincinnati Public Schools for the TEAM (Teacher Education ApprenticeshipMaster’s) program, organizational leadership, nursing, and religious studies.Doctoral: physical therapy.

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . . . . 7 miles

IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . $21,200 ($10,600/semester)

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . $21,200 ($1 0,600/semester)

STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80%

AWARDS AND RECOGNITION:Ranked among top Midwest universities,U.S.News & World Report ; cited in Ruggs Recommendations for quality programs in

art, business, education, nursing; listed as a top college for career preparation inGreat Colleges for the Real World.

AFFILIATED COLLEGES/SATELLITE CAMPUSES: The Mount provides coursesto complete the Bachelor of Science in Nursing degree on-site at CincinnatiChildren’s Hospital Medical Center,St. Elizabeth Medical Center,BethesdaNorth, and Good Samaritan Hospital.

COLLEGE OF MOUNT ST. JOSEPH



Learning doesn’t just

happen in a classroom.Push your boundaries and develop skills for the

real world. Bring life to your education through

the Mount’s facilities and programs.

• Photography Lab

• Cultural immersion trips around the U.S. and abroad

• Student Government Association

• Laboratories for all sciences

• More than 100 co-op employers in Greater Cincinnati

• Studio San Guiseppe Art Gallery

• Schueler Field and an all-weather track

• College Theatre

• All-Steinway School Music Department

• Variety of service learning opportunities

Get Acquainted Days

Saturday, October 25, 2008

Saturday, March 21, 2009

Discovery Days

Wednesday, August 13, 2008Wednesday, December 3, 2008

Go to www.msj.edu/visit to schedule your campus visit.

5701 Delhi RoadCincinnati, OH 45233-1670

(513) 244-4531

(800) 654-9314www.msj.edu



ADDRESS: . . . . . . . . . . . . . . . . . . . . . . . . . . 150 Enrollment Services Center, Morehead, Ky 40351

WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.moreheadstate.edu

UNDERGRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-800-585-6781

GRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-800-585-6781

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1887

CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9,000

STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16-1

NUMBER OF UNDERGRADUATE DEGREES OFFERED/MASTER’S DEGREES OFFERED: . Nearly80 degree programs are available on the two-year, four-year and graduate levels.

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . . . Roughly 150 miles (2 hours)

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . Call to find out about our program for Ohio students!

AWARDS AND RECOGNITION: . . . . One of the top public universities in the South. (U.S.News &World Report, 2005, 2006, 2007, 2008)

AFFILIATED COLLEGES/SATELLITE CAMPUSES: . . . . . Classes offered:On residential campus inMorehead; at regional campuses in Ashland, Jackson, Mount Sterling,Prestonsburg and WestLiberty; and across the globe through the World Wide Web

FAMOUS ALUMNI:. . . . . . . . . . . . . . . Phil Simms,Steve Hamilton, Brian Shimer, Regena Thomas,Chuck Woolery, Box Miller, John Merchant

At Morehead State, outstanding academic programs and

affordable tuition go hand in hand. MSU is ranked among the

top public institutions in the South by U.S. News & World

Report and offers Kentucky’s best computer-student ratio in

its computer laboratories. MSU offers one of four space sci-

ence degrees in the nation, and our graduates are accepted

into professional programs at rates above state and national

averages.

The University boasts a student to professor ratio of 16-to-1,

so you’re more than just a number!

We have more than 9,000 students from 39 states and 27

nations, enrolled on campus, at regional campuses, and glob-

ally through Internet classes.

MSU is a charter member of the Ohio Valley Conference

(NCAA Division I) and sponsors 18 sports for men and

women. The Football Eagles compete in the Pioneer Football

League. Our cheerleading squads have won 24 national cham-

pionships.

Students from Ohio may be eligible for a non-resident tuition

scholarship based on ACT score and high school GPA. Visit

www.moreheadstate.edu/scholarships to see if you qualify!

For more information on MSU or to schedule a tour, call 800-

585-6781 or visit www.moreheadstate.edu.

MOREHEAD STATE



For Your Whole Life

You’re part scholar, athlete, leader, artist, volunteer, mentor and

friend. Why would you want a college that focuses on only one

aspect of your complex and exhilarating life?

Thomas More College, located in Crestview Hills, Kentucky—

only 10 minutes from downtown Cincinnati—offers everything you

need to live a whole life. As a Catholic liberal arts college, Thomas

More emphasizes your spiritual, personal and professional growth,

and our small class sizes ensure that you receive the personalized

attention necessary for true intellectual inquiry. In addition, our 14:1

student-to-faculty ratio creates exceptional opportunities for you to

build your leadership skills and take part in internships, co-op job

opportunities and other field experiences.

Thomas More College is consistently ranked in U.S. News & World

Report’s America’s Best Colleges Edition and has also been included

in Money’s Guide to Best College Buys. With 35 programs of study,

and distinctive educational resources including the Biology Field

Station and The Bank of Kentucky Observatory, you’ll be able to pur-

sue your passions and interests and gain meaningful experience

across a wide range of academic majors.

While classes and studying are a significant component of collegelife, they’re only part of the ways in which Thomas More prepares

you for your whole life. More than 30 social and academic organiza-

tions on campus sponsor activities to fit any interest. In addition, as

a member of the Presidents’ Athletic Conference, Thomas More

boasts 14 intercollegiate athletic teams. As a result of your wide-

ranging experiences at Thomas More College, you’ll be equipped

with the critical thinking skills and real-world experience that will

serve you for your whole life.

THOMAS MORE COLLEGE

ADDRESS: . . . . . . . . . . 333 Thomas More Parkway, Crestview Hills, KY 41017

WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.thomasmore.edu

UNDERGRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . 859-344-3332

GRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . . 859-344-3333

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1921




NUMBER OF MASTER’S DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . . 3

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . 10 Minutes

IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21,500

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21,500

STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . More than 90%

AWARDS AND RECOGNITION: Top academic awards include Brown Honors,and Presidential Scholarships. Additional awards include Leadership,Diversity,and various geographically based grants and scholarships.



ADDRESS: . . . . . . . . . . . . . . . . . . . . . NKU, Nunn Drive, Highland Heights, KY 41099

WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.nku.edu

UNDERGRADUATE ENROLLMENT PHONE: . . 859-572-5220 Toll Free: 1 (800) 637-9948

GRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . . . . . . . 859-572-1555

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1968

CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15,000

STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18:1

NUMBER OF UNDERGRADUATE DEGREES OFFERED: . 60 bachelors, 7 associates,8 certificates

NUMBER OF MASTER’S DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

DOCTORAL DEGREES: Juris Doctor and Doctor of Education in Educational Leadership

SUBJECT MATTER EXPERTISE: . . . Informatics, Math/Science, Law, Education,Nursing

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . . . . . . . 5 minutes

IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . $3,264/semester, includes all fees

Metro Rate: $5,496/semester (includes all fees)

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . $5,976/semester, includes all fees

STUDENTS ON FINANCIAL AID: . . . . . . . 33% grants, 49% loans, 15% scholarships

AWARDS AND RECOGNITION: . . . Named one of Greater Cincinnati’s “Best Places toWork” by the Cincinnati Business Courier; 5/3 Entrepreneurship Institute named one of America’s Top 25 by the Princeton Review ; MBA program named one of the nation’s bestby the Princeton Review also; national model for civic engagement in higher education.

AFFILIATED COLLEGES/SATELLITE CAMPUSES:. . . Covington Campus,Grant CountyCenter,on-site at local corporations.

Located just five minutes from

downtown Cincinnati, Northern

Kentucky University provides

the quality of a private education

for a fraction of the cost. Small,

intimate classes and a commitment

to student-faculty interaction and

up-close and personal attention

have made NKU the college of

choice for more than 15,000 under-

graduate, graduate and law stu-

dents looking for a safe and com-

fortable campus environment and a

rewarding classroom experience.

NKU’s dedication to undergraduate research has been nationally recog-

nized, as has its focus on civic engagement. NKU students work along-side nationally renowned faculty to help solve problems that face their

communities.

This fall NKU will open its Bank of Kentucky Center, which will host

NKU basketball as well as regional and state high school tournaments

and national entertainment events. A new Student Union will also open

this fall, which will be the high-tech social hub of campus.

For these reasons and countless others, Northern Kentucky University

remains Quality-Made and Community-Driven.

NORTHERN KENTUCKY UNIVERISTY



Environmental stewardship has long

been a component of the college

experience in terms of studying the

natural sciences. But it’s only recently thatuniversities have begun to take green ini-

tiatives from theory to practice.

Training programs for green collar jobs,

on-campus recycling and energy manage-

ment and even using sustainability as a

recruiting tool are all part of the 21st cen-

tury college experience. The search for

truth continues, albeit a more inconven-

ient one.

Consider that the Princeton Review’s

recently published 2009 edition of the Best

368 Colleges now includes green ratings in

addition to the dozens of other metrics

that help students decide which institutionfits their goals.

Director of College Ratings David Soto

explains that, according to a survey of the

Review’s readers, 63 percent of college-

bound students were interested in know-

ing how colleges stacked up in terms of

green initiatives, and 25 percent said a col-

lege’s green rating would affect their

choice of schools.

On the Review’s scale of 61-99, local

institutions came out around the average:

The University of Cincinnati earned an 87,

Xavier rated a 73 and Northern Kentucky

University scored a 74. Miami University

was not rated.

The ratings measure campus energy

conservation, ease of access to public

transit and use of organic and locally

grown food.

Soto says the idea is to evaluate if “a

campus environment is healthy and sus-

tainable. The second factor is, are these

colleges preparing the kids for the emerg-

ing green economy? Is the university tak-

ing the larger steps to do their parts in this

effort?”

Top schools — Arizona State University,

Bates College, Binghamton University and

the College of the Atlantic, for example —

were earning LEED certifications for new

buildings and taking an inventory of green-

house gas emissions. Almost all of the 534

schools rated were meeting what Sotodescribes as a baseline: Requiring recy-

cling, using organic food and providing

students with free public transit.

“Those are the things that we think

schools can and should do at a minimum,

Soto says.

Miami Professor Mark Boardman says

that incorporating environmentalism into

college life makes practical sense, saving

the school money and working toward a

culture of sustainability.

MU’s main campus has an on-site recy-

cling program that’s likely well supplied by

local frat houses, an efficient coal power plant fitted with air pollution controls and

conserves energy by using high-efficiency

fluorescent lighting and programmable

thermostats. Some of the practices are as

simple as turning off the lights when no

one’s home.

“Almost all of these were

done for financial reasons,” says

Boardman, director of the MU

Institute for Environmental

Sciences. “A lot of these things

are just cheaper. In the long run

I think that’s what the university

has been driven by. It’s also theright thing to do.”

Of the Miami students who

earn their Master’s of

Environmental Science degree,

Boardman says, about a third

end up working for state and

local governments, a third work

for nonprofits like zoos and the

rest work in private enterprise,

which is the growth sector

among green collar jobs.

“Consulting companies are

always being asked to evaluate

developments,” Boardman says.

“If it was used as a target range, there

might be lead left over. If it was a farm,

there might be pesticides or herbicdes

buried there. … It wasn’t illegal in the

past, and now we want to know where all

this is. Pretty much any company needs an

environmental officer.”

The greening of campus life and degree

programs are seen throughout local col-

leges: Cincinnati State offers engineering

education for maintaining solar cells; UC

researchers have recently published find-

ings indicating a correlation between

lead exposure in childhood and criminal

tendencies; Xavier is developing LEED

certified buildings on campus; and the

College of Mount St. Joseph has two

project homes on campus powered by

solar energy.

It’s an emerging trend that will be part

of every aspect of college life in time.

“I think Miami has done quite a bit,”

Boardman says. “We could do a whole lot

more.” ©

Big Green on CampusSchools go green for economy, altruism and recruitment

B Y S T E P H E N C A R T E R - N O V O T N I

“Consulting companies are always

being asked to evaluate develop-ments. If it was used as a targetrange, there might be lead left over.If it was a farm, there might be pes-ticides or herbicdes buried there.”

— Miami Professor Mark Boardman

TOP

20

MORE MUSIC MORE LOCAL WWW.WNKU.ORG

1. Teddy Thompson- A Piece of What You Need

2. My Morning Jacket- Evil Urges

3. The Hiders- Penny Harvest Field

4. Phil Roy- The Great Longing

5. Sonny Landreth- From The Reach6. Los Lonely Boys- Forgiven

7. John Mellencamp- Life Death Love & Freedom

8. James Hunter- The Hard Way

9. Counting Crows- Saturday Nights

10. R.E.M.- Accelerate

11. John Hiatt- Same Old Man

12. Dar Williams- Promised Land

13. Steve Winwood- Nine Lives

14. Jakob Dylan- Seeing Things15. Buddy Guy- Skin Deep

16. James McMurtry- Just Us Kids

17. Various Artists with Peter Gabriel- Big Blue Ball

18. Emmylou Harris- All I Intended To Be

19. Elvis Costello- Momofuku

20. Eliza Gilkyson- Beautiful World



Here are just a few of the reasons students from

Kentucky, Ohio, and Indiana are choosing Beckfield

College:

Degree Programs:• Business Administration

• Computer Network Administration (Associates)

• Criminal Justice

• Health Information Technology

• Hospitality Management (Bachelors)

• Licensed Nursing Practitioner (Diploma)

• Medical Assisting

• Nursing, RN

• Paralegal Studies

• Life can be complex and going to college doesn’t

have to be another obstacle. A full-time schedule issimply three classes per week. Students enjoy a

schedule that allows for work and family time, while

still earning a college degree.

• Individual attention during every phase of your education, including

Enrollment, Financial Aid, Instruction and Placement.

• A private college situated on a campus of over 6 acres and two buildings

comprising of 60,000 square feet.

• Morning, evening and Saturday classes.

• Excellent job placement services including assistance with resume writing

and job interviewing skills.

• Conveniently located off I-75 in Florence, Kentucky, exit #182.

• No additional parking fees!

• Financial aid available to those who qualify.

• Instructors are experienced with practical, real-world professional and

educational experience.

• Earn your Bachelor’s Degree in four years or less!

BECKFIELD COLLEGE

ADDRESS: . . . . . . . . . . . . . . . . . . . . . . . . . 16 Spiral Drive, Florence, KY 41042

WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.beckfield.edu

UNDERGRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . (859) 371-939 3

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1984

CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 600+


NUMBER OF UNDERGRADUATE DEGREES OFFERED: . . . . . . . . . . . . . . . . 9

SUBJECT MATTER EXPERTISE: . . . . . Business Administration (Associate andBachelor’s), Computer Network Administration (Associates), HospitalityManagement (Bachelors),Licensed Nursing Practitioner (Diploma), ParalegalStudies (Associate, Bachelor’s,and Certificate), Nursing, RN.

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . 15 minutes

IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . $266- $278 per cred it hour

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . Same as In-State

STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 83%



SUCCESS ISASTATEOFMIND.

Cincinnati State offers you the nation’s largest co-op program among two-year

colleges, affordable tuition and over 90% job placement success. Are you thinking

what we’re thinking? Call 513-861-7700 or visit GoAheadGetThere.com today.

ADDRESS: . . . . . . . . . . . . . . . . . . 3520 Central Pkwy. Cincinnati, OH 45223

WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.cincinnatistate.edu

UNDERGRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . 513-861-7700

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1969 chartered

CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8500

STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17:1

NUMBER OF UNDERGRADUATE DEGREES OFFERED: . . . . . . . . . . . . . 75

SUBJECT MATTER EXPERTISE: . . . . . . . . Renewable Energy, Information &Engineering Technologies,Culinary Arts, Nursing & Health Fields, InterpreterTraining,Multimedia, Fire Service, Early Childhood Education

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . . 3 miles

IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . $80.20 per credit hour

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . $160.40 per credit hour

STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70%

AWARDS AND RECOGNITION: Largest co-op program in country among 2-

year colleges; TAC/ABET accreditations for engineering technology programs,Culinary program accredited by American Culinary Federation; FirstRenewable Energy program in Ohio

AFFILIATED COLLEGES/SATELLITE CAMPUSES: . Cincinnati State West inHarrison (at Cincinnati West Airport) and the Workforce Development Centerin Evendale

Cincinnati State is

the region’s best higher

education value, offer-

ing associate degrees

in business, health and public safety, engineer-

ing technologies, infor-

mation technologies,

humanities, sciences

and university transfer

programs. The college

helps students identify,

create and sustain life-

long career advantages

through relevant learn-

ing in small classes

and real-world, coop-erative education

experiences. Within six months of graduation,

almost 100 percent of Cincinnati State gradu-

ates are employed or continuing their education

at four-year universities. Its Workforce

Development Center is specifically designed to

provide proven corporate training programs.

College Information Sessions are scheduled

every Tuesday at 9 a.m. and 6:30 p.m.

CINCINNATI STATE



Attend Our Information Meeting

Tuesday, August 26 @ 6pm

• Ohio Residents pay in-state PACE rates • Enter program at any one of six enrollment periods • Classes meet Mon & Thu 6-9:30pm

• Associate of Intergrative Studies degree offered along with Bachelor degree programs in Computer Information Technology, Intergrative Studies and Organizational Leadership

Call 859-572-1500 or email [email protected] for Program Information or Reservations to Meeting

ADDRESS: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nunn Drive,Highland Heights,KY 41099

WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.nku.edu

UNDERGRADUATE ENROLLMENT PHONE:. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (859) 572-6665

GRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (859) 572-1555

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1968

CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15,000

STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16-1

NUMBER OF UNDERGRADUATE DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70

NUMBER OF MASTER’S DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17

SUBJECT MATTER EXPERTISE: . Education, law, entrepreneurship, teacher preparation in mathe-matics and science through CINSAM,nursing

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 miles

PACE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $292 per credit hour (undergraduate)

OUT-OF-STATE TUITION:. . . . . . . . . . . . . . . . . . . . . . . . . . . . . $404 per credit hour (undergraduate)

STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Grants: 32%;Loans:47%; Scholarships:13%

AWARDS AND RECOGNITION: One of the area’s best places to work (Cincinnati BusinessCourier), Headquarters for Kentucky; P-12 math education center,national model for civic engage-ment in higher education

AFFILIATED COLLEGES/SATELLITE CAMPUSES: NKU Covington Campus at 1401 Dixie Highway,Covington and NKU Grant County Center at 390 N. Main Street, Williamstown.

Attend our information meeting Tuesday, August 14 at 6 p.m.

• Ohio Residents pay in-state PACE rates • Enter program at any one of six enrollment periods •Classes meet Mondays and Thursdays 6-9:30pm • Associate of Liberal Studies degree offered alongwith Bachelor degree programs in Computer Information Technology, Organizational Leadership,and Liberal Studies • Call (859) 572-1500 or email [email protected] for Program Information orreservations to meeting.

PROGRAM FOR ADULT-CENTERED

EDUCATION (PACE) AT NKU offers

adult students an opportunity to complete

an associate degree in Integrative Studies,

or a bachelor degree in Computer

Information Technology, IntegrativeStudies, or Organizational Leadership.

More than 200 students have joined the

program since it began in fall 2005.

“The PACE curriculum has been carefully

crafted to provide a highly structured yet

flexible schedule for working adult stu-

dents,” said Vicki Culbreth, executive

director of Educational Outreach. “This

spring, our first students completed their

associate degrees and moved into our

bachelor programs. It has been very grati-fying watching them achieve their academ-

ic goals. We believe the addition of

Computer Information Technology as a

major will allow us to meet the needs of

even more adult students throughout

Greater Cincinnati.”

PACE tuition is assessed at the in-state

rate, making PACE highly affordable to all

students. PACE classes meet for consecu-

tive eight-week sessions throughout the

year on Monday and Thursday nights from6-9:30 p.m. with 90 minutes of web-

enhanced instruction weekly. Some cours-

es are delivered entirely online. Students

may enter the program at any one of six

enrollment periods and may take two

courses each session or, if necessary, can

alter their schedule. All courses required

for graduation at the associate and bache-

lor levels are included in the curriculum.

PACE meets at NKU’s Covington campus

(1401 Dixie Highway) with convenient parking and easy classroom access. For

more information, attend the next PACE

information session on Tuesday, August 26

at 6 p.m. at the Covington campus. For

reservations, contact (859) 572-1500 or

PACE @NKU.edu.

NKU PACE



H

ere’s what you shouldn’t do: When I was in col-lege, I used my student loans to finance mylifestyle.

I worked at a decent paying job — $9 an hour at a jobrelated to my major was great — but that wasn’t enough.I needed more. So I took out student loans even thoughscholarships covered most of my tuition and housingexpenses for college.

Even worse, I didn’t really understand the value of the college education I was getting. I basically completeda major, decided it wasn’t for me, completed a complete-ly different major and took enough classes for someminors along the way.

I finally graduated after six years and had accumulat-ed about $35,000 in student loan debt. Including interest,I’ve paid about $32,000 in loan payments so far and I’vestill got about $16,000 left to go.

What did I learn from this disaster that college stu-dents can use today?

There are a lot of students out there entering collegeand taking out student loans to pay for it. The moneythey’re spending, in the form of loans, far exceeds themoney they’re taking in.

I know all about it. I was doing this very thing just ahandful of years ago. I made some incredibly stupid mis-takes along the way, and it takes a lot of hindsight to seethe things I could have and should have done.

If I had it to do all over again — if I were a collegestudent today with a big pile of student loans building upand not much income — here’s what I’d do:

Take the studies seriously. The cost of college is tremen-dous. During your years there, not only are you investingthe cost of tuition but you’re also investing the loss of income that you might have made doing something else,like becoming an electrician’s apprentice or starting yourown business.

If you’re paying $10,000 for your tuition and otherexpenses and you’re giving up $20,000 in income, that’s$30,000 that each year in college is costing you, morethan $500 a week.

What’s the best way to undermine that strong invest-ment? Flunk out. Failing a class causes you to stay inschool longer.

Even a poor GPA undermines that investment. Youreduce the value of the degree by reducing your opportu-nities right after college if you’re showing off grades.

Hit the books. If it’s a choice between a side job and thebooks, choose the books every time. If you need to bor-row more money because of it, borrow that money. Don’tundermine the value of your big investment just to savea little bit of money.

Take advantage of the other opportunities, too. College isn’t just about studying and partying. There are tons of opportunities on a college campus to start building yourcareer and resume that will improve your opportunitiesand salary when you leave school (further improving the value of your student loan investment).

That’s not to say that the experience should precludefun, rather that you should put effort into joining groups— and spending social time with those groups — thateither build leadership skills or coincide well with thetopics you’re studying.

You’re also better off getting strongly involved in asmall number of activities than getting weakly involvedin a lot of activities. Try out a lot of things at first, findthe ones that click for you, then get strongly involvedwith those.

Take on responsibilities with those groups and worktoward leadership positions later on. You’ll build valu-able relationships with people, learn new things about your areas of interest and about yourself and build up your future resume, too.

You’re a college student. Live as poor as you can. Don’t spend your time dressing exceptionally well. There will be plen-ty of time for that later on.

Instead, do most of your clothes shopping atGoodwill and at thrift stores. Don’t think you’re above it.Look at your checkbook and realize you’re a person witha negative income, the exact person who should be uti-lizing such resources. It’s fine to have a few clothes forspecial situations, but don’t spend money on a greatwardrobe.

The typical college campus is teeming with free enter-tainment. Check the campus newspaper for ideas insteadof spending money to have fun. Take advantage of thecheap food opportunities, too. For a while, I had a one-meal-a-day meal plan in dining services and I’d eat onebig meal, then just snack the rest of the day on whateverwas available.

In a nutshell, realize that each time you spend moneyin college you’re costing your future, especially when you’re surrounded by opportunities for the most inex- pensive living you’ll have in your adult life.

Use a credit card only to buy books. Pay the bill immediately.

Don’t listen to people who insist that you have a creditcard. Research a good one, then use it only once asemester to buy your textbooks. Put that credit cardsomewhere safe, then pay off the entire bill as soon as itcomes in. Never use the card for anything else.

This simple plan gives you the benefits you can get

from credit card use in college (mostly building credit)without the dangerous drawbacks of building high-inter-est debt that you’ll have trouble paying off.

Seek a job (or other experiences) related to your major, even for

lower pay. If you’re going to get a job in college, look for a part-time job that’s related to your major even if it meanssacrificing pay. A job that really matches well with yourstudies is golden on your resume when you graduate. If you already have some years of experience working withthis material, then you look a lot better than most peoplecoming out of school.

If you don’t know where to begin, the first place tostop is at your departmental office. Ask around for jobopportunities within the major — research work, paper-work, whatever’s available. If you can’t find anythingthere, look for industries near the college that mightrelate to what you’re doing and look there.

Make the effort to make a personal appearance, as itshows that you’re serious about this. Anyone can pick upthe phone and dial.

Minimize your debt. If none of the above apply to a deci-sion, make the choice that results in the lowest debtwhen you graduate. You’re in college to build yourfuture. Don’t sacrifice that future by piling on debt with-out improving your post-graduation opportunities.

The idea is to maximize the value of what you’re pay-ing for and minimize the level of debt. You’re surroundedby valuable opportunities in college. Only by grabbingthem by the horns can you really maximize the value of your college education.

TRENT HAMM blogs daily on personal finance issues at www.TheSimpleDollar.com.

Little Income, Big DebtsManaging your money in your college yearsB Y T R E N T H A M M



Miami University’s regional campuses in Hamilton

and Middletown will launch a third baccalaureate

degree offering this fall. The new Bachelor of

Integrative Studies (BIS) program was approved last

month by Ohio Board of

Regents Chancellor Eric

Fingerhut.

The BIS will provide

another opportunity for

students to finish their

degrees in their own

community, joining

Nursing and Engineering

Technology as four-year

programs on the regional

campuses.

The BIS builds on an

associate degree or on

the first two years of

most college programs.

It offers seven primary

concentrations—of five

courses each—in applied and liberal studies.

Concentrations include: Applied Sociology,

Contemporary American Experience, Environmental

Studies, Families Gender & Society, Information

Technology, Organizational Leadership, and

Understanding Media & Visual Culture.

By offering an array of alternatives in both applied and

liberal studies, students can find programs that fit their

interests and prior education, and that prepare them to

meet demands of the 21st century workforce. For the

student, it’s about making connections that create

fusion and synergy through integrative learning.

Miami’s regional campuses continue to offer evening

and weekend courses to meet the schedule needs of

non-traditional students who have jobs and families.

For more information, visit www.regionals.muohio.edu.

MIAMI UNIVERSITY HAMILTON

ADDRESS: . . . . . . . . . . . . . . . . 1601 University Blvd. Hamilton, OH 45011

UNDERGRADUATE: . . . . . . . . . . . 513-7 85-3111, www.ham.muohio.edu

GRADUATE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 513-529-1809,www.miamia.muohio/academics/graduateprograms (O xford)

FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1968

CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3,500

STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18:1

UNDERGRADUATE DEGREES: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

EXPERTISE: . . . . . . . . . . . . . . . . . . . Nursing and Engineering Technology

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . 30 Minutes

IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . $3,294 per semester

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . $9,359 per semester

STUDENTS OF FINANCIAL AID: . . . . . . . . . . . . . . More than 50 percent

AFFILIATED COLLEGES/SATELLITE CAMPUSES: . . . . . Miami UniversityOxford (main campus),Miami University Middletown, Dolibois EuropeanCenter (Miami’s Luxembourg campus)

focus on education 2008

Documents