The College Solution: A Guide for Everyone Looking for the Right School at the Right Price

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Overview

This bestseller has been completely updated to provide you with the answers that you need to find wonderful colleges and universities at more affordable prices. The second edition of The College Solution, which contains approximately 90% new material, is aimed at helping parents and teenagers become empowered consumers as they navigate through the college process. Billions of dollars are available to pay for college, but not everybody gets their share. It's not always the families with the brightest students or ...

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Overview

This bestseller has been completely updated to provide you with the answers that you need to find wonderful colleges and universities at more affordable prices. The second edition of The College Solution, which contains approximately 90% new material, is aimed at helping parents and teenagers become empowered consumers as they navigate through the college process. Billions of dollars are available to pay for college, but not everybody gets their share. It's not always the families with the brightest students or the parents who are struggling financially who receive the most money. The College Solution shares the secrets of how you can capture some of this money for your own family. The book provides advice on such topics as financial aid, merit scholarships, athletic scholarships, admission hooks, the important differences between colleges and universities, college rankings, the best student loans and the latest online tools to evaluate the generosity of schools. O’Shaughnessy presents an easy-to-use, proven road map for getting past the ratings, and finding the right schools at the right price. No other book offers this much practical guidance on choosing and paying for college now – and no other book will save you as much money!

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Editorial Reviews

From the Publisher

“The College Solution provides a roadmap for students and parents trying to figure out the complex path to college. At every step along the process, Lynn O’Shaughnessy provides the necessary information families need to know about admissions and financial aid in an easy-to-digest format. Students and parents are inundated with information about college these days and this is a great book to help you figure out what really matters.”

Jeffrey J. Selingo, vice president and editorial director, The Chronicle of Higher Education

“Chock-full of information about college entrance and affordability, O’Shaughnessy’s second edition of The College Solution is sure to raise your admission and financial aid ‘IQ.’”

Seth Allen, Dean of Admissions and Financial Aid, Pomona College

“The College Solution is an easy-to-read conversational guide to paying for college. Lynn O’Shaughnessy is a champion for consumers and will help you pick the college that is the best fit for you and your wallet.”

Mark Kantrowitz, publisher of Fastweb.com and FinAid.com and the author of The Secrets to Winning a Scholarship

“Even though I’ve been labeled a ‘college admissions expert,’ this is a book that I wish I had read when my son was still in high school. Jam-packed with information about testing, college essays, interviews, financial aid, and much, much more, this highly readable guide will help parents and their children through an often confusing process.”

Robert Schaeffer, a founder of The National Center for Fair & Open Testing (FairTest)

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Product Details

  • ISBN-13: 9780132944670
  • Publisher: FT Press
  • Publication date: 5/7/2012
  • Edition number: 2
  • Pages: 266
  • Sales rank: 139,475
  • Product dimensions: 6.12 (w) x 8.80 (h) x 0.78 (d)

Meet the Author

Lynn O’Shaughnessy is a nationally recognized higher-ed author, journalist, and speaker. She writes frequently about college issues for CBS MoneyWatch and for her own popular college blog at TheCollegeSolution.com.

Lynn has written or been interviewed about college for such media outlets as Money Magazine, Bloomberg Businessweek, The New York Times, Wall Street Journal, Los Angeles Times, Fox Business News, Huffington Post, Parade Magazine, CBS This Morning, USA Today, and US News & World Report. She is the consulting director of college planning, K-12, at the University of California, San Diego Extension. She also is a frequent speaker on how families can find and afford great schools. Lynn’s daughter is a recent college graduate and her son is a college sophomore. Lynn is a graduate of the University of Missouri’s School of Journalism.

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Read an Excerpt

IntroductionIntroduction

A curious story appeared in The New York Times one day about the university that's the academic equivalent of the Yankees. The article captured the concerns of faculty, who worry that the teaching taking place at Harvard University isn't meeting the school's own vaunted standards. In fact, a professor lamented that some undergraduates, after spending four years at Harvard, don't know a single faculty member well enough to ask for a letter of recommendation.

Hmmm.

One student, who was interviewed, suggested that undergraduates ought to know that professors are too focused on research to put much effort into what happens in the classroom.

"You'd be stupid if you came to Harvard for the teaching," a Harvard senior and a Rhodes scholar told the Times reporter. "You go to a liberal arts college for teaching. You come to Harvard to be around some of the greatest minds on earth."

And he had more to say: "I think many people (at Harvard) spend a great deal of their time in large lecture classes, have little direct contact with professors, and are frustrated by poorly trained teaching fellows."

Concerned about the quality of Harvard's undergraduate education, a small group of the university's professors cranked out a report that advocated for institutional changes that would place greater value on teaching. Whatever happens, Harvard's institutional angst about what occurs in its classrooms is hardly going to dampen its star power among high school students. And that was true even before Harvard unveiled an incredibly generous financial aid policy that has dramatically cut costs for families who make even $180,000 per year.

So why have I begun this book by sharing something that should embarrass Harvard? Because the incident aptly illustrates one of the primary reasons why I wrote The College Solution: A Guide for Everyone Looking for the Right School at the Right Price. When many families begin their college search they assume that the Ivy League owns a monopoly on the nation's best schools. Unfortunately, the media perpetuates this nonsense. A ridiculous number of books on college are dedicated to cracking the Ivy League even though the only ivy that most kids are going to come into contact with will itch and require calamine lotion. A mere .2% of the nation's incoming college freshmen end up at the eight Ivy League schools.

What plenty of teenagers and their parents don't realize is that there are many, many schools scattered across the country that will provide an education as good as or superior to the one they'd receive at the most elite East Coast schools.

Rather than worship at the Ivy altar, The College Solution is dedicated to the 99.8% of students, who head off to the thousands of other colleges and universities in this country. It's about time that a book is dedicated to everybody else's kids—and there are millions of them out there. The book contains advice for teenagers who are blessed with the brilliance of theoretical physicist Stephen Hawking as well as all the typical kids who would fit in quite nicely at Lake Wobegon.

One of the book's overriding aims for this eclectic group of teenagers is this: helping them find the best academic matches possible, whether public or private, for the least amount of money. Parents and students, who use the book's road map, will discover that college costs can be far lower than they imagined and their college options are more plentiful than they ever would have believed.

Many families, for instance, assume that they can afford only an inexpensive school—perhaps the state university or community college that's nearby. The affluent, meanwhile, assume that they will have to pay full price for their children's education because their chances for any kind of assistance are laughable. Plenty of families, regardless of their net worth, believe that only the very brilliant or the athletically gifted can win scholarships.

All of those assumptions are wrong. College can be more affordable than you might think. "B" students can earn merit scholarships from plenty of colleges, and even families with six-figure incomes can position themselves to capture financial aid.

In fact, many families who use the book's strategies will be able to send their children off to expensive private schools for the same cost of a much cheaper in-state public school. Private colleges and universities today, according to the College Board, are discounting their tuition by an average of 33.5% for the students they want. Students who attend public universities, including prestigious flagship institutions, can also pay significantly less than the advertised sticker price. The average tuition discount for public schools, which cost less to begin with, is nearly 15%.

It's much easier to shrink the college tab once you appreciate that colleges and universities are now pricing bachelor's degrees in much the same way that airlines set their ticket prices. The passenger sitting next to you on the plane could have paid significantly more or less than you did for the identical ride. This same phenomenon is playing out on college and university campuses throughout the country.

The College Solution also urges parents and students to consider what is important in a college education. One of the chief aims of the book is to help students determine which schools are best for them and to encourage them to consider some overlooked academic gems. The book shows teenagers how to evaluate schools from research universities and community colleges to public and private liberal arts colleges.

Investigating schools, as you'll learn, should go far beyond noting what ranking a school got from U.S. News & World Report, which happens to rely on dubious methodology. When selecting schools, a student also needs to be comfortable with the academic departments where he or she will be spending a great deal of time. You want professors who will engage students with innovative teaching, not approach classes, particularly the introductory ones, as an opportunity to wash out kids by dispensing failing grades. You'll also discover how to find large universities that have worked hard to make their learning environments more intimate.

Most students will have only one shot at college, but too often they put about as much effort into finding the right academic matches as they would shopping for a new cell phone plan. Families often take shortcuts because they swallow the conventional wisdom that the higher education industry has pushed down their throats about what their options are. Your best defense against all this is to keep reading this book.

© Copyright Pearson Education. All rights reserved.

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Table of Contents

Introduction xiii

PART I Shrinking the Cost of College

Chapter 1 Making College More Affordable 2

Chapter 2 Show Me the Money 4

Chapter 3 The Colleges with the Best Financial Aid 9

Chapter 4 Who Gets Financial Aid? 16

Chapter 5 Winning the Educational Lottery 21

Chapter 6 Calculating Your Expected Family Contribution 25

Chapter 7 A Revolutionary Calculator 28

Chapter 8 The Allure of Out-of-State Public Universities 33

Chapter 9 Looking Across State Lines for a Bargain 40

Chapter 10 Capturing Private Scholarships 44

Chapter 11 Will Saving for College Hurt Your Financial Aid Chances? 48

Chapter 12 Maximizing Financial Aid 53

Chapter 13 More Ways to Shrink the Cost of College 58

Chapter 14 Appealing the Verdict 62

Chapter 15 Getting Grandma to Help 67

PART II Increasing Your Admission Chances

Chapter 16 Boosting Your Chances 72

Chapter 17 Finding the Right Match 74

Chapter 18 Ditching the Test 79

Chapter 19 Showing a College Some Love 85

Chapter 20 When Talent Is the Hook 89

Chapter 21 The Realities of Athletic Scholarships 91

Chapter 22 The Geographic Hook 99

Chapter 23 Why Being Rich Helps 104

Chapter 24 The Legacy Hook 107

Chapter 25 Playing the Gender Card 110

Chapter 26 Diversity Blueprint 113

Chapter 27 The Asian Student Dilemma 120

Part III Knowing Your Academic Choices

Chapter 28 What’s the Difference Between a College and a University? 124

Chapter 29 The Ivy League Myth 127

Chapter 30 What Is a Research University? 132

Chapter 31 What University Professors Do 137

Chapter 32 The Beauty of Liberal Arts Colleges 141

Chapter 33 What Is a Medium-Sized University? 149

Chapter 34 Why Community Colleges Are Popular 153

Chapter 35 Nine Ways to Generate College Ideas 158

Part IV Evaluating the Academics

Chapter 36 Are Students Really Learning? 162

Chapter 37 What’s Wrong with US News & World Report’s College Rankings 169

Chapter 38 The Right Way to Use College Rankings 175

Chapter 39 College Rankings: An Alternative 179

Chapter 40 The Hallmarks of a Student-Centered University 182

Chapter 41 Staying in College Too Long 186

Chapter 42 Grading Academic Departments 193

Chapter 43 Kicking the Tires 195

Part V Admission Nuts and Bolts

Chapter 44 What You Need to Know About High School Counselors 202

Chapter 45 What You Need to Know About Independent College Counselors 209

Chapter 46 Knowing What to Do When 216

Chapter 47 Writing Your Way Into College 222

Chapter 48 Visiting College Campuses 226

Chapter 49 Acing the College Interview 230

Chapter 50 Transferring to a Different College 235

Chapter 51 Getting Credit for Your Work 240

Part VI Borrowing for College

Chapter 52 The Best Student Loans 244

Chapter 53 Private College Loan Perils 248

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Preface

Introduction

A curious story appeared in The New York Times one day about the university that's the academic equivalent of the Yankees. The article captured the concerns of faculty, who worry that the teaching taking place at Harvard University isn't meeting the school's own vaunted standards. In fact, a professor lamented that some undergraduates, after spending four years at Harvard, don't know a single faculty member well enough to ask for a letter of recommendation.

Hmmm.

One student, who was interviewed, suggested that undergraduates ought to know that professors are too focused on research to put much effort into what happens in the classroom.

"You'd be stupid if you came to Harvard for the teaching," a Harvard senior and a Rhodes scholar told the Times reporter. "You go to a liberal arts college for teaching. You come to Harvard to be around some of the greatest minds on earth."

And he had more to say: "I think many people (at Harvard) spend a great deal of their time in large lecture classes, have little direct contact with professors, and are frustrated by poorly trained teaching fellows."

Concerned about the quality of Harvard's undergraduate education, a small group of the university's professors cranked out a report that advocated for institutional changes that would place greater value on teaching. Whatever happens, Harvard's institutional angst about what occurs in its classrooms is hardly going to dampen its star power among high school students. And that was true even before Harvard unveiled an incredibly generous financial aid policy that has dramatically cut costs for families who make even $180,000 per year.

So why have I begun this book by sharing something that should embarrass Harvard? Because the incident aptly illustrates one of the primary reasons why I wrote The College Solution: A Guide for Everyone Looking for the Right School at the Right Price. When many families begin their college search they assume that the Ivy League owns a monopoly on the nation's best schools. Unfortunately, the media perpetuates this nonsense. A ridiculous number of books on college are dedicated to cracking the Ivy League even though the only ivy that most kids are going to come into contact with will itch and require calamine lotion. A mere .2% of the nation's incoming college freshmen end up at the eight Ivy League schools.

What plenty of teenagers and their parents don't realize is that there are many, many schools scattered across the country that will provide an education as good as or superior to the one they'd receive at the most elite East Coast schools.

Rather than worship at the Ivy altar, The College Solution is dedicated to the 99.8% of students, who head off to the thousands of other colleges and universities in this country. It's about time that a book is dedicated to everybody else's kids—and there are millions of them out there. The book contains advice for teenagers who are blessed with the brilliance of theoretical physicist Stephen Hawking as well as all the typical kids who would fit in quite nicely at Lake Wobegon.

One of the book's overriding aims for this eclectic group of teenagers is this: helping them find the best academic matches possible, whether public or private, for the least amount of money. Parents and students, who use the book's road map, will discover that college costs can be far lower than they imagined and their college options are more plentiful than they ever would have believed.

Many families, for instance, assume that they can afford only an inexpensive school—perhaps the state university or community college that's nearby. The affluent, meanwhile, assume that they will have to pay full price for their children's education because their chances for any kind of assistance are laughable. Plenty of families, regardless of their net worth, believe that only the very brilliant or the athletically gifted can win scholarships.

All of those assumptions are wrong. College can be more affordable than you might think. "B" students can earn merit scholarships from plenty of colleges, and even families with six-figure incomes can position themselves to capture financial aid.

In fact, many families who use the book's strategies will be able to send their children off to expensive private schools for the same cost of a much cheaper in-state public school. Private colleges and universities today, according to the College Board, are discounting their tuition by an average of 33.5% for the students they want. Students who attend public universities, including prestigious flagship institutions, can also pay significantly less than the advertised sticker price. The average tuition discount for public schools, which cost less to begin with, is nearly 15%.

It's much easier to shrink the college tab once you appreciate that colleges and universities are now pricing bachelor's degrees in much the same way that airlines set their ticket prices. The passenger sitting next to you on the plane could have paid significantly more or less than you did for the identical ride. This same phenomenon is playing out on college and university campuses throughout the country.

The College Solution also urges parents and students to consider what is important in a college education. One of the chief aims of the book is to help students determine which schools are best for them and to encourage them to consider some overlooked academic gems. The book shows teenagers how to evaluate schools from research universities and community colleges to public and private liberal arts colleges.

Investigating schools, as you'll learn, should go far beyond noting what ranking a school got from U.S. News & World Report, which happens to rely on dubious methodology. When selecting schools, a student also needs to be comfortable with the academic departments where he or she will be spending a great deal of time. You want professors who will engage students with innovative teaching, not approach classes, particularly the introductory ones, as an opportunity to wash out kids by dispensing failing grades. You'll also discover how to find large universities that have worked hard to make their learning environments more intimate.

Most students will have only one shot at college, but too often they put about as much effort into finding the right academic matches as they would shopping for a new cell phone plan. Families often take shortcuts because they swallow the conventional wisdom that the higher education industry has pushed down their throats about what their options are. Your best defense against all this is to keep reading this book.

© Copyright Pearson Education. All rights reserved.

Read More Show Less

Customer Reviews

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  • Anonymous

    Posted August 16, 2008

    College solutions for parents written by a parent

    As a mother of a HS junior who attends a local school overseas, I have to take a more active role with the US college search since his school has no guidance counselor and there are no college road shows in the vicinity. I find myself reliant on word of mouth and written sources : guidebooks, blogs,newspaper articles, books /websites & advice and have invested the better part of son¿s junior year compiling information for the college search. I ordered this book after reading a reference on a college admissions blog. I finished it during a train ride ¿ and found it so riveting that I missed my stop. Based on the title, I had expected to find just tips for affording college education but was pleasantly surprised by the author¿s insistence on quality ¿how to get your money¿s worth. So often the writers authoring these books report from the hallowed halls of academia. This author is a parent - and bases her experience as a mother of a college freshman while wearing her financial reporter thinking cap. How many college admission books are written from this point of view? One innovation is that the book reverses the criteria for the college search by starting with match schools , not reach, where the student has more chance of obtaining scholarship money. The bottom up approach also instructs on how to find the best fit academically with several chapters on grading academic departments and discussions on professor ratings. Not stopping with the college admissions process, she addresses another under looked category - undergraduate research. And thanks to the author¿s chapter on freebies & best buys, I have added another school to the list. The book closes with a list of pertinent websites, helpful cheat sheets and timelines in the appendix. The author has packed an enormous amount of information here but has addressed the most salient points in a practical college admissions and quality education search. I could have saved a considerable amount of time and money had I read this book first and feel more empowered now for the final year of the search.

    6 out of 6 people found this review helpful.

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  • Anonymous

    Posted October 6, 2012

    MEETING AT FIRST RES

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  • Anonymous

    Posted October 11, 2012

    Steve

    He shrugs. Wonderin if ya wanted a be e.

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  • Anonymous

    Posted October 11, 2012

    Kylie

    U there? Whats bee

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  • Anonymous

    Posted October 2, 2012

    Josh

    Works

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    Posted July 28, 2009

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