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2013-10-19 12:02:38
With two sons in college, the Schaffer family was shocked by their financing options, mother Judy says. The family ultimately used a home equity line of credit (HELOC) to help fund degrees at Touro College and Johns Hopkins University, after they didn't qualify for substantial workstudy funds and shied away from interest rates on private student loans, she says.
"We expected [workstudy] to be higher; we expected interest rates to be lower," says Schaffer, whose family is from New Jersey. "To ask him to get loans at 6, 7, 8 percent when we can get a loan at 3 is not financially smart."
If you have questions about student loan interest rates and funding options, reach out to college financial aid administrators, who should be able to help you evaluate choices based on your family's situation.
5. Scholarships: There are many opportunities for college scholarships, but finding the funding might take some digging. "I think people put a lot of responsibility on high school and college advisers, and even colleges themselves, in finding [scholarship] programs for their students," Schaffer says. "It's really on the students' and parents' shoulders to find this stuff."
[Get tips on finding college scholarships.]
Learning from experience, the Rains family's second son will start his scholarship search earlier in high school, Rains says, and will cater each application essay to the colleges he applies to, in hopes of standing out for additional funding.
"If we had paid more attention to the application process, not just in terms of seeing it as an application for entrance but seeing it as a key to getting scholarships, that would have been more helpful," Rains says.
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5 polyps removed from Bush during colonoscopy
CAMP DAVID, Md. Doctors removed five small growths from President Bush 's colon Saturday after he temporarily transferred the powers of his office to Vice President under the rarely invoked 25th Amendment.
The polyps, extra tissue growing inside the large intestine, were found during a routine colon cancer scan performed at the Camp David presidential retreat.
"All were less than 1 centimeter (about fourtenths of an inch) and none appeared worrisome," White House spokesman said. Outside medical experts agreed.
The polyps were sent to the in Bethesda, Md., to be microscopically examined for signs of cancer. Results were expected in 48 to 72 hours. Polyps can turn cancerous, so finding them early is one of the best ways to prevent the disease and improve the odds of surviving it.
