The ACT is a college admissions test designed to measure students' readiness for university-level study. A high score helps students get admitted to their target schools and qualify for scholarships.
Because of the test's importance (and length - it takes nearly three hours to complete), preparing for the ACT can be daunting.
Luckily, the test-makers let students and instructors know exactly which skills and concepts will show up on each section of the test. With this information and a detailed study plan, students can avoid cramming and walk into test day feeling confident and prepared.
The ACT English Test
The ACT consists of four portions: English, Math, Reading and Science.
The English section tests students' knowledge of grammar, punctuation and writing standards. Here is a breakdown of the concepts included in each ACT English test:
1. Grammar, Usage and Mechanics (40 questions)
Perhaps the fastest way for a student to improve his or her English section score is to memorize punctuation rules. While the breakdown attributes only 10 questions to punctuation problems, the English section requires students to draw on punctuation rules frequently to rule out wrong answers and answer sentence structure problems. For example, the test-writers often rely on misused commas to generate the three incorrect answer options that students must eliminate.
Check out this sample problem, for instance:
As World War I began, the British navy blockaded the European continent, cutting off Chilean nitrate supplies.
A. NO CHANGE
While this is primarily a sentence structure problem, students must correctly apply punctuation rules in order to select the correct answer option.
Ready to boost your ACT score in a few easy steps? Take a couple minutes to memorize these 13 punctuation rules, then complete some ACT practice problems to solidify your new skills.
The 13 ACT Punctuation Rules
1. Use a comma to separate three or more words in a list.
Sam brought his bat, ball, and glove to the game on Sunday.
2. Use a comma to separate two equal adjectives.
The violent, steely waves menaced the fishermen.
3. Use commas to offset non-essential words or phrases in a sentence.
The sunset, glowing in the evening dusk, looked like a ball of fire.
Teresa, my cousin, immigrated from France in 1998.
4. Use a comma to separate an introductory word or phrase from the rest of the sentence.
Yes, Mary is planning to attend the dance this Friday.
According to Dad, the car is fixed.
5. Use a comma to offset a dependent clause at the beginning of a sentence.
Although she was good at business, she chose the profession of a teacher.
6. Use a comma and coordinating conjunction to separate two independent clauses.
I enjoyed watching the game, but my brother thought it was too long.
Now, try a few practice problems:
1. A bright yellow shining light glowed from the lighthouse to warn travelers at sea.
A. NO CHANGE
B. bright, yellow, shining light
C. bright, yellow, shining, light
D. bright, yellow, shining, light,
2. We went to a great concert last night but the music was too loud.
A. NO CHANGE
B. concert last night, but the music
C. concert, last night but, the music
D. concert, last night, but the music
3. To open the door properly you must turn the knob while pressing in firmly.
A. NO CHANGE
B. properly you must turn the knob,
C. properly, you must turn the knob
D. properly you must turn, the knob
Answers: B, B, C
1. Use apostrophes to show missing letters.
I'm, They'd, It's raining outside, Who's coming?
2. Use apostrophes to show ownership.
Juan's car, children's film, many flowers' stems
3. Do not use an apostrophe to make a noun plural or create a possessive pronoun.
yours, ours, its muffler, Whose idea is it?
1. Use semicolons to connect two related independent clauses.
I called Jessica; she will arrive in 30 minutes.
2. When necessary, pair semicolons with a longer transition word or phrase (subordinating conjunction or conjunctive adverb) followed by a comma. Do not use a coordinating conjunction.
I love cheese; however, I find milk disgusting.
I missed the final exam; as a result, I failed the course.
1. Use colons to set up a list of items.
This recipe includes many ingredients: chicken, curry, onions, brown sugar, and sour cream.
2. Use colons to set up and deliver a salient point.
That's when Walt Disney stumbled upon the character he would become known for: Mickey Mouse.
Now, try a few practice problems:
1. Almost all areas on earth have been explored by modern scientists; as a result, they have begun research on the floors of the sea.
A. NO CHANGE
B. scientists; as a result they
C. scientists, as a result, they
D. scientists. As a result they
2. Don't you remember they're story about catching butterfly's?
A. NO CHANGE
B. Don't you remember their story about catching butterfly's?
C. Don't you remember their story about catching butterflies?
D. Don't you remember there story about catching butterflies?
3. The questions were tricky, but I did them.
A. NO CHANGE
B. question's were tricky, but I
C. questions were tricky; but I
D. questions were tricky, but: I
Answers: A, C, A
Preparing for the ACT English Section
How did you do on the practice problems? The more time you spend answering practice questions in the ACT format, the easier the real test will be.
Every ACT test features the same concepts, format and question types, so completing practice problems and practice tests is by far the best way to raise your score.
Need assistance finding practice materials, creating a test preparation plan or mastering difficult concepts? A test prep tutor can help.
The expert ACT tutors at iLearn Academy help students raise their scores by six points, on average. For more information, check out our test prep program page.
Parent-teacher conferences are right around the corner, and it's important to make the most of this valuable opportunity to connect with your child's teacher face to face.
The goal of parent-teacher conferences is to find ways to work together to support your child's success. By taking a few minutes to prepare in advance, you can help facilitate a productive meeting.
Ready to form a beneficial partnership with your child's teacher? Here are a few ways to get there:
Talk to Your Child
Before your conference, check in with your child. See if he has any questions or concerns he'd like you to address with his teacher, and get a sense of his attitude toward the class and teacher. Is your child falling behind, feeling unchallenged, or struggling socially? Knowing this at the onset will help you make the most of your time with his teacher.
Come with Questions
Coming prepared with questions ensures that you leave with all the information you need, and the teacher will appreciate your engagement. Rank your questions from most pressing to least, in case you run out of time to discuss them all.
You will likely have questions about your child's performance in class, academic strengths and weaknesses, and skill levels. However, don't forget about the social element of education. It's essential to talk with your child's teacher about how your child responds to feedback, how she behaves in class and how she gets along with other children. If your child is displaying any behavioral or social issues in class, it will be important to address them at home so she can thrive in the classroom.
Here are some helpful questions to ask during a parent-teacher conference:
Maintain an Open Mind
A good teacher will talk with you honestly about both your child's strengths and her weaknesses. These weaknesses may not be negative, but merely areas for improvement. Take advantage of the opportunity to help your child improve.
If your child's teacher has noticed academic or behavioral problems, don't become defensive. While it can be difficult to hear negative feedback, your cooperation is essential to your child's success. Advocate for your child when needed, but be prepared to take on a supporting role, as well.
If you feel disappointed or frustrated, know that there's no pressure to respond to the teacher's feedback right away. Thank her for the information, and let her know that you're processing it and will follow up.
Create an Action Plan
The most important question you can ask your child's teacher is, "How can I support your efforts at home?"
Work with the teacher to create a short list of goals for your child. Then, decide how you will both contribute to those aims.
For example, if your child is failing to complete and turn in homework, you might instate a "no TV until homework is finished" rule. If she's struggling to make friends at school, you may sign her up for a soccer team or community theater.
Once you have your action plan, check in with your child's teacher throughout the year to measure progress. As long as you're respectful of the teacher's time and expertise, he will appreciate your involvement and support. This type of plan ensures that the goals you discuss in the parent-teacher conference turn into real, measurable progress for your student.
If your child is struggling with academics, your action plan might include outside tutoring. For information on iLearn Academy's certified tutors and personalized learning plans, browse our curriculum.
Parents and students often gravitate toward one-on-one tutoring because it gives students the individual attention classroom teachers can't provide. However, many students benefit even more from small-group instruction.
Studies show that small-group tutoring is particularly effective for problem-solving skills and targeted skill-building. Furthermore, students who participate in small group tutoring outperform their peers.
Curious about the benefits of group tutoring? Here are three big advantages of enrolling in a small group (besides saving money!).
1. Students Stay Engaged
In a small group, different perspectives and learning styles create a fun, high-energy environment.
If one student is struggling with a concept, another student can explain how she arrived at the correct answer. This makes the session feel less like a lecture and more like a discussion. Students feel motivated to keep up with the group, and each student can use his or her strengths to assist others.
This set-up also removes some pressure when a student is dealing with a challenging skill. Watching another student apply the skill successfully can be a very effective learning tool.
2. Students Stick with It
A friend at the tutoring center is a powerful incentive to keep students working hard and coming back. While short-term tutoring is certainly helpful for a difficult class or test preparation, long-term instruction is what builds the academic strategies that position students for lifelong success.
Long-term tutoring groups offer social and academic support. Students learn from each other's strengths and feel more at ease tackling challenging concepts. With a small group, students are less likely to view tutoring as a chore.
3. Students Build Confidence
For shy children and teens, speaking up in a classroom of 30 students can be daunting. Small groups create an opportunity for students to practice sharing their thoughts in a low-stakes environment. Without so many eyes on them, timid students can start taking small risks, eventually becoming comfortable enough to share their opinions confidently and consistently.
This confidence is essential to students' success in college and the workforce. Many college classes are discussion-based and come with a participation grade, and almost all careers involve some form of public speaking or collaborative discussion. Students who can thoughtfully express their ideas and offer feedback to others will achieve more.
Finding the Right Small Group
Not every small group will be a good fit for your child, even if the other participants are the same age.
A good tutor will place your child with others at his skill level, but will also take personalities into account. For instance, a highly motivated student may get frustrated if she's working with a student who needs a little more prodding. Conversely, a class clown might settle down if placed in a group with focused students. Your tutor should work with you to find the most helpful placement for your child and her study style.
To learn more about available math, English and test prep tutoring groups for students in Glenview, Wilmette, Northbrook and the surrounding towns, call 847-834-0791.
How young is too young for tutoring? That depends on what you want from it.
When most people think of tutoring, they think of junior high and high school students who need help with challenging classes. But tutoring also builds strong foundational academic skills and self image for young children. In other words, tutoring doesn't have to be reactive -- it can also be proactive.
By enrolling young students in tutoring, you help them build healthy habits and avoid learning challenges down the line.
The Value of Early Intervention
It's well established that students' experiences in kindergarten through second grade set the trajectory for the rest of their academic careers. Their level of comfort with basic reading and math skills positions them for ongoing success or frustration, and the study and organization habits they form during this period will stick with them. Furthermore, early intervention allows educators to track a student's academic and social development and identify any challenges.
If a student is behind developmentally, teachers and parents don't always have the time to give him the individualized academic attention he needs to catch up. This is where tutoring can make a huge difference.
Tutoring for elementary-aged children focuses on establishing helpful learning strategies and positive self image, giving young children an edge over students who don't receive this personalized instruction. For example, a student who struggles with math can spend years developing learning strategies before hitting challenging classes like Algebra and Geometry. Because her tutor has helped her prepare, she avoids the negative experience of receiving a low grade and labeling herself "bad at math."
Additionally, elementary years are ideal for tutoring because children are still developing their identities as students. Will your child's school experience make him confident or insecure? Curious or resistant? Motivated or resigned? Tutoring can play a large role in students' self-image and attitude toward learning. A curious, motivated student remains engaged - even in challenging courses - and is better positioned to pursue her passions later in life.
Tutoring for Gifted Students
Tutoring is useful for far more than boosting grades. It's also an excellent way for advanced children to learn at their own pace and avoid "academic boredom." If a student is not challenged in school, he often loses interest, disengages or acts out. By providing advanced students with a place to work ahead and explore their interests, tutoring helps them stay focused and reach their potential.
Would you like you elementary-aged student to get a leg up and get ahead in class?
Talk to an iLearn Academy staff member about how tutoring can set your child up for future academic success, or enroll now in our Fall Program.
As the cost of child care steadily rises, parents are looking for ways to get more for their money. Whether that's through nannies who also teach piano or after-school programs that help children learn Spanish, today's parents want their child care dollars to go farther.
Tutoring is a great example of a child care option with added benefits. Tutoring gives parents the chance to run errands or squeeze in a workout while their children build skills that help them excel in school and beyond.
In most cases, tutoring costs more than a babysitter, because students receive personalized academic support from a knowledgeable instructor. In some cases, however, small-group tutoring is more affordable than hiring a nanny or paying for athletics.
So before spending big bucks on child care, take a look at the afterschool tutoring programs in your area. You might find a perfect fit for your child care needs -- and your student's academic goals.
Rising Cost of Child Care
In Illinois, families spend an average of $27,854 annually on in-home childcare and $10,229 on in-center child care. This expense makes up 32 percent of the median household income in the state. That means that a given family in Illinois could easily be spending one third of its annual income on child care.
With child care making up such an enormous chunk of household spending, it makes sense that parents increasingly view child care as an investment in their children's futures -- and choose child care options that offer concrete benefits.
It's tough to find anything more beneficial for children than academic skill and confidence. That's why so many parents turn to tutoring as a regular child care option.
Benefits of Tutoring
A 90-minute tutoring session for an elementary school student can be as affordable as $36/hour. When you pick your child up from the session, her homework is complete, she is caught up on new concepts, and her tutor has helped her prepare for any upcoming projects or large assignments. This lets families spend weekday evenings free from homework stress.
Studies show that students who receive tutoring perform significantly better in core subjects and on standardized tests. With weekly tutoring, parents can spend less time worrying about school performance and more time connecting with kids.
Not only does tutoring boost grades and save time at home, it builds confidence. This can affect your child's attitude toward learning and his motivation in school for years to come.
Paying for Tutoring
Many companies allow employees to put up to $5,000 in tax-free Dependent Care Accounts to pay for child care. This money can be applied to tutoring expenses, as well. Ask your employer about its Flexible Spending Account options, and check with your human resources office to see if your company offers other child care subsidies.
On your personal income tax return, you can itemize up to $3,000 per child for child care or tutoring expenses, which can yield up to $600 in tax savings.
Group tutoring is another way to save money. Look for a tutoring center that places no more than two or three students in a group and matches your student with others at her level.
Find a Small Group
iLearn Academy offers affordable small-group tutoring for children as young as kindergarten. To learn more, sign your student up for a short diagnostic test.
As a tutor, a large part of what I do is prepare students for the SAT or ACT, two standardized tests used for college admissions.
Typically, students have a limited amount of time to prepare for these tests. As such, they’re always asking which test they should focus on – the ACT or the SAT.
My answer to them is simple: Unless a student initially performs markedly better on an SAT than an ACT, he or she should prepare for the ACT.
I believe that preparing for the ACT is more helpful than preparing for the SAT because the structure and format of the ACT is more predictable. However, students must decide for themselves based off their test-taking performances and desired colleges. Here are some things to consider as you or your student decides whether to focus on the ACT or SAT:
Take a Practice Test
The first thing any student should do when deciding between the SAT and ACT is take a practice exam for each.
There are many free online and paper practice tests for both the SAT and ACT. Once a student has taken both, she can compare the scale scores for both tests. Scale scores measure aptitude by percentile (the percent of test-takers a student did as well as or better than).
If the scale score for one test is significantly higher than the other, that student should prepare for the test on which they scored the highest. If the scale scores are similar (within 5 percentile points of one another), students should prepare for the ACT.
The most accessible SAT tests can be found here. ACT tests can be found here. Either test can be taken online or printed out.
Why it is Tougher to Prepare for the SAT
Preparing for an SAT is not impossible – it's just harder.
The writers of the SAT, the College Board, reformatted the structure and timing of SAT passages, as well as the way the test is scored, at the end of the '16/'17 school year. Because this change was so recent, there aren't many trusted materials in the new format. The skills being tested have not changed, so students can still confidently prepare for the content of the SAT. However, working on timing and measuring score progress is harder.
In contrast, the ACT has been virtually the same for more than 20 years with no large changes. For example, the ACT recently adjusted the science portion from seven to six passages and added a new type of passage to the reading section. However, the number of questions and the way the test is scored remains the same.
Because the ACT is so consistent, it’s much easier to give students concrete goals. We can look up what scores they will need to get into the colleges of their choice. We can find out exactly how many questions students need to get correct in order to reach that score. We also can find ample materials in the correct format, so students can practice timing and strategy for years before test day, if they wish. All of this precision helps students build confidence.
Other Test Prep Tips
Students should not prepare for both tests at the same time. If a student must take both an ACT and SAT, I suggest working on them in sequence. First prepare for the ACT, then move on to SAT.
The ACT and SAT have very similar content. Once a student has prepared for an ACT, he should know nearly everything that would show up on an SAT. The student will simply have to get used to a different format and timing structure to get ready for an SAT.
Students and tutors should try to use materials that were printed in 2017 or later.
If a student is unsure where he’d like to attend college, it can be tough to decide which test to take. Practice tests are a great way to identify which test plays to a student’s strengths.
The ACT is more straightforward and has more practice material at the ready, so I suggest starting there. Luckily, once a student prepares for the ACT, he will be better prepared to take the SAT, as well, should he decide to.
When in doubt, take both tests. That way, students will be ready to put their best foot forward no matter which test a college prefers.
To increase your score with iLearn Academy's proven ACT and SAT test-prep programs, sign up for a diagnostic pre-test today.
In 1951, legendary radio host Edward R. Murrow launched a series asking listeners to share their most fundamental beliefs about humanity and the world around them.
Dozens of leading cultural, political and literary figures of the 1950s contributed their thoughts to the program, and listeners across the nation tuned in. Although Murrow stated many were skeptical that any meaningful ideas could be articulated in only five minutes on the radio (a concern bowled over by the advent of sound bites and social media), luminaries like Albert Einstein, Helen Keller and Eleanor Roosevelt shared their most personal philosophies and beliefs on the air.
Today, the This I Believe project lives on as an opportunity for students to share their values and opinions while honing their writing skills.
As part of our summer English curriculum, elementary and middle school students will compose and refine essays about their strongest convictions — whether that’s the value of team sports, the importance of equality or the superiority of chocolate ice cream. At the end of their courses, students will submit their pieces to the This I Believe website. Through this project, students will build their persuasive writing skills and develop their unique writing voices.
At iLearn Academy, we believe strong writing skills are important not just for school and work, but for students' personal expression and exploration. We're proud to participate in This I Believe alongside our students.
You can browse personal essays from students across the country on the official This I Believe website. To learn more about iLearn Academy's course offerings, view our curriculum.
Individualized instruction significantly boosts students’ grades, but the effect on their confidence -- and eventually, their identities -- is even more important.
Children develop identities by noticing how they are similar or different from those around them. When a student struggles in school but sees his peers excelling, he often comes to the conclusion: “I’m not smart.” This feeling may stick with him throughout his life and affect his confidence, performance and willingness to try new tasks.
Alternatively, when a student works hard to master a new concept or overcome a learning challenge, that victory remains with him and shapes his identity. He starts to see himself as someone who is resourceful, hardworking and capable: “I am smart.”
It’s no surprise that the right instructor can make a huge difference not only on a student’s grades, but on his or her life.
While many tutoring centers hire college students looking to supplement their incomes, iLearn Academy’s instructors are certified teachers or experts in their given fields. These instructors have extensive experience identifying a student’s needs and delivering tailored instruction.
Think back to your favorite teacher from elementary school. Now imagine getting to sit with him or her for an hour or two every week for small-group or individualized instruction. The combination of outstanding teachers and one-on-one attention can completely transform a student’s attitude toward school and learning.
Each summer, we see young people eager to return to school. They’re excited to walk into the classroom with the confidence to overcome new challenges.
Thank you for giving your child the gift of confidence this summer. We look forward to more victories - large and small - this school year.
Are there classes not currently in our curriculum that would benefit your child? Take our 15-second survey and let us know how we can serve you better.
My sincere gratitude,
Youngah Anderson, Director
Many students look forward to sun-filled summers free from books and homework, but this extended break from learning sets many students back.
The average summer learning loss in math and reading for American students amounts to one month per year, according to a report by the RAND Corporation. The negative effects of summer learning loss show up as early as first grade in some students, and it takes up to two months after school starts for students' brain development to get back on track.
Summer learning loss can have long-term implications, as well. By the end of sixth grade, students who experience summer learning loss are, on average, two years behind their peers.
This learning and achievement gap is daunting. The good news, however, is that summer learning loss is easy to avoid.
While summer provides a break from learning in a traditional school environment, it offers countless opportunities for students to grow academically outside the classroom. From pursuing their particular interests to exploring brand new subjects, summer gives students time to build knowledge in fun, stimulating ways.
Looking for strategies to combat learning loss while keeping your child's summer fun? Here are five easy ways to weave some learning into those carefree summer days:
1. Add the Library to Your Weekly Routine
Reading is the best way for students to keep their brains sharp during summer break. Reading promotes brain development, teaches vocabulary and comprehension, builds empathy and opens students' minds to worlds outside their own.
Visit the library each week so your student can pick out a new book. If she's a reluctant reader, try creating a simple incentive program to get her started: When she finishes five books, she gets a small prize. If she can finish 20, she earns an ice cream date with the whole family. Sometimes, her own library card is all the incentive a student needs!
2. Learn from Household Projects
Learning doesn't have to involve writing assignments and problem sets. Much of learning is simply developing the ability to think critically and solve problems. What better practice than to complete a project as a family?
This could be as simple as baking a cake, assembling a bicycle or building a birdhouse. Walk through the directions together, and let your student guess what step comes next -- or write out all the steps beforehand and let him guess the correct order.
This list of 15 kid-friendly household projects can get you started.
3. Visit a Cultural or Historical Site
A visit to a local cultural or historical site presents many opportunities to learn. Together, read any signage providing background about the site, and talk about what it might have been like to live during that time period. What would be different? What would be the same? Talk to your child about why cities, states and nations choose to preserve historical sites, and ask for their opinions.
There is a huge collection of excellent historical fiction for children and teens. Do a quick search to find any books related to the site or area you're visiting, then read the book together before or after your trip. The same goes for age-appropriate movies and TV shows.
4. Take a Hike
Nature is a boundless source for summer learning. Students can study types of plants, animal behavior and ecology simply by spending time outdoors. Take some time to learn about the parks and walking trails in your town. Some parks districts even offer guided hikes for children and families.
Here's a list of fun, educational outdoor activities to spark students' curiosity about nature.
5. Invest in a Tutor
Summer tutoring keeps your child's academic skills sharp and her mind engaged. Even one hour weekly with a tutor sets students up for success during the year. One-on-one and small-group tutoring not only boosts grades, it builds confidence and helps students feel comfortable confronting new academic challenges. In short, tutoring can affect a student's attitude toward learning for the rest of his or her life.
Get the most from your investment by finding a tutoring center with certified teachers, personalized lesson plans and a results-focused approach.
With these simple steps, your student will be ready to start the school year strong.
iLearn Academy offers a three-week, end-of-summer Catch-Up Program to help students get up to speed before the start of the school year. Visit the program page to learn more or enroll.
2. Read Actively: It’s best not to take notes while reading, because that can interrupt the flow of the message. It can also decrease the reader’s comprehension. Sometimes, the main point of a paragraph is not recognized until the entire paragraph is read, so taking notes at the end helps the reader include all of the main elements. Highlight a phrase, or dates, that stand out. A few words are not enough, and entire sentences are too much.
3. Review: When finished reading the ten-page chunk, consider what the section was about. In your own words, write a summary of it. Write down broad connections of the material to things you already knew, or previous readings.
Other tips include reading aloud when something doesn’t seem logical upon the first read. The extra step of speaking the words can sometimes engage thought processes and help clarify the language. Writing notes in your own words encourages additional thought about the reading, which also adds to memory retention. The idea of highlighting and handwriting notes is to include enough material to provide a summary of the entire passage, and the through process of doing that is what increases retention.
For more suggestions on note taking, ask your iLearn Academy instructors today.
Ever wonder if students are missing anything by choosing to read a digital book versus a hard copy version? With the convenience of digital resources at their fingertips, students have access to volumes of literature, almost instantly. In a world where there are so many digital apps that compete for your child’s attention, does quicker access mean more learning and better retention is taking place? According to the research, it’s not. However, there are some clear benefits to using both. Researchers have examined if comprehension is affected by one medium or the other, and you can help your student understand how digital and paper choices affect learning.
Research shows our brains respond differently to onscreen text than words on paper. According to the magazine, The Scientific American: On The Reading Brain in the Digital Age, the benefit of physical print allows the brain to recall text on a certain page as the brain function retains the words in a physical landscape. Similar to walking in a forest, your brain knows how far you have read the book and this spatial awareness leads to better recall on identifying which page you read a particular detail of a passage. Screen reading, on the other hand, “interfere with intuitive navigation of a text and inhibit people from mapping the journey in their minds.”
During class, students are exposed to interactive lessons, and homework options are often available digitally. While a majority of students who participated in the study preferred to read digitally and felt their comprehension was better when they read online, comprehension was measurably better when students read in print.
iLearn Academy offers both print and digital resources to help your students excel in both areas. We assess the student’s ability to comprehend and retain information yet try to maximize all the benefits of learning that the digital world has to offer.
We offer three tips to improving your student’s retention when reading digitally:
For more information on the debate on learning in the digital age read more at:
If you would like to learn more about your students learning style, please contact iLearn Academy today at 847-834-0791.
Parents can take part in active and respectful listening - which simply means tuning in to what students have to say and, at times, to what they are feeling. The best response for parents is empathy, not answers, when teens share their new ideas and feelings. Active listening, repeating back what your student said to you, is a healthy and effective way to clarify meaning. By repeating words back to the speaker, you’re showing you heard him or her and that you acknowledge how he or she is feeling.
The ability to stay calm is critical to keep the communication lines open. Resist the urge to question, judge and criticize when you learn something new about your teen’s interests. Encourage your student to learn as much as possible about new interests or fields of study, and suggest finding out things together. That lets your son and daughter know your support is unconditional.
According to the College Board in 2017, the average debt per graduating student with a 4 year degree from a public school was $27,000. Future graduates are likely to have even a larger debt burden as inflation for college tuition continues to outpace core inflation in the U.S. by nearly 4%. The long term consequence? Graduating with a large amount of student debt can reduce your son or daughter's ability to save for retirement throughout their career by an average $325,000*.
Helping your children pay for the cost of college does not have to be a daunting experience. If you get started early and consider the various sources of financial aid then you can help your student start their career debt free.
1. Think Long-Term College Savings. The earlier you start saving, the better off you'll be. One of the best methods is to combine tax benefits and savings by investing in a 529 Plan. There are two types of plans: Prepaid Tuition Plans and College Savings Plans. You can choose any state sponsored plan, however, if you choose an Illinois plan, you receive an added tax break by deducting part of your contribution from state tax. The primary benefits of a 529 plan are earnings will grow tax free when used for college, ability to transfer funds from one family member to another, and ability to choose your investment in attempts to outpace college inflation. Other savings plans include a Coverdell (Educational IRA) with lower annual contribution limits of $2,000, Custodial Accounts with less tax benefits, and Personal Savings. No matter how you save, careful planning for the long haul is the best way to prepare for the cost of college.
2. Free College Money. If you're looking for someone else to pay for college then knowing the options and understanding the filing deadlines in this highly competitive marketplace will be the keys to your success. Available options include: 1. Federal and State Grants, 2. Scholarships, 3. Service and Work Study Awards, and 4. Tuition Waivers and Allowances. The first step is to consider if you qualify for "needs-based" or "non-needs based" aid. Start by visiting FASFA (Free Application for Student Aid) at fasfa.ed.gov to determine your Expected Family Contribution (EFC), or what the government thinks you can pay for college. Next, you will receive a Student Aid Report (SAR) to be given to the financial aid center at your prospective college. The main source of free money is the needs-based "Pell Grant" followed by the Supplemental Education Opportunity Grant (SEOG). Next, learn more about Illinois' state grants at www.isbe.net. Scholarships are the next best free source and are usually based on merit or competition. Check with your college and visit sites that do not charge a fee such as fastweb.com, studentaid.ed.gov, fastaid.com, and collegenet.com. There are a lot of scholarship scams on the internet so be careful with the "too good to be true" offers.
3. Alternatives to Loans. Consider alternatives such as deciding which school to attend will keep your costs down. The reality is, unless you are graduating from an Ivy League school, most employers are more interested in your skill sets and less on where you graduated. Consider attending a school close to home to save money on room and board. Also, think about picking a lower cost school and research which classes will transfer to a school of choice then transfer to your ideal school in your senior year. These strategies can save you thousands of dollars. If borrowing is your only option, understand the interest rates and payback options. The best choice for loans is the subsidized needs-based "Perkins" or "Stafford" Loan with lower interest rates than institutional loans.
Learn more about how iLearn Academy can help you save and prepare for college by contacting Mr. Anderson at 847-834-0791. Please be sure and attend our free "Paying for College" workshop at our learning center on March XX, 2018 or call for more information.
*College Board, Trends in Student Aid 2017, read more at: https://trends.collegeboard.org/sites/default/files/2017-trends-student-aid_0.pdf
© iLearn Academy 2017