New Jersey Magazine

2015-2016

Going to College in New Jersey. A magazine for college-bound students in New Jersey. Features colleges and universities in New Jersey.

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9 GOING TO COLLEGE IN NEW JERSEY • WWW.HESAA.ORG • 1-609-584-4480 You may be required to complete an application for each school in which you have an interest, but there are alterna- tives to consider when targeting multi- ple schools. There are electronic and online resources that enable you to com- plete one application that will be accepted by participating schools. First, you should ask your tar- get schools about their participation in electronic and online resources. Tip! Your application may be your first introduction to an institution, and you want to make a good impression. Make sure your application is clean, neat and thoroughly complet- ed. Make note of deadlines and submit your application well in advance. Proofread your application and your essay. Make a copy of your applica- tion and any attach- ments for your records. You may want to complete your application and your essay on blank paper first, so that corrections can be made before entering your information online or on the actual form. GETTING ADMITTED Four-year institutions have admissions requirements, which vary by school. To make an acceptance decision, institu- tions will carefully review the informa- tion you provide on your application and may require a personal interview or in some cases, a portfolio of your work. County community colleges have open admissions policies. This means if you have a high school diploma or a general educational develop- ment certificate (GED), or if you are at least 18 years old, you are guaranteed admission into the community college that serves your coun- ty. There are special entrance require- ments for some pro- grams. You must meet these require- ments before you can be admitted to that program. Consult each school for specif- ic admissions policies. EARLY ADMISSION Some institutions have early admissions or early access poli- cies. This can be attractive to students who are absolutely certain about the school they want to attend. However, early admissions policies can restrict or prohibit you from applying to other schools. If you are uncertain about the school or need more information about costs and financial aid, you should care- fully consider the pros and cons before seeking early admission. Apply to the schools that most suit your interests and your objectives. You can obtain applications by contacting the college or you can apply online through the college's website. FUTURE FUTURE When asked to identify the key ingre- dients of a successful future, many stu- dents believe it's getting into a good school or landing a great job. However, your future success and security will also depend greatly on your money manage- ment skills. HESAA's Real Money 101 program is designed to introduce you to the world of budgeting, using credit wisely and per- sonal finance. Our program provides information and tools for students to use to achieve financial independence after graduation. For many, your first credit obligation is repayment of federal student loans. Real Money 101 teaches you the principles of smart borrowing and the steps to take if you ever run into trouble repaying debts. If you should default (become 270 days delinquent) on a loan, the loan may be subject to collection costs and legal fees. There are many options to avoid default, including forbearance, deferment, loan consolidation, income-based or extended repayment. You may also consult one of New Jersey's Licensed Budget and Credit Counseling Agencies found on the New Jersey Department of Banking and Insurance website. If you are experienc- ing problems, call your lender or HESAA right away to find out what options are available to you. For more information about money and debt management, call HESAA's Default Aversion Task Force at 609-584-4480, or view HESAA's Real Money 101 program on the web at hesaa.org. COLLEGE APPLICATION FORMS MAY ASK FOR: > personal information > educational experience > high school transcript > standardized test scores > class rank > letters of recommendation > awards and honors > extracurricular activities > work experience > essay, if needed > social networking profiles APPLYING TO COLLEGE PLAN WISELY FOR A SUCCESSFUL

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