Humankind has not woven the Web of Life,

We are but one thread within it.

Whatever we do to the web, we do to ourselves.
All things are bound together,
All things connect.
Chief Seattle

Developing Your
Vision While
Attending College

Learning more as a young

adult builds on skills you
already have and can lead
to a career or trade that
enriches your life and
increases your financial
stability.

Education is part of the web of life. We learn from our

elderswe learn from nature. In the process, we learn to
honor and support our own cultural roots and traditions.

As an adult with
responsibilities, you know
that continuing your
education keeps your skills
sharp, keeps you moving
forward, and sets an
example to your children
and your community.

This Web site is devoted to helping you make a college

education a reality so your knowledge can benefit you,
your family, and your tribe. Education is something to be
pursued throughout a lifetime. Click on each quadrant of
the medicine wheel to learn more about educations role
throughout a lifetime.

As an elder, you have

much to contribute from
your education and life
experiences to both kids
and adults. By continuing to
challenge yourself and learn
new things, you will always
have something valuable
to share with your family
and tribe.

Now is the time for discovering

your natural abilities and
interests. Your education is
a building block toward selfconfidence. While youre
learning math and science, you
also should be learning about
your culture and rich history.
You are a thread in the web of life.

Deciding to
Attend College
Native Americans go
to college for the same
reason as any American
to make a better life for
ourselves and our families.
The benefits of attending
college are undeniable.

e Facts

Did you know that...

People with a college education have better job
opportunitieseven in hard economic times.
For example, more than 14 percent of U.S. citizens
without a high school diploma were unemployed in 2009,
compared to 6.8 percent of people with an associates
degree http://www.bls.gov/emp/ep_chart_001.htm.

During your college

years, you will:
Develop a vision for your future

A college education can help you fight poverty in your

community. In hard times, the people with the least
amount of education often suffer the most. In early 2010,
the unemployment rate on some reservations often was
between 50 to 75 percent (or more). However, 73 percent
of graduates attend college to make a better life for their
families and 64 percent want to use their education
to help their people. (Source: American Indian
College Fund.)

Acquire knowledge that can never be taken away

Decide what work you will do in your life and
obtain the skills you need to do that work

Begin to provide a brighter future for yourself

and your community
Become a role model for your children and
your tribe

People with a college education earn more money. In

2009, an individual with a bachelors degree earned a
median of $1025 per week, while someone who failed
to complete high school earned $454 per week
http://www.bls.gov/emp/ep_chart_001.htm.

The more you learn, the more of a resource you become

to your community.
Remember Our PastBuild Our Future

I have seen that in any great undertaking

it is not enough for a man to depend
simply upon himself.
Lone Man (Isna-la-wica) Teton Sioux

If youre thinking about college, but arent sure how long it

will take or how much college is needed in some careers,
take a look at Sample Jobs List. If the job you want isnt
listed, talk with someone at your high school or an
academic advisor at a collegeor check out the
Occupational Outlook Handbook.

How to Prepare
Academically for
College

While youre preparing academically for college, you also

should consider how youll prepare financially for college.
These steps will vary on whether youre in high school or
are a returning student.

Preparing academically for college will go a long way in

making your life as a student a successful one. The good
news is that youre not in this alone. There are many
individuals and organizations eager to help you. They know
that helping you also will help your family and your tribe.
Colleges today are made up of two types of students:

1. Students going directly from high school to college.

2. Nontraditional students, including men and women who

delayed enrolling in college, are returning to college.
Often they are financially independent and/or
have children.
Preparing academically for college varies a bit depending
on which type of student you are. From the two types
described above, click on the one that suits you the most
to learn more.

Everything on the earth has a purpose, every disease

an herb to cure it, and every person a mission.
is is the Indian theory of existence.
Mourning Dove Salish

Value the arts. As Native Americans, we know that

identity is expressed in many waysand an important
way is through art. Research has shown that students
who take art courses and participate in arts (both visual
and performing) often do better in school and on
standardized tests.

Going to College
aer High School
With any luck, youre reading this while you are still in high
school. This is important because your high school teachers
and counselors can provide you with a great deal of support
and ideas.

Be technology savvy. Make certain youre comfortable

with computers. Many colleges encourage applying for
admission online. Professors will expect you to
completeand perhaps researchassignments using
a computer. You can also use the computer to research
colleges and even apply for financial aid online.

The main step you can take right now is to do well in your
high school classes. This is the foundation of your college
future because your transcript is an important part of your
college application. Also, consider taking some of the
following steps:

Become a leader. Become a leader in your school or

community. Colleges think highly of students who have
held a student government office, organized an event, or
volunteered for a worthwhile cause.

Look into advanced placement courses. These collegelevel courses are available in about 16 subjects and help
prepare you for college-level work. Also, some colleges
grant you college credit if you take an advanced
placement course and pass the exam with a grade of 3.0
or higher. This can save you both time and money.

Ask your school counselor about high school educational

programs that are linked with a tribal college or other local
college. There are career-focused programs available that
are offered by a network of high schools, local colleges,
and, sometimes, local employers. Many of these
programs are known as "tech-prep," "two-plus-two," or
"school-to-work" programs. The high school classes in
these programs are linked to the courses offered at the
local or tribal colleges. In this way, your high school work
better prepares you for college-level work.

Talk with your guidance counselor or academic advisor

from the college you want to attend. Let this person know
that you intend to go to college and ask for his or her
assistance. The counselor or advisor could recommend
high school courses to take and help establish relations
between you and the colleges you are considering.

Going to College after High School continued

Ask about the Preliminary SAT/National Merit

Scholarship Qualifying Test (PSAT/NMSQT).
This practice test not only helps you prepare for the
SAT, but, if you score well, it could lead to scholarships.

Ask about programs targeted for first-generation college

students, low-income individuals and others who face
special educational challenges to prepare for college.
These programs include the federal TRIO programs and
Upward Bound. Also, research whether the college
youre thinking of attending has a Summer Bridge
program that is aimed at helping first semester freshmen
successfully transition from high school.

Use social networking sites. If you visit sites such as

Facebook, Twitter, MySpace, etc., you can ask other
college-bound students or people in college about their
experiences and recommendations. BUT, remember
these are informal chat sites and although you might
get some helpful ideas, you also may get some false
information. Check out any information with your high
school or college before acting on any advice.

Prepare for tests. Most colleges ask for your scores from
the SAT (Scholastic Assessment Test) or ACT (formerly,
the American College Testing Program). Depending on
the college you choose, you also may take the
Accuplacer placement test. The Accuplacer test
assesses your reading, writing, and math skills. Based on
the results, the school may decide that developmental
(or remedial) classes are needed.
Practice testing. SAT and ACT tests are given to high
school students starting in their junior year. If you take
them early enough, you can retake the tests to try to
improve your scores. Ask your guidance counselor if
there are classes you can take to prepare for the ACTs
and SATs.

Questions to Ask Guidance Counselors

(adapted om the U.S. Department of Education)
When talking with your guidance counselor, consider asking
at least some of the following questions. Note the answers
below and any follow-up actions you may need to take.

ANSWERS AND ACTION PLAN

_______________________________________________
_______________________________________________
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_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
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_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________

What basic academic courses do you recommend I take

since I want to go to college?
Does it make a difference if I want to go to a junior
college instead of a four-year college?
How many years of each academic subject does the high
school require for graduation?
What elective courses do you recommend I take?
Since I want to go to college, is there any special help
or tutoring available to me?
What activities (including extracurricular) can I do at
home and over the summers to better prepare me
for college?
Are there any interpersonal or leadership skills I should
develop? Where can I go to develop these talents?
How much homework can I expect as a student
preparing for college?
What do different colleges require in terms of high school
grades and SAT or ACT scores?
Other questions:
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________

Recommended High School Courses

for College-Bound Students
( om the U.S. Department of Education)
Although academic requirements differ among colleges,
the admissions requirements listed below are typical for
four-year colleges. The specific classes listed here are
examples of the types of courses students can take.
The ACT and the CollegeBoard also have a similar list
of courses that will help you prepare for college.
English Four years

Laboratory Science Two to four years

Types of classes:
American Literature
Composition
English Literature
World Literature

Types of classes:
Biology
Chemistry
Earth Science
Physics

Mathematics Three to four years

Foreign Language Two to four years

Types of classes:
Algebra I
Algebra II
Calculus
Geometry
Pre-calculus
Trigonometry

Visual & Performing Arts One year

Types of classes:
Art
Dance
Drama
Music

History & Geography Two to three years

Challenging Electives One to three years

Types of classes:
Civics
Geography
U.S. History
U.S. Government
World History
World Cultures

Types of classes:
Communications
Computer Applications
Computer Science
Economics
Psychology
Statistics

Sample Jobs List

If you are you considering an associates degree at this
point, but might want to get a bachelors degree later on,
click here to learn more.

Two-Year College
(Associates Degree)

Four-Year College
(Bachelors Degree)

More Than Four Years

(Various Graduate Degrees)

Computer Technician

Teacher

Lawyer

Surveyor

Accountant

Doctor

Dental Hygienist

Engineer

Registered Nurse

FBI Agent

Architect

Journalist

University Professor

Hotel/Restaurant Manager

Computer System Analyst

Psychologist

Automotive Mechanic

Writer

Medical Laboratory Technician

Commercial Artist

Engineering Technician

Administrative Assistant

Water and Wastewater Treatment

Software Engineer

Scientist

Economist

Dietician

Religious Cleric

Investment Banker

Veterinarian

Dentist

Graphic Designer

Public Policy Analyst

Heating, Air Conditioning,

and Refrigeration Technician

Social Worker

Zoologist

Veterinary Technician

Public Relations Specialist

Management Consultant

Plant Operator

Physical Therapist Assistant

Geologist

Physical Therapist

Librarian

Pharmacist

A Tiered
Approach to
Education
An associates degree makes good sense for many and
can lend itself to a tiered approach to education and lifelong
learning. An excellent example is the health-care field.
Many jobs in this field require only a two-year degree, but
you can move up when you get your bachelors degree.
Lets say you get your associates degree and become a
certified physical therapist assistant with a salary of around
$43,000*. You like this field, but want to advance. So, you
can finish the courses necessary to achieve a bachelors
degree and become a physical therapist with a salary of
around $71,000*. And, if you go on to earn an advanced
degree, such as a masters or Ph.D., youll have many
options and increased salary potential while staying in
the health-care field.
*Salary information from Salary Wizard,
http://swz.salary.com/

Tell me and I'll forget. Show me, and I may not

remember. Involve me, and I'll understand.
Native American Saying

Becoming A
Returning Student
If you are a returning studentsomeone who left high
school some time agoyou have certain advantages and
challenges. Chances are youve been working and have
a better idea of what an education can mean for getting
ahead and earning more money for your family. You may
know the frustration of having only a dead-end job.
You likely have a clearer picture of your interests and
the type of job you want.

Work with an academic advisor. This person can help you

navigate the college admissions and financial aid
process. An advisor can even help you achieve a GED
(if you dont have one) and offer insights about careers.
When in college, try to meet with your advisor every
month or two to make certain youre on track to reach
your goals.

Be prepared to take the Accuplacer placement test.

If it has been more than five years since you took the SAT
or ACT, your college will need to assess your skills in
math, reading, and writing. Depending on the results,
your advisor may want you to take some refresher
(remedial) classes. Students who dont have a high
school diploma or GED and who want to apply for federal
financial aid must take and pass the Ability to Benefit
version of the Accuplacer test.

Returning students can be focused students. Still, returning

students often must balance family needs with school
needs. To avoid becoming an overwhelmed student,
consider taking some of these steps:
Find a college that fits your life. Tribal colleges and many
community colleges understand the needs of returning
students. Because many of their students work while
attending classes, they often offer evening or weekend
classes. Some colleges, including four-year schools, offer
family housing or on-site day care. Think about your
family needs and look for schools that will help you
balance school and family.

Get the most from remedial classes. Although these

classes dont offer college credits, they will help you
prepare for college courses. Also, remedial classes teach
other skills like time management and study skills. These
skills are crucial to busy adults with families, households,
and jobs to manage on top of their education.

10

Becoming A Returning Student continued

Look into the College-Level Examination Program

(CLEP). CLEP can give you college credit for what you
already know if you earn qualifying scores on any of 33
examinations. The cost of a CLEP exam in 2010 is $77,
but this could save you hundreds or even thousands of
dollars in tuition.

Explore employer tuition assistance. Some employers

offer assistance or time off from work while you are in
school. In addition, the federal government provides
credits for students going into certain jobs, such as
for teachers who take jobs in disadvantaged areas.
Your academic advisor can provide the details.

Dont take on too much. If youve been away from exams

and homework for a while, youll need time to adjust.
You may want to start with a trial run of classes (one or
two) until you find your balance and develop time
management skills.

To help clarify your thoughts and concerns, consider

completing the Returning Student Worksheet. After
completing the worksheet youll be better prepared to
talk with an academic advisor to start setting a path to
your college degree.

Identify resources. Every student experiences some

crunch times, often around mid-term or final exams.
Knowing people who can help you with babysitting or
running errands can lower your stress level and keep
you on track academically.

If you are you considering an associates degree at this

point, but might want to get a bachelors degree later on,
click here to learn more.

Use social networking. If you use social networking sites,

such as Facebook, MySpace, or Twitter, make contact
with other returning students or even alumni. These
students may be able to provide moral support and tips
on balancing family, work, and school.

11

Returning Student Worksheet

Do I have my high school diploma or GED? If not, what steps will I take to get my GED?
__________________________________________________________________________________________________
__________________________________________________________________________________________________
I am interested in a career in:
__________________________________________________________________________________________________
__________________________________________________________________________________________________
This career will require (type of degree: associates, bachelors, or graduate):
__________________________________________________________________________________________________
__________________________________________________________________________________________________
What accredited colleges in my area offer this program?
__________________________________________________________________________________________________
__________________________________________________________________________________________________
Did I take the SAT or ACT within the last five years? (What were my scores?)
__________________________________________________________________________________________________
__________________________________________________________________________________________________
If I must take the Accuplacer Placement test, how will I prepare and who can give me advice on preparing for this test?
__________________________________________________________________________________________________
__________________________________________________________________________________________________
What services do I need from a college (on-site daycare, family housing, evening and/or weekend classes, online classes)?
__________________________________________________________________________________________________
__________________________________________________________________________________________________
How many classes can I realistically fit into my schedule?
__________________________________________________________________________________________________
__________________________________________________________________________________________________
Does my employer offer tuition assistance or time off to attend classes?
__________________________________________________________________________________________________
__________________________________________________________________________________________________
Who can I rely on to help me with family or other commitments during busy times?
__________________________________________________________________________________________________
__________________________________________________________________________________________________

12

What If My
Career Plans
Are Uncertain?
For example, lets say you like computers, so you begin
think that a job as an IT professional might be a good fit.
However, the more you research this job, you realize youd
work in an office all day and that doesnt appeal to you.
Instead, you begin to think about how you once worked in
construction and, although the work was hard, you liked
being outside, seeing a building completed, and then
moving on to a completely different building project.
You begin to research what it would take to work in the
construction management field. Construction managers
oversee work on the job site and have a high degree of
responsibility.

If you are still in high school, you may not know yet just
what career is right for you. If you have been working a
while, you may have a better idea of what you dont want
instead of what you do want. Should you postpone
college until you have a firm idea of your career goals?
Not necessarily. Consider this:
Core Curriculum. Most colleges and universities require
students to complete a set of core classes. These are
classes every student must take to get a degree. Typically,
the core courses involve math, science, literature/English,
and history. By starting with these courses, you can hone
your studying skills while researching a career.
Research a Career. When thinking about careers, you
should consider your interests, abilitiesand what the job
truly entails.

13

What If My Plans Are Uncertain? continued

One of the best ways to learn about a job is to talk with

someone in that field. Better yet, if possible, ask if you can
shadow the person for a day or week to get a firsthand look
at the job.

If you dont know anyone in the job you are interested in,
talk with a librarian or school guidance counselor on how
you can explore a career. You also can ask help from
professional associations that represent the careers you
are considering. Professional associations are nonprofit
organizations that further a specific profession. These
associations often have Web sites that include forums
where you can post questions and interact with
professionals in that field.

When you meet with this person, ask the following

questions:
What education does your job require?
Was it difficult to get a job after you graduated? What are
my chances of getting a job in the field?

So, if you were interested in finding out more about

construction management, you could visit the Construction
Management Association of America (CMAA) Web site at
http://cmaanet.org/.

What kind of pay can I expect?

How many hours do you work in a typical week?
How does your career mesh with your family
responsibilities?
What are the pluses and minuses of your job?

14

What to Consider
When Picking
A College
Do you want to leave home to attend college? Or, do
you have family ties or job obligations that keep you close
to home? If so, what colleges are nearby? Do they offer
the courses you want?
If your dream is to live on campus during college, be part
of a large student body, and compete with students from
all walks of life, then a four-year mainstream college may
be the answer for you. (By mainstream, we mean a
college or university that services the general population.)
If not, you may want to consider a smaller community
college or tribal college.
A two-year community college is usually less expensive
and more flexible in its admissions policies than a fouryear university. On the other hand, the university will offer
more advanced coursework, and you may find it has a
more challenging environment. Of course, you can
always take a tiered approach to college by starting at a
community college and then transferring to the four-year
university later. Also, keep in mind that if you go to an
in-state public college or university, you will pay less
(often much less) tuition than if you go out of state.
A private school is usually much more expensive than
a public school, although some students get enough
financial aid to make up for the difference in cost.

15

What to Consider When Picking A College continued

Are online courses the right option for you? Online

classes offer some advantages. You can set your own
scheduleyou still have to turn in assignments on time,
but as the ads say, you can work in your pajamas. Still,
online courses have their cons too. In addition to needing
a good computer, youll probably need high-speed
Internet, which can be costly. Also, theres little social
interaction and instructor feedback is slower than raising
your hand in class and getting an immediate answer.
Lastly, you must be disciplined and have good study
skills. Learning at home can be convenient, but its
easy to postpone taking your courses and completing
assignments until you run out of time.

If you want to attend a school thats geared specifically

to the needs of American Indian students, you may wish
to consider a tribal college.
After narrowing down your choices, call, e-mail, or write
each school for information. Or, ask your high school
guidance counselor for the information you need.
If possible, visit your top college choices and talk to
students on campus to see which school feels right for
you. To organize your thoughts and the information that
each school provides, consider using the Researching
Colleges form.

If the career youve chosen involves technical training,

you may decide to go to a technical or business school
instead of college. Keep in mind, however, that some
technical schools are almost as expensive as college.
Its also very important to check out a technical schools
credentials and job-placement success because these
schools vary widely in quality.

16

Tribal Colleges:
Educating e
Mind and Spirit
Tribal colleges not only offer a wide array of college
courses, but infuse Native culture into those courses.
In fact, tribal colleges offer courses in American Indian
languages and cultures. For many American Indians, tribal
colleges are a way of honoring the past while preparing
for the future.
There are 33 accredited tribal colleges in 12 states and
others in Canada. Most are located on or near Indian
reservations, communities, or pueblos.
Here are a few more key facts about tribal colleges.

Some tribal colleges offer two-year certificate programs

or associates degrees. However, an increasing number
of tribal colleges offer four-year degrees and even
advanced degrees.

17

Tribal Colleges: Educating The Mind and Spirit

continued

Here are a few reasons to keep tribal colleges on your list

of schools to explore:

The traditional tribal college student is nontraditional.

In tribal college classrooms, an 18-year-old high school
graduate may sit next to tribal elders who never finished
high school. Parents go to college with their adult
children. The average age of a tribal college student is 30,
and women outnumber men.

All tribal colleges have an open admissions policy.

This means that if you have a high school diploma or
are working to earn one, you can enroll in tribal college.
Tribal colleges not only train students for jobs, they work
to help create jobs on reservations and pueblos where
poverty is rampant.

Nearly 1/3 of the faculty at tribal colleges are

Native people.
Tribal colleges understand the unique needs of Indian
students and the hurdles they face. Tribal college staff
members are ready to offer the guidance necessary to
help students finish their education.

Tribal colleges offer community services, including

alcohol and drug abuse counseling, preparation for high
school GED exams, and child care.

Click here to find out if theres a tribal college near you.

The cost to attend tribal colleges is kept to a minimum.

The average tuition cost is approximately $2,500.
Approximately 56 percent of tribal college graduates from
two year schools go on to a four-year institution, a far
greater number than the transfer rate of community
colleges in general.

18

Researching Colleges Form

College A:

School Name_________________________________________
What to ask a school for:

Response

Schools accreditation and

licensing documentation
Job placement rate
Admissions policies (grade point required,
college placement scores, etc.)
Costs (tuition, fees, room and board)
Scholarship, grant, and loan programs
Copy of campus security report
Schools refund policy in case
you withdraw early
Information about programs to support
American Indian and other minority students
Permission to sit in on classes
and meet with professors
The name of a student (or two) you could ask
questions of or who could show you around campus

19

Researching Colleges Form

College A Visit:
Are class sizes small or large? Did the students talk to the professors, or listen only and take notes? How was the
atmosphere in the classroom?
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
Were the students friendly and willing to answer my questions? Did I see other American Indian students? Was I
comfortable in this environment?
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
Does the school seem to embrace different culture? Does the school have a student association for American Indian
students? Will my American Indian heritage be valued on campus?
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________

20

Researching Colleges Form

College B:

School Name_________________________________________
What to ask a school for:

Response

Schools accreditation and

licensing documentation
Job placement rate
Admissions policies (grade point required,
college placement scores, etc.)
Costs (tuition, fees, room and board)
Scholarship, grant, and loan programs
Copy of campus security report
Schools refund policy in case
you withdraw early
Information about programs to support
American Indian and other minority students
Permission to sit in on classes
and meet with professors
The name of a student (or two) you could ask
questions of or who could show you around campus

21

Researching Colleges Form

College B Visit:
Are class sizes small or large? Did the students talk to the professors, or listen only and take notes? How was the
atmosphere in the classroom?
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
Were the students friendly and willing to answer my questions? Did I see other American Indian students? Was I
comfortable in this environment?
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
Does the school seem to embrace different culture? Does the school have a student association for American Indian
students? Will my American Indian heritage be valued on campus?
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________

22

I cant afford college. Different colleges charge different

tuitions and fees. Some can be reasonableespecially if
you explore grants and scholarships. Theres no doubt that,
as a student, youll make financial sacrificesbut youre
making an investment in yourself and in your family.
I dropped out of high school. Many community
collegesand nearly all tribal collegeswill help you get
your high school equivalency diploma (GED) and guide
you to courses you can take to get ready for college work.

Ill lose my American Indian identity. There was a

time when education was something imposed on Native
peopleand American Indian culture was sacrificed along
the way. The sad legacy of forced boarding schools still
haunts people today. But today, education is something
that you can define for yourself. Your college courses could
include classes to learn your Nations language and rich
history. Your college education can become a way of developing important career skills and celebrating Indian culture.

Overcoming
Obstacles and
Doubt

I have to work. Many students work full time or part time

during college. Consider schools that offer night or weekend classes and allows you to attend part time.

Your employer could be a surprising source of support.

For example, your company may be willing to pay for part
of your tuition. Perhaps your schedule can be changed to
fit class schedules. Your boss also may be willing to let you
use the companys Internet connection to help you do the
necessary research to finish your assignmentsor even
take online classes.

Many people face obstacles when planning forand while

attendingcollege. But, there are ways to overcome or
cope with these problems. Scroll over the problems that
apply for you and see if these possible strategies might
helpor prompt you to come up with your own solutions.

The closest school is 50 miles away. A long drive to

school is a heavy burdenbut good company makes it
better. Ask around your community to see if someone else
is already attendingor wants to attendyour school.
Try to work out a ride-sharing plan.

If you do have a computer (a laptop, preferably) try to find

where broadband might be available. Some tribal and other
community centers pay for broadband. Your employer may
allow you to use the companys Internet connection to
complete assignments. (Always ask first your employer
for permission firstnever assume.)
There are plans to make broadband more accessible in
rural and remote areas, so keep asking questions about
availability. This years no may be next years yes.

23

Overcoming Obstacles and Doubt continued

I have a family to take care of. If you have children and
a partner, its perfectly all right to ask for more help while
youre a college student. After all, what youre trying to
achieve isnt just for yourself, but for your family and
your community.

My family and friends dont think I should go to college

and its hard to deal with their disapproval. Your friends
and family may have very conflicted ideas about education.
This could be because of the history of boarding schools
or it could be because some attended mainstream
universities and felt so isolated that they left. Maybe they
just dont want you to change too much and leave behind
your culture.

If you are a single parent attending college, it will be difficult

at times. Still, one of the most important things you can do
for yourself and your family is to further your education.
Its a way to rise above poverty.

You can acknowledge their concerns, but only you can

know what is right for you. If you take the time to decide
what school and course of study is a good fit, you can
walk that dual path of honoring culture while embracing
education.

Try to line up a network of people who can help you through

the crunch times all students face. While youre busy
studying for an exam, maybe a friend can pick up your
groceries along with her own. Perhaps relatives could take
your kids along with theirs to a sporting event. You will have
to learn how to ask for help.

When you can, give back to your community. This will

demonstrate that your education is a benefit to all.

Find out if your college offers child care or financial help to

pay for child care.

It just seems so hard and complicated. Getting a college

education wont always be an easy taskbut its worth it
and there are many people and programs to help you along
the way. Many people struggle in lifeand many have
found ways to overcome their challenges and ways to
benefit others. Consider Radmilla Cody.

Look into support groups and blogs on the Internet. These

can be a good way to share ideas. Still, remember, some
people use the Internet to scam or even harm people.
Never disclose too much personal information, such as
your real name, address, physical description, etc.

Im too old. The world has something new to teach us

every day. There is no day where youre too old to learn
and no day when you dont have new knowledge to share.

I had bad grades in high school. Your bad grades were

in your past. Now its about your goals and motivation.
Start by filling in the gaps and learning good studying
habits. Try these tips:

Consider tutoring services or remedial courses so

youll be prepared to tackle your college courses.
Set aside a routine time for study (whatever time
works best for you) and a regular place to study.
Keep a separate notebook for each class.

Keep good notes, written and recorded (if the

instructor allows tape recordings).

Create a system to remind yourself of assignment due dates, exams, etc. This could be a
simple paper chart with color coding (signifying
importance) or it could be a tracking system on
the computer.

24

Radmilla Cody
A voice and a spirit on a mission
In 2010, National Public Radio named Radmilla Cody as one of its 50 Great Voices.
But life hasnt been easy for the traditionalyet uniqueNavajo recording artist.
Her mother is Navajo and her father is African-American, and Radmilla was raised
by her grandmother on the Navajo reservation outside Flagstaff. Radmillas first
audience was the sheep in the corral behind her grandmothers house.
In time, she became involved with an abusive boyfriend and spent 18 months in
prison for not reporting his drug dealings. Yet, she prevailed. In her song, Blessing
in Disguise, she sings, I may be scarred, but I refuse to fall; I have the power to
look beyond it all; Ive grown, Im here, Im persevering into a stronger mind.
And part of her persevering is in giving back. Radmilla has become an anti-domestic
abuse advocate and she communicates positive messages about her biracial identity.
To learn more about Radmilla Cody visit
http://www.npr.org/templates/story/story.php?storyId=126638085 and
http://www.radmillacody.net/ .

25

Making
A Timeline
Six Months Out

If you decided today that you want to go to college next

week, there will be little time to prepare for college, secure
financial aid, and make a wise choice about which college
to attend for the next two or four years. The timeline proposed here gives you time to consider your options. You
may not need all the time listed here. In that case, make
your own timeline and accomplish these steps sooner. Just
keep in mind that when applying for admission, financial
aid, or credit for skills already learned, each program works
at its own pace.

Apply for financial aid.

Send in your college applications.

Three Months Out

Pick the college or university you want to attend.

Notify the school that you plan to attend and return any
required paperwork.

Two Years Out

If you will be living away from home, reserve a dorm room,

a family housing apartment, or an apartment off campus.

Begin researching careers and talking

to people about their jobs.

One Month Out

Start collecting information about schools.

Enroll in classes and attend orientation for new students.

If possible, visit several schools and narrow your choices

to two or three.

Look over the syllabus for each course. The syllabus is the
outline and summary of topics that will be covered in the
course. The syllabus should also note what books are
required for the class.

Start taking any remedial classes youll need to get into

these colleges. If you dropped out of high school, start
working on your GED.

Start buying required books. Used books cost less,

but make sure they are the edition required in class.

If you are in high school, talk with your guidance counselor

about what classes you can take to help you prepare for
college. Prepare for the SAT or ACT. Also, take on a
leadership role where possible. Colleges want students
who know how to lead and how to give back.

Study the map of the campus and visit each classroom.

This way, you wont feel so rushed on the first day of
classes.

Buy the supplies youll need (backpack, pens, notebooks

or folders, and so on). Supplies are likely to cost less
off campus.

One Year Out

Sign up for any college entrance exams (SAT, ACT)

you are required to take.

First Day

Get application materials from the colleges that

interest you.

Congratulations! Youve started on a new path. Celebrate

and study.

If you are a returning student, find out if the colleges youre

considering accept College-Level Examination Program
(CLEP) credits. If so, schedule a CLEP exam.
Start researching and applying for private scholarships.

26

How to Prepare Financially for College High School Students

As a high school student, you may not have a lot of extra money in your pocket that you can set aside for college.
Still, small amounts add up over time. Consider the following:
Monthly Amount

Number of Months

Total in Savings Account

(assumes 1.20% interest)

$50

12

$607

$30
$75
$30
$50
$75

12
12

$364
$911

24

$729

24

$1,214

24

$1,822

My plan to set aside money:

Monthly Amount
$

Number of Months

27

Total in Savings Account

(assumes 1.35% interest)
$

Making A Timeline continued

Be inventive. If part-time or summer jobs are scarce,

look for other opportunities. If you have a car, maybe you
can charge a fee to pick up groceries, prescriptions,
or other items for a neighbor while you run your own
errands. Maybe youve seen a neighbor with a crowded
garage or other clutter that needs organizing. Can you
safely chop wood for a fireplace? If you already have a
part-time job, consider (gently) letting your boss or
customers know you are saving for college. A boss may
be motivated to give you a little holiday bonus for college.
And if you get tips, regulars may be a bit more generous
if they know of your college plans. The key is to be
proactivebut never pushy.

Even if you can only save $30 a month for a year, that
amount may cover the cost of books or other fees. Some
ways to set aside money for college include:

Take on a part-time job and set aside much of what you

earn into an account just for college. Possibilities include
a summer job or an after-school or weekend job. If you
consider an after school or weekend job, just be sure
youre not taking on too much. Your academic standing
could end up being more important than the size of your
savings account.

Ask for donations instead of gifts at holidays and

birthdays. Let relatives know you are saving for college
and that a donation would be more important than gifts
right now. (Gifts are fun, but once the novelty wears off,
its just one more item that takes up space. Having money
in the bank when you start college is the best gift you
can give yourself.)

28

How to Prepare
Financially
for College
Returning
Students
As an adult, youre probably very busy. You may have
a job; you may have kids. You may wonder how you can
set aside money for college. There are steps you can take
to financially prepare to be a student.
Step One: Make a Spending Plan

When you have a plan for your money, its easier to find
a way to set aside even a small amount of money on a
consistent basis for your upcoming education costs.
Click here to learn more about a spending plan.
Step Two: Pay Down Debt

When you become a student, money will become even

tighter. The best way to prepare for this time is to have little
or no debt. Click here to learn how to get rid of debt.

After you take these two initial steps, you should be able
to put some money aside in an account just for college.
The right place to save this money will depend on when
you plan to become a student. Click here to consider
some account options.

29

Saving for College

High School
and Returning
Students
On the savings chart, you see that even small amounts
can add up to a good savings for college. However, you
probably noticed that when the money was put in a regular
savings account, you dont earn much in interest. A savings
account is very safeand you dont want to risk your
college dollarsbut it is not the only choice.

30

Saving for College: High School and Returning Students continued

If possible, look into a 529 college savings plan. You, your parents, or some other responsible adult may want to
set up one of the following:

529 College Savings Plan/Prepaid Tuition Plan. 529 plans are a way to save for an individuals college education and
gain a tax advantage. Returning adult students also can set up their own 529 plan; however, like all savings plans, the
sooner you start, the more youll have for college. There are two types of 529 plans: college savings plans and pre-paid
tuition plans. All 50 states and the District of Columbia have at least one type of 529 plan. Some private colleges and
universities also sponsor a pre-paid tuition plan. The chart below highlights the differences between the two plans:
Prepaid Tuition Plan

College Savings Plan

Locks in tuition prices at eligible public and

private colleges and universities.

No lock on college costs.

All plans cover tuition and mandatory fees only.

Some plans allow you to purchase a room & board
option or use excess tuition credits
for other qualified expenses.

Covers all "qualified higher education expenses," including:

Tuition
Room & board
Mandatory fees
Books, computers (if required)

Most plans set lump sum and installment

payments prior to purchase based on
age of beneficiary and number of years
of college tuition purchased.

Many plans have contribution limits

in excess of $200,000.

Many state plans guaranteed or backed by state.

No state guarantee. Most investment options are

subject to market risk. Your investment may make
no profit or even decline in value.

Most plans have age/grade limit for beneficiary.

No age limits. Open to adults and children.

Most state plans require either owner or

beneficiary of plan to be a state resident.

No residency requirement. However, nonresidents

may only be able to purchase some plans
through financial advisers or brokers.

Most plans have limited enrollment period.

Enrollment open all year.

Source: Smart Saving for College, FINRA

Before setting up a 529 plan, make sure you know how the plans work and the fees and expenses associated with them.
To learn more about 529 plans, visit An Introduction to 529 Plans and 509 Plans.

31

Saving for College: High School and

Returning Students continued

U.S. Savings Bonds. U.S. Series EE savings bonds or

Series I saving bonds offer tax advantages for college
savers. The interest from these bonds often is tax-free
(depending on income) if used for higher-education costs.
EE bonds now earn a fixed rate of interest (currently
1.40%) and paper bonds are sold at half the face value.
For example, a $100 EE savings bond will cost $50. Series
I bonds are sold at face value. A $100 I savings bond will
cost $100. The interest you would earn with an I bond is
tied to the rate of inflation. Savings bonds can earn interest
for up to 30 years. However, if the bonds are redeemed
in less than five years, the person will pay a penalty.
Click here to learn more about the Education Savings
Bond Program.
Other Savings Options. There are other savings vehicles
available. Some of them are lower risk (certificates of
deposit [CDs] and money market accounts) and some are
higher risk (stocks, stock mutual funds, etc.). Lower risk
often means lower long-term earningsbut youll rarely
lose money. Higher risk may mean greater long-term
earningsbut losing is a real possibility. If youre in high
school or an adult planning on going to college, you dont
have a lot of time to recover from a losing bet, so look into
safe college investments. Click here to learn more about
safe places to save your money.

32