Paving the Way to College: 4 Things Parents Need to Know

Senior year: It’s a time to finish college applications, solidify friendships and look forward to the freedom and the responsibility that come once that final bell rings. A lot of feelings surface during that final year, especially for parents. While your son or daughter might be overjoyed to finally fly the coop and live independently, you’ll probably be dealing with your own mix of emotions, and you’ll want to be sure they’re ready to begin college in the fall.

For families with a child headed to college, senior year is best thought of as a transition year. Plan ahead to make sure your family stays on track.

To help you and your child with a successful transition, here’s the essential list of landmarks on the road that will take your child from a senior in high school to a freshman in college.

1. Apply yourself in the fall

The journey to college begins early, and by the fall of senior year in high school, your child should be in full transition mode. They should be finishing campus visits and finalizing the list of colleges where they want to apply. Make sure they’ve spoken with admission counselors, thoroughly researched schools they’re interested in and have everything they need to complete their college applications.

Keep tabs on important deadlines and stay organized to avoid missing any critical due dates. For example, will they want to apply early decision or early action? If so, make sure you have weighed how this could impact your financial plan for college.

2. Focus on financial aid from the start

For many parents, one of the biggest anxieties around college is the cost. Don’t forget that the Free Application for Federal Student Aid (FAFSA) opens on Oct. 1, and some aid is awarded on a first-come, first-served basis. Make sure you submit the form as soon as it’s available.

Because everyone has different needs, figuring out how to finance your child’s education requires some research.

At College Ave Student Loans, you can find private loan options for parents and students. Even if you’re not ready to take a loan out yet, parents and students can try out the fast and easy pre-qualification tools to find out if their credit pre-qualifies for a loan, and what interest rates they could expect, all without impacting their credit scores. Calculators are also available to help you explore your options and see how you can customize the loan payments to fit your budget.

3. Spring time is decision time

Early in the spring, your child will start to receive their first acceptance letters. Once they’ve heard from all of the schools where they applied, they’ll have a big decision to make.

They need to do more than just decide which school to attend; they’ll also need to send in a deposit, complete their housing form and accept financial aid packages.

A crucial step in this process is comparing award letters from the colleges where your child has been accepted. In reading these letters, pay close attention to how schools list the total costs. For instance, some schools will subtract the awarded loan amount from the total cost of attendance, while others will not. This could make the net cost of some schools appear less than others when in reality they are not, so take your time reading the documents.

4. Tie up everything in the summer

Before they head to campus, you and your children should create a budget to keep tabs on college bills. This will help you to stay on track financially and set the right expectations about how they need to manage their money.

You can help your soon-to-be freshman by working with them to outline a monthly budget that will take into account expected and unexpected expenses. Take a look at their financial aid packages and any income they might be earning and block out the monthly mandatory expenses. Then decide how much money they can spend on things like entertainment.

If you find that scholarships, grants and federal aid don’t cover everything, private loans could be one solution for some college-bound students.

For parents and students, senior year is an exciting period. Knowing what steps to take and staying ahead of financial matters with useful tools like the ones at College Ave Student Loans can help make the transition easier for everyone. (BPT)

5 Tips to Make Sense of Cyber Security

It’s no secret that kids have a sense of invincibility. While that trait can bring some endearing reminders of the innocence of childhood, it can also have some highly unfortunate consequences. In the context of cyber security, an action by an unknowing child can impact the entire family.

The majority of U.S. households are filled with devices that pose a potential threat to your personal security. In fact, according to the 2016 Global Consumer Security Survey by Trend Micro, nearly half of households have two or more computers and nearly a third have three or more smartphones. That means the opportunities are plentiful for missteps to occur.

Despite the many benefits of a highly connected world, the potential for danger is strong. The same study found that 65 percent of respondents’ computers had been infected with a virus or malware. Other concerns included damage or loss of files, children viewing inappropriate content, cyberbullying and ID or password theft.

While there are plenty of parental controls and blocks available, they aren’t foolproof. Educating children about the potential risks and how to avoid them can go a long way toward protecting your family from potential cyber problems.

Open up a conversation with your children about cyber security with these tips from the experts at Trend Micro:

  1. Understand what you’re saying yes to. Be involved, knowledgeable and interested in the devices, apps and sites your children use for school and for fun. For sites they use for school, ask their teachers for more information. For apps they’re using at home, spend 15 minutes trying it out yourself.
  1. Use privacy settings and features. Make sure you understand what privacy protections your browser or devices offer for your family when your kids are accessing their favorite sites, apps and online services. Many browsers allow you to prevent sites from tracking what you do and where you go online, so spend some time looking at web browser settings to see what privacy options are available to you. Mobile devices also have settings that can restrict apps from knowing your physical location or accessing your camera, microphone, photos or contacts.
  1. Use features and services available within an app or website. Also take a look at the privacy settings available in the specific apps, websites or games your family uses. Most will let you have a private account, which means the whole world won’t be able to see what you post or who you’re connected to. It also means that people have to ask your permission before they can follow you.
  1. Remember that being online is a public life. Nothing is truly private online. If you and your family keep this in mind, it can help you all think through what you are about to post, like and click on, as well as who you connect with online.
  1. Talk to other families. Other kids or families may have a different definition of what is or isn’t “private.” Encourage your kids to talk to their friends about how they will respect each other’s privacy online. Good friends will understand, think and ask before posting a photo or information about their friends. Talk to other parents about your feelings on privacy, too, and ask for their opinions with the goal of protecting and respecting each other’s privacy online.

Explore more ideas to keep your kids and family safe online at internetsafety.trendmicro.com. (Family Features)