College Decisions
How am I supposed to know what I want to do for the rest of my life at 18 years old? I have no idea where I want to go to school. How am I going to afford it? As a high school teacher, I get these questions almost daily. The problem is most schools do not equip students with the answers to any of these questions.
There really isn't a right answer to any of these questions, but here is what I tell my seniors...
You don't have to know what you want to do for the rest of your life at 18. It is important to figure out what you are interested in or the subject matter you enjoy. I changed my major 9 times when I was in college and only lost a total of 3 credits...Not Bad! I did however know I enjoyed science and biology and my major changed all within that realm (pre-med, pharmacy, bioengineering to name a few). I also advise my seniors to research the colleges they are applying to. If it is a large school with several branch campuses, be SMART! Pick a major that is only offered at MAIN CAMPUS. After all, who wants to attend a branch campus? Once you get in, you can always change your major. It is not a big deal to change it, and counselors deal with these changes often!
College loans are the cheapest money you will ever get! With interest rates lower than 5% (mine are
actually 1.6%), you won't ever find money any cheaper. This is essentially free money. Mortgage companies actually consider student loans "good debt." Money you spent to further your education and essentially make you more money down the road. You can defer all of your loans until after you graduate and find your dream job. Defer means you will not make any payments until after you have completed your degree and start making money.
Are scholarships always good? One of my current students, received a full ride for academics to a school in the city (bad location, high crime rate). But it is free! He has also got accepted at some of the top universities in the country. He asked me my opinion this week. I told him my advice...go to one of those top universities and skip the free ride. Why you may ask? I said to him, "if you got offered a house for free in the worst part of the city (high crime, bad location), would you move in to that house just because it was free? Wouldn't you rather a have a nice house in a good location where you know you will be safe and have good living conditions?" Free isn't necessarily better! When you are competing against the best in the world, you need to be the best and go to the best schools. Applying to graduate schools, medical schools, law schools and even jobs are extremely competitive. These applications ask where you graduated from for a reason. The name matters! Consider this when picking your school!
Lastly, know yourself well enough to put yourself in the best position possible. Were you the kid who couldn't spend the night at a friends house and had your parents pick you up at midnight so you could sleep in your own bed? If this was you, going to school halfway across the country probably isn't a good choice. The last thing you want is to get that weird feeling and drop out!
I wish you the best of luck as you decide which college or university is best for
you! These will be the best years of your life! Enjoy the moment! It
goes by so fast! Before you know, you will be tossing your cap in the air and entering the real world. Good Luck!