1 Cash for College Octubre 2015Thank you for coming to our LA Cash for College workshop.

2 Cash for College Socios y PatrocinadoresOffice of Mayor Eric Garcetti Bixel Exchange California Cash for College City of Los Angeles City of Los Angeles Economic and Workforce Development Department Edvisors.com FamilySource Financial Aid TV Los Angeles Area Chamber of Commerce Los Angeles City Workforce Investment Board Los Angeles Community College District Los Angeles County Department of Children and Family Services Los Angeles Unified School District UNITE-LA WorkSource California YouthSource This session is sponsored by LA Cash for College and their partners and sponsors shown on the screen.

3 ¡La universidad es Poder!Una Educación Universitaria Abre Puertas a una Vida Mejor, a un Trabajo Mejor y Muchos Otros Beneficios College is power! That is because a college education opens doors to a better life, better jobs and many other benefits.

4 Descripción del Taller¿Porqué los estudiantes deben ir a la universidad? La universidad es el camino hacia el éxito y una vida mejor Los graduados universitarios ganan más dinero y obtienen mejores puestos de trabajo Los empleos del futuro requerirán más habilidades que las proporcionadas solo con una educación secundaria Las tasas de desempleo son más bajas para los graduados universitarios ¡La universidad es muy divertida! Cómo Pagar La Universidad During this workshop, we will help you understand why students should go to college. Some of the reasons are: College is the pathway to success and a better life; College graduates earn more money and get better jobs; Jobs of the future will require more skills than those provided by a high school education alone; Unemployment rates are lower for college graduates; and College is a lot of fun! In addition, students who go to college are more likely to see their own children go to college. We will also discuss how financial aid can help students and their families pay for college.

5 ¿Quien quiere un millón de dólares?Los graduados universitarios ganan más de $ 1.2 millones más durante su vida que los graduados de la escuela secundaria Research shows that 4-year college graduates earn over $1.2 million more during their lifetimes than high school graduates. As the chart shows, the more education one completes, the greater will be his/her lifetime earnings.

6 ¿Qué Ofrece la Ayuda Financiera?El acceso a los fondos para ayudar a pagar por 4-años de colegios públicos e independientes y universidades Los colegios comunitarios Las universidades privadas Elección entre las escuelas Elija la mejor escuela académica, profesional, cultural y social más adecuada en lugar de el programa menos costoso Financial aid offers students: Access to funds to help pay for 4-year public and independent colleges and universities, as well as community colleges and private career colleges. In addition, it provides students with: Choice among schools and allows them to choose the best academic, career, cultural, and social fit rather than just the least expensive academic program.

7 ¿Cómo Pagar la Universidad?Mitos de ayuda financiera Conceptos de ayuda financiera Tipos de ayuda financiera Fuentes de ayuda financiera Cómo solicitar la ayuda financiera Búsqueda gratuita de becas Now that you understand the importance of earning a college degree, let’s look at some of the ways students and families can pay for college. Over the next few minutes, we will discuss some: financial aid myths; financial aid concepts; financial aid programs and their funding sources; how students apply for financial aid; and finally, where to look for free sources of scholarships.

8 Mitos de Ayuda FinancieraEl mito de la ayuda sin reclamar afirma falsamente que miles de millones de dólares no fueron reclamados el año pasado. Hay una castigo por ahorrar, por lo que obtendrá más ayuda financiera si no ahorre. Mi hijo o hija va a ganar un educación gratis por medio de becas. There are many misconceptions about financial aid. Let’s set the record straight on a few of them. The most common version of the unclaimed aid myth says that $6.6 billion in scholarships went unclaimed last year. This myth is more than 30 years old and has nothing to do with scholarships. The reality is that almost all scholarships receive far more qualified applicants than available funds. The few scholarships that do go unclaimed can’t be claimed because of restrictive selection criteria. There is one form of financial aid that does go unclaimed, and that’s the Federal Pell Grant. About 2 million students in who did not file the FAFSA would have qualified for a Federal Pell Grant if they had filed the FAFSA. Of them, 1.3 million would have qualified for the maximum Federal Pell Grant. You can’t get aid if you don’t apply. There is a slight penalty for savings. If you save in the parent’s name, financial aid will be reduced by at most 5.64% of the net worth of the savings. This is in contrast with 20% of student assets. Despite this small penalty, you are still better off. For example, $10,000 in the parent’s name will reduce aid eligibility by $564, leaving the family with $9,436 available to pay for college costs. Every dollar you save is a dollar less borrowed, and every dollar borrowed will cost about two dollars by the time you repay the debt. Scholarships are part of the plan for paying for college, not the entire plan. About 1 in 8 students in Bachelor’s degree programs uses scholarships to pay for college, and the average amount is about $4,000. Only 0.3% win enough scholarships and grants to cover all college costs.

9 Otros Mitos de Ayuda FinancieraSi no puede pagar mucho eso significa que su hijo no puede ir a la universidad Obama perdona los préstamos estudiantiles Here are a few more myths to dispel: 4. The reality is there are many factors - beyond annual family income - that are considered in determining a family’s ability to pay for college expenses. These include, but are not limited to: family size; net value of parent and student assets; the age of parents; the number of children in college; and special student and family circumstances. 5. The most common version of this myth claims that up to $45,000 in federal student loan debt will be cancelled after 20 years in repayment, provided that the borrower has repaid at least 10% of his or her student loan balance. Some versions of the myth require the borrower to have graduated from college. Other versions claim that private student loans may also be forgiven. Like many myths, this myth is a distortion of real programs. There are three student loan repayment plans where the monthly payment is based on a percentage of discretionary income, with forgiveness of the remaining debt after 20 or 25 years in repayment. The forgiveness period is decreased to 10 years if the borrower works full-time in a public service job, subject to other eligibility restrictions. See https://www.edvisors.com/blog/obama-loan-forgiveness / for full details.

10 ¿Cuáles son los Conceptos Básicos de Ayuda Financiera?Costo de Asistencia del Estudiante Contribución Familiar Anticipada Necesidad Financiera del Estudiante There are three basic concepts related to financial aid. These are: the college’s cost of attendance; the family’s expected contribution; and the student’s financial need. Now let’s look at each of these concepts.

11 Los Costos para ir a La UniversidadMatrícula & Cuotas Libros & Utiles Alojamiento &Comida Cost of Education There are costs connected with going to college that you may not have had to consider while your student was in high school. When colleges and universities look at a student’s annual cost of going to college, the school considers: - average tuition and fees; - estimated cost of books and supplies; - room and board (housing and food) depending on where the student will live when in college - some personal expenses such as clothing, internet service, and entertainment; as well as - transportation to and from the college campus. These costs can vary depending on the type of college the student attends, academic major and whether the student lives at home, on-campus, or close to the campus in his/her own residence. The cost of attendance may be adjusted by the college financial aid office to include high unreimbursed dependent care costs and the cost of a computer. Gastos Personales Transportación

12 ¿Cuál es la Contribución Familiar Esperada?La Contribución Familiar Anticipada (EFC) es la cantidad que una familia (padres y estudiantes) es esperada para contribuir con los ingresos y los bienes a travéz del tiempo The Expected Family Contribution (often called the EFC) is a measure of the family's financial strength. It is calculated based on the information the student and his or her family provide on financial aid applications and is a minimum measure of the family's share of college costs. It is used in the calculation of financial need and in the determination of the student's eligibility for student financial aid. In determining the expected family contribution, both students’ and their custodial parents’ incomes and, possibly, a portion of their assets (cash, savings, checking and investments) will be considered. The actual amount the family will pay may be higher than the EFC, since some colleges do not satisfy the family’s full financial need (called gapping the student) and some colleges use loans (which must be repaid) to cover all or part of the student’s financial need.

13 ¿Qué es la Necesidad Financiera?Costo de Asistencia - Contribución Anticipada Familiar Necesidad Financiera* * La elegibilidad para Ayuda Financiera  se basa en la necesidad económica And, finally, the concept of student financial need can be expressed as the simple equation shown on the slide. Student Cost of Attendance minus the calculated Expected Family Contribution equals student Financial Need. Cost of Attendance - Expected Family Contribution Financial Need In other words, financial need is the difference between total college costs and the family’s ability to pay. A student’s financial aid eligibility is based on financial need. Total financial aid received cannot be greater than the student’s financial need.

14 ¿Cómo Funciona La Fórmula?CC CSU UC Independent Costo* $14, $24, $32,300 $55,000 EFC Necesidad $13, $24, $31, $54,500 En el mejor de los casos posibles, "necesidad" completa será reunida con premios de ayuda financiera compuesta de subvenciones y becas, junto con una cantidad razonable de trabajo y préstamo. Algunas escuelas no son capaces de satisfacer la necesidad total, lo cual puede aumentar lo que pagan las familias. *Se supone que el estudinate va a vivir fuera del hogar. El “Costo” total para los estudiantes que viven en el hogar son más bajos* Let’s look at some examples about how colleges and universities calculate a student’s financial need. In our examples, you will note that the cost of education for attendance at four different types of schools varies. However, also note that the EFC (Expected Family Contribution) stays the same. That means that student need will vary based on the cost of the school. The more expensive the school, the more financial aid the student may be eligible to receive. In the best of all possible worlds, full “need” at the school the student wants to attend will be met with financial aid awards made up of grants and scholarships along with reasonable amounts of work and loan. Some schools are not able to meet full need which increases what families may have to pay. If full need is not met, a student may have to borrow or work more. Note: the costs shown in this slide assume that the student will be living away from home rather than at home with the family where costs may be lower.

15 ¿Cuáles son las Principales Fuentes de Fondos de Ayuda Financiera?Ayuda Gratuita- Las subvenciones o Becas - dinero gratis que no necesita ser reembolsado Trabajo Trabajos de medio tiempo donde los estudiantes ganan mientras aprenden Préstamos Dinero prestado que debe ser pagado, generalmente con interés There are three major types of financial aid – grants and scholarships, work-study, and educational loans. Grants and scholarships are gift aid that does not require repayment. Grants are usually based on the student’s financial need. Scholarships are generally based on talent and/or merit. While there are a number of grants and scholarships for California students, the Cal Grant program is one of the most widely available and valuable. Cal Grants are an example of gift aid based on need and merit. We will discuss Cal Grants in more detail later in the presentation. Work programs provide opportunities for students to earn money to help pay for school expenses. Both students and parents can borrow from a variety of low-interest educational loan programs designed to help with the educational expenses of the student. Student loans usually do not require repayment until the student is no longer in school. Parent loans may require payment while the student is still in school.

16 ¿Cuáles son las Fuentes Principales de Ayuda Financiera?Gobierno Federal Gobiernos Estatales Colegios y Universidades Agencias Privadas y Organizaciones By completing the financial aid applications and any other documents required by the colleges and universities to which the students are applying, they may be considered for funds from: - the federal government; - the state government; as well as - the colleges and universities themselves Private agencies, companies, foundations, and maybe even the parents’ employers provide scholarships for college. Though important, these sources scholarship provide less than 6% of the total financial aid and 13% of the gift aid awarded to students. Check with each of the private agencies, companies, and foundations to which the students wish to apply about application forms and deadlines. Web sites such as and are good resources for such scholarships.

17 Becas Basadas En Necesidad Económica para el Año en CursoBecas Federales Pell ($5,775 máximo anual) Beca Federal Complementaria para la Oportunidad Educativa  (FSEOG) $4,000 máximo anual Becas Cal Grant del Estado (necesidad económica; segundo y tercer año del GPA acumulativo) CSU’s - matrícula y honorarios completos relacionados con la educación en todo el sistema ($5,472) UC’s - matrícula y honorarios completos relacionados con la educación en todo el sistema ($12,240) Independientes (hasta $9,084) Colegios Profesionales privados (de $4,000 hasta $9,084) Las becas de Colegios y Universidades Exención de Cuotas de los Colegios Comunitarios (BOG) CSU Becas Estatales para la Universidad (SUG) UC Becas Becas de colegios independientes y privados / universidades Let’s look at the maximum values of some grants based on student financial need that were available to students attending college in The Federal Pell Grant, a grant available to the neediest of students, has a $5,775 maximum per year for full-time students. Some colleges and universities may provide up to $4,000 per year in Federal Supplemental Educational Opportunity Grants (FSEOG) to their neediest students. State Cal Grants, one of the most valuable grants in California, is based on financial need as well as the students’ cumulative GPA from their sophomore and junior years. The value of these maximum tuition grants at California colleges and universities for full-time are as follows: The California State Universities (CSU) - $5,472 The University of California (UC) - $12,240 Independents colleges and universities - up to $9,084 Private career colleges – from $4,000 to $9,084 Students attending California Community Colleges are not eligible for Cal Grants for tuition, but may be eligible for Cal Grant stipends to help with books, supplies and other educational expenses. In addition, colleges and universities may provide other college grants which will vary in amounts. Examples are: - Community College Fee Waivers (BOG) - CSU State University Grants (SUG) - UC Grants - Independent and private college/university grants

18 Ganancias por el Trabajo del EstudianteTrabajo-Estudio - Programa de trabajo durante el año escolar o de verano para estudiantes con necesidad económica Los ingresos regulares de trabajo durante el año escolar Trabajos de verano Los estudios muestran que la mayoría de los estudiantes que trabajan tiempo parcial en puestos patrocinados por el colegio tienen calificaciones igual o mejores que los estudiantes que no trabajan y tienen más probabilidades de graduarse en cuatro años Students have many work opportunities such as: - Work-Study – federal and college work programs during school year or summer for students with financial need; - regular work earnings during school year; and student summer jobs. Studies show most students who work in part-time campus-sponsored jobs earn as good or better grades than non-working students and they are more likely to graduate within four years. But, working too much can hurt academic performance. Students who work a full-time job during the school year are half as likely to graduate as students who work 12 hours a week or less.

19 Préstamos Educativos: Una Inversión en el Futuro de su HijoPréstamos Federales Stafford Préstamos Federales PLUS Préstamos Privados o Institucionales para los estudiantes y padres Planes Institucionales de Pago Mensual Algunas familias utilizan los préstamos con garantía hipotecaria para la universidad El interés pagado sobre préstamos estudiantiles es deducible en las declaraciones de impuestos federales para muchos estudiantes y padres de ingresos medios As we mentioned before, educational loans are an investment in your child’s future. Examples of such loans are: Student loans, like the Federal Direct Stafford Loans; Parent loans, like the Federal Direct Parent PLUS Loans; and Private or Institutional Loans for students and parents In addition, families might choose to consider Institutional Monthly Payment Plans or Home Equity loans to help pay for college expenses. Note: Up to $2,500 per year in interest paid on qualified education loans may be deductible on federal income tax returns for many middle income students and parents. Check with your tax advisor.

20 2016-2017 Cal Grant A Por DerechoTodos los estudiantes que hayan obtenido de la escuela secundaria un GPA de 3.0 o más, que demuestren necesidad económica con ingresos y bienes familiares bajo el límite máximo estatal, y presenten a más tardar el 2 de marzo de recibirán hasta cuatro años de las cuotas en todo el sistema de UC ($12,240) y CSU ($5,472) hasta $ 9,084 para la matrícula y cuotas en los colegios y universidades independientes de California puede ser desde $ 4,000 a $ 9,084 para la matrícula y cuotas en colegios profesionales privados y universidades elegibles de California Let’s talk about the two major Cal Grants in a little more detail. Please note: for purposes of the Cal Grant A and B Entitlement Awards, a “recent high school graduate” is defined as a student who is applying for a Cal Grant within 12 months of high school graduation. Awarded grants may be renewed if students and their families continue to meet all eligibility requirements. First, Cal Grant A All students who have earned a high school GPA of 3.0 or greater, demonstrate financial need, meet parental income and asset requirements, and file by March 2, may receive up to four years of system-wide fees at UC ($12,240) and CSU ($5,472) campuses. Such students may receive as much as $9,084 toward tuition and fees at eligible independent California colleges. Students attending eligible California private career colleges and universities may receive between $4,000 and $9,084.

21 2016-2017 Cal Grant B Por DerechoTodos los estudiantes que hayan obtenido un promedio de calificaciones de la escuela secundaria su GPA de 2.0 o más, demuestren la necesidad económica con ingresos y bienes familiares bajo el límite máximo estatal y presenten a más tardar el 2 de marzo de 2016 pueden recibir hasta cuatro años de un estipendio de $ 1,656 para gastos de manutención durante un máximo de cuatro años en todos los colegios y universidades de California además las cuotas en todo el sistema de UC ($12,240) y CSU ($5,472) desde el segundo al cuarto año tanto como $ 9,084 para la matrícula y las cuotas desde el segundo hasta el cuarto año en los colegios independientes de California puede ser desde $ 4,000 a $ 9,084 para la matrícula y cuotas en colegios profesionales privados y universidades elegibles de California desde el segundo hasta el cuarto año Cal Grant B is similar to Cal Grant A in that all students who demonstrate financial need, meet parental income and asset requirements, and file by March 2, 2016 may receive up to four years of Cal Grant. But, the high school GPA requirement is lower or greater. These eligible students may receive: - a $1,656 stipend for living expenses for up to four years at all California colleges and universities; plus - system-wide fees at UC ($12,240) and CSU ($5,472) campuses for second through fourth years and as much as $9,084 toward tuition and fees for second through fourth years at independent California colleges. Students attending eligible California private career colleges and universities may receive between $4,000 and $9,084 for their second through fourth years.

22 Becas Posibles de Cal Grant y Federal Pell Premios MáximosSi el estudiante califica para la beca de Cal Grant, las cantidades varían dependiendo del colegio / universidad que asistió, necesidad financiera, año en la universidad (a tiempo completo o parcial) Si el estudiante califica para la Beca Federal Pell, las cantidades varían dependiendo de la contribución de la familia y el estado de inscripción (tiempo completo o parcial) Otros requisitos de elegibilidad pueden aplicar Beca Cal Grant* (Desde $5,472 a $12,240)  FAFSA o - para estudiantes AB 540 - de la Aplicación Dream Act de California  GPA Verificado  Aplicar a más tardar el 2 de marzo, 2016 Beca Federal Pell (hasta $5,775)  FAFSA = $11,247 to $17, anualmente dependiendo de la escuela a la que asiste el estudiante y la necesidad financiera * Véa las escuelas elegibles en: + Possible Cal Grant and Federal Pell Grant Maximum Awards The chart to the right on the slide shows that a student who qualifies for both a Cal Grant A and a Federal Pell Grant, may receive from $11,247 to $17,967 depending on the college or university attended. If students qualify for Cal Grant, amounts vary depending on the California college or university the student attends, demonstrated financial need, year in college, and enrollment status (full- or part-time). If the student qualifies for the Federal Pell Grant, amounts vary depending on family contribution and enrollment status (full - or part-time). Remember that other eligibility requirements may apply. Discuss this with the college or university where the student is accepted.

23 Colegios Comunitarios Exención de CuotasLa Junta de Gobernadores de California de los Colegios Comunitarios de la exención de cuotas de inscripción (BOG Fee Waiver) cubre la cuota de inscripción de los Colegios Comunitarios para los residentes de California: quiénes son elegibles para la ayuda basada en la necesidad financiera, o quiénes reciben CalWORKs / TANF, SSI, o pagos de Asistencia General, o de quiénes el ingreso familiar es inferior al límite publicado Más información sobre la exención de cuotas BOG en The California Community College Board of Governors’ Enrollment Fee Waiver (BOG Fee Waiver) covers the California Community College enrollment fee for California residents: who are eligible for need-based financial aid, or who receive CalWORKs/TANF, SSI, or General Assistance payments, or whose family income falls below published income ceilings. To learn more about the BOG Fee Waiver, go to

24 Becas de Clase Media Los estudiantes universitarios con ingresos familiares de hasta $150,000 y el valor neto de los activos de hasta $150,000, quiénes Presenten la Solicitud Gratuita de Ayuda Federal para Estudiantes (FAFSA) el 2 de marzo de 2016 asistan a una UC o CSU son ciudadanos estadounidenses, residentes permanentes, o AB 540 son residentes de California, y mantienen un GPA acumulativo de 2.0 Las cantidades anuales de las Becas: Son determinanadas por la Comisión de Ayuda Estudiantil de California The Middle Class Scholarship (MCS) is designed to assist new and continuing UC and CSU undergraduate students with family incomes up to $150,000 and net worth of assets up to $150,000. To apply for the MCS for , students must submit, by March 2, 2016, the: FAFSA - For AB540 students, the California Dream Act Application MCS awards vary based on the number of eligible students, the institution, and state funding allocated. In , maximum awards ranged up to $2,448 Amounts are determined after Federal Pell Grants, Cal Grants and institutional grants are awarded. Students cannot receive both federal and/or state grant aid and the MCS. Qualifying students will be notified by the California Student Aid Commission. The Commission will also determine the maximum awards. For renewal, student must maintain a cumulative 2.0 GPA, continue to meet all eligibility requirements including completing the FAFSA or the California Dream Act application by the appropriate deadlines.

25 Becas Chafee de California Para Jóvenes AdoptivosEl programa de becas Chafee de California proporciona hasta $5,000 al año para jóvenes adoptivos actuales y anteriores para capacitación vocacional o en cualquier universidad acreditada en los EE.UU. Para ser elegibles, los jóvenes en hogares adoptivos temporales deben haber estado en California bajo cuidado adoptivo en su cumpleaños a los 16 años y no han llegado a su cumpleaños a los 22 años antes de Julio 1, 2016 Para aplicar, complete la: Solicitud Gratuita de Ayuda Federal para Estudiantes (FAFSA) o, para estudiantes AB540, la Aplicación de California Dream Act La solicitud del programa de Becas Chafee de California Para obtener más información sobre la beca Chafee, visite Chaffee Grant If the student is a foster youth, the California Chafee Grant may provide some additional financial aid for college. If you are the foster parent or know a foster youth, tell him/her about this special program for foster children. The California Chafee Grant program provides up to $5,000 annually to current and former foster youth for college or vocational training at any accredited college in the U.S. The continued availability of this grant is dependent on available funding. To be eligible, foster youth must have been in California foster care on their 16th birthday and may not have reached their 22nd birthday before July 1, 2016. Students are encouraged to apply during their senior year of high school. They should pay special attention to the FAFSA or California Dream Act Application directions as foster youth may not have to provide parent information. To apply, the foster youth must complete: - the FAFSA; - AB540 students should complete the California Dream Act Application in place of the FAFSA; - both those completing the FAFSA or those completing the Dream Act Application must submit the California Chafee Grant Program Application. To learn more about the Chafee Grant, go to

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27 Cómo Los Estudiantes Solicitan Ayuda Financiera En 2016-2017Libro sobre la presentación de la FAFSA disponibles para descarga gratuita en A más tardar el 2 de marzo de 2016, complete y presente FAFSA (Solicitud Gratuita de Ayuda Federal para Estudiantes) Cal Grant de Verificación de GPA presentado por la escuela Después de enviar el completado y firmado electrónicamente FAFSA en internet, la página de confirmación mostrará Elegibilidad estimada de la Beca Federal Pell una subvención federal cuyo valor es de entre $ 588 a $ 5,775 se calcula basada en la necesidad federal del estudiante y el estado de inscripción Elegibilidad Estimada de Préstamo Federal Directo al Estudiante To apply for financial aid in , students should: By March 2, 2016, complete and submit the FAFSA (Free Application for Federal Student Aid) at Make sure to submit the Cal Grant verified GPA.- All schools submit student verified GPAs electronically to CSAC. After submitting the completed and electronically signed FAFSA, a Confirmation Page will be available online showing student - Estimated Federal Pell Grant eligibility The federal grant whose value ranges from $588 to $5,775 based on the student’s calculated federal need and enrollment status; as well as - Estimated Federal Direct Student Loan eligibility We will discuss how AB 540 eligible students apply for financial aid later in the presentation.

28 Cómo Los Estudiantes Solicitan Ayuda Financiera En 2016-2017Adicionalmente, Algunas universidades pueden solicitar: CSS/Descripción de Ayuda Financiera 2015 Declaraciones de Impuestos Federales de padres y estudiantes (incluyendo todos los anexos y formularios W-2) u otra documentación de ingresos, tales como Transcripciones de Impuestos Federales Otros formularios requeridos conforme lo soliciten las universidades a las que el estudiante aplica Some colleges and universities may require additional information, This may include: For some private colleges or universities, the CSS/Financial Aid PROFILE. To complete this application and to determine if it is required for any of the schools your student plan to attend, go to ww.collegeboard.com. Some colleges will require 2015 parent and student Federal Tax Returns (including all schedules and W-2 forms) or other income documentation, such as Federal Tax Return Transcripts. The college or university will let the student know if these are required. There may be other required forms requested by the colleges to which the student applies. Make sure to check with each college or university to determine any and all application requirements.

29 Estudiantes IndocumentadosLos estudiantes indocumentados, aunque no sean elegibles para recibir ayuda federal, pueden ser elegibles para las ayudas estatales en California: empiece a indagar en la escuela primaria y secundaria para ver si es posible que el estudiante obtenga su residencia permanente aplique para todas las becas en las que el estudiante puede ser elegible consulte con los colegios y universidades para ver si la ayuda financiera institucional está disponible observe los cambios en las leyes federales y estatales con respecto a la elegibilidad de los estudiantes indocumentados o con arreglo a documentado para más información: llame a MALDEF (213) para obtener una lista de las becas, visite Undocumented students, while not eligible for federal aid, may be eligible for state aid in California. It is important to start inquiring in elementary and high school to see if it is possible for the student to become a permanent resident. Remember to apply for all scholarships for which the student may be eligible. Check with the colleges and universities to which the student plans to apply to see if institutional financial aid is available Watch for changes in federal and state laws regarding the eligibility of undocumented or under-documented students. For more information: call MALDEF at (213) for a list of scholarships, go to

30 California Estudiantes IndocumentadosLas leyes del estado de California que afectan a los estudiantes indocumentados: AB permite a algunos estudiantes indocumentados calificar para la matrícula estatal en las universidades públicas de California Es estudiante debe haber asistido a una escuela secundaria acreditada de California por lo menos tres años y se graduó, o se graduará de una escuela, o ha obtenido su G.E.D. AB permite a los estudiantes AB 540 para solicitar becas no estatales financiadas para colegios y universidades de California AB permite a los estudiantes AB 540 para solicitar ayuda financiera estatal, tales como las becas Cal Grant y the California Dream Loan Program Undocumented students should take note of the following California state laws: AB allows undocumented students to qualify for in-state tuition at California public colleges and universities if the student has attended an accredited California high school for at least three years; and graduated, or will graduate, from an accredited California high school; or have attained a G.E.D. AB allows AB 540 eligible student to apply for non-state funded scholarships for California colleges and universities AB allows AB 540 eligible students to apply for state funded financial aid, for example: Cal Grants and California Dream Loan program. It is critical that students who meet any of these qualifications complete the California Dream Act Application and check with the colleges and universities to which they plan to apply about grants, scholarships, loans and other aid for which they may qualify.

31 ¿Cómo Aplican Los Estudiante AB 540 Para 2016-17 Ayuda Financiera Estatal?Para los estudiantes AB 540 elegibles, a más tardar el 2 de marzo de 2016, complete y presente: La aplicación Dream Act de California en La Forma Cal Grant de Verificación de GPA Students qualifying under California State Law AB 540 should make sure to complete and submit the: The California Dream Act Application at In addition, they should make sure to submit a Cal Grant verified GPA. They should check with their high school to see how this is done at their high school. Both the Dream Act Application and the verified GPA must be submitted by March 2, 2016 for attending college in

32 La elegibilidad de Ayuda Financiera para Estudiantes previamente encarceladosCondenado por la venta / posesión de drogas ilegales mientras recibía ayuda federal para estudiantes  suspensión de la ayuda De lo contrario, puede todavía ser elegible Suspension of eligibility Possession of Illegal Drugs Sale of Illegal Drugs First offense 1 year from date of conviction 2 years from date of conviction Second offense Indefinite period Third and next offenses Students subject to a suspension of aid due to the sale/possession of illegal drugs can regain eligibility before the end of the ineligibility period by successfully completing a qualified drug rehabilitation program or by passing two unannounced drug tests given by a qualified rehabilitation program. Other Notes: See DCL GEN for additional information. The ban on Federal Pell Grants for students incarcerated in a federal or state prison appears in section 401(b)(8) of the Higher Education Act of  The ban on loans to all incarcerated students appears in section 484(b)(5) of the Higher Education Act of The regulations at 34 CFR (c)(2) parallel the statute. The definition of incarcerated student appears in 34 CFR

33 Circunstancias EspecialesPóngase en contacto con la Oficina de Ayuda Financiera si hay un cambio en sus circunstancias familiares, como: Una pérdida o reducción de los ingresos o bienes de los padres o del estudiante Reducción de manutención de los hijos, Seguridad Social, o de otros ingresos o beneficios El fallecimiento o enfermedad grave de un padre o miembro de la familia O sí hay otras circunstancias inesperadas, tales cómo: Gastos médicos o dentales familiares inesperados no cubiertos por el seguro Los gastos adicionales para niños con necesidades especiales La responsabilidad financiera de los abuelos Otras circunstancias inesperadas que afecten a la capacidad de su familia para contribuir a la educación de su hijo Some students and their families experience changes in their circumstances which might affect the family’s ability to help with college expenses. Listed are a few of these special circumstances. Contact the colleges and universities to which the student is applying to discuss whether there can be any special consideration given in the financial aid process. These changes in circumstances include, but are not limited to; - a loss or reduction in parent or student income or assets; - reduction in child support, Social Security or other income or benefits; - high family medical or dental expenses not covered by insurance; - additional expenses for special needs children; - financial responsibility for grandparents; - a death or serious illness of a parent or family member; as well as - any other unusual circumstances that affect your family’s ability to contribute to your child’s education. It is up to the individual college and university to decide if and how these circumstances will be handled, so it is important to talk to each campus financial aid office. Make sure you are ready to provide documentation of circumstances.

34 Premios de Ayuda FinancieraDespués de que el estudiante es admitido a uno o más colegios o universidades y su solicitud de ayuda financiera está completa, la Oficina de Ayuda Financiera en cada escuela proporcionará una: Carta de ayuda financiera que contiene información sobre los tipos y cantidades de ayuda, tales como becas, trabajo y estudio, y préstamos a bajo interés de la universidad que está ofreciendo El estudiante debe entonces: comparar los premios ofrecidos a los costos de la universidad que hizo la oferta restar la ayuda gratuita de los costos totales de la universidad para obtener el precio neto comparar la cantidad de préstamos que ofrece cada universidad decidir si el estudiante debe pedir prestado o si usted y el estudiante deben pagar el monto del préstamo de sus propios recursos Once a student is admitted to a college or university and has completed all financial aid requirements, he or she should receive: A Financial Aid Award Letter that contains details on the types and amounts of aid such as grants, work-study, and low-interest loans the college is offering. If the student is determined to be ineligible for need-based aid, he or she may receive a letter describing other financial aid and funding options. The student should then: compare the awards offered to the costs of the college that made the offer; subtract gift aid from total college costs to get the net price - compare the amount of loans offered by each college or university; and - decide whether you should borrow or if you and your family should pay the loan amount from your own resources.

35 Sitios Utiles en Internet Estos sitios contienen información útil de ayuda financiera y becas There are a number of free websites available that provide useful information on financial aid and scholarships for both students and their families. Some of these are:

36 Becas Las becas, como las subvenciones, son fondos que no tienen que pagar! Algunos fondos se otorgan en base a la necesidad financiera (la diferencia entre los costos y la capacidad de la familia para pagar) Algunos fondos se basan en el mérito académico, artístico o deportivo u otras habilidades y actividades Algunos fondos se basan en criterios inusuales Creación de un traje de gala estudiantil con cinta adhesiva (www.stuckatprom.com) Una beca para estudiantes zurdos (Juniata College) Una beca para estudiantes con el apellido de Zolp (Loyola University of Chicago) Asegúrese de revisar las becas, tales como la: Beca Gates Millennium Fecha límite para aplicar - 13 de enero 2016 Programa de Becas de Dell Fecha límite para aplicar - 15 de enero 2016 Scholarship, provided by colleges and universities as well as by private organizations, are an important part of funding for college. Like grants, they are funds that don’t have to be repaid! - Some funds are awarded based on financial need (the difference between the costs and the expected family contribution); - Some are based on academic, artistic or athletic merit or other skills and activities; - Others are based on unusual criteria such as: - creating a prom costume out of duct tape; - being left-handed; or - having a certain last name such as Zolp. Be sure to have your student check out scholarships such as the: Gates Millennium Scholarship Application deadline - January 13, 2016 Dell Scholars Program Application deadline - January 15, 2016 Students who are currently in their junior year in high school should talk with their high school counselors about the possibility of being nominated for the Posse Foundation Scholarship. This scholarship can provide up to full tuition for students with leadership qualities. Also, make sure to visit the Scholarship booth in Exhibit Hall K here at the Cash for College event!

37 Cómo Aplicar Para BecasUtilice búsqueda GRATUITA de becas Disponibles en colegios, empresas, grupos comunitarios y otras agencias y organizaciones Por lo general requieren solicitudes separadas y pueden requerir transcripción, ensayo, entrevista o audición Consulte con la escuela secundaria, el colegio de su hijo o de la universidad acerca de otras oportunidades de becas No se pierda los plazos de solicitud Asegúrese de que la solicitud está completa Sólo solicitar becas en las que los estudiantes reúnan todos los requisitos de elegibilidad Tenga cuidado en la búsqueda de becas de las empresas que cobran una tarifa Nunca pague dinero para obtener dinero Nunca comparta su número de Seguro Social o del estudiante, números de tarjeta de crédito, tarjeta de débito o cuentas del banco Here are some hints about applying for Scholarships. - Use only FREE Scholarship Searches. - Scholarships are available from colleges, companies, community-based groups and other agencies and organizations. -They usually require separate applications and may require transcript, essay, interview, or audition. - Check with your student’s high school, college or university about other scholarship opportunities. -Don’t miss application deadlines. - Make sure the application is complete. - Only apply for scholarships for which your student meets all eligibility requirements. Beware of scholarship search companies that charge a fee: - Never pay money to get money; and - Never share your or the student’s SSN, credit card, debit card or bank account numbers

38 Consejos para Ganar BecasBuscar becas los más pronto posible y durante el VERANO Use un sitio de búsqueda de becas gratis como StudentScholarshipSearch.com o Fastweb.com para encontrar todas las becas para los que usted es elegible Responda a las preguntas opcionales para más oportunidades Perseguir becas menos competitivas, como los pequeños premios y concursos de composición No te pierdas los plazos Adapte su aplicación a los objetivos del patrocinador. Lea y siga las instrucciones cuidadosamente Start searching for scholarships, the sooner the better. 2. Apply to all the scholarships for which you are eligible Look for local scholarships on bulletin boards near the guidance counselor of financial aid offices, or the library’s jobs and careers section. 3.Apply to every scholarship for which you are eligible. You can’t win if you don’t apply. 4. Pursue less competitive scholarships, such as small awards and essay contests, since they are easier to win and the money adds up and helps you win bigger scholarships. 5. Don’t miss deadlines. Use a calendar and checklist to get organized. 6. Tailor your application to the sponsor’s goals. Read and follow the instructions carefully.

39 Más Consejos para Ganar BecasNo modifique la personalización y la pasión de la composición de su estudiante Dígale a su hijo que limpie su presencia en internet, incluyendo el contenido de su página de Facebook, eliminando el material inadecuado e inmaduro Corrija una copia impresa de la composición de su estudiante y la aplicación de los errores de ortografía y gramática Asegúrese de que su estudiante haga una fotocopia de la solicitud antes de enviarla Enviar la solicitud por correo certificado con acuse de recibo o con la confirmación de entrega Cuidado con las Estafas de Becas 7. Don’t edit out the personalization and passion from your student’s essay The student should write about something of interest to him or her. He or she should make his or her application stand out from the crowd. The student should focus on his or her impact on other people. Remind the student to give examples and be specific. 8. About a quarter of scholarship providers require finalists to friend them on Facebook. This is partly to look for red flags, partly to get to know the student better in a real-life situation. Tell your student to clean up their online presence Google your student’s name and make sure he or she has a professional online profile. Use a professional address, such as Remind your student clean up the content of their Facebook account, removing inappropriate and immature material. 9. Proofread a printed copy of your student’s essay and the application for spelling and grammar errors. 10. Be sure the student make a photocopy of his or her application before mailing it. Send the application by certified mail, return receipt requested or with delivery confirmation. 11. Beware of Scholarship Scams

40 ¡No se Deje Engañar! “Tenga cuidado con las afirmaciones falsas”“Miles de dólares en becas no son reclamadas cada año” “¡Garantizada o le devolvemos su dinero!” “Déme su tarjeta de crédito o número de cuenta bancaria para reservar esta beca” “La beca le costará algo de dinero” “Usted ha sido seleccionado. . .” “Usted es uno de los finalistas en un concurso "(que su hijo nunca entró) Always beware of false claims! “Thousands of dollars in scholarships go unclaimed each year” “Guaranteed or your money back!” “Give me your credit card or bank account number to hold this scholarship” “The scholarship will cost some money” “You’ve been selected. . .” “You’re a finalist in a contest” (that your child never entered)

41 Cuidado con las Estafas de BecasLas becas existen para regalar dinero, no para conseguir dinero Si usted tiene que pagar dinero para conseguir dinero, es probable que sea una estafa No invierta más de un sello de correos para obtener información sobre becas o para solicitar becas. Nadie puede garantizar que va a ganar una beca No proporcione información personal como números de cuentas bancarias, números de tarjetas de crédito y números de Seguro Social 5. A “demand draft” allows a thief to empty your bank account with just the account number and bank routing number from the bottom of a check.

42 Antes de Decidirse por una UniversidadHaga una lista de los colegios y universidades que tienen carreras y programas de interés académico para el estudiante Consulte con el consejero de la escuela del estudiante Compare el precio neto de cada universidad Considere todos los factores - no sólo el costo - a la hora de tomar la decisión final Before your student makes a decision on which college to attend, you can help by making sure he or she: makes a list of colleges and universities that have academic majors and programs of interest to the student; consults with his or her school counselor; And finally, that you and the student consider all factors – not just cost – when making the final decision. You and the student should also consider an online review of the Federal College Scorecards and each college/university’s Net Price Calculator to learn more details about the colleges and their costs.

43 Cosas Qué Debe Tener PresenteLa universidad es posible para cualquier persona que trabaja duro y está decidido a tener éxito La universidad es accesible La ayuda financiera y las becas ayudan al estudiante para pagar la universidad A más tardar el 2 de marzo de 2016, complete y envíe La FAFSA; o Para estudiantes AB 540, La Aplicación Dream Act de California La Forma de Cal Grant de Verificación de GPA Anime a su hijo a solicitar becas No se olvide de las fechas de entrega Haga preguntas Here is a summary of important things to remember: -College is possible for anyone who works hard and is determined to succeed; - College is affordable; - Financial aid and scholarships help the student pay for college; - By March 2, 2016 complete and submit: - the FAFSA; or for AB 540 students, the California Dream Act Application; as well as a - a Cal Grant verified GPA - Encourage your student to apply for scholarships; - Don’t miss deadlines; - And finally, don’t hesitate to ask questions!

44 Va a Graduarse Su Estudiante de la Escuela Secundaria Este Año?Usted y su estudiante deben participar en todas las sesiones de información de ayuda financiera que se ofrecen en la escuela secundaria, los colegios y universidades locales Asista a un Taller FAFSA de Cash for College el sábado, 30 de enero de 2016 para ayuda para completar la FAFSA o, para estudiantes AB 540, la aplicación Dream Act de California (ambas se vencen el 2 de marzo de 2016) la oportunidad de ganar una de las becas Para buscar una ubicación cerca de usted, visite: If your student is graduating from high school this year, make sure that: - you and your student participate in all financial aid information sessions offered at the high school as well as at local colleges and universities; - attend a Cash for College FAFSA Workshop on Saturday, January 30, 2016 for help completing the FAFSA or, for AB 540 students, the California Dream Act application (both due by March 2, 2016); and for a chance to win one of many scholarships. To find a location close to you, visit:

45 If You are Here Today ¡Buena Suerte!In addition, if you are here tonight and your student is in high school or middle school: attend a College Life or Career workshop here at the Cash for College Fair; visit Exhibit Hall G to enter for a chance to win a $1,000 Cash for College Scholarship today! Must be present at 7:45 pm during Scholarship Drawing to win! ¡Buena Suerte! “Like” us on facebook.com/LACashforCollege or on Twitter for additional scholarship opportunities! In addition to the suggestions on the previous slide for those students graduating from high school this year, if your student is in high school or maybe is even still in middle school, - attend a College Life or Career workshop here at the Cash For College fair; - visit Exhibit Hall G to enter for a chance to win a $1,000 Cash for College Scholarship today! Applying for college and financial aid is important for so many reasons. We wish you good luck in the college journey. If you would, please “Like” us on facebook.com/LACashforCollege or on Twitter for additional scholarship opportunities!

46 Preguntas? Q & A ? Q & A Q & A Q & A Q & A Q & A Q & AWe now have some time to answer any general questions you might have.