Tuition Coach - Paul's Corner

Friday, September 24, 2010
The Importance of Early Planning

Many families wait until the college application time to begin financial planning for higher education. The thinking is that since I don’t know where the student will be going, I can’t plan to pay for college. This is logical but wrong. Preparing for college funding should take place well in advance of college, even before colleges are selected and the onset of the actual admissions process.

Here’s why:

Once a family understands how much they are likely to pay for college, any college, and they have a strategy to meet that cost, the student is more likely to choose colleges based upon their fit rather than their cost. The secret lies in calculating the EFC or Expected Family Contribution BEFORE even considering colleges. The EFC is a number created by a federal formula that estimates the amount the college financial aid system will require a family to pay out of pocket for one year of college. It is closely reflective of each family’s unique financial situation. Once calculated, it does not change regardless of the cost of the college. For example, if you know that your EFC is $9,600 a year whether the sticker price of the college is $12,000 or $50,000, the college search is very likely to take on a different look. The shortfall between the EFC and the actual cost of college should be filled with what is called need-based financial aid. Knowing this basic information well in advance of college will have an effect on college choices, high school curricula and maybe even career goals. The sooner you know this, the greater the likely impact on lifetime outcomes.
The EFC is calculated using a number of factors related to a family’s income, assets and other demographics. The major factors in determining the EFC are closely tied to the IRS tax return which reveals things like salaries, investment income, business income and other variables. For the first year of college, the “operative” IRS form covers the calendar year spanning the second half of the student’s junior year and the first half of the senior year in high school. Prudent college planning should include strategies geared to produce a 1040 that will maximize eligibility for financial aid at best and one that will do no harm at least. This requires both an early understanding to how the EFC is calculated and the lead time needed to implement strategies that will help to maximize financial aid. Thus, the optimal time frame for this should begin as early as the student’s freshman year in high school and the second semester of the sophomore year at the latest. Later starting dates are better than none but you will have to do some smart, fast planning to make up for the time lost. Shorter time frames often result in the financial aid system driving more important, long-range financial decisions to the detriment of the family’s financial security. Implementing cost saving strategies after the college has already received the initial snapshot of the family’s financials through the first FAFSA (financial aid form) is going to make later “improvements” a tougher sell.

To consider each student in a family as standalone factor in the family’s college planning is a serious mistake. Before the first student of a multi-child family enters college, the parents should have a comprehensive college funding game plan that includes every student AND a clear bottom line for the parents. That bottom line MUST include a parental retirement plan. Families should avoid at all costs the short-sighted, misguided strategy of sacrificing everything on behalf of their kids. There is no place in heaven for parents who do that; there is just sadness and a dependent, marginal existence, the stepchild of unrealistic college planning. The way to avoid this is to understand the college financial aid system and strategies geared to cover costs not funded by financial aid and to have that in place early in the pre-college process.

Finally, when students attend colleges because they address their academic and social needs, the research suggests that the road to a college degree typically takes less time and, as we all know, time and money are closely linked. An early understanding of how to pay for college often results in better college fits and upgraded college choices. We remember that old saying, “Ignorance is bliss” but when it comes to planning for college funding, I can assure you there is utterly no upside to ignorance. But just as important in college planning is the timing of when the cloud of ignorance is lifted….the earlier, the better!

Posted by Paul at 1:50 PM

Comments (630)


	Comments on this entry: Left by Terry Adams at Wed, 29 Sep 7:55 PM Dr. Wrubel, When will you be conducting a FAFSA informational meeting for the San Mateo High School District (specifically, for Mills High School)? Thanks

	Left by Ted Ford at Tue, 12 Oct 3:42 PM I am 63 and retired and have been retired for five years. My only income is from investing my retirement funds which I have transferred into a standard brokerage account. Those funds total $325K. I earn $45k per year in dividends. This year there is no capital gain, but last year there was a $200k capital gain. I assume I report the $45k dividend income but as to the investment account itself that it is "retirement funds" and so I would not report it on the CSS profile nor the FAFSA. Would this be correct?

	Left by Donna Bucher at Wed, 13 Oct 7:02 AM Regarding the FAFSA, my husband received an inherited IRA that must be liquidated to pay tax on the money; it will then be reinvested. It will show up on the FAFSA as "income" & therefore make our adjusted gross income very high (falsely) since our daughter is already in college receiving state& federal grants as well as federally subsidized loans, we are afraid she will lose all of that funding as a result, yet the FAFSA does not allow for such entries to clarify. What to do?

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	Left by Maureen at Sat, 23 Oct 6:40 PM The Tuition Coach FASFA work sheet states to use the "commercial property calculator". I cannot find it on Tuition Coach anywhere. Please assist.

	Left by Tori at Fri, 19 Nov 4:04 AM I'm a 37 yr old female trying to start over in this impossible economy. There are no jobs at my age so I decised to follow my dream and become a radiologist. Well with the cost it's darn near impossible. I don't know what to do anymore. I feel like throwing in the towel. The government wants to take away anyway I have to survive just because I stated a school that reqires you to have a high school diploma. What do they expect from us/me to live on? I'm lost and I hope you can revive my hope in the system.

	Left by Brian Grey at Mon, 20 Dec 9:41 PM Dr. Wrubel, Do you ever do personal appointments? I live in the SF Bay Area.

	Left by mp3 at Thu, 23 Dec 4:03 AM Regarding the FAFSA, my husband received an inherited IRA that must be liquidated to pay tax on the money; it will then be reinvested. It will show up on the FAFSA as "income" & therefore make our adjusted gross income very high (falsely) since our daughter is already in college receiving state& federal grants as well as federally subsidized loans, we are afraid she will lose all of that funding as a result, yet the FAFSA does not allow for such entries to clarify. What to do?

	Left by sl at Sun, 2 Jan 4:39 PM on the profile my husband owns a business and takes a salary and gets a w-2. he files a 1120 corptax return. Do I need to fill out the business portion of the profile?

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	Left by kh at Thu, 6 Jan 8:18 AM My wife and I are divorced, but we still co-own our home 50-50. We have to fill out a CSS profile and non-custodial profile for some of the colleges our child is applying to. How do we report home equity in this case? Should we both report half of the value of the home, and half of the mortgage debt? I am afraid that if we both report the full values it will appear that we both own our separate homes, which we don't.

	Left by Stephanie at Tue, 11 Jan 10:25 AM I am afraid my parents may make too much money in order for me to be able to recieve the financial aid I need. Unfortunately, my parents do not manage their money very well and have absolutely no plan for my college fund. Is there any advise you can give me on this? It is kind of an open-ended question, but I do not know where to begin. I have tried talking to them about it, but it just does not seem that important to them. Any advise is greatly appreciated. Thank you so much for your time and concern.

	Left by Karen Stromfeld at Fri, 21 Jan 5:59 PM My ex and I have been divorced for 11 years. he has already filled out and sent in a FAFSA for our son. Do I also send one in in order to apply or can only one parent? We are both remarried.

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Wednesday, August 11, 2010
Sage Advice for College Freshmen

In a recent issue of the New York Times, there was a full-page article about advice for incoming college freshmen by nine distinguished scholars. I’d like to share their thoughts with you.

Stanley Fish, professor of law at Florida International University:

Find the best teachers. Ask upper class students and others to identify them and try to take their classes if they fit your broad areas of interest.

Take courses that emphasize writing. For innumerable reasons, the ability to communicate in writing is one of the most valuable life skills one can master.

Gerald Graff, professor of English and education at the University of Illinois, Chicago:

Learn to summarize all of what you hear or read at college and turn it into coherent arguments by injecting the assumptions that led to the position. Then form your own opinions and don’t be afraid to say them. Don’t prematurely take a position unless you are prepared to summarize the basis of the opposing stance. You can’t effectively advance your own views without a profound appreciation of a contrary opinion. It is a fundamental of a truly liberal (small "L") education.

Harold Bloom, professor of English at Yale:

Get Lost. In Books. Read and reread great books by great authors until you actually understand them. Focus on authors who transcend the current world and modern thought, authors who present more timeless ideas. Among them are Plato, Homer, Cervantes, and, of course, Shakespeare. Just reading them to pass a test isn’t enough. Read them in a way that makes them part of who you are and then you will become a more formidable, educated human being.

Carol Berkin, professor of history at Baruch College:

1. Make sure you are actually in the right class. Some students don’t figure it out until they’ve wasted a few weeks in the wrong place.
2. Do not:

beat out a cadence on your desk while the teacher is lecturing;
sigh audibly more than three or four times during a lecture;
check your watch more than twice during the hour;
ask any of the following….

Will this be on the test?
Does grammar count?
Do we have to read the whole chapter?
Can I turn in my paper late?

Do:

practice a look of genuine interest; nod in agreement frequently; laugh at all the professor’s jokes. ask questions of the professor if you are confused AND...

remind yourself that next year you will not be a freshman and people will no longer sneer at you.

Gary Willis, professor emeritus of history at Northwestern:

Take courses that interest you. You will find that as you go deeper into a subject, it will open up other areas of interest. Read, read, read and write, write, write. The absence of the former will make the latter nearly impossible. Hang out with smart people. They will do more for the future of your life than the often thought-free, popular campus jocks and other beautiful people. And don’t be afraid to be a political activist regardless of your politics. Martha Nussbaum, professor of philosophy, law and divinity at the University of Chicago: Take courses because they broaden your mind, not just the ones that may prepare you for a career. It will enrich your life and give you the tools to change careers and enjoy more than just the eight hours on the job every day.

James MacGregor Burns, professor emeritus of government at Williams College:

Read a respected newspaper every day. It will be “your path to the world”. Get to know your professors away from the classroom and ask them about things not connected with their class. In fact, get to know everyone on campus, people who work in the cafeteria, security staff, janitors and housekeepers. They all have something of value to tell you and it reminds you that college also includes the real world beyond the classroom.

Nancy Hopkins, professor of biology at MIT:

Fall in love not with some hunk or ravishing beauty but with some form of intellectual challenge. Professor Hopkins fell in love with DNA and has spent a lifetime getting to know it in a way that will impact the future of medicine and related fields. Current knowledge creatively studied will always lead to something new and uncharted. Find that love. It is life-altering and it is divorce-free!

Steven Weinberg, professor of physics at the University of Texas, Austin:

Be prepared to change course. College is rarely what you think it is. There are worlds to discover and ideas you never knew. Be open to it all and pay attention to those things that truly interest you and things that you seem to be good at. Be sensitive to the signals and be prepared to take a life path that you never expected.

Paul (a less distinguished scholar):

I would add that you are only 17 or 18 and you still don’t know very much so absorb as many things as you can and follow your heart. Your future is out there waiting to be discovered. The less certain freshmen are about a career path, the more likely they are to become a truly educated college graduate as they search for their true calling.

I would like to thank the New York Times for the article and a good deal more. Since the age of about ten, I have practiced Professor Burns’ advice to you. The Times has been my teacher and friend nearly every day for about 60 years.

Posted by Paul at 10:37 AM

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Tuesday, March 9, 2010
Tips on Evaluating Your Financial Aid Award

Under normal circumstances, if you have completed the FAFSA and the CSS Profile (required by a few expensive private colleges), you will receive a preliminary financial award letter from the college. In order for you to evaluate a financial aid award, you need to know 4 things:

The cost of the college (called the cost of attendance or student budget). This encompasses all costs for one year of college and includes tuition, room and board and a wide assortment of fees. Colleges typically have four known student budgets: one for a student living on campus; another for a student living off campus; a third for a student living with relatives and, finally, a budget for a student living at home.

Your EFC (Expected Family Contribution). This is the amount you will be expected to pay for a year of college as calculated by the FAFSA and/or the CSS Profile. Using this, you will be able to calculate your demonstrated need. Cost of college minus the EFC = Demonstrated Need (or the amount of aid for which you are eligible).

The amount of aid offered by the college. Add up all the aid in your financial aid award from the college. Do not include any PLUS loans (Parent Loan for Undergraduate Students) which are not need-based aid. See if the aid given by the college adds up to the total demonstrated need. If not, you have been gapped. That is, the college did not award you enough money to satisfy your entire demonstrated need. In short, you are being treated as though you have more money (income and assets) than you really have. This is the quantitative dimension of the award.

The kinds of aid in your award. There are two categories of financial aid, Grants (free money that does not have to be paid back) and self-help aid, which are loans and/or federal work/study where the recipient either has to pay back the money or has to work for it. You want to try for a financial aid award that has some balance between self-help aid and free money or grant aid. As a general rule, a small demonstrated need is usually met with mostly if not all self-help aid. Larger need tends to have a better balance simply because there is not enough self-help aid (public loans and work/study) available in the financial aid system. If the award, particularly a large one, seems too skewed on the side of self-help aid, then you may want to discuss this with the financial aid administrator at the college.

If any of the four pieces of information listed above are missing from your award letter, you should contact the college immediately and request that it be supplied.

If you need help on this, subscribers should use the TuitionCoach tool called “Evaluate and Negotiate Financial Aid Awards”. Others should subscribe while there is still time. TuitionCoach will instantly evaluate the award and provide you with useful advice on ways to work with your college financial aid office to improve it. For parents of 2010 college freshmen, you should understand that assuming your family’s financial situation doesn’t change dramatically in the next few years, the offer to a college freshman is likely to establish a template for all four years. That is why this initial award merits your special attention.

A note of caution and advice: When dealing with your financial aid administrator, you should be mindful of their world. It is a very stressful life where colleges are telling them to be very frugal on one hand with families imploring them for fully justifiable aid on the other hand. They are caught in between and what makes it so difficult is that there is simply not enough money in the system to satisfy everyone. So the best advice we can give you is to be patient and be civil in your interaction with your financial aid administrator. Try to establish a collegial, working relationship with that person and if they respond to your wishes, you should ALWAYS send them a “thank you” note. No matter what, when working with any financial aid administrator, leave the testosterone at the door. Never, ever pick a fight with them because you will lose. And, as a general rule, it is best to make contact with them in the morning before they have become depressed by the enormous work load they face every day. Those people are heroes and they deserve our respect regardless of the outcome of your dealings with them.

Posted by Paul at 11:31 PM

Comments (90)


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Monday, December 7, 2009
The Mantra

When I deliver workshops, at some point I will stop and remind the audience of an overriding philosophy in the form of a mantra, one that if you actually internalize it, is likely to significantly upgrade the quality of your life during your sunset years. It is this: “You can always borrow for college but you can never borrow for retirement.” If that spirit guides your financial decisions through the college years, you will emerge from them in far better shape than the parent who simply wrote checks against their own long-term financial security.

Ours is the only “enlightened” society that forces its citizens to make the Draconian choice between providing a college education for their children or creating a large enough nest egg to ensure an economically viable retirement. In these days of escalating college costs and ever-rising prices on nearly everything else, it is virtually impossible for most of us to do both. So we are left with a choice and both options are bad.

If we choose retirement, our children tend to cheap out on education often beginning with community college and a few courses here, a few there so that it takes forever and forever also has a price, opportunity costs. College should take four years and not a minute longer so for every year beyond the usual four there is not only the out-of-pocket costs created by college overtime but also the money the student will not be making as a college graduate for the duration of the overtime period. Moreover, most of us who have been to college know that college is not merely the attainment of a piece of paper called a degree. It is much more, things like social development, establishing life-long contacts with other young, ambitious people, absorbing different worlds of culture and thought and learning to communicate in writing and speech in order to compete successfully in a competitive and often judgmental world. College is not so much a place to be trained to pursue a career frequently decided upon by a before-the-fact judgment call of an undereducated and naïve teenager but, rather, it is a place to learn all sorts of new things some of which will drive the student to make an informed choice about a career. So the parents’ option to secure a retirement may have an unhappy price in terms of their children’s life possibilities.

If we choose our children’s college over our retirement, the kids will do fine but many of us will be forever condemned to economic twilight where we live a marginal existence from social security check to social security check unable to do the things we worked for, things like travel and comfort and the ability to buy stuff that makes us happy and contented. No society should force this on its citizens but we do every day, month after month, year after year. So how do we cope? Remember the mantra!

If you can’t afford college, pay what you can out of income, not assets. Pay that amount every month. If there is a shortfall, have the student borrow as much federal money as possible every year. If that still isn’t enough, then borrow the rest from the PLUS loan (Parent Loan for Undergraduate Students) program through the student’s college. Do that every year and then, after the student graduates, pretend he is still in college but this time, don’t send your monthly checks to the college but, rather, send them to the holders of the PLUS loans to get them off the books as fast as possible given your ability to do so out of your cash flow at that time. Stay with it and eventually you will have paid for college without invading your precious, irreplaceable retirement assets.

Even if you have large amounts of money set aside for college, you should follow this model based upon our mantra. Pay what you can out of monthly income and finance the rest. Then use the income from that big college fund to help retire the debt over time and when you are all done what was once a college fund can be repurposed into a retirement windfall. This isn’t rocket science but it is a very smart game plan.

Say it over and over until you actually believe it: “I can always borrow for college, but I can never borrow for retirement.” “I can always borrow for college but I can never borrow for retirement.” “I can always borrow for college but I can never……………” “I can always borrow…………” “I can………….”

Posted by Paul at 9:08 AM

Comments (3)


	Comments on this entry: Left by Monica Kiese-Superville at Tue, 8 Dec 6:07 PM Great advice indeed. Parents should also remember that often children do not feel any obligation to assist them after they have graduated and making big bucks while the parents are left struggling to survive.

	Left by Faridah Jivani at Thu, 24 Dec 5:17 PM Hi Paul My name is Faridah Jivani. I am a college administrator. I have a MS in Higher Education Administration. I current work in Financial Aid. I came across your website and wanted to know if you are interested in expanding your company in the NYC area. Please let me know if there are any opportunities. Hope to hear from you.

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Monday, November 9, 2009
Need-Blind Admissions in the New Millennium

I always look forward to my quarterly magazine from Middlebury College. In my life, I have loved only a few places unconditionally and Middlebury College was surely in that category. For me, it was the most beautiful, magical place in my young universe. I am pretty certain it was and is also a great center of learning but I must confess that while I was there academics were not at the top of my list of late adolescent priorities.

At the bottom of page 50 in the current issue of the magazine there were some “Financial Aid Fast Facts”. Fact number one stated that only three percent of U.S. colleges and universities admit students on a need-blind basis and that Middlebury College was a part of that group. Three percent!

When I began in this business about thirty years ago, it seemed like every college was pretty much need blind. If you were admitted on your merit and you needed money, the college or surely the vast majority of colleges would deliver the goods. But now, according to the Middlebury publication, 97% of colleges may take the students’ financial need into account as a factor in admissions. But it is even worse than that.

“Need blind” has taken on a new and even more sinister meaning, one that has nothing to do with admission and it is this. When students and their families play by the rules and show a demonstrated need (the difference between the families’ calculated Expected Family Contributions and the cost of the colleges), the colleges are “blind” to that need as well. Almost every college in the nation fails to satisfy a family’s demonstrated need by either gapping the family (providing less aid than their demonstrated need would require) or by substituting non-need based aid like a PLUS loan (Parent Loan for Undergraduate Student) for need-based aid. It happens every day everywhere. Thus families who make $65,000 a year and have a few dollars in the bank find themselves paying for college as though they made $90,000 and had a much higher Expected Family Contribution. Since there are no penalties of any kind for failure of a college to provide adequate financial aid, I don’t blame cash-strapped colleges for doing this but the damage to the nation is profound and getting worse with every passing day. Our college-bound body politic is being shamelessly violated and we simply watch and do nothing.

A massive public, per pupil investment in higher education over limited college attendance time frames will not only create an economic engine of enormous power but it will also obviate the need to take care of parents who have been so economically eviscerated by their children’s college costs that they become largely dependent on society during their 30 or so years of retirement. It’s like that old ad for Fram oil and air filters, “You can pay me now or you can pay me later.” In the case of the college funding challenge, the short term payment will be tiny compared to the huge bill that is sure to come when those parents enter the retirement years with little or no resources with which to be a viable part of the American economy. Is it possible that they don’t teach stuff like this in economics? Is it possible that members of Congress are so blinded by silly, childish partisan issues that they don’t see this as an economic Katrina churning in the open seas and gathering strength to devastate this nation’s economy?

I lament the demise of need blind admissions. The “need” part is already a goner but “blind” is alive and well in the halls of Congress and in the U.S. Department of Education. And that blindness is completely bipartisan. The system can be fixed but it can only be fixed by smart people who understand the relationship between education and the nation’s economic well being and international competitiveness. We need people who can craft a college funding system as an integral part of the larger economy, not as a four year, gimmicky, bureaucracy-laden, utterly irrational concoction by policy wonks who don’t understand the realities of Main Street, College Street or even Wall Street and the relationship between them. In short, in order to fix the system we must be willing to exclude from the triage team anyone who had a hand in creating the financial aid mess we have today and anyone who may benefit in any way from maintenance of the status quo.

Our President ran on the promise of change. Here is one that screams out to him for help. If it is done with some imagination, it won’t cost anything. In fact, it will create wealth in the long run and in doing so, it will stimulate the economy in the short run, strengthen our colleges and enhance America’s place in the increasingly competitive global economy. It would be nice if Congress would pay attention and not insult us with meaningless, faux-patriotic slogans and incendiary cameo appearances on partisan cable TV shows. More and more our once-respected members of Congress remind us of a legislative version of the old Keystone Kops….lots of aimless activity creating the illusion of purpose but they never, ever get their man. This nation is better than that but if it isn’t we’re all in trouble, big trouble.

Posted by Paul at 4:28 PM

Comments (63)


	Comments on this entry: Left by College-financial-aid-info-.com at Thu, 12 Nov 11:59 AM In my 20 years as a college aid consultant I have found that money is available if you know how to get it and this year is no different. If you choose the right college, apply on time and impliment a plan that plays by the rules of the system, any family can afford a college education. Again the key word is plan. Today, it cost less to attend a state school than a private school for a family who makes 90k a year provided the family does their homework. I would suggest that anybody planning to attend college next year do everything they can to lower the EFC. You will be pleasently surprised!

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Thursday, October 22, 2009
College financial Aid: Playground for the Unimaginative

Hello out there! The college financial aid system is broken…It doesn’t work…It is ruining the colleges….It undermines the financial health of millions of Americans…It grossly saps the vitality of the nation’s economy…And it is setting the table for a generation of aged Americans who have been impoverished by college costs forcing them to depend upon the government for massive assistance in their economically marginal senior years….Is anyone out there? Is anyone listening? Does anyone care? SOS…Mayday….Help!

Day after day we are confronted with yet another announcement about ways to simplify the financial aid forms but that has little to do with whether the system works. That is about process, not outcomes. What good does it do to gain easy access to the theater if the play stinks? It matters little if it is easy to qualify for financial aid if the aid doesn’t happen. All the clever calculations and formulae mean nothing if nobody in the financial aid delivery system is required to adhere to its dictates. The fact is they can’t because they simply do not have adequate financial resources to do so. I am not making this up---It is true. Ask any college controller or treasurer.

Day after day, the issue of student loans makes the headlines. The debate is hot and passionate. Should we use private banks or provide loans from the government? The question begs the real issue which is, “Has anybody ever considered the actual impact of loans on the lives of kids and the economy as a whole?” That’s the crux of the matter and the answer to anyone who cares to look is that loans should be eliminated as a form of college financial aid for our children. Give them a reason to go to college and let them enjoy the rewards of a degree instead of saddling them with thousands of dollars of loan payback as they enter the adult world, money that should go into the consumer marketplace and not to some bank or government stash that doesn’t educate anyone. That’s the issue that everyone seems to avoid, not whether there should be public or private loans but, rather, whether there should any loans at all. The answer, of course, is no. It is obvious but it would also require some imagination to retool an entire financial aid system in the absence of student loans. For us educators who spend much of our lives stating the obvious with a sense of discovery, this is a daunting task.

Day after day, parents are faced with the Draconian choice of either saving for college or saving for retirement but they cannot do both unless they are the recipients of an unwarranted bonus from one of our nation’s corporate giants. Most opt for the former and in doing so condemn themselves and the nation to an aged population with little or no earning power and an increased dependence on the public dole. For those who choose the latter, the nation is faced with an undereducated, shiftless and underachieving young adult population who will not only require public assistance but will lower this nation’s competitive edge in the global economy. Ours is the only developed nation in the world that forces its citizens to make this choice made necessary by an utterly dysfunctional college financial aid system.

Day after day, the financial safety net under our colleges becomes more frayed because our institutions of higher education are required to underwrite a greater share of the student financial aid burden. It is the offspring created by the federal government’s glacial pace to increase the federal contribution to financial aid in a way that even begins to keep up with the rate of inflation or the consumer price index. Colleges, like people and businesses, are inching toward bankruptcy and closure because of our failure to pay attention or to value education beyond the easy, largely hollow rhetoric that we hear every day.

Notwithstanding the chirpy, glowing report from the College Board (Trends in College Pricing and Trends in Student Aid) about how things are getting better (or maybe getting worse more slowly) in the financial aid arena, those of us in the real world of struggling families and financially at-risk colleges, see something different, something much more alarming. Just because we have bureaucracies and an alphabet soup of programs in place, it is no guarantee that we have a financial aid system that works. By any standard, it doesn’t and the sooner we respond to that fading emergency beacon, the greater chance we will have of breathing new life into a patient that is hanging on by a rapidly failing life support system. But that will require imagination and creativity both of which are in short supply in Washington and beyond, a deficit made much worse by the toxicity of our politics and our lack of political courage to rise above partisanship and act upon issues in a way that reveals an overriding, visceral loyalty to our nation and its people.

Is anyone paying attention? Does anyone care?

Posted by Paul at 1:47 PM

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Friday, October 2, 2009
Authoritative Ignorance

In 1982, I wrote an article for the Association of California School Administrators. In it, I lamented the absence of any real substantive learning in our public schools. Sure, we drill kids on how to write a sentence and maybe even how to craft a coherent paragraph but that, while important, is about process, not content. What good it is to be an effective communicator if you have nothing to say?

That theme reappeared in this week’s, Chronicle of Higher Education. An important and perceptive article by E.D Hirsch, Jr., an emeritus professor at the University of Virginia, caught my attention. In his article, aptly entitled, “How Schools Fail democracy”, Professor Hirsch noted that just teaching kids how to do things is not enough and our failure in the earliest years of education to impart certain common, shared precepts about our democracy in a way that teaches us to honor fellow citizens who may hold views that differ from our own, may lead to our collective downfall.

Professor Hirsch cites the writings of our founding fathers and others to demonstrate that in addition to teaching fundamentals of language, there must also be a teaching of principles common to every American, one that creates a sense of community and oneness while also encouraging a tolerance of opinions with which we may not agree. Through that common understanding, democracy can thrive because even though we may differ, we do so in a way that also honors our commonality. It is this component that is missing in our system of education and is slowly undoing this fragile thing we call democracy. But the cure is not throwing out the baby with the bathwater. It is making public education more effective, not making it weaker or eliminating it.

The rhetoric we see every day on TV, in the halls of government and surely in public gatherings validate Professor Hirsch’s observations. Arguments are typically thought-free. Civil discourse is replaced by a strident, now famous, “You lie!” comment in Congress. No true scholar of the American system would have ever contemplated that display of rude ignorance if the perpetrator really understood how our system of government was supposed to work. It may not have been his fault that he didn’t understand; it may have been his schooling or it may have been his constituent who also had no clue about how our government works and its reliance upon immutable aspects of commonality among us as citizens. We see this behavior repeated over and over. For instance, we are seeing larger numbers of Americans who rage against the whole notion of public schools as being un-American and a “brain-washing” process. If those supposed true Americans had spent one hour looking at what our founding fathers had said about the importance of public education, they would have discovered that those genuinely great Americans held public education as one of the non-negotiable pillars of our democratic system. And yet, they raged on in their state of irreversible authoritative ignorance as their equally clueless camp followers cheered them on.

Professor Hirsch heaps the blame on our schools, particularly our elementary schools for failing to pass on substantive and fundamental education about our common values. We may be different but we are still equal in the eyes of our system of government and it is that equality that unites us, all of us. This is a simple precept but one that is hard to turn into a reality unless we are equipped with the substantive knowledge to do so. Because we adults don’t seem to possess that insight, our democracy is in peril.

In my 1982 article, I left the conclusion open-ended. I said, “If we continue to be satisfied with the marginally functional and intellectually impoverished young adults that we turn loose on society every spring, then it will be the unhappy fate of future generations to live out their lives in a world languishing in a perilous twilight where the creative energies of this nation will be diverted toward dealing with the whirlwind that is sure to come.” If you believe this is an overstatement, stop, listen and look around you.

Posted by Paul at 10:08 AM

Comments (45)


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Thursday, September 24, 2009
Congress: Stating the Obvious with a Sense of Discovery

Representative George Miller, Chairman of the House Education Committee, announced that he had received a report from the Accountability Office containing some troubling figures coming from proprietary schools. An investigation seemed warranted. Proprietary schools are those essentially private, for-profit institutions of higher learning that provide degrees and certificates of competence in a wide variety of fields. What the Congressman was referring to were the incidents of student loan defaults, dropout rates and inflated recruiting claims that came from for-profit secondary education programs. Anyone who has spent more than 24 hours looking at those issues could have come to the same conclusion.

For many years, proprietary schools have qualified for the usual federal financial aid programs, particularly low-cost student loans and certain grant programs for low-income families. For profit schools have used this federal money to prop up their often shaky financial underpinnings frequently with little regard for their responsibility to deliver on their promises of providing an array of marketable skills.

Recently, I looked at the post high school institutions that qualified for federal aid. I discovered in California alone there were about 80 beauty schools qualified to dispense student loans and other federally-backed forms of financial aid. In addition, across the nation there were barber colleges, funeral home management programs, aviation schools, and a host of mechanical repair schools from air conditioners to light vehicles and 747 airplanes. The clear message was that if you went to these places, you would be in an excellent position to start a well-paying career. All one needed was a beating heart and cash and you were in. Upon entry, when it became clear that there was serious academic work to be done or no work at all, patrons dropped out leaving behind the non-refundable federal aid and more importantly the proceeds of student loans that had to be paid back after the student dropped out.

It is astonishing that only now is the government aware of the extent of fraud and deception and its effect on undermining an already leaky system of student financial aid. Sure, many of the schools were disqualified from continued eligibility for federal aid most often because of their loan default rate and some simply disappeared but with that disappearance went hundreds of millions of taxpayers’ and bank dollars. Did anybody see this coming? Apparently not. Did anybody care enough to look? Probably not.

Beside the general public, the real victims were most often low income, minority students and their families who in many cases co-signed supplementary, private student loans. Students, many of whom began the proprietary program but were either unable to complete it or found that the course was a waste of time and money, dropped out and with it came another line of failure on their résumés and, worse yet, a significant debt with no visible means to pay it back.

It is past time to investigate this debacle called proprietary schools. Some are actually very reputable and do deliver on their promises although they rarely provide the financial aid levels of support of more traditional public and private non-profit colleges and universities. But the record is clear and stands as a yardstick to make a judgment about the reliability of services delivered by private firms compared with non-profit, public institutions and systems. Or, if one feels that is too close to the issues at the heart of the current health care struggle, the example of public vs. proprietary higher education is a warning that in the world of commerce with private anything, there must be public oversight. Without it, greed always carries the day. Don’t take my word for this. Ask any family with an upside-down mortgage; ask any family who is staring at a $200-300,000 hospital bill after their health insurance was cancelled, sometimes in mid-treatment; ask the victims of private companies like Bear Stearns or PG&E or any one of the hundreds of failed banks and financial institutions who have disappeared along with the life savings of hard-working Americans.

There is a lesson in all of this for anyone who cares to find one. In the final analysis, it is the cast of characters in the private sector itself that has sadly created the need for big government. If they behaved themselves and conducted business with a sense of social responsibility and even an iota of ethical behavior, the size of government would slowly diminish. The need for an investigation of proprietary schools is fueled by the same catalyst as the failure of Enron, unbridled greed. And it is safe to suggest that this is one trait that is truly bipartisan with experienced, imaginative practitioners and devotees across the political, religious or social spectrum.

Posted by Paul at 2:08 PM

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Friday, September 18, 2009
Sage Advice for College Freshman