From the HSLDA E-lert Service:


12/1/2011 9:34:06 AM
Home School Legal Defense Association
HSLDA's Homeschooling Thru High School Newsletter--Financing Future Education

HSLDA's Homeschooling Thru High School Newsletter
December 2011 --Financing Future Education:
Money, Money, Who's Got the Money?

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Dear Friends,

We wish you a merry Christmas! Another year is drawing to a close, but
our hope is not dimmed. It is steadfast as we trust in the reason for
the season, Jesus Christ.

While preparing for the holiday, many families are in the midst of
completing and sending in applications to college or other post-high
school institutions. Apprehension may be growing; and for many
families, "how will we pay future tuition bills?" is a refrain that
keeps playing in your minds. For other families, this may only be
"background music" if high school graduation is still in the distant

We aren't trying to dampen the frivolity of the holiday spirit (!) by
talking about financing your teen's next step after high school
graduation. Rather, we want to encourage you that God reminds us in
Psalm 50:10, "For every beast of the forest is Mine, the cattle on a
thousand hills." When asked how she was going to afford to travel to a
particular place to speak, Corrie ten Boom, author of "The Hiding
Place," quipped, "God will just have to sell one of His cows!" He'll
provide for your teens as well--in a variety of ways.

Plan Ahead

One of these ways could be taking some steps now to save for necessary
education expenses in the years ahead. The Boy Scouts' motto is "Be
Prepared!" and it is good advice to adopt when it comes to saving for
education costs. It's never too late (better yet, it's never too
early) to set up a savings plan in your household. You can determine
to set aside an amount (even small amounts) each month for each child
for his or her education. When that sum builds up, you might put it
into a trust account for the child or invest it, allowing it to grow.
You may also want to check into a 529 College Savings Plan operated by
a state or educational institution to help families in setting aside
funds for future college costs.

You can stipulate that your teens save a portion of monetary gifts,
allowances, or monies earned from jobs towards their future
educational expenses. Teens that are required to finance part of their
education will more likely be diligent students and appreciate their
opportunities. A financial management course to teach the merits of
, could be a beneficial elective to include during the high school

Another way for your teens to save for the future is to work part time
during high school and save their wages. They might start their own
businesses (lawn care, dog walking and sitting, babysitting, tutoring,
computer maintenance and troubleshooting), or work for an employer who
offers college scholarships to employees based on the number of years
of employment (for example, Chick-fil-A or Wal-Mart

Some companies have matching programs for their employees for
education. Does yours? If not, why don't you design and suggest such a
program for your company to implement.

There are many competitions available to homeschoolers that award
money prizes. We have a list on our website,, of suggested ones to help you
get started in your search. You may also find others offered in your
community or state. Some public high schools provide scholarship lists
on their websites, or you might ask a local guidance counselor if the
list is available for you to peruse. These lists will often include
local scholarships that don't show up on scholarship search engines
such as or

Along with these ideas, don't forget to utilize dual enrollment
opportunities through your community college system as well as credit
by examination (CLEP, DSST, AP), These methods may provide
college credit your teen can transfer to his college of choice. They
are earned without having to pay for room and board (unless you're
charging your teen rent :)) campus fees, or student activities fees,
and the credits per hour are usually less expensive to acquire.

Do Your Homework

A word of caution to parents--don't fall prey to peer pressure when it
comes to considering a school for your teen after high school. If
college is not the ideal step for your teen, then please don't push in
that direction. There are many fine vocational institutions,
apprenticeships, and associate degree programs available which may
better advance your teen to his or her goal.

On the other hand, if college is the path your teens are working
toward, now is the time to begin evaluating the choices they have.
Consider whether that big name, expensive school will really deliver
enough benefits to merit the cost. Or, will your teens accomplish the
same at a more affordable school. Other factors to consider may
include whether graduate school will be necessary, what major will be
pursued, or if your teen will need to incur debt to attend. Some
schools have endowments for scholarships to specifically attract
homeschoolers such as LeTourneau University, Nyack College, Oral
Roberts University, Bryan College and many more.

And speaking of scholarships, colleges, federal, state, and local
entities provide them. They won't necessarily come knocking at your
door, so you will need to put forth much time and effort to locate and
apply for the money. Another source may be closer than you
think--among your own relatives!

Consider All Options

Tuition is just one part of the total college bill. Room and board
must also be considered. What options will your teen have as a
full-time student? Will he be allowed to live with relatives or
friends in the area? Will she room in the dorm or can she live in
off-campus housing? Many times freshmen are required to live on
campus, but in later years they are given a greater freedom of choice.
Apartment living often is less expensive and quieter for students. It
allows them to cook their own meals, reducing food expenditures.

It's not uncommon for students to hold a job at college. The school
may offer your teen a work study program to defray some of the costs.
These jobs will be in departments on campus where transportation is
not needed. Studies show that students who work during the academic
year are more likely to be better managers of their time, better
students, and have higher grade point averages than those students
with idle time on their hands. Teens graduating college without debt
can entertain a greater range of job offers since they will not be
paying back educational loans.

The National Endowment for Financial Education (NEFE) provides a free
booklet on its website entitled "40 Money Management Tips Every
College Student Should Know," many of the areas
we've covered above including financial aid, jobs, credit and debt,
saving and investing, and a spending plan worksheet.

For information on the nuts and bolts of financial aid and the forms
to be completed, please access our February 2006 newsletter, "College
Financial Aid," , in the
newsletter archive of the high school section of HSLDA's website.

As we leave 2011 to enter 2012 remember to "Be anxious for nothing,
but in everything by prayer and supplication with thanksgiving let
your requests be made known to God." (Philippians 4:6) He is your

We'll see you next year to talk about ways to stay the course through
high school.

Sitting snug by the crackling, aromatic fire (or is that supper

Becky Cooke and Diane Kummer
HSLDA High School Consultants

Need Help? Becky and Diane are available to answer questions from
HSLDA members via email or phone. Contact us anytime you need advice
and we'll do our best to point you in the right direction! Not yet an
HSLDA member? Join today!

PHC Prep Academy Give your teens a jump start on possibly earning
college credit by enrolling them in an Advanced Placement course from
PHC Prep Academy . For more
details on the advantages of AP courses and who should consider taking
them, see Becky and Diane's webinar, .

Becky and Diane's Upcoming Speaking Engagements

March 3, 2012--Living Waters Home Educators, NJ (Diane)

April 12-14, 2012--MACHE, St. Paul, MN (Diane and Becky)

May 11-12, 2012--CHAP, Harrisburg, PA (Becky)

-> Have you ever yelled into the wind, only to hear the sound of your
voice blown back at you?

It's hard to be heard in the midst of a storm. Trying to influence
federal legislation is much like yelling to be heard while
standing in a fierce wind. Yet when 80,000 voices join together,
they become a powerful force that cannot be drowned out.
Join HSLDA to be heard above the tempests that threaten homeschool

More reasons to join HSLDA...

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