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Professional Development: HACKS TO LOWER THE COST OF COLLEGE · Earn Your Leisure

• 0:00
  Speaker 1: An illegal alien from Guatemala charged with raping a child
• 0:03
  Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador
• 0:07
  Speaker 1: accused of murdering a Texas man of Venezuelan charged with
• 0:11
  Speaker 1: filming and selling child pornography in Michigan. These are just
• 0:15
  Speaker 1: some of the heinous migrant criminals caught because of President
• 0:19
  Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States
• 0:23
  Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border
• 0:28
  Speaker 1: crossings are at the lowest levels ever recorded, and over
• 0:31
  Speaker 1: one hundred thousand illegal aliens have been arrested. If you
• 0:35
  Speaker 1: are here illegally, your next you will be fined nearly
• 0:39
  Speaker 1: one thousand dollars a day, imprisoned, and deported. You will
• 0:43
  Speaker 1: never return. But if you register using our CBP home
• 0:46
  Speaker 1: app and leave now, you could be allowed to return legally.
• 0:50
  Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,
• 0:55
  Speaker 1: border and families will be protected.
• 0:57
  Speaker 2: Sponsored by the United States Department of Homeland Security.
• 1:00
  Speaker 3: All right, So now we're going to talk about the
• 1:02
  Speaker 3: number one thing when when it comes to school is
• 1:05
  Speaker 3: how to pay for it?
• 1:05
  Speaker 4: Right money, money, As we said, man, it's the it's
• 1:08
  Speaker 4: the biggest financial decision that they're going to make and
• 1:11
  Speaker 4: they have, especially high school sent they got about three
• 1:13
  Speaker 4: years and that's you're making that decision at any team.
• 1:16
  Speaker 4: Like a lot of people won't get approved to get
• 1:18
  Speaker 4: a loan for a house. They probably won't. They may
• 1:20
  Speaker 4: not get approved to get a loan for a car,
• 1:22
  Speaker 4: but they will get approved.
• 1:24
  Speaker 3: Student loan is real, and it's something like I said
• 1:26
  Speaker 3: once again, I was fortunate not to have to a
• 1:29
  Speaker 3: loan because I had a scholarship. But I have brothers
• 1:30
  Speaker 3: and sister and they both have to I think they're
• 1:32
  Speaker 3: both still paying on this still they're both older than me.
• 1:36
  Speaker 3: But student loans is real. Financial lead is definitely real.
• 1:39
  Speaker 3: All that is real.
• 1:40
  Speaker 2: So you can't escape it. No, no, no filing for
• 1:42
  Speaker 2: bankruc doing a loan.
• 1:43
  Speaker 5: Oh, they're gonna want their money ra thank you so so.
• 1:54
  Speaker 3: But like, what's what's what's some hacks that parents because
• 1:57
  Speaker 3: a lot of parents listen to our podcast and you know,
• 1:59
  Speaker 3: might have children in college or children getting ready to
• 2:01
  Speaker 3: go to college. What's some hacks that and even children
• 2:04
  Speaker 3: or young adults can use to minimize the course of college.
• 2:10
  Speaker 6: One of the big hacks for high school students is
• 2:12
  Speaker 6: taking college courses while you're in high school. Now, some
• 2:16
  Speaker 6: high schools and some districts provide that, and they're called
• 2:19
  Speaker 6: like articulation agreements, another fancy words, another fancy hire Edward,
• 2:24
  Speaker 6: but their articulation or dual agreements or partnerships where a
• 2:27
  Speaker 6: lot of community colleges now and some four year schools
• 2:30
  Speaker 6: are trying to build upon their enrollment. So what they're
• 2:33
  Speaker 6: doing is they're allowing high school students to start taking
• 2:35
  Speaker 6: classes at a lower rate or for free. So that's
• 2:38
  Speaker 6: something to where we look at in your in your area,
• 2:41
  Speaker 6: your region, your district, especially within the community colleges, your
• 2:44
  Speaker 6: kids can take some of those level one hundred courses
• 2:47
  Speaker 6: at a lower rate.
• 2:48
  Speaker 2: Do you how do you get going on campus? You
• 2:50
  Speaker 2: can go on campus, so you can call.
• 2:52
  Speaker 6: What you can do is you can call most colleges
• 2:55
  Speaker 6: have what they call like a pre college program, pre
• 2:58
  Speaker 6: summer program, summer academy, and look inside of some of
• 3:01
  Speaker 6: those programs, those summer camps and maybe don't send your
• 3:04
  Speaker 6: kids to maybe a sports camp in the town. You
• 3:06
  Speaker 6: send them to a business academy camp at like let's
• 3:09
  Speaker 6: say a Pace University, and then they can potentially get
• 3:12
  Speaker 6: credits for class while they're at that camp. So that's
• 3:16
  Speaker 6: the way to kind of look at it. I would
• 3:18
  Speaker 6: look at your local community colleges first, give them a call.
• 3:21
  Speaker 6: A lot of them do allow high school students to
• 3:23
  Speaker 6: take classes on Saturdays and at night, so that's something
• 3:27
  Speaker 6: that you can you can definitely look out for, and
• 3:30
  Speaker 6: you can go in as what they call another fancy
• 3:31
  Speaker 6: college or like a non matriculated student.
• 3:34
  Speaker 5: That's yeah, that's a good word.
• 3:35
  Speaker 7: I know that.
• 3:36
  Speaker 8: I think another thing too is to just be honest
• 3:38
  Speaker 8: about going to community colleges. So community colleges are way
• 3:41
  Speaker 8: less expensive than they are than for your institutions are.
• 3:45
  Speaker 8: And so if your student is not fully prepared because
• 3:48
  Speaker 8: they just don't know.
• 3:49
  Speaker 7: I mean, at eighteen, you just may not know.
• 3:50
  Speaker 8: And at eighteen, I thought I was going to be
• 3:52
  Speaker 8: a high school basketball coach, teaching English classes that in
• 3:55
  Speaker 8: my old high school, and that's what I thought I
• 3:57
  Speaker 8: was going to do.
• 3:57
  Speaker 7: And I went into college thinking that that was the plan.
• 4:00
  Speaker 8: And I realized that I didn't want to do that
• 4:02
  Speaker 8: at all about two years into the game, and so
• 4:05
  Speaker 8: I had I don't know if community college was particularly
• 4:08
  Speaker 8: for me, but I'm paying I paid for those two years,
• 4:10
  Speaker 8: and I paid a lot of money for those two years.
• 4:12
  Speaker 8: And for some people who are just not quite sure
• 4:15
  Speaker 8: if they want to go to college or if this
• 4:17
  Speaker 8: institution is go to a two year and bang out
• 4:20
  Speaker 8: two years of college that are going to be a
• 4:21
  Speaker 8: lot less expensive, and then succeed at those two years
• 4:24
  Speaker 8: and then you can get into whatever school you want.
• 4:26
  Speaker 7: I mean, Harvard is giving away.
• 4:27
  Speaker 8: Full scholarships to students who excel at a community college,
• 4:30
  Speaker 8: as are so many other excellent institutions. So you know,
• 4:34
  Speaker 8: I think that's a one that's another way to minimize
• 4:37
  Speaker 8: some of the costs. And another thing I wanted to
• 4:40
  Speaker 8: add is alumni offices are a secret hidden money giving
• 4:45
  Speaker 8: a space you're it's called advancement at most universities, but
• 4:50
  Speaker 8: your alumni offices are always collecting money from donors who
• 4:55
  Speaker 8: are saying, we want to give money to a black
• 4:58
  Speaker 8: male student from upstate New York who enjoys watching soccer,
• 5:05
  Speaker 8: and they literally will say that's the only way we're
• 5:07
  Speaker 8: going to give five thousand dollars to this program, or
• 5:09
  Speaker 8: we're gonna give five thousand dollars to a student who's
• 5:12
  Speaker 8: involved in the Haitian Students Club and that's the only
• 5:15
  Speaker 8: way we're going to give five thousand dollars.
• 5:16
  Speaker 7: I donate to my.
• 5:17
  Speaker 8: School, and I give money only to the Black Student
• 5:21
  Speaker 8: Union that helps shape my career.
• 5:23
  Speaker 7: So we have money that we give to. You have
• 5:25
  Speaker 7: to be involved in that club.
• 5:26
  Speaker 8: But students don't know because they don't always announce those scholarships.
• 5:29
  Speaker 8: They're just there on the website that nobody knows.
• 5:33
  Speaker 7: So I tell.
• 5:34
  Speaker 8: Students once a month go into that office and say
• 5:36
  Speaker 8: are you offering any scholarships, and they will be there.
• 5:40
  Speaker 6: And then for those people, I mean, we both did it.
• 5:43
  Speaker 6: We both donated and created our own scholarships. I created
• 5:45
  Speaker 6: one out of community college, created one out of his high school.
• 5:47
  Speaker 6: And for those people that are watching that don't know
• 5:49
  Speaker 6: how to give back money, you can call the foundations
• 5:52
  Speaker 6: and advancement and alumni offices at these colleges and do
• 5:56
  Speaker 6: a two hundred and fifty dollars scholarship or five hundred dollars
• 5:59
  Speaker 6: scholarship to help.
• 6:00
  Speaker 2: Students as well.
• 6:01
  Speaker 6: Another misconception is that you have to finish a community
• 6:04
  Speaker 6: college in order to transfer.
• 6:06
  Speaker 2: That's not true. Every school is different.
• 6:08
  Speaker 6: So for example, in New Jersey where I live, there's
• 6:10
  Speaker 6: two things that I want to kind of put out there.
• 6:11
  Speaker 2: There's two things in New Jersey.
• 6:13
  Speaker 6: Let's say you have twelve credits in a two point
• 6:15
  Speaker 6: zero you can transfer into most four year state schools
• 6:18
  Speaker 6: in New Jersey. It's give me two point five into most.
• 6:22
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• 8:12
  Speaker 1: An illegal alien from Guatemala charged with raping a child
• 8:16
  Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador
• 8:20
  Speaker 1: accused of murdering a Texas. Man of Venezuelan charged with
• 8:24
  Speaker 1: filming and selling child pornography in Michigan. These are just
• 8:28
  Speaker 1: some of the heinous migrant criminals caught because of President
• 8:32
  Speaker 1: Donald J. Trump's leadership. I'm Christy Noman, the United States
• 8:36
  Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border
• 8:40
  Speaker 1: crossings are at the lowest levels ever recorded, and over
• 8:44
  Speaker 1: one hundred thousand illegal aliens have been arrested. If you
• 8:47
  Speaker 1: are here illegally, your next you will be fine nearly
• 8:51
  Speaker 1: one thousand dollars a day. Imprisoned and deported, you will
• 8:55
  Speaker 1: never return. But if you register using our CBP home
• 8:59
  Speaker 1: app and now you could be allowed to return legally.
• 9:03
  Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,
• 9:08
  Speaker 1: border and families.
• 9:09
  Speaker 7: Will be protected.
• 9:10
  Speaker 6: Sponsored by the United States Department of Home d Security
• 9:12
  Speaker 6: from state schools in New Jersey. New Jersey also has
• 9:15
  Speaker 6: another program, and most states do have programs like this
• 9:18
  Speaker 6: called NJ Stars where a student maybe didn't do particularly
• 9:20
  Speaker 6: well in their SATs, but they're in the top twenty
• 9:23
  Speaker 6: percent of the top ten percent of their class. And
• 9:25
  Speaker 6: if you're in the top ten percent of your class,
• 9:26
  Speaker 6: you go to college for free community college. Then when
• 9:29
  Speaker 6: you go to community college, if you get your associate's
• 9:31
  Speaker 6: degree and you have a three point two GPA, you
• 9:33
  Speaker 6: can get another scholarship to go finish your your bachelor's
• 9:36
  Speaker 6: degree at a four year college and that'll be it
• 9:38
  Speaker 6: in Jstars two. So in Jstars one is community college.
• 9:41
  Speaker 6: You can transfer out and then you go into in
• 9:43
  Speaker 6: Jstars too. So these are the type of programs that
• 9:45
  Speaker 6: they have in a lot of I just know that
• 9:46
  Speaker 6: particular because I'm from New Jersey, but they have these
• 9:48
  Speaker 6: type of programs within the states. So don't get too
• 9:51
  Speaker 6: caught up saying, well, I'm top twenty percent of class,
• 9:52
  Speaker 6: I want to go to this big school.
• 9:54
  Speaker 2: Yeah, you might be.
• 9:55
  Speaker 6: Your top twenty percent might be different from another high school,
• 9:57
  Speaker 6: so you might not get as much money as far
• 9:59
  Speaker 6: as scholarships. So take advantage of the scholarships that you
• 10:01
  Speaker 6: do have, maybe at that community college, and then go
• 10:03
  Speaker 6: on and then potentially transfer and get scholarships as well.
• 10:06
  Speaker 2: So it's just transfer scholarships.
• 10:07
  Speaker 4: As you're talking, I'm listening because we do this this
• 10:10
  Speaker 4: project with the kids who are going into college, Like
• 10:12
  Speaker 4: even say an associates degree, they like have no idea.
• 10:14
  Speaker 2: So that's traditionally fifty six.
• 10:16
  Speaker 4: Credits, right, and then obviously a bachelor is when you
• 10:18
  Speaker 4: finish traditionally one hundred and twenty credits of school that
• 10:21
  Speaker 4: might take for four or five years, hopefully because it's
• 10:25
  Speaker 4: going to coast you bright and you don't.
• 10:26
  Speaker 6: But and on top of that, you know, after a
• 10:28
  Speaker 6: certain amount of credits, after I think one hundred and sixty,
• 10:30
  Speaker 6: I want to say, you run out of financial aid.
• 10:33
  Speaker 2: So you can continue to go to school. They'll let
• 10:36
  Speaker 2: you go to school, they don't care.
• 10:37
  Speaker 6: But your financial aid can you can exhaust your financial aid.
• 10:39
  Speaker 5: That's important.
• 10:40
  Speaker 4: And I was going to say, like in addition to that,
• 10:42
  Speaker 4: like a lot, there's a misconception with community college, like
• 10:44
  Speaker 4: you said, like after those two years you transfer to
• 10:46
  Speaker 4: a four year school, Like when you graduate and you
• 10:48
  Speaker 4: go into your career, nobody's looking at like, yo, what
• 10:51
  Speaker 4: junior you transfer from community college? And then New York
• 10:54
  Speaker 4: State has now like in the past two years they
• 10:56
  Speaker 4: started the Exelsia program. So state school is also a
• 10:58
  Speaker 4: good thing, right, it's a at least it's less than
• 11:01
  Speaker 4: if you went to a private school.
• 11:02
  Speaker 5: Right.
• 11:03
  Speaker 2: So if you go to state school.
• 11:03
  Speaker 4: And you live in New York and you know your
• 11:05
  Speaker 4: parents make under a certain amount of money, you can
• 11:08
  Speaker 4: have I think room and board.
• 11:09
  Speaker 2: For free, and to which I was as well.
• 11:12
  Speaker 7: So that's another option.
• 11:13
  Speaker 4: If community college is like it's not something you want
• 11:15
  Speaker 4: to do, go to your local state school if you
• 11:18
  Speaker 4: live in New York, and then I think the only
• 11:19
  Speaker 4: recommend the requirement is that you have to work in
• 11:22
  Speaker 4: the state four years after you however long.
• 11:25
  Speaker 2: Yeah, a lot of schools are doing.
• 11:27
  Speaker 6: You know, if your parents make seventy thousand hours, your
• 11:30
  Speaker 6: household income is seventy thousand hours, you go to school
• 11:32
  Speaker 6: for free. That's something that's happened in New Jersey where
• 11:34
  Speaker 6: all the community colleges will be free start in September.
• 11:37
  Speaker 6: These are again, these are the type of programs that
• 11:39
  Speaker 6: you should know. But most importantly you just brought up
• 11:41
  Speaker 6: a really good point. Public understand what a public college
• 11:45
  Speaker 6: is and a private college. Right, nine times out of ten,
• 11:48
  Speaker 6: a private college costs more than a public college. And
• 11:50
  Speaker 6: it doesn't mean that, and it goes back what I
• 11:51
  Speaker 6: said early. It doesn't mean that they're a better school.
• 11:53
  Speaker 6: It's literally because they're privately funded, so it's a little
• 11:56
  Speaker 6: it's a little bit different when it comes to how
• 11:58
  Speaker 6: much they.
• 11:58
  Speaker 2: Charge for tuition.
• 11:59
  Speaker 6: So it's very to know what the public college is
• 12:01
  Speaker 6: and a private and a private and know the difference that's.
• 12:03
  Speaker 3: Important, yah, because I actually did a podcast before and
• 12:05
  Speaker 3: somebody asked me that question, and I was saying that
• 12:08
  Speaker 3: nobody cares, like especially if you plan on getting a
• 12:12
  Speaker 3: degree outside of the other first degree. So like if
• 12:14
  Speaker 3: you know you're going to get a four year degree
• 12:16
  Speaker 3: and you go into a two year school, or if
• 12:18
  Speaker 3: you know you're going to get a master's degree, right,
• 12:20
  Speaker 3: they only care about the last degree that you have
• 12:23
  Speaker 3: and that school that you went to. So like Barack
• 12:25
  Speaker 3: Obama is a perfect example. He went to his first
• 12:28
  Speaker 3: school that he went to for two years is like
• 12:30
  Speaker 3: some no name school in California. Then he went to
• 12:34
  Speaker 3: Columbia and then he went to Harvard after that. Right,
• 12:37
  Speaker 3: when you hear the stories, it's only that he went
• 12:39
  Speaker 3: to Harvard Law and he graduated from Columbia, they never
• 12:41
  Speaker 3: say the first school that he went to. It doesn't matter.
• 12:44
  Speaker 3: But you save a lot of money, you prepare yourself,
• 12:47
  Speaker 3: and you grow. So a lot of times, I'm not
• 12:49
  Speaker 3: the best person to give this speech because I went
• 12:51
  Speaker 3: to the University of Hawaii. But you might have to
• 12:55
  Speaker 3: humble yourself and stay home right and learn learn the ropes,
• 12:58
  Speaker 3: and you know, stay at home for a couple of
• 13:00
  Speaker 3: years and then go out on your own, or you know,
• 13:03
  Speaker 3: you might just sacrifice for four years, stay at home,
• 13:05
  Speaker 3: save money, go to your local school in your area,
• 13:08
  Speaker 3: your state school. It'll you might not get the same
• 13:12
  Speaker 3: joy as you know going out on your own and
• 13:16
  Speaker 3: you know, going to a crazy destination, but the grand
• 13:20
  Speaker 3: scheme of things, it might make a lot of sense
• 13:23
  Speaker 3: long term.
• 13:23
  Speaker 2: That's my story in itself.
• 13:24
  Speaker 4: Right, I stayed home, I went to school locally, right,
• 13:27
  Speaker 4: But what I did during that time was I was
• 13:28
  Speaker 4: able to get experience. Whereas somebody who comes out of
• 13:31
  Speaker 4: school and is looking for experience, I already have four
• 13:33
  Speaker 4: years on you.
• 13:34
  Speaker 2: So sometimes when you go to a career or job,
• 13:36
  Speaker 2: it's like, yeah, you have this, but do you have
• 13:38
  Speaker 2: the experience?
• 13:38
  Speaker 4: Like I'm doing that as I'm going to school and
• 13:40
  Speaker 4: obviously I don't have to pay for room and board
• 13:42
  Speaker 4: or anything like that.
• 13:43
  Speaker 2: So it helped in that way.
• 13:44
  Speaker 6: Yeah, and also look at another complutment by experience, also
• 13:47
  Speaker 6: got the career centers within the college. I know in
• 13:50
  Speaker 6: my junior year, my job, my internship was also kind
• 13:54
  Speaker 6: of as credits, so it could be considered like a
• 13:56
  Speaker 6: co op program. So your class can actually eliminate. I
• 13:59
  Speaker 6: mean your job actually leiminate you taking a certain class
• 14:02
  Speaker 6: because the work that you're doing, the experience that you're
• 14:03
  Speaker 6: doing is learning learning, learning experience, and they they'll give
• 14:06
  Speaker 6: you a professor to kind of, you know, follow you along,
• 14:10
  Speaker 6: and then you write a paper about it in a semester.
• 14:12
  Speaker 6: And not only did you get paid to work, but
• 14:13
  Speaker 6: you also got credits which saved you money as well.
• 14:33
  Speaker 1: An illegal alien from Guatemala charged with raping a child
• 14:37
  Speaker 1: in Massachusetts. An MS thirteen gang member from El Salvador
• 14:41
  Speaker 1: accused of murdering a Texas. Man of Venezuelan charged with
• 14:45
  Speaker 1: filming and selling child pornography in Michigan. These are just
• 14:49
  Speaker 1: some of the heinous migrant criminals caught because of President
• 14:53
  Speaker 1: Donald J. Trump's leadership. I'm Christine Noman, the United States
• 14:57
  Speaker 1: Secretary of Homeland Security. Under President Trump, Attempted illegal border
• 15:01
  Speaker 1: crossings are at the lowest levels ever recorded, and over
• 15:05
  Speaker 1: one hundred thousand illegal aliens have been arrested. If you
• 15:08
  Speaker 1: are here illegally, your next you will be fine nearly
• 15:12
  Speaker 1: one thousand dollars a day, imprisoned and deported, you will
• 15:16
  Speaker 1: never return. But if you register using our CBP Home
• 15:20
  Speaker 1: app and leave now. You could be allowed to return legally.
• 15:24
  Speaker 1: Do what's right. Leave now. Under President Trump America's laws,
• 15:29
  Speaker 1: border and families will be protected.
• 15:31
  Speaker 2: Sponsored by the United States Department of Homeland Security,