I can hear my readers smirking as they read this. Fishing scholarship? Are you kidding me? Believe it or not, it’s no joke. There are some hefty scholarships out there waiting to be reeled in. Let’s look at bass fishing, for example:

• A google search of “bass fishing scholarships” reels in 45,000 matches.
• There are 220 colleges with bass fishing scholarships

Take Bethel College in McKenzie, Tennessee, for instance. Their bass team was featured in The New York Times just  two weeks ago. Bethel made Lauren Stamps the first woman bass angler ever to be awarded a college scholarship for bass fishing. Tyler Wadzinski, a senior at Franklin (Tenn.) High School, was awarded a $4,000 ride to fish for the Bethel Wildcats. Wondering about Bethel College’s academic reputation?  It was founded in 1842; has 2,700 students; offers 28 undergraduate programs and five Masters. Their athletic program includes 16 men’s and 13 women’s sports (NAIA). In addition to their home campus in McKenzie, they have five satellite campuses in Tennessee.

Garry Mason, the coach of Bethel University’s fishing team, with the freshman Lauren Stamps on a lake in Tennessee.

Not convinced? Look at just some of the top colleges with bass clubs — Duke, Cornell, Northwestern and Texas A&M. If you’re looking for a complete list, go online to www.collegebass.com. Odds are you might be surprised by some of the colleges listed that have bass fishing teams and scholarships.

Remember, sports are not just “stick and ball” anymore. If student-athletes can win scholarships for skiing, shooting and tumbling, why not bass fishing? It may not be for everyone, but if your child is  interested, put them on a scholarship track now by suggesting that they investigate this new financial boon.

If your teen is heading into their senior year in the fall, summer is the time to start thinking about that list of people who might write glowing letters of recommendations to the colleges they are aspiring to attend. Put some thought into this list and hit the ground running in the fall!

******

What class did you do best in last year? Which class was your favorite? Who was your favorite teacher? Does your guidance counselor know you well? Who knows you the best (both adults and fellow students)? Who will write you the best recommendation?

These are questions to answer this summer if you are going be entering your senior year in the fall. Once you have your answers, make a list of the people who would be your best recommenders. Put some serious thought into who you will ask because these letters are important!

After identifying these top recommenders, ask them if they can write you a strong letter of recommendation. Teachers will greatly appreciate having time to work on your letters. So hit the ground running in the fall before they are drowning in recommendation requests on top of lesson plans and other school-related activities. Get a leg up by approaching them EARLY!

If you remember particular instances where you demonstrated your creativity, intelligence, responsibility, or other impressive qualities, don’t be shy about reminding your recommenders about them. You can even provide a list of things you think your recommenders might want to cover in their letters. The best letters tell stories, and you probably remember those stories better than anyone else!

Examples of things you might want to share with your recommenders:

• A list of your activities and accomplishments
• Copies of your best papers in the recommender’s class
• Copies of your creative writing
• Notes about particular contributions you made in class
• Your transcript
• Your student resume (yes you should have one!)

Any and all help you can give your recommenders, whether it’s giving them plenty of time or helping them with material to put in their letters, will be appreciated and will make for a stellar letter of recommendation!

The benefit to you, besides that you’ll have great recommendation letters, is that when December rolls around, you won’t be biting your nails worrying whether your letters will be in by deadline.

That’s worth a bit of thought and action right now, isn’t it?

******

This post was written by Brenda Bernstein, a graduate of Yale University and the New York University School of Law. She has been helping students get into college, grad school and law school for over ten years and is proud to offer college admissions assistance to students through her company, The Essay Expert.  Brenda practiced public interest law for ten years in New York City and knew early on that her calling was in student advising, not legal practice.  She is now a J.D. Career Advisor at the University of Wisconsin Law School Office of Career Services, as well as a writing coach and owner of The Essay Expert. Brenda is also trained as a life coach by the Coaches Training Institute.

Brenda’s company and consultants have helped students gain admission to top schools throughout the nation, including:  Yale, Harvard, Brown, Columbia, NYU, U Penn, Oberlin, Carleton, Northwestern, Georgetown, U of Miami, and UCLA.

Today’s guest post is from WilliamPaid.com, providing a service for college students and their families by providing online rent payment capabilities, student loan reductions, cash-back rewards, and even a roommate connect option. Follow @WilliamPaid on Twitter for credit coaching, roommate helps, and landlord tips. Pass this post along to your college-bound teen and get them started on the right track to a good credit score!

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Your credit score can be a lot like an SAT score.  That is, you really don’t care about it until it isn’t high enough.  Like SATs, cramming doesn’t really work.  When it comes to your credit, there are no shortcuts.

That doesn’t mean that you are stuck and unable to impact your credit score. You actually have all the control. Here are six simple things to keep in mind:

• Pay Your Bills On Time. Mom and Dad were right; on-time payments demonstrate responsibility and show creditors that you manage your accounts.  If you have to, even paying just the minimum amount – but on time – will help.
• Check Your Credit. Be sure that you are checking your credit at least every 12 months to ensure that you know where your credit stands. This also helps you to make sure that no fraudulent activity has been going on in your account.  There is no need for a costly service – you can do this for free by requesting your free credit report each year.
• Take Care of the Past. If you have any negative entries on your credit report that you haven’t resolved yet, do it.  Take any extra cash you have and pay off any judgments or liens. While these items may stay on your credit report for some time, resolving these matters demonstrates your efforts to get your credit score under control, which will then raise your score.
• Close with Caution. It may seem ironic, but closing credit accounts can actually hurt you. It may be better not to use a credit card than to actually close it.  It has to do with your available credit and the amount of your available credit that you’ve expended.  Keep in mind, though, that some credit cards charge annual fees, so weigh the cost and the benefit.  You can always call the credit card company and ask them to waive your fee.
• Get Credit for Rent and Other Payments.  Those with little to no credit histories can bolster credit files by having rent and other recurring payments reported. Traditionally, these payments do not get reported to the credit bureaus and therefore, these positive payment histories are often missed.  Online rent payment service WilliamPaid.com will pay and report your ongoing rent payments and provide you with flexible rent payment options.  You can also use WilliamPaid’s Bill Verification Service to verify and report bills that you’ve already paid.  This can allow you to use past payments to prove your creditworthiness.
• Open and Manage Accounts. Establish yourself as a serious borrower by opening a checking and savings accounts to begin tracking your money more closely and saving what you can each month. The longer your positive credit and banking relationships, the better your credit score will be.

While your SATs can determine what school you get into, your credit score can determine everything from the type of loan you can receive to what kind of apartment you can rent to whether or not you will get your dream job, so take care of it and it will take care of you.

It’s been in the news lately and it came up in a #CollegeBound chat yesterday: graduating with too much student loan debt. I wanted to lend my voice to the topic today and give parents something to think about and use in the future.

As I have said previously, I have a unique perspective in the college admissions process. As a parent, I’ve experienced all the frustration first-hand: the decisions about choices, the dilemma over financing, and the anxiety related to waiting for the final decisions. Something I haven’t talked about is how to handle making the final college choice when the acceptance letters and financial aid packages arrive. This can make a difference in the amount of debt your child graduates with and how it affects their life after college. Especially if you are unable to contribute to financing that education.

Case in point: my daughter’s decision to attend her “plan B or 2nd choice” college. After being accepted to her 1st choice/reach school, we waited for the financial aid award to arrive. In the meantime, awards from the other colleges she had applied to filtered in. She was offered a full-ride scholarship at one school, 80% of her financial need was met at two of the other colleges with grants and scholarships, and some small grants and loans from the rest of her college choices. Her 1st choice college met 0% of her financial need. Her heart was broken.

Here is where parenting comes into play. She wanted to attend her 1st choice college–her heart was set on it. She had been dreaming of it her whole life and any other option was out of the question. But, in order to attend, it would require financing the expensive education with loans (student and parent). While every fiber in me wanted to say YES, my common sense knew it would be a financial disaster. I sat her down, explained why she couldn’t go to her dream college, and she listened (while crying, of course). It might have broken both our hearts at the time, but it was the BEST decision for her in the long run.

To make a long story short, she fell in love with her Plan B college. It was smaller and offered a much better environment for her academically and socially. Most importantly, the college WANTED HER; as evidenced by their willingness to give her financial aid. They valued her contribution to the student body and from the moment she set foot on campus, she felt wanted. But the real payoff came when she graduated with only a small amount of college debt, being able to easily pay back the consolidated loans. Had she attended her 1st choice college, she would have graduated with close to $100,000 in debt, burdening her for years.

The bottom line:

• Make wise financial choices about student loan debt.
• Evaluate the financial aid packages and always consider the BEST offer.
• Even if it’s disappointing for your child, you MUST be a parent and explain the consequences of graduating with too much college debt.
• Disappointments are much easier to deal with than being saddled with debt after graduation.

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Choices. Choices. Choices.

Checking the “no financial aid needed” box

Preparing for the SAT/ACT tests cause panic and stress for college-bound teens and their parents. Why? Because colleges use those test scores as part of the college admissions evaluation process. Some parents are willing to shell out massive amounts of money to assure that their teens do well on those tests. But controversy around the “cost vs return” swirls.

I had a Twitter conversation the other day with Elizabeth King, an SAT coach and author of “Outsmarting the SAT” and she made a profound statement:

I’m just ideologically opposed to test prep without educational value.

She makes an excellent point. As parents, we worry and fret about those scores and often nag our teens to “study” for the SAT. Is it all about the score? Or are we concerned that they improve their vocabulary, writing and math skills? Do we worry that they might not have that high score or worse yet, fall into that “average” category. Are we so concerned about the score that we forget there is little value in any test prep that has no educational value?

Jenn Cohen of Word-Nerd.com, a free SAT vocabulary prep site, makes a valid point in her recent blog: The SAT and Me, Me, Me. She proposes that it’s not the test itself that is flawed, but the inability of parents and students to accept the concept of being “average”:

…a test that generates primarily average scores must be a bad test in the culture of narcissism, so it’s roundly criticized for its inability to capture the “unique” abilities of average students.  The SAT awards scores that separate students from each other, and trophies are certainly not awarded to everyone.  Tests that might make our children feel less than extraordinary are awful, and should be eliminated… Accepting the test as an opportunity, rather than an act of persecution, can open doors and motivate students to live up to their actual potential.

Let’s look at the big picture here. As parents, we have a tendency to demand and expect the best of our children. That “best” often translates into indulging them and often overlooking their failures and faults. We will do just about anything to see that they get into their first choice college. But will we encourage learning? Or will we drop a bundle on test prep as a means to an end–a high test score? Will we criticize the test because it levels the playing field and gives those students with poor grades a chance to shine? Or criticize it because it says that our college-bound teen is “average”?

The bottom line–Promote learning and not just your version of success. Remember that even “average” students excel in life. Encourage your teen to read and expand their vocabulary. The benefits will produce more than just a good test score.

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Creating an SAT Study Plan

Outsmarting the SAT

When my daughter was in college, she, her roommates, and friends feared and dreaded the “freshman 15”. There’s a rumor out there (and it’s more than a rumor) that freshmen in college gain 15 pounds the first year.  Corey Bobco for The Real College Guide gives your college-bound freshman some tips on how to avoid those 15 extra pounds. Pass these tips along to the class of 2014…or 15…or 16. (After last night’s #CollegeChat it seems the stats are against them graduating in 4 years!)

Note: I would venture a guess (and I’m probably right) that much of the 15 pounds is attributed to high calorie alcohol consumption.

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It doesn’t take a college degree to know that eating junk plus exercising less equals the end of your smokin’ bod. But sometimes, on-campus crunch-time habits like scrimping on exercise and binging on convenient, crappy food can stick — especially if they begin while you’re lazin’ out at home on break.

Factor in a colossal workload (aka hours of inactivity while your butt is nailed to your desk chair), and you’re looking down the very-real barrel of your freshman 15. Want to avoid ‘em? Try practicing healthful habits on the home front so you’ll be ahead of the game once stress strikes when you’re back at school. Here are some tips:

Fork in Five a Day

Here: The U.S. Department of Agriculture recommends eating five to nine servings of fruits and vegetables each day to reduce your risk of disease and give you a good dose of dietary fiber — which pushes digestion along, quite literally. Scarfing down adequate servings doesn’t mean throwing back a whole bunch of bananas in one sitting or repurposing your funnel for competitive juice chugging (especially because it only takes half a cup — that’s 4 ounces — of fruit juice or vegetable juice to yield one serving). While you have access to your parent’s grocery funds and home cooking (if you’re lucky!), make it your daily goal to increase your fruit and veggie intake.

There: Hit up the dining-hall salad bar and enlighten your tray with some greenery. To avoid in-class grumbles, snack throughout the day — and make your snack of choice fruit. Apples, bananas and oranges can usually withstand the wrath of your books when thrown in your bag for a between-class snack. Plus, it’s easy to grab a piece or two on your way out from breakfast in the dining hall.

Plan Accordingly

Here: At home, you might not have control over what kind of tempting food finds its way into your pantry. But make sure there are healthful snacks in there too to help you avoid stuffing your face with the worst of the worst when hunger strikes.

There: When stocking your dorm room with snacks, don’t feel the need to get everything your parents keep in the house (because it’s familiar) or everything they don’t keep (just because you can). Rather, stick with the following mantra: “If I don’t buy it, I can’t eat it.” So what should you buy? Try portion-controlled trail mix, dried fruit or 100-calorie bags of popcorn — and get it at a supermarket or health food store in bulk quantities. Individual servings save you from yourself (aka overeating), and buying in bulk saves you cash. Stocking up instead of buying individual items at a vending machine or quick store will save you serious cash — especially when you’re munching on these snacks instead of ordering deep-dish pizza late-night.

Get Physical

Here: With nothing but time on your hands over summer (or any) break, you have no excuse not to be active. Luckily, this doesn’t have to be painful. Take a swim for an awesome way to get exercise while working on your tan. Dust off your old bike and take it for a joy ride around the block. Or try walking — you may be surprised how far your legs can take you around your hometown.

There: Take the time to research what facilities your school offers. Most campuses offer free gym membership, indoor pool access, free or low-cost exercise classes and bike racks –which, by the way, you should totally use, since two wheels are cheaper than four and faster than walking to class. Since you’ll probably know when you’ll be in class before you get to campus, it should be easy to figure out how to fit exercise classes or gym sessions into your day. Once you set aside the time, keep it interesting by inviting friends to join you or trying something new, like yoga, Pilates, tai chi, step aerobics, kickboxing or capoeira.

Sleep in

Here: In the long run, sleep deprivation encourages weight gain. Use your spare hours to determine — within reason — how much sleep you actually need to feel well rested. Then, make sure you get it. (Hint: If you think you need more than 12 hours, you’re wrong. More likely, you need between six and eight.)

There: Depriving yourself of sleep typically raises stress levels while impairing mental and physical performance, so you really need to get your z’s. Early class? Set a bedtime and stick to it. If you feel like there aren’t enough hours in the day to do your work and get sufficient rest, reassess the way you spend your time. It’s possible that interruptions like your roommate’s incessant BBMing or distractions like Facebook browsing are robbing you of precious hours. Reclaim ‘em and rest up!

In the spirit of “graduation season”, our guest post this week by Nicole Frie for The Real College Guide, gives some great ideas on how to plan a graduation party on a budget (high school included!)

Think you need a ton of money to host a decent graduation party? Not necessarily. Here, we give you awesome — and inexpensive! — ideas for having the best graduation party on a budget … so start planning, party monster!

Free Graduation Party Invitations
Give a shout-out! Since you’re looking to save money, consider creating an Evite invitation or Facebook event page to spread the news of your graduation party. This is much cheaper (as in, it’s free!) and less time-consuming than paper invites. Plus, it shows a little bit o’ love to Mama Earth.

Best Graduation Party Venue
In his song “The Best of What’s Around,” Dave Matthews sings, “Turns out not where but who you’re with that really matters. …”

• There’s no place like home. According to Laura Schroyer, sales rep at Lasting Impressions Event Rentals in Columbus, Ohio, the majority of graduation parties the company services are held at the graduate’s house. Opening up your home can seem daunting, but it’s better than forking out beaucoup bucks to the country club.
• Consider the city. Contact your local city or county recreation department and ask if they offer any places for hosting get-togethers. Many have parks, pavilions or halls available to reserve free of charge or rent for a reasonable fee. These locations often include amenities, such as use of kitchens or outdoor grills, existing tables and seating, and various sports courts.

Bonus money-saving tip: Before renting tables and chairs from a rental company, Jason Rickey, University of Dayton junior and co-owner of Omar’s Party Tents, recommends asking a local church if you can borrow some in exchange for a small donation.

Best Graduation Party Decorations
Schroyer says decorating with school colors is a popular grad party trend: “They use a lot of colors from that college or different items associated with their college.”

• Hit up discount chains and dollar stores. You’ll find inexpensive decor, like streamers and balloons, as well as color-coordinated paper plates, napkins and plastic utensils. Schroyer mentions that a simple way to make the decor pop is to use tablecloths in complementing colors.
• Enlist the help of friends. Have any artistic kids in your crew? Pick up some poster board and paints, and have them create one-of-a-kind wall hangings. Your roomie has a knack for interesting dorm decorating on the cheap? Put her in charge of coming up with unique centerpieces.

Best Graduation Party Food
“Food is the main reason I go to graduation parties,” jokes Ohio State University sophomore Alex Huegle. Forget the caterer and go with some of these less pricey menu suggestions:

• Cookout fare Tossing burgers and dogs on the grill is an efficient way to keep the food coming. And it’s not a cop-out to ask each guest to bring a side dish to share. Just make sure you know who’s bringing what so you have a variety and don’t end up trying to unload five buckets of potato salad.
• Ethnic dishes Did you study abroad? Recreate dishes you enjoyed during your trek. If you traveled through Spain, serve gazpacho and paella (substitute expensive shellfish with just-as-delicious chorizo sausage and chicken — or even beans for a vegetarian option).
• Dippity do’s Put out an assortment of dips, like artichoke, nacho or hummus, for guests to munch on. Be sure to provide chips, pretzels and cut-up veggies for dipping. This is the best way to go if you have limited seating, since guests can easily consume these foods while standing.

Also, don’t space on the drinks. Fill coolers (or a baby pool) with plenty of ice and bottled water or soft drinks.

And finally, no grad party is complete without a cake. If you’re feeling creative and want to forgo ordering the traditional sheet cake, be your own “cake boss”: Buy fondant and colored icings online or at craft stores. Or whip up cupcakes!

Best Graduation Party Entertainment
No need to hire a DJ to keep grad party guests entertained …

• Turn up the tunes. Personalize your playlist by projecting your iTunes from computer speakers or your iPod from an iHome. Or try Web sites like Pandora.com or Grooveshark.com to personalize live streaming playlists. If you’re really going for the “wow” factor, ask your musician friends to perform as a graduation gift to you.
• Play some games. To break the monotony of mingling, offer games for your graduation party guests. Set up a volleyball net, use your basketball hoop for some one on one or dust off the cornhole boards.
• Create a slideshow. To save money on printing photos, scan old ones to your computer and combine with photos you already have. Make your slideshow using such software as PowerPoint or Movie Maker (look for free downloads), then connect your computer to a projector and let the good times roll!

Talk It up! Ever been to a particularly awesome graduation party? Share the highlights below!

This week, the news stories from the University of Virginia told of the tragic story of Yeardley Love: murdered by an angry ex-boyfriend. In September a Yale graduate student was murdered on campus the day she was scheduled to marry. In August, a University of Tampa student, Ryan McCall, was gunned down on his way home from a friend’s birthday celebration. And in March, NYU student Michael Finney drowned while on spring break.

Parenting on good days can be frightening. You never know when some unexpected event will occur and rock your world. It’s impossible to prepare for every unexpected occurrence, but we can take the time to equip our children with the knowledge and the tools they need to keep themselves from falling into dangerous situations.

Here are my 6 campus safety talking points:

1. Teach them the warning signs of violent, aggressive behavior. Help them understand that if a friend or boyfriend starts exhibiting violent or possessive tendencies, they need to seek help.
2. Help them to understand that safety should be a priority. Girls should NEVER walk alone on or off campus, especially at night.
3. Impress upon them that alcohol often leads to dangerous, aggressive behavior. Sexual assaults, violence and sheer stupidity (driving while drunk) can ruin their lives or lead to fatal consequences.
4. Talk to them about putting themselves in compromising positions: alone with a guy or girl they don’t know; flirting when they have no intention of pursuing a relationship; participating in illegal activities that could escalate.
5. Work with them to come up with some safety guidelines BEFORE they leave for college (lock their dorm door at night; call for a campus escort when alone; program emergency numbers in their cellphone; read the school’s emergency plans together).
6. Let them know that they should never be afraid to ask for help when frightened, threatened, or unsure of their own safety.

We can’t hold our childrens hands their entire lives. But we can be responsible parents and teach them the rules of safety. We did it for them when they were toddlers: look both ways when crossing the street; hold your brother’s hand at the mall;don’t talk to strangers. We should certainly do that for them BEFORE they head off to college.

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Crime on Campus

Parents: Can you handle the truth?

In the news: Violence on college campuses

This year the Princeton Review named Penn State the #1 Party School. Last year it was University of Florida. I remember when my daughter was headed off to college, Southwest Texas State University (now Texas State) claimed the title. Does that mean that the schools that aren’t rated don’t party? Of course not. It means that the students who were polled online gave responses that garnered them that title. They wear it proudly. However sobering that thought may be, it’s a reality.

This American Life did an interesting series of podcasts about the college drinking culture. As a parent, it was an eye opener. Don’t get me wrong, I know that both my kids drank in college. I was not naive to think they would avoid alcohol for four years. But listening to this podcast definitely raises some serious questions regarding college drinking and its affect on our young college students.

Here are a few questions you might want to ask yourself before your teen heads off to college:

1. Would you let your teen go to the #1 Party School (or even one that was ranked)?
2. How concerned are you about college binge drinking?
3. Do you think drinking is a rite of passage for college students?
4. How can you discourage your teen from overindulging in alcohol while in college?
5. Considering that a large portion of college drinking happens at frat parties, would you discourage involvement in Greek life?
6. Does your daughter understand that drinking often leads to hooking up that she might regret later?
7. Would drinking and the affect it has on college students make you think twice about allowing them to live in a dorm or even leave home for college?
8. How can you impress the importance of a college education when the college culture revolves around beer bongs, frat parties, and binge drinking?
9. Knowing that drinking causes negative consequences, how can you teach your teen to make the right choices before they are on their own and being influenced by their peers?
10. Is the value of a college education devalued because of the college drinking culture?

Head over to This American Life where you can stream the broadcast for free or download it for $.99. The interviews cover conversations with Penn State students, people in the surrounding neighborhood, officers, and establishments in the area. You will hear students talk about their drinking escapades and girls talking about the behavior drinking induces. You will listen to guys talk about inducing a drunken state in the hopes of getting the girl into bed.

It’s eye-opening and a bit disturbing. But, as a parent, you need to know about the culture so you can help prepare your teen. You should talk about drinking and prepare them for the inevitable onslaught of peer pressure to drink. If your teen is headed off to college in the fall, listen to this podcast with them and use it to open the discussion.

When my daughter was in college, she was inundated with credit card offers: in the mail, on campus, and via telephone. During freshman orientation, they signed her up for a local checking account and accompanying credit card on the spot. I have to say, at the time it was convenient and easy. But looking back, that one credit card led to debt and made it easier to sign up for more. After graduating from college, she had accumulated some hefty credit card balances due to the convenience of using those cards.

University Parent Media, seeing the need for smart spending alternatives to credit cards, has partnered with StorValue and created a program for college students that offers two amazing benefits: controlled spending and cash back rewards. Campus Dough, a low-fee, reward-filled prepaid debit card, provides unmatched benefits for students and their families. Campus Dough gives collegians shopping, restaurant discounts and a new way to manage money through virtual banking and online tools. Parents can use Campus Dough to help ensure security and responsible spending.

Here are some appealing benefits for both parents and college-bound teens:

1. They can arrange for direct deposit to their card from their jobs on campus; eliminating check cashing fees and wait time.
2. They can personalize their card with their favorite image or photo.
3. Campus Dough allows them to manage their account, transfer funds and pay bills on their smart phones.
4. They earn a percentage of each transaction with cash back rewards; and if they follow Campus Dough on Facebook or Twitter, they can take advantage of special offers.
5. They may find they no longer need a checking account after using this card, eliminating high bank fees.
6. Their colleges also earn rewards.
7. Parents can transfer funds to the card by linking to their checking accounts.
8. This is an effective method to control spending.

According to Campus Dough, “the more dough you spend, the more dough you earn, AND the more dough you SAVE!”

Take some time today to visit their website and watch the video presentations on how the card works.  Once you do, I’m sure you’ll see the benefits of this card and sign up for one today. It’s the smart way to help your college-bound teen learn about budgeting, spending and the benefits of graduating with good credit and minimal debt.