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Financial Aid Newsletter November 2009 Worthy Notes 2010-11 Foundation Scholarship Application is available now! Priority deadline is December 15 The 2010-2011 Foundation Scholarship Application is now available for returning students at: http://Dickinson.imodules.com/scholarship_app Please apply for these scholarships by the priority deadline of Dec. 15, 2009. Staff Senate Scholarship Deadline: December 15 Be a dependent of a benefited staff member (this does not include faculty members) * Maintain a minimum cumulative GPA of 2.5 * Must be enrolled as a full-time student at DSU * Show good moral character Contact the DSU Foundation office at 483-2004 with any questions. 40 Money Management Tips Every College Student Should Know Article from NEFE (National Endowment for Financial Education) 1. “Take charge of your life – and your money 2. Know the ground rules 3. Get organized 4. Protect your personal information 5. Find the best deal for your checking account 6. Don’t bounce checks 7. Understand your financial aid 8. Keep looking for financial aid 9. Watch out for scholarship scams 10. Use loans as a last resort 11. Understand your student loan obligation 12. Submit a new FAFSA every year 13. Talk to a financial aid officer if your situation changes 14. Make school your first job 15. Look for a job on campus 16. Turn a hobby or a skill into a money-making endeavor 17. Take time now to prepare for your career

Vol. 4, Issue 4 18. Choose the meal plan that works for you 19. Save on snacks 20. Use the dorm or campus computers instead of buying your own 21. Talk to your roommates about money issues 22. Compare the cost of an apartment with the cost of a dorm room 23. Pay the rent on time 24. Set ground rules regarding money 25. Resist peer pressure 26. Separate needs from wants 27. Take advantage of student discounts 28. Don’t let car expenses drive you crazy 29. Keep track of your student account 30. Plug everyday spending leaks 31. Create a budget and stick to it 32. Build good credit 33. Avoid credit-card pushers 34. Take control of your credit card 35. Learn the power of compounding 36. Get help if you get into debt trouble 37. Get into the savings habit 38. Pay yourself first 39. Learn about your options for saving and investing money 40. Net worth is not the same as self-worth.” (Use CTRL + click to follow each link) NASFAA Today’s News Monday, November 9 Operational Implementation of Increased Title IV Student Assistance to Children of Certain Deceased Members of the U.S. Military “This announcement provides background information and operational guidance on the statutory provisions for increased Title IV student financial assistance for a student whose parent or guardian died as a result of military service in Iraq or Afghanistan after Sept. 11, 2001. Under new provisions added to the HEA by the HEOA, an otherwise eligible student whose parent or guardian died as a result of U.S. military service in Iraq or Afghanistan after Sept. 11, 2001, may receive increased amounts of Title IV student financial assistance under certain conditions.”

This newsletter will be sent out in a timely fashion when important reminders and information are released. This newsletter will be sent to faculty and staff, current students and parents – if an e-mail address is provided. Send e-mail address to: kathy.l.lowe@dickinsonstate.edu or call the Dickinson State University Office of Financial Aid at (701) 483-2371.


Financial Aid Newsletter November 2009 NASFAA Today’s News Friday, November 6 New Research Web Site, Report on Foster Youth “The Institute for College Access & Success has launched a new web site for higher education data and research, College InSight. The site provides user-friendly profiles with detailed information for almost 5,000 U.S. colleges and universities. It lets users compare individual colleges, types of institutions, states and more, with over 150 variables for most academic years since 2000-01. It has also released a new study, Hopes & Hurdles: California Foster Youth and College Financial Aid.”

NASFAA Today’s News Friday, October 30 A Financial Check-Up Long Before Tuition Bills Begin (Wall Street Journal) "Here are some moves families can make during the next few months to boost savings in the right accounts and ease the financial-aid process," Wall Street Journal reports. "First, schedule a basic financial check-up. Tally your income, expenses and savings, and identify where you can cut back—delay vacations or home renovations, for example. (One thing that's off-limits: retirement fund contributions.) Financial aid insiders recommend that parents do the math with their children, to keep everyone's expectations in check. 'It's important for parents to have realistic discussions about what they can afford,' says Justin Draeger of the National Association of Student Financial Aid Administrators. This way, kids won't fixate on out-of-reach and out-of-budget schools."

NASFAA Today’s News Friday, October 30 GAO Issues Results of Study on Simplifying the Free Application for Federal Student Aid “The General Accountability Office (GAO) has completed a study and report to Congress on student aid simplification that was mandated by the Higher Education Opportunity Act. The report, Highlights of a Study Group on Simplifying the Free Application for Federal Student Aid, was based on results of a process that GAO was engaged in from November 2008 to October 2009. During that time, the GAO convened an expert panel and conducted interviews with higher ed agencies and associations, including NASFAA, to examine options for simplifying student aid.”

Vol. 4, Issue 4 NASFAA Today’s News Tuesday, October 27 Stimulus Bill Offers Tax Credit for College Tuition, Textbooks, Fees (USA Today) "As you grapple with rising costs, make sure you don't overlook a valuable new tax break. The American Opportunity Credit, part of the economic stimulus bill enacted this year, provides a tax credit of up to $2,500 to offset the cost of tuition, fees and textbooks," USA Today reports. "Tax credits for college aren't new: the Hope and Lifetime Learning Credits have been around since the Clinton administration. But the American Opportunity Credit, which is available only for 2009 and 2010, will provide a bigger tax break for many families."

NASFAA Today’s News Monday, October 19 Possible Scenarios, Outcomes and Dates for Student Aid Legislation “The time it will take Congress to pass student aid legislation will depend on the fate of health care reform legislation. Democrat leaders are waiting to see what the outcome of the health care debate will be to determine how the student aid package will be moved through Congress. This article outlines the possible scenarios and steps Congress will take to pass the student aid legislation.”

NASFAA Today’s News Friday, October 16 U.S. Army Scholarship Eases Student Loan Burdens for Health Care Professionals (Reuters) "The United States Army Medical Department helps students finance their graduate medical, dental or veterinary degrees, as well as select nursing and other specialties through its F. Edward Hebert Armed Forces Health Professions Scholarship Program (HPSP)," Reuters reports. "HPSP provides students with the full cost of tuition, school fees and books, as well as a stipend of $1,992 per month through the school year. In addition, HPSP recipients in the Medical Corps and Dental Corps are eligible for a one-time $20,000 (less tax) bonus if awarded the scholarship. Upon graduation and entry onto active duty, [recipients] receive increases in salary and new opportunities for a broad range of residencies, fellowships and special pay incentives."

This newsletter will be sent out in a timely fashion when important reminders and information are released. This newsletter will be sent to faculty and staff, current students and parents – if an e-mail address is provided. Send e-mail address to: kathy.l.lowe@dickinsonstate.edu or call the Dickinson State University Office of Financial Aid at (701) 483-2371.


Financial Aid Newsletter November 2009 Fall Semester Dates to Remember: Nov. 9-30 Pre-Registration Returning Students Nov. 11 Veteran’s Day Holiday Nov. 13 Last Day to Drop a Class Nov. 26-27 Thanksgiving Holiday- no classes Dec. 1-4 Pre-Registration New Students Dec. 11 Last Day of Regular Classes Dec. 14-18 Semester (Final) Exams Dec. 18 Semester Ends External Scholarships Available The Office of Financial Aid will inform you of any external scholarships as they become available. The following external scholarships are available now; therefore, if you need an application or more Information, please stop in Room 209 May Hall between the hours of 7:45 a.m. – 4:30 p.m. Notice the deadline dates for the individual scholarships. Check out the “Scholarship Bulletin Board” located by the stairs for the Office of Financial Aid, Room 209 May Hall. External scholarships and the previous newsletters have been added to the DSU website: www.dsu.nodak.edu/financial_newsletter.asp & www.dickinsonstate.com/pdf/finaid/ExternalSchola rships.pdf Saving Our Cents or IDAs (Individual Development Accounts) Program Requirements: * IDAs are special savings accounts designed to help families and individuals of modest means establish a pattern of regular saving and, ultimately, purchase a “productive asset” * Resident in the Region VIII Community Action service area; this region includes the counties of Dunn, Billings, Golden Valley, Stark, Slope, Hettinger, Bowman, and Adams * Total household income that does not exceed 200% of poverty as published by the Department of Health and Human Services annually For more information, please contact: Amy Beck, IDA Case Worker

Vol. 4, Issue 4 Community Action Partnership 202 East Villard Dickinson, ND 58601 (701) 227-0131 St. Vincent Healthcare Career Scholarship (Nelles Nurse Scholarship) Deadline: November 15 for spring term Applicants for this scholarship must be from one of the following counties: Yellowstone, Big Horn, Fergus, Golden Valley, Mussel Shell, Wheatland, Petroleum, Judith Basin, Sweet Grass, Stillwater, Custer and Carbon. A minimum GPA of 3.0 is required and be in at least second semester of sophomore year of a baccalaureate or master’s in a nursing program. If chosen, employment at St. Vincent’s is offered for a designated time period in Billings, Mont. For more information contact the Nurse Recruiter at: 800-237-9008 or applications are available at: www.svfoundation.org Fine Art Finals Midwest Regional Scholarship Competition Deadline: November 20 Award Amount: $1200 (1st), $600 (2nd place), $300 (3rd), 2 honorable mentions at $50 each An associate or bachelors degree student enrolled at a Midwest Regional public or private college or university. No matter what major, if you paint, illustrate, sculpt, design, draw, photograph, or just create art, you are eligible to compete. Finalists and winners will be selected based on quality, originality, and the creativity of their work, website: www.fineARTfinals.com Raise the Nation Scholarship for Continuing Education Deadline: December 1 This scholarship is available to single parent women who would like to go to school or continue with their education, but have been denied sufficient resources. The committee recognizes single parent women who want to raise their standard of living and that of their children by continuing education and advancing their careers. For more information

This newsletter will be sent out in a timely fashion when important reminders and information are released. This newsletter will be sent to faculty and staff, current students and parents – if an e-mail address is provided. Send e-mail address to: kathy.l.lowe@dickinsonstate.edu or call the Dickinson State University Office of Financial Aid at (701) 483-2371.


Financial Aid Newsletter November 2009

Vol. 4, Issue 4

Contact: Raise the Nation, PO Box 8058, Albuquerque, NM 87198, or call (866) 616-1655.

Questions: call 800-349-6951, email: melkruck@ndrw.org, or website: www.ndrw.org

P.E.O. International Peace Scholarship Fund Deadline: December 15 This scholarship is awarded to women from other countries to study in the U.S. or Canada. You must be admitted to a full-time graduate degree program, plan to return to your native country, be free of financial obligations, and have a U.S. sponsor who will act as a non-academic advisor. Visit: www.peointernational.org/about/ips-fact-sheet.pdf

Talbots Women’s Scholarship Fund Deadline: January 2 Award Amount: Will award $180,000 for the 2010 academic year Deadline: January 2 or first 5,000 applicants processed Requirements: * Be women currently residing in the U.S. or Canada * Be women who have earned a high school diploma or GED before Sept. 2000 * Be enrolled or planning to enroll in a full- or parttime undergraduate course of study * Have at least two semesters (24 credit hours or more) remaining to complete an undergraduate degree. Applications available at: www.scholarshipamerica.org/talbotswomen

Central Dakota Human Resource Association (CDHRA) Scholarship Award Deadline: December 31 • Award Amount: $500 (2) • Must be at least a second semester sophomore enrolled in a business program at a college in the local area • Must have a GPA of 2.5 or higher • Provide a copy of your transcript • Website: http://www.cdhra.com/scholarship.htm

The Foundation of the National Student Nurses’ Association Inc. Deadline: January 11 Award Amount: $1,000 - 5,000 Requirements: * Current enrollment and matriculation in a state approved nursing program leading to an associate degree, baccalaureate, diploma, generic doctorate or generic master’s degree, or enrolled in a RN to BSN, RN to MSN, or LPN/LVN to RN program. Download application at: www.nsna.org (click on the foundation/scholarships link) or send a .75 self addressed stamped envelope to: Foundation of the National Student Nurses Assoc. 45 Main Street Suite 606 Brooklyn, NY 11201 Any questions call: 718-210-0705

North Dakota Rural Water Systems Association (NDRWSA) Deadline: December 31 Award Amount: $500 awarded spring semester * Applicant receives water from a member rural water system or is the dependent of someone who receives their water from a member rural water system * Submit an official application form * Submit transcript of past two years of high school education and/or college education * Include paragraph summarizing career goals * List extracurricular activities * Submit a brief essay on “How rural water has improved your quality of life” Gates Millennium Scholars Program Submit completed application to: Deadline: January 12 Melody Kruckenberg, CEO Award Amount: Varies North Dakota Rural Water Systems Association 2718 Gateway Ave. Suite 201 Bismarck, ND 58503-0585 This newsletter will be sent out in a timely fashion when important reminders and information are released. This newsletter will be sent to faculty and staff, current students and parents – if an e-mail address is provided. Send e-mail address to: kathy.l.lowe@dickinsonstate.edu or call the Dickinson State University Office of Financial Aid at (701) 483-2371.


Financial Aid Newsletter November 2009 * Funded by Bill and Melinda Gates Foundation, it offers scholarships to students of diverse backgrounds * See website at www.gmsp.org Contact: Toll free: 800-944-9627 Mensa Foundation Scholarship Program Deadline: January 15 Award Amount: $300- $1,000 Requirements: * Applicant must be intending to enroll in an accredited U.S. institution For information: www.mensafoundation.org click on the scholarship link

Vol. 4, Issue 4 allowance. The grant provides $2000 annually to be used in the following year in a way that benefits her professional development. Women college seniors may apply who will be pursuing Ph.D. degrees in chemical engineering, chemistry, communications science, computer science/engineering, electrical engineering, information science, materials science, mathematics, mechanical engineering, operations research, physics, or statistics. AT&T Labs Fellowship Administrator Room C103 180 Park Ave. Florham Park, NJ 07832-0971 www.research.att.com/academic/alfp.html

Microsoft – Various Scholarships Deadline: January 15 * Must be pursuing an undergraduate degree in computer science, computer engineering, or a related technical discipline, such as math or physics, with an interest in computer science * Must have a minimum GPA of 3.0 Microsoft Scholarship Program Microsoft Corporation One Microsoft Way Redmond, VA 98052 www.microsoft.com/college/scholarships scholars@microsoft.com Lilly Reintegration Scholarship Applications Deadline: January 19 * To help students with schizophrenia, related schizophrenia-spectrum disorders or bipolar disorder acquire educational skills and help them realize their full potential Applications can be downloaded at: www.reintegration.com or call 800-809-8202 to request a hard copy AT&T Bell Laboratories Graduate Research for Women Deadline: January 31 * This fellowship provides an annual living stipend of $23,800, tuition and fees, and textbook This newsletter will be sent out in a timely fashion when important reminders and information are released. This newsletter will be sent to faculty and staff, current students and parents – if an e-mail address is provided. Send e-mail address to: kathy.l.lowe@dickinsonstate.edu or call the Dickinson State University Office of Financial Aid at (701) 483-2371.


http://www.dickinsonstate.edu/pdf/finaid/Nov09Newsletter