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Summer reading offers Kentucky families chance to win $1,000 for college Kentucky families have a chance to win a $1,000 college savings account through the “Read. Save for College. Change the World� summer reading program. The program is cosponsored by the Kentucky Education Savings Plan Trust and the Kentucky Department for Libraries and Archives.

IN THIS ISSUE 2 - Prevent summer slide 2 - Private loans bridge gap 3 - Be wary of student loan repayment companies 3 - Good essay may mean more financial aid 4 - Dealing with homesickness 4 - Getting seniors to campus 5 - Enter audio-essay contest 5 - Scholarship spotlight 6 - College freshman checklist 6 - ACT/SAT test dates

Kentucky parents, grandparents and guardians who are at least 18 years old may enter on behalf of their child 18 or younger who has enrolled in a Kentucky public library summer reading program. Eight winners will be selected, one per library region. To enter, sign up for summer reading at your local library and complete a Save for College! entry form, available from your local library. Children may enter only once. The deadline to enter is August 18. Visit for official rules and prize details.

For help with your higher education and financial aid questions, visit

2 Have students read to prevent summer slide Summer means fun for most students. For parents, though, it can mean fighting the summer slide — the decrease in reading ability that all too many students experience each summer. These tips from the Florida Education Association can help students maintain or improve their reading skills during the summer break: Make it a goal to read four to six books this summer. Pick books that aren’t too easy or too difficult. A staff member at the local library should be able to help you find appropriate books for your student. Read something every day. It doesn’t have to be a book — a newspaper, informative websites, magazines, even recipes that you and your student turn into good eating. Take advantage of local resources. Some schools have summer reading programs that bring books to neighborhoods so all families don’t have to make trips to school. Read to your child. This shows that you think reading is important, and children like to do that same things their parents do. features a Fun Stuff and Homework Help section that has links to such sites as the Smithsonian Institution, NASA and the Kentucky Department of Fish and Wildlife Resources.

Private loans bridge gap between college costs, other student aid Most college-bound students qualify for financial aid to help pay for their education, such as federal and state grants and scholarships. In addition, local scholarships are often available. Students can also borrow Federal Direct Loans to help pay college costs. But these programs may not cover all the costs of college. When that happens, many people turn to private student loans, such as Advantage Education Loans. Since interest rates on private loans largely depend on the borrower’s credit rating, some students may have to pay higher rates than they would on federal student loans. In addition, many lenders require students to have a cosigner, and some require the college to certify that the student needs the loan. Students and parents are encouraged to do research before committing to any loan. They should compare the loans offered by various lenders to find the best possible deal.

Good essay may mean more financial aid for college Some colleges, especially private schools, require an essay as part of their admissions process for college freshmen. That essay may also help when it comes to paying for college.

Be wary of student loan repayment companies If you owe money on federal student loans, you should be wary of sales pitches from companies offering to help borrowers lower their payments. Such companies charge fees — sometimes high fees — for filling out forms that you can do for free. Many will want to charge monthly fees for monitoring your loans. Again, you can do that for free. The best place to start is the servicer that the U.S. Department of Education has assigned your loan to. Your servicer can tell you what your options are and can help you with the forms you need. If you need help finding your servicer, you can go to and retrieve your loan information. You can also go directly to and click on the link titled “Student loans.” Under that link you’ll find links to detailed information about all of your options.

Generally, the more exclusive the college, the more important the essay may be in admissions and financial aid decisions. Essays let schools learn more about students than just what the application shows. That gives writers a chance to set themselves apart. Students should put time and effort into an admissions essay. Colleges want students who can express themselves clearly, using proper spelling, grammar and punctuation. It may take several drafts to get it right, but the essay needs to be well written and free of errors. Students should have a teacher, school counselor or parent review the essay before submitting it to the college. The better the essay, the better a student’s chance of being accepted at a top school.



How to make sure seniors make it to campus this fall About one third of all students who leave high school with plans to attend college never arrive at any college campus that fall because they overlook the letters and emails colleges send over the summer.

How to deal with homesickness Some college freshmen have to deal with homesickness, especially if it’s the first time they’ve been away from home for an extended period of time. That can be a difficult adjustment. Here are some ways to help students deal with being homesick: • Be active and make friends on campus. That gives students less time to be homesick and helps them build a support system at school. • Keep in touch with friends and family at home by text or phone. • Go home for an occasional weekend. But they shouldn’t overdo it. If they go home too often, it might make their homesickness worse. • Express their feelings. Putting their emotions into a journal, poem or song can help students deal with those emotions. • Talk with their resident advisor if they’re living in on-campus housing. RAs are trained to deal with those issues. • See their academic advisor once in a while to talk about things other than classes. Most advisors will welcome the chance to chat informally.

Key steps that can be taken to make sure seniors are on campus come fall include: • Text them reminders over the summer. School counselors can still support their students after graduation by texting them. Weekly reminders to check their email, complete their financial aid forms and register for classes can go a long way to keep students on track. Texting programs can make it easy for counselors to reach large numbers of students quickly, so this really doesn’t take away from their summer vacations—and it can make a big difference. • Continue those weekly meetings. Parents should meet weekly with their senior for 20 minutes to discuss their college plans. If doubts arise over what should be done, they can call the college and discover the next steps to take. • Head to campus. Sometimes students doubt if they’ll be successful at college or if they’ve made the right choice. There’s no better way to lose those doubts than to visit the school, meet their adviser, try out the food and buy some bookstore swag. This is a perfect way for family members or friends to bond with the student, reminding them of the ties that don’t change, even if life does. Source: U.S. Department of Education Blog

Scholarship Spotlight Kentucky Association of Government Communicators Scholarship Eligibility: Must be a senior at a public high school the year the award is made, plan to study communications or journalism at any postsecondary school and apply online at

Students can enter audio-essay contest

Award: $500; nonrenewable Number: 1 Deadline: September 10 Contact: with “Question” in the subject line

Students enrolled in a public, private or parochial schools in grades 9–12 can enter the Veterans of Foreign Wars Voice of Democracy audio-essay contest. The contest gives high school students an opportunity to express themselves in a patriotic-themed recorded essay. The national first-place winner receives a $30,000 scholarship paid directly to the recipient’s U.S. university, college or vocational/technical school. In addition, the first-place winner from each state will receive a scholarship worth at least $1,000 and an allexpense-paid trip to Washington, D.C.

Student Poll:

The 2018–2019 theme is: Why my vote matters. Entries must be submitted by October 31.

We want to hear from you! We will feature the results in July’s newsletter.

Students can read the rules and eligibility requirements and download the entry form and brochure before they submit their entry at their local VFW Post.

Click the button or scan QR with phone.

What would you like to see more of in your KHEAA College Connection newsletters?

Take the poll!


6 What type of college are you interested in attending?

67% Public 4-year college 33% Private college

May Poll Results ACT National Test Dates Test Date

Registration Deadline

ACT Scores Available

September 8, 2018

August 10, 2018

September 18, 2018

October 27, 2018

September 28, 2018

November 6, 2018

December 8, 2018

November 2, 2018

December 18, 2018

February 9, 2019

January 11, 2019

February 19, 2019

April 13, 2019

March 8, 2019

April 23, 2019

June 8, 2019

May 3, 2019

June 18, 2019

July 13, 2019

June 14, 2019

July 23, 2019

SAT National Test Dates Test Date

Registration Deadline

SAT Scores Available

August 25, 2018

July 27, 2018

September 7, 2018

October 6, 2018

September 7, 2018

October 19, 2018

November 3, 2018

October 5, 2018

November 16, 2018

December 1, 2018

November 2, 2018

December 14, 2018

March 9, 2019

February 8, 2019

March 22, 2019

May 4, 2019

April 5, 2019

May 17, 2019

June 1,, 2019

May 3, 2019

July 10, 2019

College checklist for your freshman year This year’s high school graduates can use the summer to prepare for a smooth transition to college. …… Attend freshman orientation. …… Get to know your roommate over the summer. Texting or a social media site is a great way to get started. Put your heads together and come up with a list of what you will take to college so you don’t duplicate. …… Work out a budget and come up with the best way to pay for the things you’re going to need. You’ll need your parents’ input on this one. …… Make sure you have all your personal care items before you leave for school. …… Have a plan for keeping in touch with your family. …… If you didn’t attend orientation or haven’t taken the time to become familiar with the campus, make sure you take the time prior to the beginning of classes to familiarize yourself with where your classes will be held each day.

GET THE HOME STATE ADVANTAGE ! When you’re heading to college and need additional money to pay expenses, we can help! The Advantage Education Loan for students and parents is Kentucky’s only state-based loan. With fixed interest rates starting as low as 3.80% with auto pay (4.01% APR*) and NO FEES, the Advantage Education Loan can help take your mind off of money so you can focus on your future.

*The 4.01% APR is based on a borrower with excellent credit, with a $10,000 loan using auto pay on the Immediate Full Repayment plan and a 10-year term.

June 2018 ykcc  
June 2018 ykcc