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Speaker 1: Are you saying it was the off field play that
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Speaker 4: Well, jump right into it.
Speaker 5: So you guys are college professors, right, and you know,
Speaker 5: college is something that is very It's a hot topic
Speaker 5: and it's something that triggers a lot of emotions in people,
Speaker 5: especially nowadays. It's like anytime we put a post on
Speaker 5: Instagram about college, we get a thousand comments and people saying,
Speaker 5: I guess a scam, don't wast your money, and other
Speaker 5: people saying all kinds of stuff. Right, So I'm just
Speaker 5: going to jump right, I'll just jump right into it.
Speaker 5: Is college still necessary to be successful or was it
Speaker 5: really ever necessary? But in today's society, is college still necessary?
Speaker 4: Still needed?
Speaker 6: I mean I think that college, I mean it's not needed,
Speaker 6: it's I mean, it's something that you can do, It's
Speaker 6: something that's possible.
Speaker 7: I think should be an option, right.
Speaker 6: I don't think it should be forced upon that people
Speaker 6: have to go to college. I know, I will say
Speaker 6: there's other ways of being successful and going to certain
Speaker 6: fields that college is not needed as much as it
Speaker 6: was five years ago. But some things you do need,
Speaker 6: like if you want to be a lawyer or a doctor,
Speaker 6: or you're in a stem fields like college can be
Speaker 6: very productive. But then there's some other majors where honestly
Speaker 6: you can you can learn on YouTube, or you can
Speaker 6: learn about reading books, or you can learn.
Speaker 7: About just doing so.
Speaker 6: I don't think it has to be a necessary thing
Speaker 6: to go to college, but I do think it should
Speaker 6: still be an option.
Speaker 4: Yeah.
Speaker 8: I think also one of the biggest things about college
Speaker 8: are the networks and the relationships that are made. So
Speaker 8: it's very far and few in between that you get
Speaker 8: to sit in a room with doctor, a future lawyer,
Speaker 8: a future dentist, a future teacher and have conversations that
Speaker 8: are not about your fields of study, and because we
Speaker 8: all know that once we get into our you know,
Speaker 8: our real.
Speaker 3: Lives after college, it starts.
Speaker 8: To become a little bit closer in the bubble where
Speaker 8: you're just dealing with people who are who have similar interests.
Speaker 8: So college for that particular space, there's not many other
Speaker 8: places that create that type of environment. And academically there
Speaker 8: are some fields that do still need it. But you know,
Speaker 8: I think that these institutions, a lot of them are
Speaker 8: just not created for the benefit of the students. I mean,
Speaker 8: there are a number of colleges and universities that are
Speaker 8: doing that work, but I think there are a lot
Speaker 8: that are scamming people, and I think there are a
Speaker 8: lot that are not doing the work.
Speaker 9: It used to be looked at as a badge into middle.
Speaker 2: Class life, but you had to have that piece of
Speaker 2: paper if you wanted to get a good job, get
Speaker 2: a house. Like that's going away with Like what then
Speaker 2: he was just saying, it's like some things we're just
Speaker 2: going to learn on the fly.
Speaker 9: Like we say this all the time.
Speaker 2: We have no training in broadcasting, but we're doing a
Speaker 2: podcasts right Like we're learning these things as we go
Speaker 2: on I think, like, yes, there.
Speaker 10: Are options that you can do outside of going to.
Speaker 2: School, but if they're on careers like lawyers and doctors,
Speaker 2: like you said, then it's mandatory. Man, I'm a college guy, right,
Speaker 2: Like we had to do it in education, but like
Speaker 2: I said before, like I feel like we could. I
Speaker 2: could have done it out of high school had given
Speaker 2: the proper training rather than seven years of dedication to
Speaker 2: that career.
Speaker 9: You know what I mean, right.
Speaker 5: I think what college does is we live in a
Speaker 5: society where image is very important, right, So what college
Speaker 5: does is that it gives you a badge to say, Okay,
Speaker 5: I have a certain level of success already built in
Speaker 5: because I've completed my degree. So now I can at
Speaker 5: least speak to you on an intelligent level when I
Speaker 5: can be taken seriously, which not is not always the case, right,
Speaker 5: because there's plenty of people that graduated from what Kanye
Speaker 5: speakle what Kanye said, people graduate from college who be
Speaker 5: still stupid.
Speaker 4: That's all the time, every year.
Speaker 5: And then you got some people who never went to
Speaker 5: college who are brilliant or never finished college that are brilliant.
Speaker 5: So my personal opinion, you know, and it is that
Speaker 5: I think that college is beneficial. It can be beneficial
Speaker 5: from the social standpoint, specifically from a social standpoint and
Speaker 5: growing as an adult, right because especially if you go
Speaker 5: away to college, that's probably your first opportunity living on
Speaker 5: your own, and you mature, you develop a certain relationships,
Speaker 5: you meet people. That part you really can't get just
Speaker 5: going out of high school. In the real world, you can,
Speaker 5: but it's a lot more difficult. You're not in an
Speaker 5: incubator where you're just around a thousand people and you
Speaker 5: can just develop those type of relationships. It's not easy
Speaker 5: to do that and just real world life. But I
Speaker 5: feel that a lot of times people are misguided right
Speaker 5: when they go to college. So this is my next question.
Speaker 5: As far as you know, one of the biggest things
Speaker 5: for college for me is majors. Right, So you guys
Speaker 5: are on the inside, and I see I saw that
Speaker 5: even when I was in school. Anybody that doesn't know
Speaker 5: I have a communications degree, I don't have a business degree.
Speaker 5: So but when I went to school, they told me like, look,
Speaker 5: just get a degree.
Speaker 4: It doesn't matter.
Speaker 5: If you're not trying to be a doctor or a
Speaker 5: rocket scientist, it doesn't matter. And it honestly didn't because
Speaker 5: when I graduated, I'm a financial Advisorble when I graduated,
Speaker 5: in order to do what I had to do, I
Speaker 5: had to pass like three different tests, so I had
Speaker 5: to study for like nine months. So it doesn't matter
Speaker 5: if I would have got a business degree or not,
Speaker 5: I still would have had to study. So it's kind
Speaker 5: of like I went to college. After I went to
Speaker 5: college anyway, and now I have my licenses so I
Speaker 5: can do whatever I want to do. So but I
Speaker 5: could have had an art degree. I could have had
Speaker 5: any kind of degree, right, So how important is it
Speaker 5: to pick the right major and how do you determine
Speaker 5: what is the right major?
Speaker 6: So this is for parents and people got in students
Speaker 6: for college. So before I was a professor, I shtued
Speaker 6: to work in a mission. So the most important part
Speaker 6: when talking to parents or talking to students is when
Speaker 6: you're choosing a school, especially when it comes to majors.
Speaker 6: Your major should be a top five major within that school.
Speaker 6: What I mean by that is top five with enrollment
Speaker 6: and also they have placement for companies that deal exactly
Speaker 6: what your major. And if you're not I those like
Speaker 6: top five areas for your major, what can happen honestly
Speaker 6: is you can be two years in at the school
Speaker 6: and if it's not enough students enrolled in that program,
Speaker 6: your program get dropped and now you're still at that college.
Speaker 6: So it's very important as we guide our students telling
Speaker 6: me to go to college, Yeah, that's great, but please
Speaker 6: make sure whatever field you're trying to go into is
Speaker 6: one a popular major within the school. Two has the
Speaker 6: partnerships outside of the school with the different companies. And then, last,
Speaker 6: but not least, is the mentality of knowing where the
Speaker 6: United States or where your country, where you're living at,
Speaker 6: is going to be the next five years as far
Speaker 6: as the job market and careers and what's going to
Speaker 6: be in demand. Not i A would say this my
Speaker 6: mentality of not five minutes from now, start taking five
Speaker 6: years from now right. So when you're making that decision,
Speaker 6: what does a communications degree look like five years from
Speaker 6: now right? What does that feel looks like, look like?
Speaker 6: Is even going to be around photography? Is that's something
Speaker 6: that you really have to go to school for when
Speaker 6: you can potentially learn that, you know? So that's that's
Speaker 6: kind of the key when picking your majors is making
Speaker 6: sure that the school provides the resources but can also
Speaker 6: place you at the job.
Speaker 7: But it also is a demand. Butin the next few years, I.
Speaker 9: Couldn't agree more.
Speaker 2: Man Like a lot of times, especially in our community,
Speaker 2: when our kids think about college, the first thing they
Speaker 2: think about is the athletics, right, Like I want to
Speaker 2: go to do or I want to go in North Carolina.
Speaker 2: I want to go to Yukon, right, And when you
Speaker 2: get there, if you're not there on athletics, it's like, well,
Speaker 2: I want to study communications. Well that's not one of
Speaker 2: those majors that is one of the best things at
Speaker 2: that school, So like you should be looking past just
Speaker 2: like yo, I'm alumni and I go to that school
Speaker 2: for the sports, right if it means it doesn't mean
Speaker 2: as much when you come out of Yukon with the
Speaker 2: communication gree.
Speaker 4: I have a communication degree. You know what I'm saying.
Speaker 3: But I want to go back to what you said.
Speaker 10: I don't go back to what you said because you
Speaker 10: said that.
Speaker 2: It doesn't matter, and in my head, I'm like, yeah,
Speaker 2: it doesn't matter if you're on an athletic scholarship. If
Speaker 2: it matters to a guy like me who was like,
Speaker 2: I'm studying physical therapy and I don't want to be
Speaker 2: a physical therapist, right, and I've paid thirty thousand dollars
Speaker 2: for four years. It's like this matters a lot, right,
Speaker 2: Like now what do I do? Do I have to
Speaker 2: continue going when I don't want to do this? Or
Speaker 2: do I have to figure out what can I do?
Speaker 2: Like that, I kind of fell into that thing. It
Speaker 2: was like the school I was at it was greatus
Speaker 2: physical therapy. I couldn't pass the science classes. I'm like, yo,
Speaker 2: I'm not going to be a physical therapist. I got
Speaker 2: to figure out what I can get and gratefully, I
Speaker 2: was able to go to school with a health.
Speaker 10: Science degree and I was like, all right, well what
Speaker 10: does that even mean?
Speaker 7: You know what I'm saying.
Speaker 9: So I have to start figuring out, like and what's
Speaker 9: gonna happen.
Speaker 6: We talk about this all the time, and Jeff in
Speaker 6: particular use this analogy of you know, and everything else
Speaker 6: you buy something, you challenge to make sure that the
Speaker 6: service that they're providing is correct, right, And I feel
Speaker 6: like people are not challenging some of these schools when
Speaker 6: they're paying all this money. You know you're paying and
Speaker 6: maybe because you're not physically using cash and handing over
Speaker 6: fifty thousand dollars.
Speaker 7: You're not seeing the money, so you maybe don't.
Speaker 6: Care as much as if you're going to a restaurant,
Speaker 6: like you know, Jeff always says about you know, if
Speaker 6: you order steak and they bring out chicken nuggets, are
Speaker 6: you gonna eat chicken nuggets?
Speaker 7: Or you're going to say, I ordered steak.
Speaker 6: And many times students are paying all this money for
Speaker 6: a school and then not providing the services that they're promised,
Speaker 6: and they're not challenging the school right or asking questions before.
Speaker 6: And I don't know, maybe it's because again you're not
Speaker 6: physically handing that money over and you think, I go,
Speaker 6: I'll just get a job and I paid off later.
Speaker 6: But I think it should really treat it like everything
Speaker 6: else you purchase them.
Speaker 2: That's a problem especially in our community, man, like we
Speaker 2: don't know how to advocate for the things we want.
Speaker 2: Like I've seen it over and over with parents not
Speaker 2: being able to advocate for the kids. But then the
Speaker 2: kids grow up and they don't how to advocate. So
Speaker 2: if they all being mistreated at school and the things
Speaker 2: that not being avided, it's.
Speaker 5: Like who do I how do you challenge the system?
Speaker 5: Because I mean, that's like going up against that.
Speaker 4: System. How do you challenge?
Speaker 7: So I don't want to even say like challenge the system.
Speaker 7: It's simple things.
Speaker 6: So, if there's like a college fair at your school,
Speaker 6: like every school, typically at high school, they bring in
Speaker 6: college representatives, you know, instead of asking questions, like students
Speaker 6: get these questions from guidance counselors and some people. I
Speaker 6: don't know where they get these questions from, like what's
Speaker 6: the percentage of student success at your school? Like that's
Speaker 6: not the question should be asking you. She'd be asking
Speaker 6: you know, look, I want to be an engineer. How
Speaker 6: can you how can this school help me become an engineer?
Speaker 6: How can this school help me become a bio mechanical engineer?
Speaker 7: Like whatever?
Speaker 6: How does how? What are the tools at your school
Speaker 6: to get me there? But also is this major a
Speaker 6: popular major at your school?
Speaker 7: Can I talk to.
Speaker 6: Somebody at the the institution, the career center and find
Speaker 6: out how many people you placed at a job in
Speaker 6: the last three to four years at some point? You know,
Speaker 6: like those type of questions need to be asked, and
Speaker 6: unfortunately we don't. We don't provide those resources, them tools enough,
Speaker 6: And that's why we create the platform that we create.
Speaker 6: That's part of the things that we deal with to
Speaker 6: let students know, like you do have a voice number
Speaker 6: one and number two to ask those type of questions
Speaker 6: before spending all of this money.
Speaker 4: Jef, I wanted to ask you a question. We spoke
Speaker 4: of CAM about the hitting curriculum.
Speaker 8: Yeah, so the idea, so it kind of goes into
Speaker 8: the aspect that the students don't know who to ask,
Speaker 8: so that there is that problem. I don't know where
Speaker 8: to go, and the institutions are not doing the job properly.
Speaker 8: A lot of institutions are not doing the job properly
Speaker 8: and creating a space for students to understand things like
Speaker 8: acronyms that students don't know. So I don't know what
Speaker 8: FASSO might stand for, and that's talking about financial aid.
Speaker 8: If you don't know what that means, then you're out
Speaker 8: of luck. If you don't know what the bursar office means,
Speaker 8: and these are the things that are just directly dealing
Speaker 8: with your money sounds so you.
Speaker 3: Don't know what these things are.
Speaker 8: So I think it's just essential for and this is
Speaker 8: where I think the big problem is is that there
Speaker 8: are institutions that are about creating careers.
Speaker 3: For people who want to be educators.
Speaker 8: So they want to go up the ladder and become
Speaker 8: vice presidents and become deans and become provosts and presidents
Speaker 8: of institutions without caring about the students. So then they
Speaker 8: create these platforms and they create these spaces where the
Speaker 8: students cannot succeed.
Speaker 3: So I'm not going to sugarcoat it.
Speaker 8: There are academic institutions that are out there primarily just
Speaker 8: to build careers and primarily just to make money. The
Speaker 8: proper institutions that are doing the work are the ones
Speaker 8: that say we are going to make sure that you
Speaker 8: know who to speak to. And with the hidden curriculums,
Speaker 8: that just means that there are things that are being
Speaker 8: hidden in regular nomenclature. So it's saying we know what
Speaker 8: it is, but a seventeen year old does not know
Speaker 8: what that is, and we expect them to know what
Speaker 8: it is then succeed in that space and then excel
Speaker 8: beyond that, and then by the time they hit to
Speaker 8: year two or three, we see the retention level drops
Speaker 8: because the student doesn't know what the term retention even means.
Speaker 8: So we're saying we want to keep you here, but
Speaker 8: are we even doing the work that needs to be done.
Speaker 8: So ultimately, at the end of the day, that's where
Speaker 8: we have to start to do more work, is saying
Speaker 8: what are the students getting and who do they need
Speaker 8: to speak to? So to really touch on the comments
Speaker 8: that we were just saying. One of the things that
Speaker 8: I can tell all people who are sending any of
Speaker 8: their students to college or are going back to school themselves,
Speaker 8: is that you have to really find particular individuals on
Speaker 8: your campus. I can't stress the I can't stress it
Speaker 8: enough that you have to get involved. So I means
Speaker 8: you have to find somebody who's already doing the work
Speaker 8: and make sure you align yourself with that. Find the
Speaker 8: Jeff or the Lenny on your campus and sit in
Speaker 8: their office introduce yourselves. Because what ends up happening is
Speaker 8: I'm the one that's going to put you in touch
Speaker 8: with this person, that person, this individual to help you
Speaker 8: succeed because doing it by yourself is literally impossible.
Speaker 5: Now we was talking off camera too, and it's difficult
Speaker 5: because I think my experience is a little JD because
Speaker 5: I was I played basketball, so when I went to school,
Speaker 5: I was on athletic scholarship, so anybody's not familiar athletes,
Speaker 5: it's different, especially at a Division one school. So when
Speaker 5: I got to campus, you know, we had our own
Speaker 5: study hall just for the athletes. We had our own
Speaker 5: advisor just for the athletes. Our books was free, and
Speaker 5: you know, they would stay on us like make sure,
Speaker 5: like what are you're doing? Like you just going to class?
Speaker 4: You know what I mean. It's like, so it's easier
Speaker 4: because it's more structured.
Speaker 5: But for somebody that's just going to college on their own,
Speaker 5: and especially if you're if you know, your parents didn't
Speaker 5: go to college, but you don't your first generation, it's
Speaker 5: a lot that goes into college that's different from high school.
Speaker 5: Like I remember the vali valedictorian of my school a
Speaker 5: couple of years ago that my high school that I
Speaker 5: went to. He's a lot younger than me, obviously, and
Speaker 5: I spoke to him. He's in Harvard, and I was
Speaker 5: asking him, like, how you doing at Harvard, And he's like,
Speaker 5: you know, I wasn't prepared. This is the valedictorian of
Speaker 5: the school. He's a smart kid, obviously, but he's like
Speaker 5: high school was just so easy for me, and I'm
Speaker 5: in Harvard and it's just way different. And he was like,
Speaker 5: you know, I never realized how much I wasn't prepared
Speaker 5: until I was in that position. And I think that
Speaker 5: that happens all the time. And like you say, a
Speaker 5: lot of times unfortunately, especially you know, you might have
Speaker 5: family issues, whatever, the kids just drop out because you know,
Speaker 5: you fall behind a couple of semesters and let alone,
Speaker 5: not even talking about financial issues, just social issues and
Speaker 5: just dealing with school and structuring your time. It's like,
Speaker 5: how can somebody fully equip themselves for making that jump
Speaker 5: from high school to college?
Speaker 8: First you sign up with Trill or not Trill, but uh,
Speaker 8: you know, to fully equip yourself, it takes a lot.
Speaker 8: And this is where we have to really invest. We
Speaker 8: were just talking about that off camera too, about how
Speaker 8: much money you place on a college.
Speaker 3: Degree, whether you're going there for free or you're paying
Speaker 3: full tuition.
Speaker 8: There's no I mean, outside of a house, there's no
Speaker 8: larger investment that you're really making probably throughout your life.
Speaker 8: And in the same way that you invest in the house,
Speaker 8: you're searching for multiple houses. But then even before that,
Speaker 8: you want to know how is the house, How you
Speaker 8: know how is it built?
Speaker 3: What was? What do I have to do to fix
Speaker 3: this space?
Speaker 8: What do I have to do to make sure that
Speaker 8: my family, if I want to start a family, goes
Speaker 8: in here. It can't just be let me just show up,
Speaker 8: pull up and figure out.
Speaker 3: The rest investment?
Speaker 10: Right?
Speaker 8: And so what what the what people have to do
Speaker 8: is is really start to invest in the child and
Speaker 8: the student's education before they even get in there and
Speaker 8: find the programs. Because colleges and universities some of them
Speaker 8: will do it, but a lot of them will not,
Speaker 8: and say, listen, we're going to give you a two
Speaker 8: day orientation session to figure out how to succeed in college.
Speaker 8: And you know you and they're trying to holler at
Speaker 8: other people you and they're trying to have fun, you know,
Speaker 8: because they're also doing that too.
Speaker 3: There's a DJ at that thing directors there.
Speaker 8: You're sitting here thinking like, man, I don't even know
Speaker 8: what registraw is. And I remember, like as a college student,
Speaker 8: I was like, is it register And they're like, no,
Speaker 8: it's registrar.
Speaker 3: And I'm like, why what does that even mean?
Speaker 9: For class?
Speaker 3: Correct when you're registering for class?
Speaker 8: So there are these simple little things that that students
Speaker 8: aren't prepared for and so for me, I just think
Speaker 8: that you have to invest in the same way that
Speaker 8: you would invest in a house, the same way that
Speaker 8: you wouldn't buy a car without making every possible detail
Speaker 8: for it.
Speaker 3: You have to do the same thing.
Speaker 6: And I think the key is invest past financials because
Speaker 6: a lot of people always talk about college and investing,
Speaker 6: and it's only the financial piece when we're saying about
Speaker 6: the investment, saying due to research as well and understand
Speaker 6: where college is going, what colleges are doing at different degrees,
Speaker 6: because it can be really beneficial for you.
Speaker 5: And it's also a very important I think what Jeff
Speaker 5: said as far as to find people on campus that
Speaker 5: know the deal and because that helped me out a lot,
Speaker 5: as far as like when I first got there, I
Speaker 5: had somebody chott my mansion real he's from Lebron.
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Speaker 5: And he was a junior when I was a freshman.
Speaker 5: He was on the team and he was seasoned. He
Speaker 5: was there for two years. So he kind of explained
Speaker 5: to me, like take this class, don't do this and
Speaker 5: have this many credits, and like this professor is cool,
Speaker 5: and he kind of walked me through it, and from
Speaker 5: there I was able to have a smooth transition. But
Speaker 5: I think it's important to have that mentor. I don't
Speaker 5: know if schools have.
Speaker 6: Program they do, and then the other thing before you
Speaker 6: even talk about what you want. The mentors just don't
Speaker 6: get too caught up on titles as well. Right, looking
Speaker 6: for somebody with a leadership title to be a mentor.
Speaker 6: There's just people on campus that literally run a campus
Speaker 6: but don't have any fancy title.
Speaker 9: A person that works in a book store right right, everybody.
Speaker 8: And they've been there for twenty years, so they know
Speaker 8: exactly what books to get, they know exactly where to go.
Speaker 8: There's the person who's cleaning up the student union building.
Speaker 8: They or know, hey, listen, you know you need to
Speaker 8: join this club, or hey, you know you need to
Speaker 8: talk to Jeff because Jeff knows who everybody is. And
Speaker 8: so that's where, you know, we always talk about the
Speaker 8: difference of what a mentor means. So we tell people,
Speaker 8: number one, you need a digital mentor, and the digital
Speaker 8: mentor is somebody that is online, that has an online
Speaker 8: presence at that institution or otherwise that you know you
Speaker 8: can just.
Speaker 3: Watch what they're doing.
Speaker 8: And that might just mean I'm watching somebody's Instagram feed
Speaker 8: or Twitter feed and saying, all right, you know what
Speaker 8: I need to just know because this person is providing
Speaker 8: a wealth of information. There's a generational mentor, So that
Speaker 8: means you also need to know somebody who is from
Speaker 8: a different generation than you are, younger and older, who
Speaker 8: have different mindsets and different viewpoints that you can say,
Speaker 8: all right, this is the generational mentor that's older than
Speaker 8: I am, that's going to be providing me the traditional
Speaker 8: sense of leadership.
Speaker 3: But then here's this person that's also maybe a little
Speaker 3: bit younger than I am.
Speaker 8: That I can give them information and then they give
Speaker 8: me back some information.
Speaker 6: And then like your boy that you said at your school,
Speaker 6: be what we call peer mentor, right right, somebody that's
Speaker 6: in that same age range, same age bracket doing this
Speaker 6: you know the same things that you're doing, and that's
Speaker 6: a fellow peer of yours that can really help you
Speaker 6: out important.
Speaker 4: Yeah for sure. All right. So now we're going to
Speaker 4: go into the next seven.
Speaker 5: We're going to talk about the financials and we're also
Speaker 5: going to talk about chill natural.
Speaker 4: So yeah, yes, I love that environment. All right.
Speaker 5: So now we're going to talk about the number one
Speaker 5: thing when it comes to school is how to pay
Speaker 5: for it?
Speaker 4: Right, money, money, As.
Speaker 2: We said, man, it's the biggest financial decision that they
Speaker 2: gonna make, and they have, especially high school sudents, they
Speaker 2: got about three years and that's you're making that.
Speaker 9: Decision at a team.
Speaker 10: Like a lot of people won't get approved to get
Speaker 10: a loan for a house.
Speaker 9: They probably won't.
Speaker 2: They may not get approved to get a loan for
Speaker 2: a car, but they will get approved.
Speaker 5: Student loan is real and something like I said once again,
Speaker 5: I was fortunate not to have to a loan because
Speaker 5: I had a scholarship. But I have brothers and sister
Speaker 5: and they both have to I think they both still
Speaker 5: paying on this. They're both older than me. But student
Speaker 5: loans is real. Financial aid is definitely real. All that
Speaker 5: is real.
Speaker 2: So and you can't escape it. No, no, no filing
Speaker 2: for bangrucy on doingent loan.
Speaker 5: Oh they're gonna want their money, thank you, so so.
Speaker 5: But like, what's what's What's some hacks that parents because
Speaker 5: a lot of parents listen to our podcasts and you know,
Speaker 5: might have children in college or children getting ready to
Speaker 5: go to college. What some hacks that and even children
Speaker 5: or young adults can use to minimize the cost of college.
Speaker 6: One of the big hacks for high school students is
Speaker 6: taking college courses while you're in high school. Now, some
Speaker 6: high schools and some districts provide that, and they're called
Speaker 6: like articulation agreements, another fancy words, another fancy hire edward,
Speaker 6: but they're call articulation or dual agreements or partnerships where
Speaker 6: a lot of community colleges now and some four year
Speaker 6: schools are trying to build upon their enrollment. So what
Speaker 6: they're doing is they're allowing high school students to start
Speaker 6: taking classes at a lower rate or for free. So
Speaker 6: that's something where you look at in your area, your region,
Speaker 6: your district, especially within the community colleges, your kids can
Speaker 6: take some of those level one hundred courses at a
Speaker 6: lower rate.
Speaker 4: Do you how do you get going on campus?
Speaker 7: You can go on campus, so you can call.
Speaker 6: What you can do is you can call most colleges
Speaker 6: have what they call like a pre college program, pre
Speaker 6: summer program, summer academies, and look look inside of some
Speaker 6: of those programs, those summer camps and maybe don't send
Speaker 6: your kids to maybe a sports camp in the town.
Speaker 6: You send them to a business academy camp at like
Speaker 6: let's say, at Pace University, and then they can potentially
Speaker 6: get credits for class while they're at that camp. So
Speaker 6: that's that's the way to kind of look at it.
Speaker 6: I would look at your local community colleges first, give
Speaker 6: them a call. A lot of them do allow high
Speaker 6: school students to take classes on Saturdays and at night,
Speaker 6: so that's something that you can you can definitely look
Speaker 6: out for, and you can go in as what they
Speaker 6: call another fancy college for like a non matriculated student.
Speaker 9: That's yeah, that's a good word, I know.
Speaker 8: I think another thing too is to just be honest
Speaker 8: about going to community colleges. So community colleges are way
Speaker 8: less expensive than they are than for your institutions are.
Speaker 8: And so if your student is not fully prepared because
Speaker 8: they just don't know.
Speaker 3: I mean, at eighteen, you just may not know.
Speaker 8: And at eighteen, I thought I was going to be
Speaker 8: a high school basketball coach, teaching English classes that in
Speaker 8: my old high school, and that's what I thought I
Speaker 8: was going to do. And I went into college thinking
Speaker 8: that that was the plan. And I realized that I
Speaker 8: didn't want to do that at all about two years
Speaker 8: into the game, and so I had I don't know
Speaker 8: if community college was particularly for me, but I'm paying
Speaker 8: I paid for those two and I paid a lot
Speaker 8: of money for those two years.
Speaker 3: And for some people who are just.
Speaker 8: Not quite sure if they want to go to college
Speaker 8: or if this institution is go to a two year
Speaker 8: and bang out two years of college that are going
Speaker 8: to be a lot less expensive, and then succeed at
Speaker 8: those two years and then you can get into whatever
Speaker 8: school you want.
Speaker 3: I mean, Harvard is giving.
Speaker 8: Away full scholarships to students who excel at a community college,
Speaker 8: as are so many other excellent institutions, So you know,
Speaker 8: I think that's one that's another way to minimize some
Speaker 8: of the costs. And another thing I wanted to add
Speaker 8: is alumni offices are a secret hidden money giving a space.
Speaker 8: It's called advancement at most universities. But your alumni offices
Speaker 8: are always collecting money from donors who are saying, we
Speaker 8: want to give money to a black male student from
Speaker 8: upstate New York who enjoys watching soccer, and they literally
Speaker 8: will say that's the only way we're going to give
Speaker 8: five thousand dollars to this program, or we're going to
Speaker 8: get five thousand dollars to a student who's involved in
Speaker 8: the Haitian Students club, and that's the only way we're
Speaker 8: gonna give five thousand dollars. I donate to my school
Speaker 8: and I give money only to the Black student Union
Speaker 8: that helps shape my career. So we have money that
Speaker 8: we give to. You have to be involved in that club.
Speaker 8: But students don't know because they don't always announce those scholarships.
Speaker 8: They're just there on the website that nobody knows.
Speaker 3: So I tell.
Speaker 8: Students once a month go into that office and say
Speaker 8: are you offering any scholarships?
Speaker 3: And they will be there.
Speaker 6: And then for those people, I mean, we both did it.
Speaker 6: We both donated and created our own scholarships. I created
Speaker 6: one out of community college, create one out of his
Speaker 6: high school. And for those people that are watching that
Speaker 6: don't know how to give back money, you can call
Speaker 6: the foundations and advancement and alumni officers at these colleges
Speaker 6: and do a two hundred and fifty dollars scholarship or
Speaker 6: a five hundred dollars scholarship to help students as well. Another
Speaker 6: misconception is that you have to finish a community college
Speaker 6: in order to transfer. That's not true. Every school is different.
Speaker 6: So for example, in New Jersey where I live, two
Speaker 6: things that I want to kind of put out there.
Speaker 9: There's two things.
Speaker 7: In New Jersey.
Speaker 6: Let's say you have twelve credits in the two point
Speaker 6: zero you can transfer into most four year state schools
Speaker 6: in New Jersey. It's give me two point five into
Speaker 6: most state schools in New Jersey. New Jersey also has
Speaker 6: another program, and most states do have programs like this
Speaker 6: called NJ Stars where a student maybe didn't do particularly
Speaker 6: well in their SATs, but they're in the top twenty
Speaker 6: percent of the top ten percent of their class. And
Speaker 6: if you're in the top ten percent of your class,
Speaker 6: you go to college for free community college. Then when
Speaker 6: you go to community college, if you get your associate's
Speaker 6: degree and you have a three point two GPA, you
Speaker 6: can get another scholarship to go finish your bachelor's degree
Speaker 6: at a four year college and that'll be it in
Speaker 6: Jstars two. So in Jstars one, it's community college. You
Speaker 6: can transfer out and then you go into in Jstars too.
Speaker 6: So these are type of programs that they have in
Speaker 6: a lot of I just know that particular because I'm
Speaker 6: from New Jersey, But they have these type of programs
Speaker 6: within the states. So don't get too caught up saying, well,
Speaker 6: I'm top twenty percent of class. I want to go
Speaker 6: to this big school.
Speaker 7: Yeah, you might be.
Speaker 6: Your top twenty percent might be different from another high school,
Speaker 6: so you might not get as much money as.
Speaker 7: Far as scholarships.
Speaker 6: So take advantage of the scholarships that you do have,
Speaker 6: be at that community college, and then go on and
Speaker 6: then potentially transferring get scholarships as well.
Speaker 7: So it's just transfer scholarships.
Speaker 2: As you're talking, I'm listening because we do this this
Speaker 2: project with the kids who are going into college, like
Speaker 2: even say an associate's degree, they like have no idea.
Speaker 9: So that's traditionally fifty six.
Speaker 2: Credits, right, and then obviously a bachelor is when you
Speaker 2: finish traditionally one hundred and twenty credits of school. That
Speaker 2: might take for four or five years hopefully because it's
Speaker 2: going to cost you ever and you don't.
Speaker 6: But and on top of that, you know, after a
Speaker 6: certain amount of credits, after I think one hundred and sixty,
Speaker 6: I want to say, you run out of financial aid.
Speaker 6: So you can continue to go to school. They'll let
Speaker 6: you go to school, they don't care, but your financial aid.
Speaker 6: Can you can exhaust your financial aid?
Speaker 2: That's important And I was going to say, like in
Speaker 2: addition to that, like a lot there's a misconception with
Speaker 2: community college. Like you said, like after those two years
Speaker 2: you transfer to a four year school. Like when you
Speaker 2: graduate and you go into your career, nobody's looking at like, yo,
Speaker 2: what junior you transfer from community college?
Speaker 10: And then New York State has now.
Speaker 9: Like in the past two years they started the Excelsia program.
Speaker 2: So state school is also a good thing, right, it's
Speaker 2: a least it's less than if you went to a
Speaker 2: private school.
Speaker 9: Right.
Speaker 2: So if you go to state school and you live
Speaker 2: in New York and you know your parents make under
Speaker 2: a certain amount of money, you can have I think
Speaker 2: room and board for free and to which well, so
Speaker 2: that's another option. If community college is like it's not
Speaker 2: something you want to do, go to your local state
Speaker 2: school if you live in New York, and then I
Speaker 2: think the only recommend requirement is that you have to
Speaker 2: work in the state four years after you however.
Speaker 7: Long, Yeah, a lot of schools are doing.
Speaker 6: You know, if your parents make seventy thousand hours, your
Speaker 6: household income is seventy thousand dollars, you go to school
Speaker 6: for free. That's something that's happened in New Jersey where
Speaker 6: all the community colleges will be free start in September.
Speaker 6: These are again, these are the type of programs that
Speaker 6: you should know. But most importantly, you just brought up
Speaker 6: a really good point. Public understand what a public college
Speaker 6: is and a private college. Right, nine times out of ten,
Speaker 6: a private college costs more than a public college. And
Speaker 6: it doesn't mean that, And it goes back what I
Speaker 6: said early. It doesn't mean that they're a better school.
Speaker 6: It's literally because they're privately funded, so it's a little
Speaker 6: it's a little bit different when it comes to how
Speaker 6: much they charge for tuition. So it's very important to
Speaker 6: know what a public college is and a private private
Speaker 6: and know the difference.
Speaker 5: That'sant Yeah, because I actually did a podcast before and
Speaker 5: somebody asked me that question, and I was saying that
Speaker 5: nobody cares, like especially if you plan on getting a
Speaker 5: degree outside of the other first degree. So like if
Speaker 5: you know you're going to get a four year degree
Speaker 5: and you go into a two year school, or if
Speaker 5: you know you're going to get a master's degree, right,
Speaker 5: they only care about the last degree that you have
Speaker 5: and that school that you went to. So like Barack
Speaker 5: Obama is a perfect example. He went to his first
Speaker 5: school that he went to for two years is like
Speaker 5: some no name school in California. Then he went to
Speaker 5: Columbia and then he went to Harvard after that. Right,
Speaker 5: when you hear the stories, it's only that he went
Speaker 5: to Harvard Law and he graduated from Columbia, they never
Speaker 5: say the first school that he went to.
Speaker 4: It doesn't matter.
Speaker 5: But you save a lot of money, you prepare yourself,
Speaker 5: and you grow so a lot of times I'm not
Speaker 5: the best person to give this speech because I went
Speaker 5: to the University of Hawaii, But you might have to
Speaker 5: humble yourself and stay home right and learn, learn the ropes,
Speaker 5: and you know, stay at home for a couple of
Speaker 5: years and then go out on your own. Or you know,
Speaker 5: you might just sacrifice for four years, stay at home,
Speaker 5: save money, go to your local school in your area,
Speaker 5: your state school. It'll you might not get the same
Speaker 5: joy as you know, going out on your own and
Speaker 5: you know, going to a crazy destination. But the grand
Speaker 5: scheme of things, it might make a lot of sense
Speaker 5: long term.
Speaker 9: That's my story in itself.
Speaker 2: Right, I stayed home, I went to school locally, right,
Speaker 2: But what I did during that time was I was
Speaker 2: able to get experience, whereas somebody who comes out of
Speaker 2: school and is looking for experience, I.
Speaker 9: Already have four years on you.
Speaker 2: So sometimes when you go to a career or job,
Speaker 2: it's like, yeah, you have this, but do you have
Speaker 2: the experience? Like I'm doing that as I'm going to
Speaker 2: school and obviously I don't have to pay for room
Speaker 2: and board or anything like that.
Speaker 9: So it helped in that way.
Speaker 6: Yeah, and also look at another complotment by experience. Also
Speaker 6: look at the career centers within the college. I know,
Speaker 6: in my junior year, my job, my internship was also
Speaker 6: kind of as credits, so it could be considered like
Speaker 6: a co op program. So your class can actually eliminate
Speaker 6: I mean, your job can actually eliminate you taking a
Speaker 6: certain class because the work that you're doing, the experience
Speaker 6: that you're doing is learning learn learning experience. And then
Speaker 6: they'll give you a professor to kind of you know,
Speaker 6: follow you along and then you write a paper about
Speaker 6: it in the semester. And not only did you get
Speaker 6: paid to work, but you also got credits which saved
Speaker 6: you money as well.
Speaker 4: So Jeff, you have an interesting story about j Cole.
Speaker 8: Yeah, so you know this is the thing about college.
Speaker 8: So this kind of goes into this conversation about how
Speaker 8: to find money and how to be more successful in it.
Speaker 8: So I went to Saint John's University and I went
Speaker 8: to school with J. Cole, And you know, I was
Speaker 8: president of our Black student union which was called Harayah,
Speaker 8: and at that time we were the largest organization. They
Speaker 8: had a massive budget, over one hundred thousand dollars. And
Speaker 8: what we were able to do was I became president
Speaker 8: of that. And becoming president of that, they gave me
Speaker 8: a five thousand dollars stipend. So right there, I got
Speaker 8: an extra five K that I didn't have for doing
Speaker 8: some student work on top of the stipend. With that budget,
Speaker 8: I was able to also bring in a bunch of
Speaker 8: different speakers. I mean Cornell, Wes, Maya, Angelou, all these
Speaker 8: people that I wanted to meet, We had the money
Speaker 8: to bring them in. Now that J colepiece is is
Speaker 8: leveraging the networking opportunity. So if you're going to go
Speaker 8: to a college, I don't care what school it is,
Speaker 8: I want you to go in there and make sure
Speaker 8: you meet as many different people as you possibly can.
Speaker 8: Get yourself into every room and so when I think
Speaker 8: about Cole, one of the things that I remember Jermaine
Speaker 8: was just wrapping in the random open mic or wrapping
Speaker 8: in the residence hall in the dorms, and then that
Speaker 8: flipped into him getting involved. He eventually became president of
Speaker 8: our Black student union. And then when that happened, he
Speaker 8: always had a crowd. There was always five hundred people
Speaker 8: that were guaranteed that we're going to buy the mixtape,
Speaker 8: that we're going to come out to the show, that
Speaker 8: we're going to support him at the open mic, that
Speaker 8: we're going to go out to this And me, I
Speaker 8: see it all the time as we do speaking gigs
Speaker 8: that I still perform poetry. Half of my audience are
Speaker 8: people from Saint John's for my undergraduate career.
Speaker 3: So I tell.
Speaker 8: People make sure that once you get in, get yourself involved,
Speaker 8: get yourself entrenched in the university, because that's how you
Speaker 8: get them to start paying you back.
Speaker 3: And that's the thing. School's really expensive.
Speaker 8: But I'm going to find out how do I become
Speaker 8: a resident assistant. And a resident assistant is when you're
Speaker 8: in charge of a residence floor and you're in charge
Speaker 8: of a dorm floor, they pay for your housing. But
Speaker 8: I did not pay for housing for three years of
Speaker 8: my college career. And when you get into those spaces,
Speaker 8: I was an orientation leader, which were the people who
Speaker 8: introduced the people when they came to college.
Speaker 3: I got paid for that. So that's where you find
Speaker 3: the money.
Speaker 8: You leveraged the money by the network, by the capital
Speaker 8: of the individuals, as well as the capital that the
Speaker 8: school hasn't.
Speaker 5: He said something interesting, You said that Jacole, being the
Speaker 5: president of the Black Student Union, he was in a
Speaker 5: unique position because he booked concerts.
Speaker 4: So then that opened up for them.
Speaker 8: Yeah, it was fascinating. I mean I remember, you know
Speaker 8: when I was wrapping back in the day, that was
Speaker 8: the same thing. I'm like, I put on my little resume. Yeah,
Speaker 8: I opened up for Kanye, I opened up for quality,
Speaker 8: I opened up for comment And he did the same
Speaker 8: thing every time we had a major artist. He was
Speaker 8: one of the performers that opened up for it. And
Speaker 8: then that just again creates more leverage, creates more opportunities.
Speaker 8: You get practice. And he didn't pay a dime. He
Speaker 8: didn't pay anything. You use the studio that's on campus,
Speaker 8: use every possible resource that they have because they're they're
Speaker 8: they're taking the money.
Speaker 9: From you in tuition.
Speaker 8: They're never gonna They're never gonna say, hey, you know what,
Speaker 8: it's okay, you don't have to pay today. So I'm
Speaker 8: gonna say, listen, I want They're never gonna say that, right,
Speaker 8: So I want the studio, I want the gym, I
Speaker 8: want I'm taking everything that this school could possibly give me.
Speaker 4: And he was like a straight a student something like that.
Speaker 8: Yeah, I mean he was a good student from what
Speaker 8: I heard. I mean, I wasn't in the classes with him, right,
Speaker 8: but he was.
Speaker 4: I mean.
Speaker 8: And that's the thing is that I can't stress. And
Speaker 8: I'll say this over and over again. You have to
Speaker 8: succeed in that space. So do everything you possibly can
Speaker 8: to to leverage every opportunity.
Speaker 3: Did they have.
Speaker 10: My graduates from my school being false?
Speaker 4: Bad?
Speaker 3: Drop drop Mike, drop bag drop.
Speaker 8: Hi.
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