WEBVTT - Professional Development: HACKS TO LOWER THE COST OF COLLEGE

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

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<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

0:00:07.720 --> 0:00:11.840
<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

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<v Speaker 1>filming and selling child pornography in Michigan. These are just

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<v Speaker 1>some of the heinous migrant criminals caught because of President

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<v Speaker 1>Donald J. Trump's leadership. I'm Christy nom the United States

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<v Speaker 1>Secretary of Homeland Security. Under President Trump, attempted illegal border

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<v Speaker 1>crossings are at the lowest levels ever recorded, and over

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<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

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<v Speaker 1>are here illegally, your next you will be fined nearly

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<v Speaker 1>one thousand dollars a day, imprisoned, and deported. You will

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<v Speaker 1>never return. But if you register using our CBP home

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<v Speaker 1>app and leave now, you could be allowed to return legally.

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<v Speaker 1>Do what's right. Leave now. Under President Trump, America's laws,

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<v Speaker 1>border and families will be protected.

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<v Speaker 2>Sponsored by the United States Department of Homeland Security.

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<v Speaker 3>All right, So now we're going to talk about the

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<v Speaker 3>number one thing when when it comes to school is

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<v Speaker 3>how to pay for it?

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<v Speaker 4>Right money, money, As we said, man, it's the it's

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<v Speaker 4>the biggest financial decision that they're going to make and

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<v Speaker 4>they have, especially high school sent they got about three

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<v Speaker 4>years and that's you're making that decision at any team.

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<v Speaker 4>Like a lot of people won't get approved to get

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<v Speaker 4>a loan for a house. They probably won't. They may

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<v Speaker 4>not get approved to get a loan for a car,

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<v Speaker 4>but they will get approved.

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<v Speaker 3>Student loan is real, and it's something like I said

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<v Speaker 3>once again, I was fortunate not to have to a

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<v Speaker 3>loan because I had a scholarship. But I have brothers

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<v Speaker 3>and sister and they both have to I think they're

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<v Speaker 3>both still paying on this still they're both older than me.

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<v Speaker 3>But student loans is real. Financial lead is definitely real.

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<v Speaker 3>All that is real.

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<v Speaker 2>So you can't escape it. No, no, no filing for

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<v Speaker 2>bankruc doing a loan.

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<v Speaker 5>Oh, they're gonna want their money ra thank you so so.

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<v Speaker 3>But like, what's what's what's some hacks that parents because

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<v Speaker 3>a lot of parents listen to our podcast and you know,

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<v Speaker 3>might have children in college or children getting ready to

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<v Speaker 3>go to college. What's some hacks that and even children

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<v Speaker 3>or young adults can use to minimize the course of college.

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<v Speaker 6>One of the big hacks for high school students is

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<v Speaker 6>taking college courses while you're in high school. Now, some

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<v Speaker 6>high schools and some districts provide that, and they're called

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<v Speaker 6>like articulation agreements, another fancy words, another fancy hire Edward,

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<v Speaker 6>but their articulation or dual agreements or partnerships where a

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<v Speaker 6>lot of community colleges now and some four year schools

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<v Speaker 6>are trying to build upon their enrollment. So what they're

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<v Speaker 6>doing is they're allowing high school students to start taking

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<v Speaker 6>classes at a lower rate or for free. So that's

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<v Speaker 6>something to where we look at in your in your area,

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<v Speaker 6>your region, your district, especially within the community colleges, your

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<v Speaker 6>kids can take some of those level one hundred courses

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<v Speaker 6>at a lower rate.

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<v Speaker 2>Do you how do you get going on campus? You

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<v Speaker 2>can go on campus, so you can call.

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<v Speaker 6>What you can do is you can call most colleges

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<v Speaker 6>have what they call like a pre college program, pre

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<v Speaker 6>summer program, summer academy, and look inside of some of

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<v Speaker 6>those programs, those summer camps and maybe don't send your

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<v Speaker 6>kids to maybe a sports camp in the town. You

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<v Speaker 6>send them to a business academy camp at like let's

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<v Speaker 6>say a Pace University, and then they can potentially get

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<v Speaker 6>credits for class while they're at that camp. So that's

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<v Speaker 6>the way to kind of look at it. I would

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<v Speaker 6>look at your local community colleges first, give them a call.

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<v Speaker 6>A lot of them do allow high school students to

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<v Speaker 6>take classes on Saturdays and at night, so that's something

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<v Speaker 6>that you can you can definitely look out for, and

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<v Speaker 6>you can go in as what they call another fancy

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<v Speaker 6>college or like a non matriculated student.

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<v Speaker 5>That's yeah, that's a good word.

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<v Speaker 7>I know that.

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<v Speaker 8>I think another thing too is to just be honest

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<v Speaker 8>about going to community colleges. So community colleges are way

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<v Speaker 8>less expensive than they are than for your institutions are.

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<v Speaker 8>And so if your student is not fully prepared because

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<v Speaker 8>they just don't know.

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<v Speaker 7>I mean, at eighteen, you just may not know.

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<v Speaker 8>And at eighteen, I thought I was going to be

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<v Speaker 8>a high school basketball coach, teaching English classes that in

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<v Speaker 8>my old high school, and that's what I thought I

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<v Speaker 8>was going to do.

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<v Speaker 7>And I went into college thinking that that was the plan.

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<v Speaker 8>And I realized that I didn't want to do that

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<v Speaker 8>at all about two years into the game, and so

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<v Speaker 8>I had I don't know if community college was particularly

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<v Speaker 8>for me, but I'm paying I paid for those two years,

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<v Speaker 8>and I paid a lot of money for those two years.

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<v Speaker 8>And for some people who are just not quite sure

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<v Speaker 8>if they want to go to college or if this

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<v Speaker 8>institution is go to a two year and bang out

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<v Speaker 8>two years of college that are going to be a

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<v Speaker 8>lot less expensive, and then succeed at those two years

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<v Speaker 8>and then you can get into whatever school you want.

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<v Speaker 7>I mean, Harvard is giving away.

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<v Speaker 8>Full scholarships to students who excel at a community college,

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<v Speaker 8>as are so many other excellent institutions. So you know,

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<v Speaker 8>I think that's a one that's another way to minimize

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<v Speaker 8>some of the costs. And another thing I wanted to

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<v Speaker 8>add is alumni offices are a secret hidden money giving

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<v Speaker 8>a space you're it's called advancement at most universities, but

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<v Speaker 8>your alumni offices are always collecting money from donors who

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<v Speaker 8>are saying, we want to give money to a black

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<v Speaker 8>male student from upstate New York who enjoys watching soccer,

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<v Speaker 8>and they literally will say that's the only way we're

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<v Speaker 8>going to give five thousand dollars to this program, or

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<v Speaker 8>we're gonna give five thousand dollars to a student who's

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<v Speaker 8>involved in the Haitian Students Club and that's the only

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<v Speaker 8>way we're going to give five thousand dollars.

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<v Speaker 7>I donate to my.

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<v Speaker 8>School, and I give money only to the Black Student

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<v Speaker 8>Union that helps shape my career.

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<v Speaker 7>So we have money that we give to. You have

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<v Speaker 7>to be involved in that club.

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<v Speaker 8>But students don't know because they don't always announce those scholarships.

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<v Speaker 8>They're just there on the website that nobody knows.

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<v Speaker 7>So I tell.

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<v Speaker 8>Students once a month go into that office and say

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<v Speaker 8>are you offering any scholarships, and they will be there.

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<v Speaker 6>And then for those people, I mean, we both did it.

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<v Speaker 6>We both donated and created our own scholarships. I created

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<v Speaker 6>one out of community college, created one out of his high school.

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<v Speaker 6>And for those people that are watching that don't know

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<v Speaker 6>how to give back money, you can call the foundations

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<v Speaker 6>and advancement and alumni offices at these colleges and do

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<v Speaker 6>a two hundred and fifty dollars scholarship or five hundred dollars

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<v Speaker 6>scholarship to help.

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<v Speaker 2>Students as well.

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<v Speaker 6>Another misconception is that you have to finish a community

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<v Speaker 6>college in order to transfer.

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<v Speaker 2>That's not true. Every school is different.

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<v Speaker 6>So for example, in New Jersey where I live, there's

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<v Speaker 6>two things that I want to kind of put out there.

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<v Speaker 2>There's two things in New Jersey.

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<v Speaker 6>Let's say you have twelve credits in a two point

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<v Speaker 6>zero you can transfer into most four year state schools

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<v Speaker 6>in New Jersey. It's give me two point five into most.

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

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<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

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<v Speaker 1>accused of murdering a Texas. Man of Venezuelan charged with

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<v Speaker 1>filming and selling child pornography in Michigan. These are just

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<v Speaker 1>some of the heinous migrant criminals caught because of President

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<v Speaker 1>Donald J. Trump's leadership. I'm Christy Noman, the United States

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<v Speaker 1>Secretary of Homeland Security. Under President Trump, attempted illegal border

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<v Speaker 1>crossings are at the lowest levels ever recorded, and over

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<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

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<v Speaker 1>are here illegally, your next you will be fine nearly

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<v Speaker 1>one thousand dollars a day. Imprisoned and deported, you will

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<v Speaker 1>never return. But if you register using our CBP home

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<v Speaker 1>app and now you could be allowed to return legally.

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<v Speaker 1>Do what's right. Leave now. Under President Trump, America's laws,

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<v Speaker 1>border and families.

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<v Speaker 7>Will be protected.

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<v Speaker 6>Sponsored by the United States Department of Home d Security

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<v Speaker 6>from state schools in New Jersey. New Jersey also has

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<v Speaker 6>another program, and most states do have programs like this

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<v Speaker 6>called NJ Stars where a student maybe didn't do particularly

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<v Speaker 6>well in their SATs, but they're in the top twenty

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<v Speaker 6>percent of the top ten percent of their class. And

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<v Speaker 6>if you're in the top ten percent of your class,

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<v Speaker 6>you go to college for free community college. Then when

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<v Speaker 6>you go to community college, if you get your associate's

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<v Speaker 6>degree and you have a three point two GPA, you

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<v Speaker 6>can get another scholarship to go finish your your bachelor's

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<v Speaker 6>degree at a four year college and that'll be it

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<v Speaker 6>in Jstars two. So in Jstars one is community college.

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<v Speaker 6>You can transfer out and then you go into in

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<v Speaker 6>Jstars too. So these are the type of programs that

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<v Speaker 6>they have in a lot of I just know that

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<v Speaker 6>particular because I'm from New Jersey, but they have these

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<v Speaker 6>type of programs within the states. So don't get too

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<v Speaker 6>caught up saying, well, I'm top twenty percent of class,

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<v Speaker 6>I want to go to this big school.

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<v Speaker 2>Yeah, you might be.

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<v Speaker 6>Your top twenty percent might be different from another high school,

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<v Speaker 6>so you might not get as much money as far

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<v Speaker 6>as scholarships. So take advantage of the scholarships that you

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<v Speaker 6>do have, maybe at that community college, and then go

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<v Speaker 6>on and then potentially transfer and get scholarships as well.

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<v Speaker 2>So it's just transfer scholarships.

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<v Speaker 4>As you're talking, I'm listening because we do this this

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<v Speaker 4>project with the kids who are going into college, Like

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<v Speaker 4>even say an associates degree, they like have no idea.

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<v Speaker 2>So that's traditionally fifty six.

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<v Speaker 4>Credits, right, and then obviously a bachelor is when you

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<v Speaker 4>finish traditionally one hundred and twenty credits of school that

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<v Speaker 4>might take for four or five years, hopefully because it's

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<v Speaker 4>going to coast you bright and you don't.

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<v Speaker 6>But and on top of that, you know, after a

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<v Speaker 6>certain amount of credits, after I think one hundred and sixty,

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<v Speaker 6>I want to say, you run out of financial aid.

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<v Speaker 2>So you can continue to go to school. They'll let

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<v Speaker 2>you go to school, they don't care.

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<v Speaker 6>But your financial aid can you can exhaust your financial aid.

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<v Speaker 5>That's important.

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<v Speaker 4>And I was going to say, like in addition to that,

0:10:42.480 --> 0:10:44.240
<v Speaker 4>like a lot, there's a misconception with community college, like

0:10:44.240 --> 0:10:46.679
<v Speaker 4>you said, like after those two years you transfer to

0:10:46.720 --> 0:10:48.640
<v Speaker 4>a four year school, Like when you graduate and you

0:10:48.679 --> 0:10:50.920
<v Speaker 4>go into your career, nobody's looking at like, yo, what

0:10:51.000 --> 0:10:54.120
<v Speaker 4>junior you transfer from community college? And then New York

0:10:54.160 --> 0:10:56.000
<v Speaker 4>State has now like in the past two years they

0:10:56.000 --> 0:10:58.319
<v Speaker 4>started the Exelsia program. So state school is also a

0:10:58.360 --> 0:11:01.640
<v Speaker 4>good thing, right, it's a at least it's less than

0:11:01.640 --> 0:11:02.880
<v Speaker 4>if you went to a private school.

0:11:02.920 --> 0:11:03.000
<v Speaker 5>Right.

0:11:03.040 --> 0:11:04.200
<v Speaker 2>So if you go to state school.

0:11:03.960 --> 0:11:05.680
<v Speaker 4>And you live in New York and you know your

0:11:05.720 --> 0:11:07.959
<v Speaker 4>parents make under a certain amount of money, you can

0:11:08.000 --> 0:11:09.720
<v Speaker 4>have I think room and board.

0:11:09.600 --> 0:11:11.959
<v Speaker 2>For free, and to which I was as well.

0:11:12.000 --> 0:11:13.280
<v Speaker 7>So that's another option.

0:11:13.320 --> 0:11:15.319
<v Speaker 4>If community college is like it's not something you want

0:11:15.360 --> 0:11:18.000
<v Speaker 4>to do, go to your local state school if you

0:11:18.000 --> 0:11:19.360
<v Speaker 4>live in New York, and then I think the only

0:11:19.440 --> 0:11:22.720
<v Speaker 4>recommend the requirement is that you have to work in

0:11:22.760 --> 0:11:25.839
<v Speaker 4>the state four years after you however long.

0:11:25.920 --> 0:11:27.480
<v Speaker 2>Yeah, a lot of schools are doing.

0:11:27.559 --> 0:11:30.320
<v Speaker 6>You know, if your parents make seventy thousand hours, your

0:11:30.320 --> 0:11:32.280
<v Speaker 6>household income is seventy thousand hours, you go to school

0:11:32.280 --> 0:11:34.600
<v Speaker 6>for free. That's something that's happened in New Jersey where

0:11:34.679 --> 0:11:36.880
<v Speaker 6>all the community colleges will be free start in September.

0:11:37.760 --> 0:11:39.480
<v Speaker 6>These are again, these are the type of programs that

0:11:39.480 --> 0:11:41.400
<v Speaker 6>you should know. But most importantly you just brought up

0:11:41.440 --> 0:11:45.440
<v Speaker 6>a really good point. Public understand what a public college

0:11:45.440 --> 0:11:48.120
<v Speaker 6>is and a private college. Right, nine times out of ten,

0:11:48.160 --> 0:11:50.520
<v Speaker 6>a private college costs more than a public college. And

0:11:50.559 --> 0:11:51.959
<v Speaker 6>it doesn't mean that, and it goes back what I

0:11:51.960 --> 0:11:53.520
<v Speaker 6>said early. It doesn't mean that they're a better school.

0:11:53.640 --> 0:11:56.280
<v Speaker 6>It's literally because they're privately funded, so it's a little

0:11:56.360 --> 0:11:58.160
<v Speaker 6>it's a little bit different when it comes to how

0:11:58.240 --> 0:11:58.640
<v Speaker 6>much they.

0:11:58.600 --> 0:11:59.320
<v Speaker 2>Charge for tuition.

0:11:59.480 --> 0:12:01.200
<v Speaker 6>So it's very to know what the public college is

0:12:01.240 --> 0:12:03.800
<v Speaker 6>and a private and a private and know the difference that's.

0:12:03.640 --> 0:12:05.640
<v Speaker 3>Important, yah, because I actually did a podcast before and

0:12:05.640 --> 0:12:07.560
<v Speaker 3>somebody asked me that question, and I was saying that

0:12:08.440 --> 0:12:12.000
<v Speaker 3>nobody cares, like especially if you plan on getting a

0:12:12.080 --> 0:12:14.080
<v Speaker 3>degree outside of the other first degree. So like if

0:12:14.120 --> 0:12:16.800
<v Speaker 3>you know you're going to get a four year degree

0:12:16.800 --> 0:12:18.360
<v Speaker 3>and you go into a two year school, or if

0:12:18.360 --> 0:12:20.560
<v Speaker 3>you know you're going to get a master's degree, right,

0:12:20.800 --> 0:12:22.599
<v Speaker 3>they only care about the last degree that you have

0:12:23.360 --> 0:12:25.600
<v Speaker 3>and that school that you went to. So like Barack

0:12:25.600 --> 0:12:28.280
<v Speaker 3>Obama is a perfect example. He went to his first

0:12:28.320 --> 0:12:30.280
<v Speaker 3>school that he went to for two years is like

0:12:30.400 --> 0:12:33.680
<v Speaker 3>some no name school in California. Then he went to

0:12:34.000 --> 0:12:36.600
<v Speaker 3>Columbia and then he went to Harvard after that. Right,

0:12:37.080 --> 0:12:39.160
<v Speaker 3>when you hear the stories, it's only that he went

0:12:39.200 --> 0:12:41.520
<v Speaker 3>to Harvard Law and he graduated from Columbia, they never

0:12:41.559 --> 0:12:44.200
<v Speaker 3>say the first school that he went to. It doesn't matter.

0:12:44.840 --> 0:12:47.040
<v Speaker 3>But you save a lot of money, you prepare yourself,

0:12:47.080 --> 0:12:49.760
<v Speaker 3>and you grow. So a lot of times, I'm not

0:12:49.800 --> 0:12:51.280
<v Speaker 3>the best person to give this speech because I went

0:12:51.320 --> 0:12:55.000
<v Speaker 3>to the University of Hawaii. But you might have to

0:12:55.040 --> 0:12:58.600
<v Speaker 3>humble yourself and stay home right and learn learn the ropes,

0:12:58.679 --> 0:13:00.560
<v Speaker 3>and you know, stay at home for a couple of

0:13:00.600 --> 0:13:03.280
<v Speaker 3>years and then go out on your own, or you know,

0:13:03.320 --> 0:13:05.600
<v Speaker 3>you might just sacrifice for four years, stay at home,

0:13:05.720 --> 0:13:08.520
<v Speaker 3>save money, go to your local school in your area,

0:13:08.600 --> 0:13:12.160
<v Speaker 3>your state school. It'll you might not get the same

0:13:12.760 --> 0:13:16.000
<v Speaker 3>joy as you know going out on your own and

0:13:16.080 --> 0:13:20.240
<v Speaker 3>you know, going to a crazy destination, but the grand

0:13:20.280 --> 0:13:23.160
<v Speaker 3>scheme of things, it might make a lot of sense

0:13:23.240 --> 0:13:23.640
<v Speaker 3>long term.

0:13:23.720 --> 0:13:24.800
<v Speaker 2>That's my story in itself.

0:13:24.840 --> 0:13:27.199
<v Speaker 4>Right, I stayed home, I went to school locally, right,

0:13:27.200 --> 0:13:28.760
<v Speaker 4>But what I did during that time was I was

0:13:28.800 --> 0:13:31.240
<v Speaker 4>able to get experience. Whereas somebody who comes out of

0:13:31.280 --> 0:13:33.839
<v Speaker 4>school and is looking for experience, I already have four

0:13:33.920 --> 0:13:34.360
<v Speaker 4>years on you.

0:13:34.440 --> 0:13:36.400
<v Speaker 2>So sometimes when you go to a career or job,

0:13:36.440 --> 0:13:38.320
<v Speaker 2>it's like, yeah, you have this, but do you have

0:13:38.360 --> 0:13:38.920
<v Speaker 2>the experience?

0:13:38.920 --> 0:13:40.600
<v Speaker 4>Like I'm doing that as I'm going to school and

0:13:40.960 --> 0:13:42.760
<v Speaker 4>obviously I don't have to pay for room and board

0:13:42.800 --> 0:13:43.400
<v Speaker 4>or anything like that.

0:13:43.440 --> 0:13:44.760
<v Speaker 2>So it helped in that way.

0:13:44.960 --> 0:13:47.840
<v Speaker 6>Yeah, and also look at another complutment by experience, also

0:13:47.920 --> 0:13:50.720
<v Speaker 6>got the career centers within the college. I know in

0:13:50.760 --> 0:13:54.319
<v Speaker 6>my junior year, my job, my internship was also kind

0:13:54.320 --> 0:13:56.200
<v Speaker 6>of as credits, so it could be considered like a

0:13:56.240 --> 0:13:59.319
<v Speaker 6>co op program. So your class can actually eliminate. I

0:13:59.360 --> 0:14:01.960
<v Speaker 6>mean your job actually leiminate you taking a certain class

0:14:02.120 --> 0:14:03.839
<v Speaker 6>because the work that you're doing, the experience that you're

0:14:03.840 --> 0:14:06.959
<v Speaker 6>doing is learning learning, learning experience, and they they'll give

0:14:06.960 --> 0:14:09.880
<v Speaker 6>you a professor to kind of, you know, follow you along,

0:14:10.000 --> 0:14:11.800
<v Speaker 6>and then you write a paper about it in a semester.

0:14:12.240 --> 0:14:13.920
<v Speaker 6>And not only did you get paid to work, but

0:14:13.960 --> 0:14:16.280
<v Speaker 6>you also got credits which saved you money as well.

0:14:33.680 --> 0:14:37.320
<v Speaker 1>An illegal alien from Guatemala charged with raping a child

0:14:37.400 --> 0:14:41.200
<v Speaker 1>in Massachusetts. An MS thirteen gang member from El Salvador

0:14:41.440 --> 0:14:45.560
<v Speaker 1>accused of murdering a Texas. Man of Venezuelan charged with

0:14:45.640 --> 0:14:49.520
<v Speaker 1>filming and selling child pornography in Michigan. These are just

0:14:49.640 --> 0:14:53.400
<v Speaker 1>some of the heinous migrant criminals caught because of President

0:14:53.440 --> 0:14:56.960
<v Speaker 1>Donald J. Trump's leadership. I'm Christine Noman, the United States

0:14:57.040 --> 0:15:01.840
<v Speaker 1>Secretary of Homeland Security. Under President Trump, Attempted illegal border

0:15:01.880 --> 0:15:05.400
<v Speaker 1>crossings are at the lowest levels ever recorded, and over

0:15:05.480 --> 0:15:08.680
<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

0:15:08.760 --> 0:15:12.600
<v Speaker 1>are here illegally, your next you will be fine nearly

0:15:12.720 --> 0:15:16.720
<v Speaker 1>one thousand dollars a day, imprisoned and deported, you will

0:15:16.760 --> 0:15:20.400
<v Speaker 1>never return. But if you register using our CBP Home

0:15:20.440 --> 0:15:23.760
<v Speaker 1>app and leave now. You could be allowed to return legally.

0:15:24.200 --> 0:15:28.920
<v Speaker 1>Do what's right. Leave now. Under President Trump America's laws,

0:15:29.120 --> 0:15:31.560
<v Speaker 1>border and families will be protected.

0:15:31.640 --> 0:15:33.800
<v Speaker 2>Sponsored by the United States Department of Homeland Security,