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These are the slides that counselors presented to senior students during advisory on 9/10 and 9/11/25.

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_Senior Class Advisory Meeting 25-26 MASTER COPY

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This is a running list of College Reps that will be visiting NHS main school counseling office throughout the year! Please sign up through your SchooLinks account.

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In order to apply for automatic admission, a student must:

CT High School Senior
Be a current senior in a CT High School and planning to graduate in the spring of 2025.

GPA
Have a 3.0 weighted GPA or a 2.75 unweighted GPA.

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Graduating CT high school seniors who have a 3.0 weighted GPA or a 2.75 unweighted GPA are eligible upon application to be automatically admitted to participating colleges and universities. Admission to some programs within these colleges and universities may require additional student information or demonstrated student success in the first semesters of attendance. This program waives the application fee, student essays, and recommendation letters for participating institutions.

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Class of 2026 Senior Packet (includes transcript request and permission to release)

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Schools that accept Seal of Biliteracy Credit

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Schools that accept Seal of Biliteracy Credit

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https://docs.google.com/spreadsheets/d/19oZOSGoy9Maurn0RCq8C4eC1eS7e0qU6/edit?usp=sharing&ouid=112667046400309613776&rtpof=true&sd=true

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This article breaks down the different types of federal student loans.

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The cost of college - including tuition, housing, textbooks and other fees - adds up for families. However, students are often eligible for financial aid, including scholarships, grants, work-study or loans to help reduce the overall price of attendance.

To be eligible for federal and some other forms of financial assistance, families must fill out the Free Application for Federal Student Aid, or FAFSA. Many experts say it's important to take every step possible to limit taking out loans, which students have to pay back with interest. The FAFSA opens the door to work-study and Pell grants for students who are eligible, in addition to federal loans.

"Try to keep the debt load as low as possible as you finance your college education," says Bruce McClary, senior vice president of memberships and communications for the nonprofit National Foundation for Credit Counseling. "The more time you spend doing that, and the more success you find in that area, the less of a debt burden you're going to have when you graduate. Student loan debt is so much of a burden for so many people right now and it's one less thing you have to worry about after graduation."

However, avoiding borrowing altogether is not always possible. Students who need to borrow should first do their research on the types of loans available, including federal and private. Information on federal student loans is available on the U.S. Department of Education's Federal Student Aid website. The most common sources of private student loans, on the other hand, are banks and credit unions. Experts advise students to only take out private loans as a last resort, as they're generally less flexible than federal loans.

High school counselors can also be a resource to help walk students and families through the different loan options in order to determine the right fit.

"It is really important to understand the differences between the types of loans that you may be offered before accepting an offer," says Amber Miller, a partner experience manager at GreenPath Financial Wellness.

Types of Federal Student Loans

Four types of federal student loans are available:

Direct subsidized loans

Direct unsubsidized loans

Direct PLUS loans

Direct consolidation loans

Direct Subsidized Loans

Direct subsidized loans, like most forms of federal financial aid for college, are available to undergraduate students with financial need, which is determined using a formula with the information provided on the FAFSA.

The interest on these loans is covered by the Department of Education while a borrower is enrolled in school at least part-time, during the first six months after leaving school and during periods of deferment - when loan payments are postponed for any number of reasons.

"There are often better terms on direct subsidized loans (than other options) in an effort to help out these students who have a financial need," Miller says.

Limits are placed on the amount in subsidized loans that borrowers can receive each academic year, which varies based on what year they are in school and if they have dependent or independent status. For instance, the annual maximum for first-year dependent and independent students taking out subsidized loans is $3,500. However, dependent students with parents who are ineligible for a direct PLUS loan may be able to receive additional unsubsidized loan funds.

The current interest rate on direct subsidized loans is 5.5%, which is fixed over the life of the loan. Under certain circumstances, direct subsidized loans are eligible for loan forgiveness programs like Public Service Loan Forgiveness, or PSLF. That program aims to incentivize more people to pursue careers in public service by erasing some of their federal loan student debt after a decade of payments.

"I would really urge parents to sit down with their students and take a good look at the nonprofit options for their career path," says Martin Lynch, president of the Financial Counseling Association of America and compliance manager and director of education at Massachusetts-based Cambridge Credit Counseling. "There's a lot of untapped potential to manage student loan debt by starting a career in the nonprofit world. It's just 10 years. ... And then you'd be free to do whatever you want after that. But you also wouldn't be carrying any additional student loan debt into those years."

Direct Unsubsidized Loans

Sometimes a student can receive direct subsidized loan money, but it's not enough to cover their costs. The next option to consider is a direct unsubsidized loan, which is not based on financial need, Green says.

"Direct unsubsidized loans can be combined with those direct subsidized loans to make sure that you've got enough to cover those costs," she says.

Unlike direct subsidized loans, unsubsidized loans are available to both undergraduate and graduate or professional degree students. To be eligible, borrowers must be enrolled at least part time at a college that participates in the direct loan program.

Borrowers do not have to make payments while in school, in deferment or forbearance, but are responsible for paying the interest accrued on unsubsidized loans during all periods. The interest for undergraduate borrowers is the same as subsidized loans, but it's higher for graduate students - currently 7.05%.

Direct subsidized and unsubsidized loans also have annual limits, which are $5,500 for first-year dependent students and $9,500 for first-year independent students.

Direct PLUS Loans

Direct PLUS loans - Parent PLUS and Grad PLUS loans - are available to eligible parents and graduate or professional degree students, respectively. The maximum loan amount borrowers can take out is the total cost of attendance minus any other financial assistance received. That cost is determined by each school.

This type of loan requires a credit check. However, borrowers whose credit score isn't high enough to qualify may still be able to obtain a PLUS loan either through an endorser - which is like a co-signer - or by providing documentation to the Education Department about extenuating circumstances related to their credit.

The interest rate for PLUS loans is 8.05%, in addition to a fee of 4.228% of the loan amount, which is proportionally deducted from the loan each time it is disbursed. Because of this high rate, experts say, many parents struggle to make their payments.

"By setting the rate so high for parents, they're ignoring the fact that parents already have the most obligations of any group," Lynch says. "They have car loans, they have mortgages, are taking care of their kids and they're probably starting to take care of their parents, too. So, yes, they have the most earning power, but they also have the greatest amount of bills."

Direct Consolidations Loans

A direct consolidation loan allows borrowers to combine two or more existing federal student loans in order to lower monthly payments, have a fixed interest rate and gain access to federal forgiveness programs. Most federal student loans qualify for consolidation as long as they are in repayment or in a grace period.

Borrowers qualify for direct loan consolidation after they graduate, leave school or drop below part-time enrollment - circumstances that also trigger the loan repayment process. Note that consolidation could lead to a longer repayment period, higher interest, loss of certain borrower benefits and possibly higher debt in the long run.

Consolidation doesn't require a credit check and there's no application fee. Borrowers can apply directly through the Federal Student Aid website or download and print a paper application to submit via mail to the chosen consolidation servicer.

Best Practices for Borrowers

Sometimes borrowers are eligible for more loans than what's actually needed to cover college costs. And while it can be tempting for borrowers to take out everything they are eligible for, experts advises against it.

"Borrowing a little bit more may not seem like a big deal now, but if you're paying interest on that and if it's adding lengths of time to the student loan repayment period that you'll have, you may end up paying significantly more money for that fast food, shopping or trips with your friends, whatever you end up using those funds for," Miller says.

However, "there are situations where it can make sense if you want to use those funds to make it possible for you to attend school period or to cover living expenses," she adds. "There are a lot of opportunities where that can be beneficial. But I just really encourage borrowers to think about what the long-term effects (are) of taking out more than you need to actually cover your immediate costs."
Trying to fund your education? Get tips and more in the U.S. News Paying for College center.

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Understanding Federal Student Loan Types

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Before taking out a federal student loan, borrowers should first research the four different types.

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If you haven't created a resume yet, or can't find your resume, this is a great outline of an appropriate resume for a high school student.

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Fill out this form if your college has requested a copy of your Q1 grades.

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Google Forms - create and analyze surveys, for free.

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The Occupational Outlook Handbook is the government's premier source of career guidance featuring hundreds of occupations-such as carpenters, teachers, and veterinarians. Revised annually, the latest version contains employment projections for the 2022-32 decade.

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These scholarships are only available to NHS Seniors.

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One for Two Education Foundation Scholarship

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One for Two Education Foundation Scholarship

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The 1 for 2 Education Foundation is seeking highly motivated applicants of accredited U.S. four-year
colleges and universities.

For the 2023 academic year, the Foundation selected a diverse group of four scholars who attended both
public and private high schools from four states. Grants of up to $20,000 per academic year were made
to attend both public and private colleges and universities across the U.S.

For the 2024 academic year, the Foundation intends to award at least two merit-based scholarships. The
size of the individual grants is determined on the basis of tuition remaining after considering all other
forms of tuition assistance obtained by the scholar.

Requirements to Apply:
* An up-to-date official transcript from the current school
* Indicate a commitment to the Foundation's Pledge
* All required application questions must be answered and fields completed
* Applicant must be living in the United States but is not required to be a U.S. citizen or permanent
resident
* The college or university must be in the United States
* GPA must be at least 3.7 unweighted, 4.0 weighted

Application Deadline: February 1, 2024

The Foundation considers the applicant's high school academic record, leadership and community
service activities, and letters of recommendation. Applicants are also assessed on the alignment of their
values with the Foundation's values as it relates to their intention to fulfill their Pledge to the Foundation.
While receiving a scholarship from the Foundation, scholars are required to attend the Foundation's
annual gathering. During this event, scholars will have a chance to meet other scholars, graduates, and
directors. They will also participate in personal development and learning sessions aimed at preparing
them for academic, career, and life goals. The 2024 Gathering is planned for August 1-5, 2024, in
Michigan. All reasonable costs to attend the Gathering are covered by the Foundation.
Applicants are required to make the following pledge:
In consideration of the 1 for 2 Education Foundation ("the Foundation") making this scholarship grant I
pledge to support the mission of the Foundation by:
a) participating in the annual Foundation Gathering while receiving my scholarship,
b) supporting my fellow Foundation Scholars' academic and career goals during my lifetime, and
c) paying for a comparable scholarship grant for two persons, who are not related to me by blood,
adoption, or marriage, during my lifetime.

Application link: Apply Now - 1 For 2 Education Foundation - https://www.1for2edu.com/scholarship/

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One for Two Education Foundation Scholarship - Link for Counselors

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The 1 for 2 Education Foundation is seeking highly motivated applicants of accredited U.S. four-yearcolleges and universities. For the 2023 academic year, the Foundation selected a diverse group of four scholars who attended bothpublic and private high schools from four states.

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Step-By-step guide to completing the FAFSA (February 2022) (1)

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How to Read your Financial Aid Award Letter

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How to Read your Financial Aid Award Letter

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Which parent/guardian should fill out the FAFSA?

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Which parent/guardian should fill out the FAFSA?

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Create your account (FSA ID) to log in to certain U.S. Department of Education online systems and sign student loan documents and the FAFSA® form electronically.

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Federal Student Aid is the largest provider of financial aid for college in the U.S. Understand aid, apply for aid, and manage your student loans today.

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Understanding application fees & fee wavers

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Understanding application fees & fee wavers

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Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

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Application Guide for First Time Students

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Application Guide for First Time Students

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https://www.commonapp.org/apply/first-time-students

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What is Common App?

Each year, more than 1 million students apply to more than 1,000 Common App member colleges worldwide through our online college application platform. Learn more about applying through our first-year application by following our step-by-step guide below.

Create a Common App account

Filling out your application takes time.

And if you have to keep interrupting your progress to find information, like a certificate for a continuing education course or the address of your last internship, it can take even longer. Get a head start by collecting this information before you begin.

A list of your activities, work, and family responsibilities

You can share your interests and who you are outside of the classroom in the activities section. You can share information about things like work, hobbies, clubs, and community engagement. And don't forget, family responsibilities can be important to share as well. This is the place to show colleges what makes you unique!

Creating a Common App account is easy and should only take a few minutes.

You can create a Common App account even if you don't plan on applying for another few months or another few years. You can answer questions in the Common App tab and build a college list at any time.

Create your account and choose your student type

If you haven't yet attended college, select "first-year student"

If you have college credits from dual enrollment high school courses, you should still select "first-year student"

If you have already attended 1 or more colleges after graduating high school, select "transfer student". We also have a separate transfer student guide to help you out.

Create new login credentials. Colleges may need to get in touch with you during the application process, so be mindful of which email address you choose. Sometimes your high school address may filter out these emails, so consider using a personal email address. When choosing an email address, be sure to use one that:

You check regularly

Does not use inappropriate language

You will have access to after you graduate from high school

Complete your registration information

We will need some basic information about you like your name, home address, phone number, and date of birth.

Be sure to use your legal name as it appears on official school documents and standardized tests. This will make sure colleges can match documents to the correct person.

At the end, you will adjust your communication preferences and accept the Common App privacy policy.

Select "create account" and you're done!

Account rollover

Once you've created your account and explored the colleges that accept the Common App, you're ready to start adding colleges.

The College Search tab is where you will search for and add the colleges you want to apply to. If you have a school in mind you can search by name. If you want to keep exploring, you can use the more filters button. Some filters include:

State or country

Distance from a zip code

Enrollment term

Application deadline

Application fees*

Writing requirements

Standardized testing policy

Recommendation requirement

Adding a college is easy! You may add a college using the add button in the search results list. You can also select a college and add them using the "Add to My Colleges" button from their info screen.

Once you've added colleges, you can see them on your Dashboard and in your My Colleges tab. Keep in mind you may only add up to 20 colleges. You may adjust your list of colleges at any time. Once you've submitted, you will not be able to remove those schools from your My Colleges list.
* While some colleges may charge an application fee, others have no fee to apply. And, many will offer fee waivers under certain circumstances, including financial need, veteran status, and more.

Fee Waiver

A request to the college to remove the application fee. Using either the Common App fee waiver, which your counselor must confirm, or a college-specific fee waiver, you will not be required to pay the fee to submit your application.

Coed

Coed is a term used to describe a college or university that offers the integrated education of male and female students in same environment.

All colleges need things like official school forms. Many colleges will also ask for letters of recommendation.

Counselors, teachers, and recommenders will submit these kinds of forms on your behalf. Here are the types of recommenders you can invite in the Common App.

Every college gets to choose their own recommendation requirements. You can find more details on each college's "College Information" page.

If you're planning to apply this school year, you can start inviting recommenders. If you don't plan on applying until next school year or later, skip this step for now.

How to invite and assign recommenders:

1. From the My Colleges tab select a college and open their "Recommenders and FERPA" section.

2. If you have not done so already, you will need to complete the FERPA Release Authorization.

3. Invite recommenders using the invite button from each section. You may also use the "Invite Recommenders" button at the top.

4. Select the type of invitation you would like to send. For each invitation you will need information like their name and email address.

5. After you add a recommender, you can view their info using the Manage Recommenders button.

6. Note that teachers, parents, and other recommenders will not receive an email invitation until you assign them to a college. To assign these recommenders, go to their section within this screen. Select their name from the dropdown and use the assign button.

7. If your high school uses Naviance or another partner software, you will not invite your counselor or teachers here. There will be instructional text on this page explaining what to do next. You will still add other recommenders and advisors using the steps above.

In general, each college has their own recommendation requirements. For example, one college may need two teacher recommendations. Some colleges may not want any teacher recommendations. Colleges can also determine what kinds of other recommenders they want. Some may allow for any recommender type, whereas others only allow an employer recommendation.

It's important to stay organized as you work on your applications.

Each college needs you to complete common questions and add counselor. Beyond that their applications vary. Each college can determine their unique requirements for:

Deadlines

Application Fees

Personal Essay

Courses & Grades

Test Policy

Portfolio

Writing Supplements

Recommendations

Here are some places where you can find each college's specific requirements:

Explore Colleges

Each college's Explore Colleges profile provides lots of information about the college. You can find details on application information, campus culture, scheduling visits, and more.

Requirements Grid

The requirements grid is a comprehensive PDF that lists all the colleges that use the Common App and their requirements. You can also find the grid within the application.

Writing Requirements by College

We maintain a list of all Common App colleges and their essay prompts. This resource will help as you begin planning your essays. For more help on planning essays, check out our essay planning worksheet.

Account rollover

You can save answers to Common App tab questions year over year. So you can get started on things like your personal essay or the activities section at any time.

Responses to questions in your My Colleges do not stay year over year. Only get started on things like college-specific questions, writing supplements, or portfolios if you intend to apply this school year. For more info, check out ouraccount rollover FAQ .

Sometimes writings essays can feel like the biggest part of your application. With a little bit of planning, organizing, and drafting, we can help you make this task more manageable.

As you work on your applications you can find essays or short answer questions in three sections:

College-specific questions

Many colleges include short answer questions or essay prompts within this section. You can find specific information about each college's individual writing prompts here.

Counselor tip

Submission is a three-step process:
1) Reviewing your application.
2) Paying the application fee (if applicable).
3) Submitting your application.

Get ready to begin your journey

Walk through the application with us before you apply.

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application guide for first-year students

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Application guide for first-year students

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College application guide for first-time students applying to college with Common App.

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Understanding testing section in Common App

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Understanding testing section in Common App

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Hartford Foundation for Public Giving - Scholarships

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Find Scholarships for College for FREE | Fastweb

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Fastweb offers students an easy and secure way to find and apply for scholarships. Quickly browse thousands of scholarships by a variety of themes, college major, trade school program, or interest, unique situations and more.

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Top College Scholarships for High School & College Students 2023

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Find the best college scholarships for high school and college students, Black & African American, Hispanic & Latinos, Women, First Generation, Texas, California, Easy, No Essay, Nursing, STEM, and Merit scholarships

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No essay, no minimum GPA or test score, or citizenship requirements. Just follow the steps for chances to win. The more steps you complete and the earlier you start, the more chances you have to win!

How to Qualify

Earn entries in monthly drawings for $500 and $40,000 scholarships by completing the six qualifying steps on BigFuture. If you don't win, your entry rolls over for the next month. To enter without creating an account see official rules.

View Scholarship Details

Increase Your Chances to Win

Students whose families earn less than $60,000 a year have more chances to earn scholarships.

Increase Your Chances

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BigFuture Scholarships: Earn by Planning for College and Career - BigFuture | College Board

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Earn entries for monthly $500 and $40,000 BigFuture Scholarship drawings by completing steps to plan for college and career.

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The SAT supports success in school and can help you on your path to college. Access your My SAT Dashboard to register or send SAT scores.

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act.org,actprofile.org,act.org,actstudent.org,act.alertline.com,services.actstudent.org,career4.successfactors.com,engage.act.org,discoveractaspire.org,qc.vantage.com,myworkkeys.act.org,twitter.com,facebook.com,youtube.com,plus.google.com,linkedin.com,preview.act.org,workreadycommunities.org,pearson.com,instagram.com,actaspire.org,run2.careerready101.com,run2.keytrain.com,leadershipblog.act.org,my.act.org

Next Test Date: February 10
Registration Deadline: January 5

More Information About the ACT Test

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ACT | College and Career Readiness Solutions

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ACT is a mission-driven, nonprofit organization, best known for the ACT test, dedicated to helping people achieve education and workplace success through industry leading college and career readiness solutions.

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Support Test-Optional Admissions
You can help encourage even more colleges and universities to treat applicants as "More Than a Score." Your financial support will allow FairTest to promote test-optional policies at more conferences of admissions policy-makers, reach out to additional higher education leaders and distribute copies of this list to counselors and student advocacy groups. Thank you!
NOTE: This list includes bachelor degree granting institutions that do not require recent U.S. high school graduates applying to start classes in fall 2022 to submit ACT/SAT results. As the end notes indicate, some schools only exempt students who meet minimum grade or class rank criteria; others use test scores solely for placement purposes. Please check with the school's admissions office for details

International applicants should refer to this list compiled by Sarah Loring de Garcia.

The list is organized alphabetically by school - to sort by state, click here. For a print-formatted PDF file click here. Several supplemental files are also available:
Note: Schools with website "Hot Links" have paid a modest fee for this service. Linking does not imply endorsement. If your institution would like to participate in this "Hot Link" program, please contact FairTest at (617) 477-9792 or by clicking CONTACT US at the top of this page.

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FairTest | The National Center for Fair and Open Testing

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You can help encourage even more colleges and universities to treat applicants as "More Than a Score." Your financial support will allow FairTest to promote test-optional policies at more conferences of admissions policy-makers, reach out to additional higher education leaders and distribute copies of this list to counselors and student advocacy groups.

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Learn for free about math, art, computer programming, economics, physics, chemistry, biology, medicine, finance, history, and more. Khan Academy is a nonprofit with the mission of providing a free, world-class education for anyone, anywhere.

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Kaplan Test Prep offers test preparation, practice tests and private tutoring for more than 90 standardized tests.

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CT's Program for FREE Community College

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PACT is "last-dollar funding, meaning it covers the gap between the federal and state grants you receive (Pell and Roberta Willis grants), and the cost of attending community college (tuition and mandatory fees). In order to receive PACT funding, go through the normal process of applying, registering for classes (12+ credits), and filling out the FAFSA. Entry into the program will continue to be accepted on a first-come first-serve basis.

How do I Qualify?

Be a Connecticut High School Graduate

GED and home schooled students qualify

Be a first-time college student

Fill out

FAFSAFree Application for Federal Student Aid (FAFSA), which is used to package federal, state and often institutional aid

and accept all awards

Attend community college full-time (12+ credits/semester)

Participate in a degree or credit-bearing certificate program

Once Enrolled, remain in good academic standing

Get Started

Select a College

Apply Online

Fill out

FAFSAFree Application for Federal Student Aid (FAFSA), which is used to package federal, state and often institutional aid

Register Now for Priority Consideration

to receive priority consideration, register now for 12+ credits

Good academic standing

Once Enrolled, remain in good academic standing

Why PACT?

PACT is our Pledge to Advance Connecticut through a unified, consistent community college system that is accessible, inclusive, and affordable-while maintaining excellence in education. We invite Connecticut residents to gain a degree or certificate towards reaching full potential, and creating a future filled with opportunity and achievement. An investment in education pays off not only for individuals, but for our state as a whole.

PACT is our pledge to support the state's advancement - with productive citizens and skilled workers who can fill the many jobs developed by our innovative business community. PACT is our pledge to advance the unity of our communities, working together to ensure Connecticut maintains its competitive edge; holding high standards and strengthening its entrepreneurial, innovative, and inventive spirit.
PACT Manual (pdf)

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Connecticut Board of Regents for Higher Education

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PACT - Connecticut's Free Community College Program

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Connecticut community colleges are making it possible for all Connecticut residents who qualify to achieve a degree or certificate regardless of their ability to pay, and without taking on debt. PACT will launch in early 2020, to support students who are entering the Fall 2020 semester.

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Marines.mil - Official website of the United States Marine Corps

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The official website of the United States Marine Corps

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The Official Home Page of the United States Army

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The latest news, images, videos, career information, and links from the U.S. Army.

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FIVE PATHS TO GREATNESS. ONE U.S. AIR FORCE.

The mission of the United States Air Force is to fly, fight and win - airpower anytime, anywhere. Whether full time, part time, volunteer, in or out of uniform, everyone who serves plays a critical role in helping us achieve mission success.

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Welcome to the United States Air Force. Learn about great opportunities for enlisted airmen, officers and health care professionals.

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The U.S. military has six branches of service: the Army, Navy, Air Force, Coast Guard, Marine Corps, and Space Force. The requirements to join are similar for all six, but there are differences in age limits, test scores, and fitness levels. You can apply online or through a recruiter.

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The Armed Services Vocational Aptitude Battery (ASVAB) is a multiple-aptitude battery that measures developed abilities and helps predict future academic and occupational success in the military. It is administered annually to more than one million military applicants, high school, and post-secondary students.

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ENTER AS AN APPLICANT ENTER AS A RECRUITER ENTER AS A COUNSELOR & EDUCATOR ENTER AS A RESEARCHER ENTER AS AN

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The Gap Year Association is a nonprofit membership community for educators, students, gap year programs, and post-secondary institutions with a shared VISION of making at least a semester of quality gap year time accessible to every high school graduate.

Recognized by the US Department of Justice and the US Federal Trade Commission as the Standards Development Organization for gap year education, the Gap Year Association oversees a robust accreditation process for gap year providers and consultants.

Our MISSION is to maximize the potential of young adults through accessible and meaningful gap year opportunities.

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Gap Year Association - Gap Year Association

# data[].attributes.attachment_link.description
The Gap Year Association is a nonprofit membership community for educators, students, gap year programs, and post-secondary institutions with a shared VISION of making at least a semester of quality gap year time accessible to every high school graduate.

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Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site.