Student Tips: Paying for school and student loans

A few students who applied to SCI-Arc as transfer students, couldn't make it here even after they got accepted, because of finances. I thought of sharing some experiences that could help you organize yourself financially so you could receive a very good education.

I can't stress enough how important it is to apply to multiple schools. My friends I spoke of above were all ready to move to LA. They were looking for car movers and places to rent. Then something unexpected happened. Their student loans got rejected. If SCI-Arc was the only school they applied to, today they would be without a school. Thankfully they had applied to UF and got admitted there as well so it worked out for them.

The second thing I can't stress enough about is to have a strong application along with a very good letter of intent, an excellent portfolio and very good recommendation letters. This will increase your chances of winning a scholarship from the school. If you are eligible for academic scholarships or any scholarships for that matter, you should apply. You should aim for a scholarship that will cover most, if not all, of your tuition.

Next step would be to apply for federal aid - FAFSA. One of the most important steps in applying to college is filing your FAFSA (Free Application for Federal Student Aid). You will need your tax information from the previous year to file the FAFSA. All details about filing for FAFSA can be found in their website here. If you want help filing your FAFSA usually the school financial aid office can help you with this. But trust me, you can fill it on your own online, just read the instructions carefully.

Then you should apply for financial aid with your school. Usually, all schools have a set of documents they would require you to fill for financial aid. These documents can be found at the financial aid office of the school and there will be staff who can help you with this. You should talk to them and don't be afraid to ask questions until you have absolute clarity. Remember, when in doubt, and that you will be, ask for them. Financial aid applications and the process can be confusing. Take time to do it. Don't miss the deadlines because money gets allocated pretty fast.

Between federal aid and financial aid with school, you should get a combination of grants, scholarships and loans. There are various grants like Pell Grant and grants from the school that you don't have to pay back. There are loans from the federal government such as the Stafford loans and PLUS loan. Based on if you are an independent student or a dependent student, you should get a combination of these options that should cover a good chunk of your tuition and other study expenses.

I fit in the category of an independent student because I file taxes on my own and I'm married. Your financial aid from the government and the school will vary greatly upon your dependent status.

Until I started at SCI-Arc, I didn't have any student loans. But, like any private school, SCI-Arc's high tuition required me to seek loans to pay the tuition. I'm taking all the Stafford loans they are offering me and I had to take out a private loan to pay the Summer tuition.

As far as I know, there are 3 types of federal student loans. The subsidized Stafford loan, the unsubsidized Stafford loan and the PLUS loan. Click here to read more about the Stafford loans & the PLUS loans.

Private loans are a bit tricky. Usually your school can provide you a list of approved or preferred lenders. This list will usually consist of a few banks and specialized student loan providers like Sallie Mae. I went with Sallie Mae because they know the drill about student loans, that's their specialty so they know the kind of problems you face and they know how to find solutions faster. They are pretty quick in processing the loans too.

The main thing to remember about student loans is that you have a good credit score and if you have a co-signer, that they have a good credit score and a good pay stub to show to the bank. I would check with the school before applying for the loan just to make sure that your chances of getting the loan approved is pretty good.

You have also remember, you may have to chase the bank and the financial aid office to see through that the loan money gets dispensed on time. So be on top of them.

As you can see, you have to be quite organized with the whole process. Do your research. Read on line, talk to people. Be careful not to apply for too much money in loans than you actually, absolutely need. You don't want to graduate and walk out with $ 150,000 in debt and not know how to pay it off. Loan Payment calculators such as this, can help you figure out how much money you will be repaying over how long.

Good luck and let me know if you have any questions :)

SCI-Arc experience: The move & week 1

So I picked SCI-Arc to finish my degree. I moved to LA 19 days ago. A big change. Miami is a small place compared to LA. And moving was hectic. For about 3 weeks prior to the move was when I finally got all the info from SCI-Arc. Like I said in one of my previous posts, one of the things about SCI-Arc is that their decision making process is very slow and the wait is painfully long. But in the end it ended up being worth it. I got a very good scholarship and good financial aid. Everyone was very helpful in getting the documents processed.

To give you an idea of how I planned the move and everything, this is the time-line. (**Note: I started from week minus seven working up to week zero being the week I actually moved**)

Week -7:
Order packing kit. Think about drawing out an initial moving plan and do the math to see how much money I can spend on the move, etc. Start researching which areas in LA are good to living, read reviews, check prices, look for pet friendly places, etc. Craigslist.com & apartments.com was very helpful for this research.

Week -6:
Schedule appointments for house hunting. Start initial packing & pre-packing sorting process

Week -5:
Trip to LA for house hunting. I had short listed 16 places and actually visited 8 places. But I found a place I like the very 1st day and on the 4th day before I left I went back to this place and we put down the deposit, etc. Make sure to take checks with you for deposits.

Week-4: Looked for movers, car shipping company. Read reviews online. Check with Better Business Bureau to see if they have any complains, etc and address the issues.

Week -3: Decision from SCI-Arc, along with placement & scholarship information received. Time to pack, pack, pack

Week -2: Finalize the movers and sign contracts, etc. Pack, pack, pack!!!

Week -1: Finish packing. Ship the car & the household items

Week 0: Move

Week 1: First week in LA
Took time to adjust - the time change and all. But everything went well. Car movers were ok, household movers were splendid. (if you want references, email me)

Week2: SCI-Arc Summer transfer session started
So the first week at school has been great. I love the instructors we have. I was recommended to take only 1 class out of 4 classes by the application review committee. So my load has been pretty easy. I'm already learning Maya & Rhino. It's very exciting.

keep checking back for more updates... I promise to post more regularly...... :)

Student Tips: Picking the right school

After submitting all applications and fulfilling the application requirements, then came the time for waiting.... Finally when I've heard back from all the schools I had to make a decision. I'm sharing a few things about that process.

• Always apply to more than one college. Don't put all your eggs in one basket. I know a few people who applied to only one school and they got turned down/ rejected and then they have to wait a whole year to apply again.

• Even if you apply to just one school and get accepted, having a few options to choose from works better because you may get more scholarships or financial aid from different schools.

• You should visit the schools you are applying to. You have to see if you like the place. Also speak to an academic adviser to see if there are any classes you can or should take before you transfer into the upper division school.

• Get your parents and family involved in making the decision.
  

• Needless to say, financial aid & scholarship money play a big role in the decision.

• You should research the living expenses in the city your school is at. Consider rent, food expenses, distance to school that affects the gas money, etc.
  

• Placement: most private schools evaluate to see which studio class they are going to place you in. You should make a case to them that you don't want to repeat a class you've taken already. This will save you time and money.
  

• Before you make definitive plans, check to see if your scholarships and financial aid from school/ federal government fills the tuition, fees, books & materials, room & board & other expenses. If it doesn't, then you may have to get private loans. Check to see if you qualify for a loan and if you would get approved.
  

• Research the city you are moving to. It should be safe and you should like living there. Being in a new city, without family and friends, starting at 3rd yr can be really tough. So you have to be mentally prepared to handle all of these.
  

Last 3 yrs of the Bachelors of Architecture program can be very challenging. So make the decision carefully. After all, you are chasing your dream and you should be able to enjoy the ride...

College Review: A student perspective - University of Miami

University of Miami (UM)

**Please note this review is mainly from a transfer student's perspective.

Location: Coral Gables, Miami

Degrees offered: B. Arch & M. Arch

# of Faculty: 75 full-time and part-time faculty and 7 associated faculty, collaborative associations among faculty and students are the norm. Of the 33 full-time faculty, 72% are involved in professional practice, 75% have terminal degrees in the discipline and the remaining 25% have terminal degrees in related fields, including fine art, art history or planning.

# of Students: nearly 400 students

Class size: small class sizes - around 10 students per studio

Cost: undergrad 2010/2011 Academic year

• Tuition - $ 38440 / yr
  
• Fees - $ 1214 / yr
  
• Books & Material - $ 4000 a semester ( from my experience this is actually like $ 6000 a yr but could be more)

Click here for all price details

Financial Aid & Scholarships: Available. Click here

Application Requirements: Application to UM (Common Application), Application to School of Architecture, Application fee, 3 academic recommendation letters, Letter of intent, resume, Portfolio, Letter from the dean of student services, transcripts. Click here for detailed description of transfer applicant requirements

Deadlines: Undergrad transfer Click here , Undergrad freshman click here.

Pros: Small class sizes, professional degree, aimed at professional practicing. Very convenient and beautiful location, the real college experience, experienced professional faculty

Cons: I loved the school setting so I am going to be bias. The biggest drawback would be the high cost.

Notes: Set in beautiful Coral Gables, a wonderful and a convenient location, UM is a school that offers small class sizes and probably the best Architecture undergraduate experience in Miami. A good place to study if you are planning to become a practitioner. Make sure to meet the dean of student affairs and find out what classes they will accept and what classes you can take before you transfer there. Their staff is very, very helpful.

Thought of the day

It is important to be informed so you can make up your own mind and form an opinion. Not just any opinion, an educated opinion that YOU made and not an opinion made FOR you by someone else. It is also important to be open to new possibilities. All around us we see there are infinite possibilities in life. So your opinions could change over time. It is OK. We are all evolving all the time.

College Review: A student perspective - SCI-Arc

I'm in California right now with a group from my school. We visited SCI-Arc (Southern California Institute of Architecture) yesterday. After the visit, I got an idea to review a bunch of schools I've visited. So let me start with SciARC

SCI-Arc

Location: Downtown Los Angeles, California
Degrees offered: B. Arch & M. Arch
# of Faculty: 85
# of Students: 500 (50% B. Arch 50% M. Arch)
Class size: 15 - 18 students undergrad
Cost: undergrad 2010/2011 Academic year

• Tuition - $ 15,125 per semester ($ 3o,250 / yr)
• Fees - $ 200 ($ 400 / yr)
• Books & Material - $ 4000 a semester ( from my experience this is actually like $ 6000 a yr but could be more)

Click here for all price details

Financial Aid & Scholarships: Available
Application Requirements: Application, Application fee, 3 recommendation letters, Letter of intent, resume, Portfolio, transcripts
Deadlines: Click here

Pros: Small & close knit architecture community, latest technology - equipment and software, lots of visiting lectures, All the professors are practitioners so you can land on internships and actual projects easily. Did I mention latest technology? You can bring your pets to school. They bring in the big guns to do the final thesis reviews like Thom Mayne.

Cons: Hmm... this is a tough one because I loved it there. But not everyone may like the warehouse-look of the building. It's a quarter mile long old warehouse building, nothing fancy on the outside. I would say looks definitely are deceiving - its like a nerd's dream school :) One more thing is that it's located in the warehouse district so not your fancy-neighborhood school. But most architecture students care less about stuff like these - I didn't find this a reason why I wouldn't go there. It's a private university. So it is a bit expensive. This is a bit of a draw back considering the high cost of living in LA. But it would be an investment in your future.

Notes: Like I said, I loved it. Los Angeles is full of architecture and SCI-Arc is definitely the place to be. I was there at SCI-Arc when the finals were going on, so it was intense. You can feel the intellectual intensity in the air. They have a bunch of installations inside the school and in the parking lot - made by students with faculty's help. They have a gallery with exhibits. They have their own library, supply store, print shop, workshop with industrial grade wood and metal tools, many 3D printers, etc. (Read more about the full list of resources here). They are bringing in 6 or 7 robotic arms that will be installed in May 2011. So latest technology ! You get to work with software like Rhino, Maya, 3D Max, Grasshopper and more. Very computer intensive environment. Students work hard - almost every single one I met and I like that about SCI-Arc. If you are serious about architecture, you want an experimental design experience, and a non conventional educational institute then you should check them out.

Student Tips - How to write a letter of intent

Blogger has a very useful tool that shows me what keywords people are searching for and other useful statistics. So I saw someone searched how to write a letter of intent and I thought what a great idea, let me write about that !!

Writing doesn't come naturally to me but I am somewhat articulate in my verbal communication. So I'm using that strong trait and I'm writing as if I'm speaking. Writing this blog definitely helped me get comfortable with the whole idea of writing. I sometimes have my husband or my friends read over and give me feedback so I'm becoming more and more confident on my style. I suggest everyone take up at least writing a journal so you get used to expressing yourself well.

Getting back to the point, a letter of intent (or a statement of purpose) is something most schools require you to do as a part of the application documentation. They want to hear what you have to say, why are you studying what you are studying, what makes you unique and what should they take you.

When SciARC visited our school in February, they said don't be afraid to show who you really are; it's better to go on the bragging side. Show why and how you are unique. One of the most common "cheesy" reasons student give as what got them into architecture was playing with Lego as a kid and SciARC said, stay away from that.

I had trouble writing down all the accomplishments without sounding like bragging. I like to be modest and that totally felt wrong. So one day I got an inspiration to write it from the third person's perspective - meaning referring to myself as she and her. In the end, I produced a pretty cool letter of intent. Some people felt it was a bit flamboyant - some loved it. Most importantly, I found a way to express everything i wanted to say and who I am in a single piece of paper and I love how it came out.

The thing about writing is, from the little bit I know, you have to find your own voice. I guess this is true about many things. We, as architecture students, constantly look to find our own unique style. Creativity has a lot to do with the unique language / voice / style.

Take time to write the letter of intent. Don't try to wing it or come out with it in 2 hours. Some people naturally have this ability - but I think most architects do not. So ponder on what you want to say (you can't tell your entire life story in it) and how you want to say it.

Here's a link on some general tips: http://www.ehow.com/about_5068239_letter-intent-college.html

Good luck..!!!