Posts by CelticCollegeConsultants

Get in the Groove to Succeed at Life (and School)!!

By on Aug 24, 2017 in Blog, Newest Article |

Get in the Groove to Succeed at Life (and School)!!   As I see it, we humans have two choices.  We can do the things that will make us successful, or we can be miserable.  For those who aren’t sure, please watch: 7 Ways to be Miserable  Then you’ll see just how to ruin, eh hmmm, improve your life. In fact, setting clearly defined goals and a set daily rhythm is a  GREAT way to start your school year.  Even the most accomplished among us can improve their way of life, so take a few minutes to explore – What’s my sleep cycle like?  If you’d like to reek havoc on your life, be more depressed and less productive, have an irregular sleep cycle.  Keep your body confused about when to rest and when to rise, and you’ll be more miserable by the day.  Happily, it only takes three days/nights to “reset” your body clock.  So, determine the optimum time to arise in the morning, count back 8 1/2 hours, and set that as your bedtime.  The MOST important set time in your day is your bedtime.  Give yourself half an hour to wrap up your day and get ready for bed, then let your head fall gently on your pillow.  If you need more sleep, adjust the plan accordingly. Do I ever get moving?  Feeling good involves getting your motor running.  Just pouring coffee down your throat to wash down your sugar laden “breakfast” will not do the trick.  God gave us bodies on purpose.  In order to get our minds working, able to focus and concentrate, settle our moods, slow down our fidgets, get out and walk, run, swim, bike, etc.  Take a good half hour every morning to move your body.  Then, take a refreshing shower, eat a decent breakfast (which you’ll be more interested in after exercising than you typically are), and get on with your day. Is silence my friend?  Our worlds are NOISY!!!  I can’t get a moment to clear my head, can you??  Integrating time in silence each day is calming, centering, and enables our minds to rest.  Meditation or prayer or Scriptural or spiritual reading can be part of this time, but they...

Read More – Scholarships or Sham???

By on Aug 24, 2017 in Blog, Newest Article | – Scholarships or Sham??? sounds great!  Who doesn’t want to be rewarded for their efforts?  The idea of getting “micro-scholarships” for getting good grades, etc. sounds ideal.  A little too ideal, perhaps.  Let’s take a look… was founded in 2012.  It’s a site where students can create a profile and enter in their achievements.  Participating colleges (there are over 200 so far) promise students micro-scholarships based on their achievements (getting an A in a class, for example) starting in the 9th grade.  Of course, the students must be accepted at a given school in order to “receive” the micro-scholarships based on his or her raise.meaccount. On the one hand, students are encouraged to do well throughout their high school careers by receiving the promise of awards.  Hopefully, this will encourage students to excel in their studies.  Students are rewarded for good grades, community service, working, taking tests (PSAT, ACT, AP, SAT, etc.), and extracurricular activities. On the other, the pressure of looming college applications is now obvious to students at an earlier age.  Some argue that this program puts too much pressure on younger students who should be exploring, etc.  However, by freshman year in college, I believe students should be maturing and developing a strong sense of cause and effect and the impact that their choices of today make on the opportunities, or lack thereof, of tomorrow. Colleges pay a fee to participate. Apparently, is a mechanism they can use to attract students.  Colleges set the value of the various rewards, or micro-scholarships they offer, so have a way to attract the attention of students and compete with other colleges for their attention.  After all, who doesn’t think well of a school after seeing the message pop up that says, “Great job!  $500 from XYZ University for you!” I am unable to find any information regarding how the scholarships relate to the overall financial aid package.  Based on my experience as a college consultant, I am skeptical that students with accounts are receiving any more aid than they would have if they had not had an account. So, the information regarding Raise.Me is inconclusive.  it might be a helpful tool to encourage a student, but will it have any real impact on the...

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FAFSA, More Changes 2017

By on Aug 24, 2017 in Blog, Newest Article |

FAFSA, More Changes 2017  The only thing true about college is that things are always changing. The DRT/Data Retrieval Tool was introduced a few years ago to help families pull information from their tax returns into the FAFSA forms.  It was designed to eliminate the need for verification since the information was coming directly from the IRS.  However, there were significant security issues last year.  So, the DRT was turned off and many FAFSA filers were not able to use it. In the interim, the IRS and Department of Education made changes in order to “enhance the security and privacy of the sensitive personal data transferred into the FAFSA form from the IRS.”  Starting this year, the information brought over will be encrypted.  Users will be unable to see the data when they access their tax forms with the DRT and the information will remain encrypted when it is transferred to the FAFSA.  The data entry fields will show “Transferred from the IRS” instead of the data.  The colleges will be able to see the actual data and make any adjustments required. Since the information will be encrypted, some changes need to be made both in the “income earned from work” questions and in the instance of IRA rollovers.  Because the FAFSA formula gives an allowance for the extra costs incurred when both parents are working, parents have to enter in how much each made from working.  In the past, the combined income was transferred from the joint tax return.  Now, the amount earned from work by each parent will need to be entered in manually.  In the event of IRA rollovers, parents (and students, if applicable) will need to indicate whether or not an IRA distribution includes a rollover.  If it does, the amount of the rollover will need to be indicated.  The processor will then deduct the amount “rolled over” from the total in the income calculations. One problematic outcome of this change is that the correlation between income and the EFC will not be evident since the income data will be encrypted.  Manual calculations will be necessary.  If you need help in this regard, please contact Katherine O’Brien directly...

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Preparing for College

By on Jul 12, 2017 in Blog |

Preparing for CollegeCollege is often considered a milestone by many people – and that’s why it’s important not only for students to prepare but for their families as well. There are a lot of factors involved in going to college: figuring out how one is going to pay fees, finding accommodation (if the college doesn’t necessarily provide on-campus accommodation to all students) and of course, going through the mental steps of preparing for one of the biggest changes in life. College Prep ServicesCollege prep services are designed to help both students and their families consider the road ahead and prepare for it, whether it be financial, practically or on an emotional level. Some of this may involve financial advice, but counseling is also a part of the package depending on what you’re looking for. Some points can involve: Taking a look at the admissions timetable of colleges so that everything is in order and no deadlines are missed. ACT/SAT registration (if that hasn’t been done already). Academic resume consultation: this can be a particularly long process depending on what the prospective student has done, so it is a good idea to have an organized professional take a look through everything and see what the best points are that will stand out. College Fund PlanningCollege fund planning is to ensure that finances are managed in a smart way to ensure that all fees are paid on time and unnecessary debts aren’t gathered. This is particularly important for low-income families who can highly benefit from strategic income and asset planning. It will help students see what sort of aid they can get from government and private institutions and provide information about things like grants, scholarships and the different types of reduced-interest loans that are sometimes available to first-time and mature...

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It’s Not Too Soon

By on Jun 22, 2017 in Blog |

It’s Not Too Soon Planning for college is a very important step for every individual. A lot of families start saving up and planning for their children’s’ future early on and if you are already in high school, it is time for you to start considering your choices, especially if you are a junior or senior. Even though it might seem like there’s still a lot of time ahead before you have to make any decisions, it is never too early to start doing some research. Taking the time to gather information about college might seem useless at first, especially considering the months or even years you have ahead, but it will definitely pay off when the time to make a decision comes. If you take the time to get prepared, you will be able to make the best decision possible, rather than having to choose from a limited amount of options, or even worse, having no choice at all. Celtic College Consultants is a company that understands this process and helps people just like yourself figure out everything regarding college. With expertise on subjects that go from types of majors to loans and scholarships, they will be very helpful in your quest to get all the information you need to make that final decision. If you are ready to start your trip on the college experience, these are the guys you will want to contact. They will be able to help you get on the right path towards making your dreams come true without ending up with an unbelievable student loan or putting that load unto your parents’ shoulders. You will be able to take a quick test to assess how prepared you are for college and will start working with you based on this. With their help, you will be able to find the right program, the right school and the right financial...

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