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April 21, 2014

Andrew Silow-Carroll: Passoverkill? Suggestions to make next year's seders even more culturally sensitive

Sara Israelsen Hartley: Seeking the Divine: An ancient connection in a new context

Christine M. Flowers: Priest's execution in Syria should be call to action

Courtnie Erickson: How to help kids accept the poor decisions of others

Lizette Borreli: A Glass Of Milk A Day Keeps Knee Arthritis At Bay

Lizette Borreli: 5 Health Conditions Your Breath Knows Before You Do

The Kosher Gourmet by Betty Rosbottom Coconut Walnut Bars' golden brown morsels are a beautifully balanced delectable delight

April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review

How some families pay less for college than others

By Jon Marcus and Holly K. Hacker




New website is empowering university applicants


JewishWorldReview.com |

W ASHINGTON— (MCT) The sticker price at Pennsylvania State University runs about $30,000 a year for in-state students.

At Swarthmore College, it's nearly twice that. Yet Swarthmore ends up being cheaper for most students. That's because this private liberal arts college near Philadelphia offers many families a hefty discount, bringing down the average cost to even less than taxpayer-subsidized Penn State's.

This kind of information used to be hard or impossible to find because colleges don't always want people knowing what they really pay — or that some families may be paying a lot less than others. But now the U.S. Department of Education collects this information, and Hechinger is making it available in even more detail through our Tuition Tracker database, at http://www.tuitiontracker.org/.

As part of a sweeping yet little-noticed higher education law from 2008, colleges and universities must report their out-of-pocket cost to students — the so-called "net price." They also must disclose how much they charge families in different income brackets.

The sticker price includes tuition and fees, room and board, books and other expenses. The net price is what students actually pay — either out of their own pockets, their parents' or by taking out loans — after subtracting grants or scholarships.

The idea behind publicizing the net price is to give families better information as they shop for colleges and, as the late Sen. Edward Kennedy of Massachusetts explained when the federal legislation was passed, to "promote an environment where colleges think carefully before they raise their prices."

Some schools have since moved to limit cost increases, but it's unclear how much the publication of net price data has driven that restraint. The Education Department won't say how many people use the two principal websites through which it provides this information, College Navigator and College Scorecard.

Whatever those numbers are, they are so low that they aren't even tracked by services that rate Internet traffic.

What the data show is that, at Swarthmore, for example, students from families earning between $48,000 and $75,000 received enough grant and scholarship money to bring their average net price below $12,000 per year. At the seemingly more affordable Penn State, in-state students from the same income bracket paid a net price nearly twice that.

These net price figures aren't perfect. They're reported only for full-time, first-time college students — freshmen, typically. Part-timers, transfers and returning students aren't included.

Plus, these net prices sorted by family income only take into account students who applied for and received federal financial aid. Because most federal aid is need-based, the data tend to capture more low- and middle-income students, as opposed to high-income ones.

Still, it's low-income students who can benefit the most from understanding the difference between sticker price and net price. Many high-achieving low income students don't even try to get into the Dartmouths and Dukes of the world as their wealthier peers do, a study last year by researchers at Stanford and Harvard found. Among the reasons: They get scared off by the high sticker prices and don't bother to apply, unaware they'd likely qualify for a lot of financial aid.


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As it turns out, those very selective colleges would probably be more affordable than the less selective schools where many talented low-income students end up.

Of course, this confusion would not exist if colleges published their net prices rather than the sticker prices that few students actually pay. But colleges cling to their sticker prices because, among other reasons, many families respond to the psychological appeal of getting discounts in the same way shoppers flock to the sales at Macy's.

The schools also know that some students and their parents can afford to pay the sticker price, or close to it. And they increasingly need that revenue. Among other things, colleges can use it to give financial aid to lower income students, or others they want to recruit.

It's part of a murky system of subsidies under which wealthier students subsidize their lower income classmates, out-of-state students subsidize in-state ones, humanities majors subsidize science majors, freshmen and sophomores subsidize juniors and seniors, and international students subsidize everyone.

A few colleges, however — including Concordia University, Saint Paul, and some small private colleges that have had trouble meeting their enrollment goals — have lowered their sticker prices because they'd become so high that they were scaring families away. And almost nobody paid them anyway.

In short, like airlines that charge different amounts for seats on the same flights, colleges charge students different amounts to take the same classes and earn the same degrees.

Mark Kantrowitz, a national expert and author on financial aid, advises students to apply to the schools that appeal to them, no matter the published price.

"If a school wants to recruit you," he said, "they're going to leverage the financial aid to get you to go."

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© 2014, The Hechinger Report Distributed by MCT Information Services

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