Friday, March 15, 2013

U.S. Department of Education Web Sites

http://familypolicy.ed.gov/content/ferpa-general-guidance-parents

FERPA General Guidance for Parents       
PDF (41 KB)
En español  PDF
The following guidance provides parents with general information about the Family Educational Rights and Privacy Act (FERPA). This document is a compilation and update of various letters and guidance documents previously issued that respond to a variety of questions about FERPA. While this guidance reflects our best and most current interpretation of applicable FERPA requirements, it does not supersede the statute or regulations. We will attempt to update this document from time to time in response to questions and concerns.
FERPA is a Federal law that is administered by the Family Policy Compliance Office (Office) in the U.S. Department of Education (Department). 20 U.S.C. § 1232g; 34 CFR Part 99. FERPA applies to educational agencies and institutions (e.g., schools) that receive funding under any program administered by the Department. Private and parochial schools at the elementary and secondary levels generally do not receive such funding and are, therefore, not subject to FERPA.
FERPA gives custodial and noncustodial parents alike certain rights with respect to their children's education records, unless a school is provided with evidence that there is a court order or State law that specifically provides to the contrary. Otherwise, both custodial and noncustodial parents have the right to access their children's education records, the right to seek to have the records amended, the right to consent to disclosure of personally identifiable information from the records (except in certain circumstances specified in the FERPA regulations, some of which are discussed below), and the right to file a complaint with the Department. When a student reaches 18 years of age or attends a postsecondary institution, he or she becomes an "eligible student," and all rights under FERPA transfer from the parent to the student. The term "education records" is defined as those records that contain information directly related to a student and which are maintained by an educational agency or institution or by a party acting for the agency or institution.
FERPA generally prohibits the improper disclosure of personally identifiable information derived from education records. Thus, information that an official obtained through personal knowledge or observation, or has heard orally from others, is not protected under FERPA. This remains applicable even if education records exist which contain that information, unless the official had an official role in making a determination that generated a protected education record.
Under FERPA, a school is not generally required to maintain particular education records or education records that contain specific information. Rather, a school is required to provide certain privacy protections for those education records that it does maintain. Also, unless there is an outstanding request by a parent to inspect and review education records, FERPA permits the school to destroy such records without notice to the parent.

Access to Education Records

Under FERPA, a school must provide a parent with an opportunity to inspect and review his or her child's education records within 45 days following its receipt of a request. A school is required to provide a parent with copies of education records, or make other arrangements, if a failure to do so would effectively prevent the parent from obtaining access to the records. A case in point would be a situation in which the parent does not live within commuting distance of the school.
A school is not generally required by FERPA to provide a parent with access to school calendars or general notices such as announcements of parent-teacher meetings or extra-curricular activities. That type of information is not generally directly related to an individual student and, therefore, does not meet the definition of an education record.
Under FERPA, a school is not required to provide information that is not maintained or to create education records in response to a parent's request. Accordingly, a school is not required to provide a parent with updates on his or her child's progress in school unless such information already exists in the form of an education record.

Amendment of Education Records

Under FERPA, a parent has the right to request that inaccurate or misleading information in his or her child's education records be amended. While a school is not required to amend education records in accordance with a parent's request, the school is required to consider the request. If the school decides not to amend a record in accordance with a parent's request, the school must inform the parent of his or her right to a hearing on the matter. If, as a result of the hearing, the school still decides not to amend the record, the parent has the right to insert a statement in the record setting forth his or her views. That statement must remain with the contested part of the student's record for as long as the record is maintained.
However, while the FERPA amendment procedure may be used to challenge facts that are inaccurately recorded, it may not be used to challenge a grade, an opinion, or a substantive decision made by a school about a student. FERPA was intended to require only that schools conform to fair recordkeeping practices and not to override the accepted standards and procedures for making academic assessments, disciplinary rulings, or placement determinations. Thus, while FERPA affords parents the right to seek to amend education records which contain inaccurate information, this right cannot be used to challenge a grade, an individual's opinion, or a substantive decision made by a school about a student. Additionally, if FERPA's amendment procedures are not applicable to a parent's request for amendment of education records, the school is not required under FERPA to hold a hearing on the matter.

Disclosure of Education Records

Under FERPA, a school may not generally disclose personally identifiable information from a minor student's education records to a third party unless the student's parent has provided written consent. However, there are a number of exceptions to FERPA's prohibition against non-consensual disclosure of personally identifiable information from education records. Under these exceptions, schools are permitted to disclose personally identifiable information from education records without consent, though they are not required to do so by FERPA. Following is general information regarding some of these exceptions.
One of the exceptions to the prior written consent requirement in FERPA allows "school officials," including teachers, within a school to obtain access to personally identifiable information contained in education records provided the school has determined that they have "legitimate educational interest" in the information. Although the term "school official" is not defined in the statute or regulations, this Office generally interprets the term to include parties such as: a teacher; administrator; board member; support or clerical staff; attorney; nurse and health staff; counselor; human resources staff; information systems specialist; school security personnel; and a contractor, consultant, volunteer or other party to whom the school has outsourced institutional services or functions.
A school may disclose personally identifiable information from education records without consent to a "school official" under this exception only if the school has first determined that the official has a "legitimate educational interest" in obtaining access to the information for the school. A school that allows school officials to obtain access to personally identifiable information contained in education records under this exception must include in its annual notification of FERPA rights a specification of its criteria for determining who constitutes a "school official" and what constitutes "legitimate educational interests." A school official generally has a legitimate educational interest if the official needs to review an education record in order to fulfill his or her professional responsibility.
Another exception permits a school to disclose personally identifiable information from a student's education records, without consent, to another school in which the student seeks or intends to enroll. The sending school may make the disclosure if it has included in its annual notification of rights a statement that it forwards education records in such circumstances. Otherwise, the school must make a reasonable attempt to notify the parent in advance of making the disclosure, unless the parent or eligible student has initiated the disclosure. The school must also provide a parent with a copy of the records that were released if requested by the parent.
FERPA permits a school non-consensually to disclose personally identifiable information from a student's education records when such information has been appropriately designated as directory information. "Directory information" is defined as information contained in the education records of a student that would not generally be considered harmful or an invasion of privacy if disclosed. Directory information could include information such as the student's name, address, e-mail address, telephone listing, date and place of birth, major field of study, participation in officially recognized activities and sports, weight and height of members of athletic teams, dates of attendance, degrees and awards received, the most recent previous educational agency or institution attended, photograph, grade level (such as 11th grade or junior year), and enrollment status (full-time or part-time).
A school may disclose directory information without consent if it has given public notice of the types of information it has designated as directory information, the parent's right to restrict the disclosure of such information, and the period of time within which a parent has to notify the school that he or she does not want any or all of those types of information designated as directory information. Also, FERPA does not require a school to notify parents individually of the types of information it has designated as directory information. Rather, the school may provide this notice by any means likely to inform parents of the types of information it has designated as directory information.
FERPA also permits a school to disclose personally identifiable information from education records of an "eligible student" (a student age 18 or older or enrolled in a postsecondary institution at any age) to his or her parents if the student is a "dependent student" as that term is defined in Section 152 of the Internal Revenue Code. Generally, if either parent has claimed the student as a dependent on the parent's most recent income tax statement, the school may non-consensually disclose the student's education records to both parents.
There are several other exceptions to FERPA's prohibition against non-consensual disclosure of personally identifiable information from education records, some of which are briefly mentioned below. Under certain conditions (specified in the FERPA regulations, 34 CFR Part 99), a school may non-consensually disclose personally identifiable information from education records:
  • to authorized representatives of the Comptroller General of the United States, the Attorney General of the United States, the U.S. Secretary of Education, and State and local educational authorities for audit or evaluation of Federal or State supported education programs, or for the enforcement of or compliance with Federal legal requirements that relate to those programs;
  • in connection with financial aid for which the student has applied or received;
  • to state and local authorities pursuant to a State statute concerning the juvenile justice system and the system's ability to effectively serve the student whose records are being disclosed;
  • to organizations conducting studies for or on behalf of the school making the disclosure for the purposes of administering predictive tests, administering student aid programs, or improving instruction;
  • to comply with a judicial order or a lawfully issued subpoena; and
  • in connection with a health or safety emergency.
As stated above, the conditions specified in the FERPA regulations have to be met before a school may non-consensually disclose personally identifiable information from education records in connection with any of the exceptions mentioned above.

Annual Notification of FERPA Rights

Under FERPA, a school must annually notify parents of students in attendance of their rights under FERPA. The annual notification must include information regarding a parent's right to inspect and review his or her child's education records, the right to seek to amend the records, the right to consent to disclosure of personally identifiable information from the records (except in certain circumstances), and the right to file a complaint with the Office regarding an alleged failure by a school to comply with FERPA. The school must also inform parents of its definitions of the terms "school official" and "legitimate educational interest."
FERPA does not require a school to notify parents individually of their rights under FERPA. Rather, the school may provide the annual notification by any means likely to inform parents of their rights. Thus, the annual notification may be published by various means, including any of the following: in a student handbook; in a notice to parents; in a calendar of events; on the school's website (though this should not be the exclusive means of notification); in the local newspaper; or posted in a central location at the school or various locations throughout the school. Additionally, some schools include their directory information notice as part of the annual notice of rights under FERPA.

Law Enforcement Units and Law Enforcement Unit Records

A "law enforcement unit" means any individual, office, department, division or other component of a school, such as a unit of commissioned police officers or non-commissioned security guards, that is officially authorized or designated by the school to: enforce any local, State, or Federal law, or refer to appropriate authorities a matter for enforcement of any law against any individual or organization; or to maintain the physical security and safety of the school. The law enforcement unit does not lose its status as a law enforcement unit if it also performs other, non-law enforcement functions for the school, including investigation of incidents or conduct that constitutes or leads to a disciplinary action or proceeding against a student.
"Law enforcement unit records" (i.e., records created by the law enforcement unit, created for a law enforcement purpose, and maintained by the law enforcement unit) are not "education records" subject to the privacy protections of FERPA. As such, the law enforcement unit may refuse to provide a parent with an opportunity to inspect and review law enforcement unit records, and it may disclose law enforcement unit records to third parties without the parent's prior written consent. However, education records, or personally identifiable information from education records, which the school shares with the law enforcement unit do not lose their protected status as education records because they are shared with the law enforcement unit.

Complaints of Alleged Failures to Comply with FERPA

FERPA vests the rights it affords in the parent of a student. The statute does not provide for these rights to be vested in a third party who has not suffered an alleged violation of their rights under FERPA. Thus, we require that a parent have "standing," i.e., have suffered an alleged violation of his or her rights under FERPA, in order to file a complaint.
The Office may investigate those timely complaints that contain specific allegations of fact giving reasonable cause to believe that a school has violated FERPA. A timely complaint is defined as one that is submitted to the Office within 180 days of the date that the complainant knew or reasonably should have known of the alleged violation. Complaints that do not meet FERPA's threshold requirement for timeliness are not investigated.
If we receive a timely complaint that contains a specific allegation of fact giving reasonable cause to believe that a school has violated FERPA, we may initiate an administrative investigation into the allegation in accordance with procedures outlined in the FERPA regulations. If a determination is made that a school violated FERPA, the school and the complainant are so advised, and the school is informed of the steps it must take to come into compliance with the law. The investigation is closed when voluntary compliance is achieved.
Please note that a parent should state his or her allegations as clearly and succinctly as possible. To aid us in efficiently processing allegations, we ask that a parent only include supporting documentation that is relevant to the allegations provided. Otherwise, we may return the documentation and request clarification. This Office does not have the resources to review voluminous documents and materials to determine whether an allegation of a violation of FERPA by a school is included. A parent may obtain a complaint form by calling (202) 260-3887. For administrative and privacy reasons, we do not discuss individual allegations and cases via email. Please mail completed complaint forms to the Office (address below) for review and any appropriate action.

Complaint Regarding Access

If a parent believes that a school has violated FERPA by failing to comply with the parent's request for access to his or her child's education records, the parent may complete a FERPA complaint form and should include the following specific information: the date of the request for access to the student's education records; the name of the school official to whom the request was made (a dated copy of any written request to the school should be provided, if possible); the response of the school official, if any; and the specific nature of the information requested.

Complaint Regarding Amendment

If a parent believes that a school has violated FERPA by failing to provide the parent with an opportunity to seek amendment of inaccurate information in his or her child's education records or failed to offer the parent an opportunity for a hearing on the matter, the parent may complete a FERPA complaint form and should include the following specific information: the date of the request for amendment of the student's education records; the name of the school official to whom the request was made (a dated copy of any written request to the school should be provided, if possible); the response of the school official, if any; the specific nature of the information for which amendment was requested; and the evidence provided to the school to support the assertion that such information is inaccurate.

Complaint Regarding Disclosure

If a parent believes that a school has violated FERPA by improperly disclosing personally identifiable information from his or her child's education records, the parent may complete a FERPA complaint form and should include the following specific information: the date the alleged improper disclosure occurred or the date the parent learned of the disclosure; the name of the school official who made the disclosure, if that is known; the third party to whom the education records were disclosed; and the specific nature of the information disclosed.
This guidance document is designed to provide parents of minor students with some basic information regarding FERPA and their rights, and to address some of the basic questions most frequently asked by parents. You can review the FERPA regulations, frequently asked questions, significant opinions of the Office, and other information regarding FERPA at our Website as follows:
http://fpco.ed.gov
If, after reading this guidance document, you have questions regarding FERPA that are not addressed here, you may write to the Office for additional guidance at the following address:
Family Policy Compliance Office
U.S. Department of Education 400 Maryland Avenue, SW
Washington, DC 20202-8520


FERPA Resources for Parents







http://familypolicy.ed.gov/ferpa-parents-students






Welcome to the Family Policy Compliance Office!

The Family Policy Compliance Office (FPCO) administers two federal laws that provide parents and students with certain privacy rights: the Family Educational Rights and Privacy Act (FERPA) and the Protection of Pupil Rights Amendment (PPRA). In addition, FPCO administers the provisions in the Elementary and Secondary Education Act (ESEA) that require local educational agencies that receive ESEA funds to provide military recruiters with contact information on students, unless their parents opt out of the disclosure.
This Web site provides parents, eligible students, and school officials at the elementary, secondary, and postsecondary levels with a variety of resources and information regarding the federal laws FPCO administers, including links to the regulations, guidance documents, policy letters, topic briefs, webinars, videos, and a robust list of frequently asked questions (FAQs).  This is an evolving Web site and will be updated as new resources and information become available.
If you have a question regarding the federal laws FPCO administers, you may submit them here.  However, we encourage you to review our frequently asked questions and other resources for the answer to your question prior to contacting our office



Laws & Guidance GENERAL
Family Educational Rights and Privacy Act (FERPA)


The Family Educational Rights and Privacy Act (FERPA) (20 U.S.C. § 1232g; 34 CFR Part 99) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.
FERPA gives parents certain rights with respect to their children's education records. These rights transfer to the student when he or she reaches the age of 18 or attends a school beyond the high school level. Students to whom the rights have transferred are "eligible students."
  • Parents or eligible students have the right to inspect and review the student's education records maintained by the school. Schools are not required to provide copies of records unless, for reasons such as great distance, it is impossible for parents or eligible students to review the records. Schools may charge a fee for copies.
  • Parents or eligible students have the right to request that a school correct records which they believe to be inaccurate or misleading. If the school decides not to amend the record, the parent or eligible student then has the right to a formal hearing. After the hearing, if the school still decides not to amend the record, the parent or eligible student has the right to place a statement with the record setting forth his or her view about the contested information.
  • Generally, schools must have written permission from the parent or eligible student in order to release any information from a student's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions (34 CFR § 99.31):
    • School officials with legitimate educational interest;
    • Other schools to which a student is transferring;
    • Specified officials for audit or evaluation purposes;
    • Appropriate parties in connection with financial aid to a student;
    • Organizations conducting certain studies for or on behalf of the school;
    • Accrediting organizations;
    • To comply with a judicial order or lawfully issued subpoena;
    • Appropriate officials in cases of health and safety emergencies; and
    • State and local authorities, within a juvenile justice system, pursuant to specific State law.
Schools may disclose, without consent, "directory" information such as a student's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification (special letter, inclusion in a PTA bulletin, student handbook, or newspaper article) is left to the discretion of each school.
For additional information, you may call 1-800-USA-LEARN (1-800-872-5327) (voice). Individuals who use TDD may use the Federal Relay Service.
Or you may contact us at the following address:
Family Policy Compliance Office
U.S. Department of Education
400 Maryland Avenue, SW
Washington, D.C. 20202-8520
 

http://familypolicy.ed.gov/ferpa-parents-students

Welcome to the Family Educational Rights and Privacy Act (FERPA) Web page developed specifically for parents and eligible students.  This page contains information and resources geared to educate and inform parents of students enrolled in public elementary schools and secondary schools and students enrolled in public and private colleges and universities.  FERPA generally does not apply to most private elementary schools and secondary schools, as they do not receive U.S. Department of Education funding.  FERPA gives parents certain rights with respect to their children's education records.  Parents should understand that their rights transfer to the student when he or she reaches the age of 18 or attends a postsecondary school at any age. Students to whom the rights have transferred are "eligible students."  FERPA gives parents and eligible students these basic rights:
  • The right to inspect and review the student's education records maintained by the school;
  • The right to request that a school amend the student’s education records;
  • The right to consent in writing to the disclosure of personally identifiable information from the student's education record, except under certain permitted situation; and
  • The right to file a complaint with the Family Policy Compliance Office (FPCO) regarding an alleged violation under FERPA.
You will find FAQs and other resources on this page that will help you better understand your rights under FERPA. Although the law does say that the rights afforded parents by FERPA transfer to the eligible student, FERPA clearly provides ways in which an institution can share education records on the student with his or her parents.
In order for FPCO to investigate a complaint, it must be timely and must contain specific allegations of fact giving reasonable cause to believe that a FERPA violation has occurred.  Therefore, before filing a complaint with FPCO,  we suggest that you  review the FAQs and other resources provided on this site in order to understand clearly what your rights are under FERPA.  You may also want to first contact the appropriate school officials about the exercise of those rights to see if you can resolve your concerns.   If after following these steps you still believe your rights under FERPA have been violated, you may file a complaint with FPCO.  For more information regarding filing complaint please visit the filing a complaint page on this Web site.





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Increased accountability

Supporters of the NCLB claim one of the strong positive points of the bill is the increased accountability that is required of schools and teachers. According to the legislation, schools are required to pass yearly tests that will judge how much improvement the students have made over the fiscal year. These yearly standardized tests are the main means of determining whether schools are living up to the standards that they are required to meet. If the required improvements are not made, the schools face decreased funding and other punishments that contribute to the increased accountability. According to supporters, these goals help teachers and schools realize the significance and importance of the educational system and how it affects the nation. Opponents of this law say that the punishments only hurt the schools and do not contribute to the improvement of student education.
In addition to and in support of the above points, proponents claim that No Child Left Behind:
  • Links state academic content standards with student outcomes.
  • Measures student performance: a student's progress in reading and math must be measured annually in grades 3 through 8 and at least once during high school via standardized tests.
  • Provides information for parents by requiring states and school districts to give parents detailed report cards on schools and districts explaining the school's AYP performance. Schools must also inform parents when their child is being taught by a teacher or para-professional who does not meet "highly qualified" requirements.
  • Establishes the foundation for schools and school districts to significantly enhance parental involvement and improved administration through the use of the assessment data to drive decisions on instruction, curriculum and business practices.
The state of Pennsylvania has proposed tying teacher's salaries to scores on the test. If a district's students do poorly, the district's budget is cut the following year by the state, and the teachers get a pay cut. Critics point out that if a school is doing poorly, taking funds away from its budget and cutting teachers' salaries will, more likely than not, hamper the ability of the school to improve the following year.

[edit]School choice

  • Gives options to students enrolled in schools failing to meet AYP. If a school fails to meet AYP targets two or more years running, the school must offer eligible children the chance to transfer to higher-performing local schools, receive free tutoring, or attend after-school programs.
  • Gives school districts the opportunity to demonstrate proficiency, even for subgroups that do not meet State Minimum Achievement standards, through a process called "safe harbor," a precursor to growth-based or value-added assessments.

Thursday, March 14, 2013

Why is College so Expensive?


By Beth Dumbauld
College has always been viewed as a major life expense. Yet a college degree has also always been seen as a ticket to professional success, financial security, and a key to learning how to learn throughout your life. Throughout the years, paying for college, though requiring sacrifices for many, was doable -- and considered a wise investment with a high return. Yet somehow, somewhere along the college pathway to prosperity, there came a shift in that investment-to-value ratio. In other words, college changed from being a smart investment for getting ahead to becoming a very expensive necessity needed just to get by.
And here’s why:
College has become more expensive relative to current income. 
It’s not your imagination: when it comes to college, the “good old days” really were the good old days. Today, the cost of college is rising at such a rapid rate relative to income, 130% over last 20 years, that college costs comprise a far more significant financial burden than they did on students only 20 years earlier. Consider this: when adjusted for inflation, Americans in the middle class actually earn a few hundred dollars less than they did 20 years ago.1
You need a college degree just to be eligible for an entry-level job
A college degree has become the bare minimum educational credential for many careers that, not long ago, didn’t require any college education at all, let alone a bachelor’s degree.
It’s too easy to over extend yourself financially with student loans
Over-financing your college education can lead to lifelong debt issues. According to the most recent data looking at 2011 college graduates, the average student leaves school with $26,600 in student debt.2 

Where You Go to College Makes a Difference in How Much You Pay for College. 

Where you choose to enroll in college and ultimately plan on earning your degree makes a huge difference in your overall cost of college. Common sense says that more expensive colleges (generally private and for-profit colleges and universities) with higher published tuition rates should be more expensive to attend than less expensive colleges (generally state colleges and universities) with less expensive published tuition rates. A pretty simple concept – yet one that’s not always accurate.
While it’s true that, on average, state colleges and universities cost considerably less (published price), what you end up paying at a private college or university (net price) may be considerably less relative to the published charges for full-time enrollment at a public college or university. The difference comes down to a school’s ability to offer financial aid packages that can meet or exceed the difference in tuition prices.
The average published college tuition and fees rates for undergraduates for 2012-2013 is as follows3:
  • Public 2-Year (In-State): $3,131
  • Public 4-Year (In-State): $8,655
  • Public 4-Year (Out-of-State): $21,706
  • Private Nonprofit 4-Year: $29,056
  • For-Profit: $15,172
Expensive? Yes. End of the college tuition story? No.

The Cost of College Continues to Rise Each Year – No Matter What Kind of College or University (Public or Private) You Choose to Attend.

In spite of the fact that some private colleges and universities may be able to offer some students a lower net cost of going to college because of significant financial aid packages, the majority of students receive their degree from a public institution. In fact, for 2010, the breakdown among degree-granting institutions was as follows4
Of the 18 million undergraduate students (2010):
  • 76% attended a public institution,
  • 15% attended a private nonprofit institution, and
  • 10% attended a private for-profit institution 
It’s also important to keep in mind that college tuition fees are rising at both the public and private levels. Comparing the published tuition and fees between the 2011-2012 academic year and the 2012-2013 academic year, college costs have risen 4.8% for public 4-year colleges and universities and 4.2% for private ones.5

1CNN Money, Surging College Costs Price Out Middle Class, 6/6/2011, p.1
http://money.cnn.com/2011/06/13/news/economy/college_tuition_middle_class/index.htm  
2The Institute for College Access & Success, The Project on Student Debt, 10/18/12, p.1.
http://ticas.org/files/pub//Release_SDR12_101812.pdf 
3College Board, Trends in Higher Education, 2012, p.1
http://trends.collegeboard.org/college-pricing/figures-tables/average-published-undergraduate-charges-sector-2012-13
4National Center for Education Statistics, The Condition of Education, Section 3, 2011.
http://nces.ed.gov/programs/coe/overview.asp

Why is College so Expensive? Part 2

Increases in Tuition Rates are Rising Faster than Increases in Grant Aid and the Tax Benefits Offered for Those Attending College. 

According to the College Board, over the last two years (2011-2012 and 2012-2013), “the average net price paid by full-time students enrolled in public 4-year colleges increased measurably” and the “average net price also increased for public two-year and private nonprofit 4-year students.”6 What this increase in net price means to you is that the increase in tuition and fees at the college you are currently attending will most likely rise, if the current trend continues, faster than your financial aid at that institution. In other words, expect to pay more for college each subsequent year that you remain enrolled.
This is what inflation is all about: paying more for goods and services even though you aren’t getting anything more in return. And whether you deal with inflation the easy-way (by planning and budgeting) or the hard-way (by borrowing and defaulting on loans), sooner or later, you will come face-to-face with the realities of inflation if you are pursuing your degree.
Currently, most college students enroll in a school charging one tuition price, only to have the cost of those tuition and fees rise the next year. It may seem all very theoretical at this stage, but the reality is when you get your new (and larger) tuition bill for your second year of college, you don’t want it to come as a surprise. You don’t want to be in a position where your planned budget no longer affords you enough cash for textbooks, gas for your car, or the ability to take the number of credit hours you’d really like to take that semester to push forward with your career path. You need a plan for rising tuition costs.

The State You Live in Makes a Huge Difference in How Much You Pay to Attend a Public College or University.

Contributing significantly to rising tuition rates at public colleges and universities has been a decline in the total dollar amount states contribute to their public state colleges and university systems. In an era of state budget cuts to education, colleges are increasingly passing on the financial burden of these budget shortfalls to their students. 
In fact, total state contributions to public colleges and universities declined, on average, by 3% in 2010-2011 and by a nearly unprecedented 11% in 2011-2012.7
Furthermore, each public college system sets its own tuition and fee rates annually according to its own historical and current educational budgeting system. As such, you’ll find that regionally within the U.S. there can be a significant price difference: 
Average published tuition and fees for in-state students at public 4-year colleges by region8:
New England (CT, MA, ME, NH, RI, VT): $11,019
Middle States (DC, DE, MD, NJ, NY, PA): $9,205
Midwest (IA, IL, IN, KS, MI, MN, MO, NE, ND, OH, SD, WI, WV): $9,267
South (AL, FL, GA, KY, LA, MS, NC, SC, TN, VA): $7,621
Southwest (AR, NM, OK, TX): $7,721
West (AK, AZ, CA, CO, HI, ID, MT, NV, OR, WA, WY): $8,730 
Though there is a sizable cost difference between regions, what the dollar numbers above can’t tell you is that over the last decade the percentage increase in college tuition in fees was over twice as large in the West (126% increase in tuition price over last decade!) as in New England. The numbers also don’t tell you about the significant variance in college debt and return on investment from state to state.

6College Board, Trends in College Pricing, 2012, p.1
http://trends.collegeboard.org/sites/default/files/college-pricing-2012-full-report_0.pdf
7College Board, Trends in College Pricing, 2012, p.2
http://trends.collegeboard.org/sites/default/files/college-pricing-2012-full-report_0.pdf
8College Board, Trends in College Pricing, 2012, p.16
http://trends.collegeboard.org/sites/default/files/college-pricing-2012-full-report_0.pdf

Difference Between College Sticker Price and Net Price.

As discussed earlier in the article in relation to public versus private college and universities, there can be a sizable difference between a college’s sticker price (the advertised cost of tuition and fees) and the net price (what you actually pay). Because of this phenomenon, a student’s perception about the cost of college is often skewed towards the overwhelming and negative.
Before you press the panic button, let’s get the facts about financial aid
For the school year 2011-2012, college students received an average of $14,745 of financial aid per full time equivalent student.9Also, during this time period, students received 56% more in grant aid10 (money you don’t have to pay back) than students did a decade earlier. This is good news. On the other hand, college students during the 2011-2012 school year, on average, took out $6,558 in federal student loans (money you do have to pay back). This number also doesn’t include the amount of money students have taken out in private loans (money you have to pay back at generally far higher rates and shorter terms than federal student loans). 
Even though what you ultimately end up paying for college may be less than the published rate, that’s not to imply college isn’t expensive, it just emphasizes the fact that your college of choice may not necessarily be as expensive as you think it might be. What you end up paying for college is linked to many factors including your background, your unique set of skills, your economic situation, as well as how many existing college credits you are able to transfer into your college of choice. 
The National Center for Education Statistics provide a College Navigator (http://nces.ed.gov/collegenavigator/) which allows you to research the schools you are interested in using a number of school-specific financial and student success rate parameters, including: estimated tuition and expenses for full-time undergraduate students, the number and percent of students receiving financial aid at that institution (as well as a breakdown of grants/scholarships versus loans), net price, programs & majors available, admissions, retention and graduation rates, as well as cohort default rates (the percentage of students by academic start year who are in default on loans). 
You can also check StraighterLine College Savings Calculator, a resource that can assist you in determining what your true cost of college will be. 

What Can You Do to Accommodate the Rising Cost of College?

Two of the most important things you can do to accommodate the rising cost of college right now are: 
  • Have a clear degree-to-career path so you know precisely what college courses you will need to take and which colleges offer the most flexible degree pathway. A flexible degree pathway, by its very nature, should include a college’s ability and willingness to accept a significant number of transfer credits. 
  • Take as many low cost online credit-bearing college courses as you can and then transfer those college courses to the school where you plan on ultimately earning your degree. This will save you thousands of dollars towards your total cost of college. The less time you’re paying tuition, the lower your college debt will be and the less interest you’ll pay.
Taking advantage of low cost college courses is not a new thing. Students are smart and adaptable – and they learn quickly. It may come as no surprise to you if you are currently enrolled in school, but the most likely group to take advantage of earning college credit through distance learning options (such as online college course providers) are students who are already enrolled full-time at a different institution’s college program.11  

9College Board, Trends in Higher Education: Average per FTE Student over Time, p.1 http://trends.collegeboard.org/node/246
10IBID
11A National Dialogue: The Secretary of Education’s Commission on the Future of Higher Education, Frequently Asked Questions About College Costs, p.8
http://www2.ed.gov/about/bdscomm/list/hiedfuture/reports/dickeson2.pdf

Currently enrolled students realize how expensive college is every day. It’s not a theoretical concept. Once you are in college, you become increasingly motivated (at least from a cost perspective) to speed up the time it takes to earn a degree. It’s simple math. By reducing the number of semesters it takes to graduate, you will pay less in tuition. If you can earn transferrable college credits from elsewhere at significantly lower costs per credit hour than at the college you currently attend, then signing up for low cost online college courses just makes a lot of sense, as long as the college where you are earning your degree accepts those transfer credits.
However, is taking courses concurrently at two different programs of higher learning the best use of your time and money? Perhaps, in certain cases. In others, it occurs as a result of financial necessity, akin to financial triage. Before you enroll in college, take a step back. Ask yourself if it would be better for you academically and financially to take online college courses prior to enrolling in a degree-granting program? Or if you do still plan on taking online college courses while enrolled in college elsewhere, know exactly which college courses are guaranteed to transfer to your current institution.
Earning a college degree can be expensive, but taking online college courses can greatly reduce that expense – particularly if youearn transfer credits for online courses taken through online college course provider StraighterLine (with its innovative and affordable $99/month subscription plan). An online college course provider like StraighterLine allows you to save money up front (even bypassing a year or two of college!) and at the same time, setting the stage for a clear, low-cost academic pathway to a college degree at an institution from which you will ultimately graduate. 

Since College Is So Expensive – How Important Is College, Really?

At the end of the day, as you consider the rising expense and opportunity cost of college, you may ask yourself why is college so important?
The short answer is: doesn’t matter why, it just is.
The longer (but not too long) answer is:
  • Earning a college degree in today’s economy and workforce is an essential credential to be even considered for most professional jobs, even those that didn’t require a 4-year college degree years ago (such as police officer or nurse). An advanced education is absolutely required for jobs in the rapidly growing STEM fields (Science, Technology, Engineering and Math).
  • Earning a college degree is tied directly to your lifelong earning potential. Young adults with a bachelor’s degree earned 114% more than those without a high school diploma and 50% more than someone with only a high school diploma.12
  • Having a college degree is important to the financial health of your family. The median income for families headed by an individual with a 4-year college degree was $100,096 – two times the median income for families headed by a high school graduate.13
  • Learning for the sake of learning is important. Learning new things directly increases your quality of life: it increases happiness levels, reduces stress, and offers a greater sense of self-fulfillment.14 Education is a good thing.
Since earning a college degree is so important and will have a lifelong impact on your finances, your lifestyle, and your well-being, be sure to take the time to truly understand about the costs and expenses associated with earning that degree. If you know what the reality is in terms of college costs, you can take steps now to mitigate those costs, and graduate with less college debt, or maybe even no college debt at all.

12National Center for Education Statistics, The Condition of Education, Section 3, 2011. 
http://nces.ed.gov/programs/coe/overview.asp
13College Board, Trends in College Pricing, 2012, p.4
http://trends.collegeboard.org/sites/default/files/college-pricing-2012-full-report_0.pdf
14Cardillo, Donna, Can a College Degree Make You Healthier and Happier, 8/3/12, p.1
http://www.doctoroz.com/blog/donna-cardillo-rn-ma/can-college-degree-make-you-healthier-and-happier

MATH TUTORIALS (Online College Algebra Video Tutorials Free Algebra Help – Math help online)

http://www.straighterline.com/landing/online-college-algebra-video-tutorials#.UUHJ0W82Qms

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 http://www.free-clep-prep.com/MathWay-Tool.html

Watch handfuls of other college algebra help videos through these links: 


Properties of Exponents
How to Multiply Polynomials
How to Factor Polynomials
How to Solve Operations with Radical Expressions
How to Simplify Rational Expressions
How to Add and Subtract Rational Expressions
How to solve Distance, Rate, and Time Equations
How to Solve Double Inequalities
How to Solve Absolute Value Inequalities
How to Solve Quadratic Equations by Factoring
How to Solve Quadratic Equations Using the Quadratic Formula 
How to Solve Quadratic Equations by Completing the Square
How to Solve Problems with Projectiles
How to Solve Equations with Non-Real Solutions
How to Solve Radical Equations
How to Solve Rational Equations
How to Graph a Line Given a Point and its Slope
How to Graph a Linear Equation
Application of a Function
How to Decompose a Composite Function
How to Find an Inverse Function
How to Graph a Function and Its Inverse
How to Find the Axis of Symmetry
How to Evaluate a Piecewise-Defined Function
How to Graph Multiple TransformationsHow to Divide One Polynomial by AnotherHow to Find Minimum ValueRoots of MultiplicityHow to Graph General Quadratic FunctionsHow to Find Horizontal and Vertical AsymptotesHow to Solve Work Problems with AlgebraHow to Sketch the Graph of a Rational FunctionApplication of Solving for an ExponentApplications of a Logarithmic FunctionConverting Exponential Equations to Logarithmic EquationsHow to Graph an Exponential FunctionHow to Solve Compound Interest Problems

Using One to One PropertyHow to Solve Radioactive Decay ProblemsSolving Logarithmic EquationsApplication of Linear SystemsSolving a System by EliminationSolving a System by GraphingSolving a System by SubstitutionSolving Applications Using MatricesThree Equations in Three VariablesUsing the Gauss Jordan Elimination MethodSeries in Summation NotationWhat is the nth Term of a Geometric SequenceHow to Write the nth Term of an Arithmetic SequenceHow to Perform Prime Factorization of Natural NumbersHow to Write Rational Numbers in Different FormatsHow to Graph Systems of Linear InequalitiesSolving Quadratic Equations by Completing the Square
How to Solve Systems of Non-linear EquationsHow to Identify Standard Geometric Polygons and SolidsHow to Construct Standard Solid Geometry FiguresHow to Calculate Perimeter and Area of Geometric Shapes - Algebra TipsHow to Calculate Surface Area of Geometric SolidsWhat is the Volume of Standard Geometric Solids?Factoring Trinomials When the Leading Coefficient is 1Factoring Trinomials When the Leading Coefficient is not 1How to Solve Factoring Quadratic Trinomials by Completing the SquareHow to Convert from Polar to Rectangular FormHow to Convert from Rectangular to Polar FormGraphing a Polar Equation - Algebra TipsWhat are the Powers of Complex Numbers in Polar Form?Roots of Complex Numbers in Polar FormWhat are Operations with Vectors – Graphically ExplainedWhat are Operations with Vectors – Component Wise ExplainedSolving Applications with Vectors - Algebra TipsConverting from Parametric to Cartesian Form (How to)Converting from Cartesian to Parametric Form (How to)Graphing Parametric Equations (How to)