Post-High School Plans

Post-College Debt

I unfortunately expect to owe money when I graduate from college.

A few ways you can avoid college debt is by...

1. Saving and investing for future college costs. For instance, a 529 education savings plan (named after the applicable section of the IRS code) is an effective way to start. Every state offers at least one 529 savings plan, and a total of more than $135 billion is invested in roughly 7 million such plans

2. Avoid getting a credit card

3. Apply for financial aid

4. Apply for as many scholarships and grants as you can.

5. Get a part time job to help pay for school.

Repaying:

-Your repayment schedule begins after a grace period expires. This is a period of time after you finish your education, during which you may make payments but are not required to. The grace period also begins if you begin attending less than half of a full class schedule.

The length of the grace period varies with the kind of loan you have.

-For a loan processed through the Direct Loan Program, or for a Family Education Loan, the grace period lasts six months.

-For a Perkins Loan, the grace period lasts nine months.

-PLUS loans have no grace period and are due when the loan is fully disbursed. Then the first payment has to be made within 60 days.

Interest on loans are annual percentage rate (APR).

Krystyna Ayako Matsuda

2012 S. Marengo Ave. Alhambra, CA 91803

Phone: (626) 614-7074

E-mail: krystynaamatsuda@gmail.com

Work Cited

http:www.whittier.edu

Objective: To utilize my education and interest in sports to obtain a challenging career in sports therapy.

"How to Avoid College Debt" CBSNews. CBS in

http://www.cbsnews.com/8301-505146_162-57495392/how-to-avoid-drowning-in-college-debt/

Skills: Computer: MS Word, Excel, and Internet.

Other: Attention to detail, hard working, team player, responsible, organized, leadership skills, personable, cooperative, and efficient.

http://voices.yahoo.com/five-ways-avoid-college-debt-1683999.html

2011-Present

http://www.ehow.com/about_7493682_do-paying-back-college-loans.html#ixzz2TnEDgWx5

Experience: Winter Exploration Camp, Montebello, CA

Camp Staff Member:

-Communicate with campers, other staff members, and parents.

-Assure safety of campers at all times.

-Lead lectures and activities for campers 6-13 years of age.

Education:

Mark Keppel High School, Alhambra, CA

2009-2013

2010-2013

Campus/Community Activities:

Mark Keppel High School-Swim

Mark Keppel High School-Volleyball

Mark Keppel High School Varsity Volleyball Co-Captain

2009-2013

2012-2013

Post- High School Plans

Christian Youth Fellowship (CYF) Member

Participate in community service and outreach

2009-2013

2005-2013

Wanjettes Basketball Association, Team Member, Los Angeles, CA

-Participants in basketball leagues and tournaments

-Volunteered in bi-monthly temple cleaning and landscaping

-Served as volunteer at annual Obon festival

2005-2008

Paying for College

O’ Kawahine Ale’e Enoho Eke Anue Nue Alua Member, Burbank, CA

-Participated in hula performances – Kanakapila, Keiro Nursing & Retirement Home, Cherry Blossom Festival, and Store Openings

2003-Present

Montebello Plymouth Congregational Church Member, Montebello, CA

-Attended and participated in youth programs and volunteer outings.

-Volunteered in bi-annual church clean-up.

-Served as volunteer at annual Bazaar Festival.

-Participant in high school youth and guitar group.

Tuition, Room and Board

Whittier College

1998-2003

• Annual Tuition: $38, 280

• Cost of Tuition over four years: $67,268

Evergreen Baptist Church of Los Angeles Member, Rosemead, CA

-Attended and participated in youth programs and volunteer outings.

-1st year:

$38,280+$4,868+$5,280-$24,000 scholarship=$24,428

-2nd-4th year: Become an RA. A single room and 15-meal Flex plan will be covered

$38,280-$24,000= $14,280x3= $42,840

• Room (triple): $4,868

• Board (15-flex): $5,280

Continued Working While in College

Off Campus Jobs

Restaurant/Fast food work

Retail Stores

-Clerk

-Cashier

-Host

-Waitress

-Bus girl

Movie Theatre

Fear the Poets!

• Whittier College is a private liberal arts school

-Staff

-Usher

Grocery Store

Babysitter

-Cashier

-Bag girl

The Fun Slide!

Summer Camp Counselor

• Although Whittier is expensive, keep in mind that is it a private school. There are many benefits to attending a private school. For instance

• the student to faculty ration is 1 to 12
• class sizes are smaller (the average class size is 19 students, smaller than a high school class!)
• There are Faculty Masters' Houses. Select faculty live on campus and host educational and social experiences for students, enhancing the sense of community and faculty/student interaction.

Service Related Clubs

Circle K: An international community service organization sponsored by a Kiwanis club which blends community service and leadership training with the opportunity to meet other college students at service projects, conferences and conventions.

Interfaith Programs

Christian Poets: Christian Poets seek to communicate God's love to the campus and to encourage the spiritual growth of its members through prayer, worship, fellowship and discipleship. The group takes part in weekly worship services.

Intramural

Volleyball & Swim

Events

Other

Relay for life, Helping Hands Day & Sportsfest

Become a Resident Adviser

Working while in school

I plan on working while in college.

Student Employment on Campus

LEAP Student Staff assist with answering the phones and providing customer service at the front desk, in the resource center, and at LEAP events.

LEAP Student Staff positions:

Program Assistant: Assist in organizing, planning, advertising, and implementing events/programs sponsored by LEAP or the Program Board.

Ettinger Student Lounge Attendant: Supervise the student lounge by conducting regular walkthroughs and maintaining the facility usage log.

Paying for College

Budget Assistant: Assist with club/organization budget management.

Campus Events Calendar Assistant: Assist with reservation requests.

Sources of Funding

Publicity Promotion Assistant: Create and distribute publicity for Club 88 and LEAP events.

Resource Center/Storage Assistant: Assist with inventory, maintaining organization, and replenishment of supplies.

Parents: personal savings

Equity line: taking out a loan against our house.

Educational Savings Fund: 429

Whittier College

Poet Entertainment Staff positions:

Assist LEAP in providing event coordination and technical assistance of events in Club 88 or on campus.

Location: Whittier, CA

FAFSA

Sound/Lighting Technician: set up, run, and take down equipment for events.

Major: Kinesiology

I did complete and submit the FAFSA application.

Event Coordinator: Assist clubs/organizations with events.

Scholarships

Enrollment:

• As of fall 2012, Whittier College enrolled 1,664 students from 40 states and 25 countries.
• There are 1,367 undergraduates, 4 non-degree students, and 134 graduate and post-baccalaureate students.

Krystyna Matsuda

Contemporary Themes

Period 3

May 23, 2013

John Greenleaf Whittier Scholarship: Each fall, Whittier hosts a special, invitation-only Honors Weekend for outstanding high school seniors. During the intensive three-day program, students compete for the prestigious John Greenleaf Whittier Academic Merit Scholarship awards, valued up to full tuition.

Whittier's Website: www.whittier.edu

Brightwood PTA Scholarship: For overall achievement.