We have talked about money and how to pay for college any number of times, but we thought we would try to pull it all together in this episode. Here are your notes for the episode (but you should tune in to get the full explanation for each of these 17 tips:
Have the “money talk” with your child–what you can afford, what you are willing to pay, and what your child might need to do to contribute.
Ask about eligibility for cost-savings and scholarship programs at colleges you are considering.
Apply for scholarships (don’t forget FastWeb, a site for customized searches).
Find out about any regional exchanges your state belongs to (e.g., Western Undergraduate Exchange), which offer tuition discounts to residents of member states.
Find colleges where credit overloads are free (for example, you pay for 15 credits per semester, but get to take additional courses at no cost).
Find colleges that will lock in tuition on the first day of your child’s freshman year or will guarantee course availability so that your child can meet all requirements within four years of study or will pay all tuition costs for the final semester if your child has gone straight through and finished on time.
Convince your child to attend the most selective college that accepts him or her (because your child is more likely to graduate on time and save unnecessary tuition costs).
Consider one of seven “federal work colleges,” which find jobs for students for students to work at on campus or in the nearby community in return for a tuition credit.
Consider cooperative education programs, which mix semesters of paid work and college study in effective ways.
Consider studying abroad, where prices aren’t as high as you think.
Last week, we continued our virtual tour of colleges with the private colleges in the six states of the New England region: Maine, New Hampshire, Vermont, Rhode Island, Massachusetts, and Connecticut. As we said then, there are a lot of well-known and not-so-well-known institutions in these New England states, even though the states themselves are quite small, and a lot of those institutions are in the Commonwealth of Massachusetts.
Last week, we discussed nationally known higher education institutions, which draw students internationally, as well as a selection of institutions with one or another kind of special focus (that is, faith-based institutions, single-sex colleges, institutions with a particular academic focus, and one college for students with special learning needs). This week, we are going to talk about a host of small liberal arts colleges and a few institutions that are probably better known in the New England region than in other regions of the country.
A special heads up to our New York State listeners and other listeners in the Mid-Atlantic states who are worried about sending their kids away to college: New England is not really very far away. Maybe this is as outside your comfort zone as I am going to get you. But there are so many options in New England that it might be enough.
And, as we always say, no college has asked us or paid us anything to include it. These are our very own selections.
1. Liberal Arts Colleges
Let’s start by saying that some of our most prestigious and some of our oldest small liberal arts colleges are located in New England, including several consistently ranked in the top 10 by anyone’s standards and a bunch more that would be in anyone’s top 20.
Turning first to a trio of colleges in Maine, we have Bowdoin College in Brunswick, Colby College in Waterville, and Bates College in Lewiston—all small liberal arts colleges, with a couple thousand students, attractive student-to-faculty ratios of 9:1 or 10:1, and just over 30 varsity sports teams. Though SAT scores are optional at both Bowdoin and Bates, about two-thirds of their applicants submit them. Average SAT subtest scores are about 670 at Colby, 680 at Bates, and 730 at Bowdoin.
Bowdoin, one of the highest ranked liberal arts colleges nationally, was chartered in 1794 by the General Court of Massachusetts, when Maine was still part of the Commonwealth of Massachusetts. Governor James Bowdoin II and his son were both substantial benefactors for the college that today carries the family name (Anglicized from French grandfather and great-grandfather Pierre Baudouin, a Huguenot immigrant who arrived here in 1686). With an undergraduate-only enrollment of about 1,800 students (about 30 percent students of color and coeducational since 1971), Bowdoin offers 40-plus majors, grounded by traditional distribution requirements in five liberal arts and sciences areas.
Bowdoin makes an effective and official endorsement of the liberal arts in two ways—first, the Statement on a Liberal Education, adopted by the faculty in 2004; and second, what is known as “The Offer of the College,” written a hundred years earlier in 1906 by Bowdoin’s president, William DeWitt Hyde:
To be at home in all lands and all ages;
to count Nature a familiar acquaintance,
and Art an intimate friend;
to carry the keys of the world’s library in your pocket,
and feel its resources behind you in whatever task you undertake;
to make hosts of friends…who are to be leaders in all walks of life;
to lose yourself in generous enthusiasms and cooperate with others for common ends –
this is the offer of the college for the best four years of your life. (quoted from the website)
Bowdoin’s tuition and fees are what you might expect by now in our travels through New England—about $48,000 per year. Interestingly, Colby and Bates post a comprehensive fee (including room and board) at about $62,000 per year—so comparably priced for tuition, if it had been broken out separately.
Let’s look briefly at Colby, founded in 1813, the twelfth-oldest private liberal arts college in the U.S. Colby offers its approximately 1,850 undergraduates a choice of 57 majors. About two-thirds study abroad at some point in their college lives, perhaps in the College’s annual January Plan session, when students focus on one thing only—a course, an internship, a study-abroad opportunity, or a research project. Colby has a No-Loan Policy, which “will meet 100 percent of [a student’s] calculated financial need, and . . . will meet that need with grants and campus employment—not student loans” that have to be paid back (quoted from the website). As part of its serious commitment to the environment, Colby worked hard to achieve carbon neutrality—one of only a handful of colleges to do so.
Bates is located in Lewiston, home of substantial French Canadian and Somali immigrant communities. Founded in 1855 by abolitionists, Bates was the first coeducational college in New England. When it opened its doors, it admitted students without regard to race, nationality, or religion; some of its early students were former slaves. In keeping with its founding values, Bates is also known for its inclusiveness, where student organizations are open to all students and there are no fraternities or sororities. The approximately 2,000 undergraduates study in 33 majors in two semesters and a short-term session in the spring, when students focus on one thing, often off campus (similar to Colby’s plan).
Let’s move on to Vermont and take a look at Middlebury College in Middlebury, located between the Green Mountains and the Adirondacks. A prestigious liberal arts college, which also offers some graduate programs at other sites here and abroad, Middlebury has been known for its excellent language programs for a hundred years. Middlebury was founded by a few men in town in 1800 to educate men for the ministry and other professions. The first African-American citizen to earn a bachelor’s degree got it at Middlebury in 1823, after Vermont became the first state to abolish slavery.
Middlebury now serves about 2,450 undergraduates, studying in 44 majors, with a student-to-faculty ratio of 9:1—again common for these liberal arts colleges. As we have also seen at other colleges, Middlebury has a January term, when students focus on one course or an internship. In the best classic liberal arts tradition, Middlebury students must fulfill two sets of distribution requirements— (1) one course in seven of eight academic fields (including foreign language, with offerings in 10 languages); and (2) one course in each of four cultures and civilizations areas:
Courses that focus on some aspect of the cultures and civilizations of Africa, Asia, Latin America, the Middle East, and the Caribbean
Courses that focus on the process of comparison between and among cultures and civilizations, or courses that focus on the identity and experience of separable groups within cultures and civilizations
Courses that focus on some aspect of European cultures and civilizations
Courses that focus on some aspect of the cultures and civilizations of northern America (United States and Canada) (quoted from the website)
With 31 varsity sports and 31 NCAA championships since 1995, Middlebury has an active sports scene—and a lot of skiing for fun. Admission is very selective, with the Class of 2019 posting average SAT subtest scores very close to 700. Most incoming freshmen are in the top 10 percent of their high school class. Like its collegiate peers, tuition and fees run about $48,000 per year.
Coming quite a bit later to the game was Bennington College in Bennington, Vermont, founded in 1932 as a progressive liberal arts institution. Originally a women’s college, it became coeducational in 1969. It claims to be “the first to include the visual and performing arts in a liberal arts education, and it is the only college to require that students spend a term—every year—at work in the world” (quoted from the website). Today, it serves just about 650 undergraduates in 10 areas of study and about 100 graduate students, with a student-to-faculty ratio of 9:1.
The seven-week off-campus winter Field Work Term, which is required of students every year, sees students working or interning in 35 states and 40 countries on five continents. Students complete two 14-week semesters in addition to the Field Work Term. Bennington’s liberal arts education is somewhat self-determined, as described on the website:
The Plan Process is the structure Bennington students use to design and evaluate their education. In a series of essays and meetings with the faculty throughout their years at Bennington, students learn to articulate what they want to study and how they intend to study it. They identify the classes they wish to take, as well as how those classes relate to each other and the rest of their Bennington experience: Field Work Term, tutorials, projects beyond the classroom, and anything else they undertake. (quoted from the website)
Some courses run three weeks, some seven weeks, and some the full 14 weeks each term, with credits assigned accordingly. Students receive narrative evaluations at the end of each course, but may request letter grades; students interested in graduate school are encouraged to request letter grades for at least two years so that a GPA can be calculated. Bennington has both a traditional application route, using the Common Application as a base, and a more unusual Bennington-specific application. In either case, college admission test scores are not required. Bennington’s undergraduate tuition and fees add up to about $48,000—unfortunately, the norm among these New England colleges.
Connecticut also has a trio of relatively well-known liberal arts institutions—Wesleyan University in Middletown, Trinity College in Hartford, and Connecticut College in New London. All are well-rounded traditional colleges with attractive campuses and excellent student-to-faculty ratios, as befits small colleges, from 8:1 at Wesleyan to 10:1 at Trinity.
Trinity is the oldest of these, founded in 1823, and is the second-oldest college in Connecticut (after Yale). It has been coeducational since 1969 and now serves about 2,100 undergraduates and about 100 graduate students. It has the oldest example of Collegiate Gothic architecture in the country. Trinity offers 39 majors, including engineering, with “two engineering degree paths: a Bachelor of Science degree, accredited by the Engineering Accreditation Commission of ABET [Accreditation Board for Engineering and Technology] and a Bachelor of Arts in Engineering Science degree” (quoted from the website)—truly unusual for a small liberal arts college.
Trinity is very proud of its Center for Urban and Global Studies (noting that over half of all people in the world live in cities today), its Human Rights Program and interdisciplinary major, its credit-bearing internships, and its study-away programs in New York City and seven sites outside the U.S. Incoming freshmen posted a B+ high school GPA, and tuition and fees will set you back about $51,000, on the high side of what we have been seeing.
Wesleyan, founded by Methodist leaders in 1831, shares a bit of history with Connecticut College, founded in 1911. Originally all male, Wesleyan became coeducational (to a limited degree) in 1872, about 40 years after its founding. Then, when it chose to exclude women again around 1911, some of its alumnae helped establish Connecticut College for Women, for obvious reasons. Today, Wesleyan enrolls about 2,900 undergraduates and about 200 full-time graduate students (about 30 percent are students of color). Its undergraduates study in 45 majors. Though Wesleyan does not require college admissions test scores, about 80 percent of the Class of 2019 submitted them for consideration. The average SAT subtest scores were about 730 to 740 across the board. About 65 percent of students were in the top 10 percent of their high school class. Not surprisingly, tuition and fees are about $49,000 per year.
Here is a quick look at Connecticut College, with about 1,900 undergraduate students studying in just over 50 majors and minors. Interestingly, each student is awarded $3,000 by the College to cover the costs of creating the perfect internship—in the U.S. or abroad—for each student in his or her area of interest. About 80 percent of students complete such an internship. Though the College does not require college admission test scores, about 70 percent of applicants provide them for review. Incoming freshmen post a set of SAT subtest scores hovering around 685. About 60 percent were in the top 10 percent of their high school class. The College has a comprehensive fee, which includes room and board, of about $63,000—which would be in keeping with residential students’ expenses at the other colleges we have been profiling. One of the most unusual things about the College’s website is the section called “Essays that Worked,” which is just that: sample essays from past applicants who were accepted. Of course, any college applicant could get value out of reading them.
So, let’s head north to Massachusetts to two of the traditionally highest-ranked liberal arts colleges in the U.S., both formerly men’s colleges: Williams College in Williamstown and Amherst College in Amherst. Williams opened in 1793, and Amherst followed some years later in 1821. Amherst’s first president had been president of Williams (there is still a rivalry today), and the president of the Board of Trustees at the time was Noah Webster. Amherst was established by Congregational clergy to educate primarily poor, but talented, students for a life in the ministry or other worthy careers. Williams went co-ed in 1970, followed by Amherst in 1975. Both have small enrollments of about 1,800 at Amherst and 2,000 at Williams (plus about 50 graduate students). About 35 percent of students at Williams and 45 percent of students at Amherst are students of color.
The colleges offer just over 35 undergraduate liberal arts majors. Student-to-faculty ratios are attractively low at 7:1 or 8:1. Williams offers its January Winter Study—the kind of focused program we have seen at a number of other schools (maybe New England is just too cold for students to be there in January), where students do a course, some research, an internship, or purposeful travel. Among its study-away options, Williams offers a semester at its Marine Studies Program at Mystic Seaport in Connecticut and a year-long program at University of Oxford. Amherst is a member of the well-known Five College Consortium, which we have talked about and will mention again. On an athletic note, Amherst and Williams played the first intercollegiate baseball game in the U.S. in 1859.
Students at these two colleges are super-smart. College admission test scores are required, and about 65 percent of freshmen in the classes of 2018 scored 700 or higher on the SAT subtests. About 85 percent of Amherst students and 95 percent of Williams students were in the top 10 percent of their high school class. As you might expect, tuition and fees are high: about $50,000 at Williams and a comprehensive fee (tuition, room, and board) of $63,000 at Amherst.
2. Colleges That Change Lives
As we have said in several earlier episodes, Colleges That Change Lives is a nonprofit organization that was founded after the publication of the book Colleges That Change Lives, by Loren Pope, a retired New York Times education editor. There are now 44 colleges and universities profiled in the book and on the organization’s website. Those that are included are not necessarily famous institutions. Most are smaller colleges and universities that have proved to be successful at developing students both personally and academically so that they can succeed in life after their undergraduate college years.
Three of the 44 institutions profiled are located in New England. You should read about them in the book or on the website to learn more about them. They are Clark University in Worcester, Massachusetts; Marlboro College in Marlboro, Vermont; and Hampshire College in Amherst, Massachusetts.
Hampshire is the fifth member of the Five College Consortium, centered in Amherst. It is by far the newest of the five colleges, having been founded in 1970 after a long planning process, and it is the least traditional of them as well. Its students are bright, creative, and motivated. While very selective in admitting freshmen to a student body of just 1,400 students, Hampshire does not consider college admission test scores “in any way” for admission or for financial aid awards. Its students study in five interdisciplinary schools and create their own individualized majors—called “the concentration” at Hampshire. The concentration includes courses and required volunteer work at Hampshire or in the community and required work from various cultural viewpoints as well as fieldwork and internships, if they make sense for the self-designed program. As seniors, Hampshire students complete a self-designed rigorous final independent project, which includes original work, similar to a graduate thesis. The campus is lovely and idyllic. The price tag is predictable at about $47,000 in tuition per year. My visit to Hampshire with my son about five years ago made me want to go back to school and go there myself.
You should read about both Clark and Marlboro in the Colleges That Change Lives book or on the website. Clark enrolls about 2,200 undergraduates and another approximately 1,000 graduate students and has incredibly appealing “5th-Year-Free Accelerated B.A./Master’s Degree” programs in 14 fields, in which students can earn a master’s degree in just one year at no cost. Marlboro’s approximately 230 undergraduate students (there are another approximately 80 graduate students) follow a self-designed interdisciplinary program while working closely with faculty in small classes, individual tutorials, and advising sessions and living in a self-governing college community. The average high school GPA of incoming freshmen last fall was a 3.6 at Clark and a 3.2 at Marlboro; college admission test scores are considered at both if submitted, but are not required by either institution (about 60 percent of admitted students submitted them at Clark, but only about 25 percent at Marlboro).
3. Institutions Better Known in New England
New England also has a large number of institutions that are better known in the region than in other parts of the U.S. Let’s look at a few.
Founded in 1914 by Gertrude I. Johnson and Mary T. Wales as a business school, Johnson & Wales University (JWU) has been adding new career fields, new degrees (now including advanced degrees), and new campuses (now including Charlotte, Denver, and North Miami) ever since. With its main campus in Providence, Rhode Island, JWU describes the program for its 10,000 students (largely undergraduates) this way:
Our educational approach is designed to help you identify your career field. You can develop a structured plan, starting your first term, to build industry knowledge, professional skills and practical work experience to excel.
Build a toolkit that serves you for life. Our unique education model integrates academics and professional skills, including real-world projects in our hands-on labs, taught by our industry-expert faculty.
Round out your education with related work experiences and structured internships around the globe, along with career services, community service and leadership opportunities. (quoted from the website)
Undergraduates pursue serious career preparation in the College of Culinary Arts, School of Business, School of Hospitality, School of Engineering and Design, School of Professional Studies (with three equine-related majors), and six majors (two of which are directly career related) in the School of Science and Liberal Arts. And, yes, there are student organizations and varsity sports teams, too.
College admission test scores are mostly optional, except for the Honors program and some majors. Undergraduate tuition and fees run close to $30,000 per year—which seems like a bargain, given the prices we have been seeing in this episode and in last week’s episode.
Founded in 1929 (a lot later than many New England colleges), Quinnipiac University, with about 6,500 undergraduates and 2,500 graduate and professional students, is located on two campuses near Sleeping Giant Mountain in the small New England town of Hamden, Connecticut (a third campus for the professional and graduate schools, including law and medicine, is not far away). Undergraduates can study in 58 degree programs in six schools and colleges: the College of Arts and Sciences and the Schools of Business and Engineering, Communications, Education, Health Sciences, and Nursing. Quinnipiac offers a traditional college experience, with Division I varsity sports teams, school organizations (including fraternities and sororities), and red brick buildings surrounded by trees and green lawns. And perhaps, with an election year approaching again, you have heard Quinnipiac University Poll results in the news.
Incoming freshmen this year at Quinnipiac posted average SAT scores in the mid-500s across the subtests, and about 20 percent were in the top 10 percent of their high school class. Admissions staff note that they are looking for a B+ overall high school average. About 50 percent of students come from New England states, and another approximately 45 percent come from nearby Mid-Atlantic states. Tuition and fees are about $42,000 per year—just about the going rate for the region.
Founded a few years later in 1932 as the New Hampshire School of Accounting and Secretarial Science, Southern New Hampshire University (SNHU) offered its first bachelor’s degrees in 1966 and has been expanding into other fields and innovative programs ever since. Currently, SNHU enrolls about 3,000 students at its main campus in Manchester, where undergraduates can study in about 50 degree programs in three schools: the Schools of Business, Education, and Arts and Sciences. SNHU also offers accelerated bachelor’s degrees completed in three years in 10 business fields.
College admission test scores are optional. A couple of years ago, average SAT subtest scores for the approximately 50 percent of admitted students who submitted them were in the high 400s, and admitted students posted, on average, a high school GPA of about 3.1. Undergraduate on-campus tuition and fees are a relative bargain at about $32,000 per year.
SNHU is, however, a leader in online education, with about 60,000 online students studying in more than 200 career-focused and liberal arts degree and certificate programs. The courses are “asynchronous”—meaning that students can do their coursework at any time of the day or night rather than in online sessions at specific times with faculty and other students. I heard a presentation by an SNHU administrator at a College Board conference a couple of years ago, and I was quite impressed then with what I heard. Online tuition runs about $10,000 per year if a student is taking a full-time college course load. That’s a great bargain if you have a child who needs to or badly wants to study online. As we have said a number of times in our NYCollegeChat episodes, we are wary of having first-time freshmen commit to full-time online study—or even a course or two online—because it takes a lot of maturity and self-motivation and self-discipline to study online successfully. Many college freshmen just don’t have that. However, your child might be an exception.
Let’s wind up with a smaller faith-based college in Colchester, Vermont: Saint Michael’s College (affectionately known as St. Mike’s), enrolling about 2,000 undergraduate and 500 graduate students. Undergraduates study in about 35 liberal arts and sciences majors, plus business, computer science, education, journalism, pre-pharmacy, and engineering (through two 3+2 programs, one with the University of Vermont and one with Clarkson University). Here is what St. Mike’s says about its Catholic foundation and its influence on life at St. Mike’s today:
Saint Michael’s College is . . . the only Edmundite college in the world. We were founded in 1904 by the Society of Saint Edmund, an order of priests that came to Vermont from France more than 100 years ago, and whose ministry is based on service, hospitality and education.
Our passion for social justice means we don’t just talk about improving the world. We have a history of it. Part of the Edmundite legacy is the vital role they played in the Civil Rights movement in the South. We embody that spirit with nearly 70 percent of our students volunteering through our MOVE (Mobilization of Volunteer Efforts) Office. Our Peace and Justice program of study brings issues into the classroom, and the Edmundite Center for Peace and Justice connects the campus community to peace and justice concerns and resources.
The Society of Saint Edmund has a meaningful presence on campus. Their inclusive nature, caring ministry, tradition of hospitality and passion for social justice are at the heart of on-campus culture. Several Edmundite priests are active members of the faculty, while others are focused on the Society’s ministries in Selma, Alabama and New Orleans, Louisiana.
Understanding the history and importance of Christianity and other religions, as well as examining questions of philosophy, ethics and the common good, are an integral part of the Saint Michael’s curriculum. In everyday life on campus, the opportunity to serve others, and the chance to look inside yourself and explore your own path to the greater good, are always at hand.
Our students come from all walks of life. No matter what your spiritual and religious affiliation (and even if you have none at all), you’ll be welcome and comfortable at Saint Michael’s. . . .
As part of our Liberal Studies Curriculum, students are required to take two courses in Christian Traditions and Thought. Both of these courses are College-level academic courses which do not require or expect any particular religious affiliation. The first course is a Religious Studies course in the general study of Christianity and the second, more specialized, course is chosen by the student from a list of qualifying Religious Studies or Philosophy courses. (quoted from the website)
Just over 50 percent of students at St. Mike’s are Catholic. St. Mike’s is a close-knit community, with all full-time undergraduates living on campus for all four years (unless they are living at home with their family)—a remarkable feature, which makes it easy for students to feel comfortable with each other, join clubs and sports teams, and make good friends. Classes are small, and professors care about their students.
College admission test scores are optional, but accepted students in the Class of 2018 who submitted SATs posted a trio of scores in the high 500s. About 20 percent of students were in the top 10 percent of their high school class, and about 70 percent came from New England. Tuition and fees are about $41,000 per year—evidently, in the ballpark of the going rate for private colleges in New England.
Listen to the podcast to find out about…
What these small New England campuses are really like
What college has a good reputation among business and industry leaders
Who might be right for online study as a freshman
Check out these higher education institutions and organizations we mention…