Still waiting on financial aid offers? Here’s what you can do now

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By Eliza Haverstock | NerdWallet

May 1 was supposed to be “college decision day” for high school seniors across the country. But months of Free Application for Federal Student Aid (FAFSA) errors and financial aid offer delays have left scores of students unsure of their post-secondary plans, or whether they can afford college at all.

Nationwide, FAFSA completion is down about 17% from this time last year, according to the National College Attainment Network. Schools are now scrambling to get financial aid offers out. As of May 7, roughly 28% of institutions had yet to begin assembling financial aid packages for accepted applicants, according to a poll by the National Association of Student Financial Aid Administrators (NASFAA).

Most persistent FAFSA errors have largely been resolved, including an issue that prevented students in mixed-citizenship status families from submitting the form. However, some students may now face college decision deadlines without all of their financial aid offers on the table.

“These students have no idea of, ‘what is my bill gonna look like and how am I going to be able to pay for it?’,” says Kierstan Dufour, director of external training and partnerships at Get2College, a Mississippi college access organization of the Woodward Hines Education Foundation.

Submit the FAFSA if you haven’t already. And if you’re still navigating enrollment deadlines and waiting on financial aid packages from one or more prospective schools, here’s what you can do.

Be transparent with potential schools

To give students and families more time to receive and consider financial aid offers, 63% of public four-year colleges have extended their decision deadlines, according to NASFAA. Typical May 1 deadlines may now be as late as mid-June, July or even August. The National Association for College Admission Counseling has a comprehensive list of updated 2024-25 college deadlines.

But what if School A sent your financial aid package with a June 1 decision deadline, but School B has no financial aid offer in sight and a June 30 deadline?

Be transparent with potential schools and double-check decision deadlines, Dufour says. Some schools are offering extensions on a case-by-case basis. “Just say, ‘Hey, I’m waiting for an offer and understand that you have this deadline, but I haven’t received it from another school. Is there any extension that can be made until I can get all of the pieces of the puzzle together?’”

After reaching out to schools on your own, ask your high school’s guidance counselor to contact them on your behalf, says Ellie Bruecker, interim director of research at The Institute for College Access and Success.

“An email may be more likely to be read if it’s coming from a school account from a counselor, than [from] a student and their Gmail address,” Bruecker says. “I hope that most financial aid offices are replying to everybody that they can right now, but you might get a better foot in the door if you’re going through your school counselor.”

Net price calculators, which are available on every college’s website, can also help you estimate how much you might pay for the school after financial aid, Bruecker says.

Don’t rule out community college

Financial aid delays can be frustrating, especially when they’re preventing you from making decisions about your future. But if you’re considering college next year, don’t shift direction yet, Bruecker says.

If you’ve submitted the FAFSA, pending financial aid offers should arrive in the coming weeks. The Education Department says it has processed more than 8.3 million FAFSA forms and “is encouraging schools to package aid offers as quickly as possible,” according to an April 30 announcement.

If the offer is insufficient, you can write a financial aid appeal letter to your potential school. As a plan B, you may also consider enrolling in community college in the fall.

Community colleges are much cheaper than four-year schools. Annual community college tuition and fees for in-state students are $3,501, compared with $9,375 for an in-state public four-year school and $32,825 for a private four-year school, per 2020-21 data compiled by the National Center for Education Statistics.

You may also have the option to attend a community college for two years, then transfer to a four-year school. This can be a smart way to save money.

And if you’re eligible, Pell Grants can cover most of your community college bill, Dufour says. Community colleges often have rolling admissions, so you have plenty of time to apply for fall enrollment. If you still want to attend a four-year school, you can transfer in the future.

“Just because your route isn’t directly to that dream school, doesn’t mean that it’s never an option,” Dufour says. “A lot of times colleges will have transfer scholarships, because community colleges have such a large population of students across the country.”

Submit the FAFSA if you haven’t already

The Education Department is now processing FAFSAs within three days — instead of months — so submitting your form today can lead to a quick financial aid package, Dufour says.

If you’re thinking about going to college next year, don’t let financial aid delays dissuade you, Bruecker says. Filling out the form unlocks federal student aid, which can include Pell Grants of up to $7,395 per year. It also unlocks state and college aid, and it’s necessary to apply for some scholarships.

If you need help completing the FAFSA or understanding your financial aid award letters, look to these resources:

Your high school’s guidance or college counselor.
The financial aid office at your current or prospective college.
College access organizations in your community or state.
Online resources, like YouTube videos and the Education Department’s FAFSA help page.
The federal government’s student aid helpline: 800-4-FED-AID (800-433-3243).

You can complete the 2024-25 FAFSA after graduating from high school, but your guidance counselor may not be able to assist you at that point, Dufour says. Prioritize submitting the FAFSA before school is out — and if you need FAFSA help during the summer, reach out to other resources.

“Go do it, go do it, go do it today,” Dufour says. Filling out the FAFSA “is easier than you may think, and if you have glitches, there is a lot of support out there.”

Eliza Haverstock writes for NerdWallet. Email: ehaverstock@nerdwallet.com. Twitter: @elizahaverstock.

Mental health begins in infancy, child development experts tell parents

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Did you know babies can get depressed?

Andria Goss, associate vice president of clinical and community services at the Erikson Institute, a graduate school for social work, early childhood education and child development programs, said people are astonished when they learn and appreciate that fact.

“Babies experience everything as a bodily feeling: If a parent is stressed, depressed and/or anxious, the baby is picking up on that,” she said. “Imagine a mom who has her own stresses and sometimes she’s able to focus on her baby and other times there’s an interaction, she’s angry, or not attuned to the baby, not doing the stuff that engages the baby. They have this on-off, on-off repeatedly. The baby doesn’t know what to do with that because the baby is working hard to get smiles, elicit cooing and it’s not happening. At a certain point, with all those failed attempts, the baby stops trying … and withdraws.”

Goss said that although that’s an extreme example, it illustrates how babies pick up stressors from their environment and don’t know what to do with them. When such interactions become chronic, that can create challenges in the parent-child relationship.

The Erikson Institute’s Center for Children and Families offers in-person and online mental health services to children as young as newborns and their families in and around Chicago from its River North and Little Village locations, and has been doing so for decades.

The Erikson Institute lobby welcomes clients at the organization’s North LaSalle Street offices in Chicago, seen May 13, 2024. (Antonio Perez/Chicago Tribune)

According to the Centers for Disease Control and Prevention, 1 in 6 U.S. children ages 2 to 8 years has a diagnosed mental, behavioral or developmental disorder and among that group, boys are more likely than girls to have such a disorder.

“What we do at the Center for Children and Families is more a preventive measure,” Goss said. “The expectation is that babies are going to assimilate into my life. But that’s not their job. That’s our job (as adults and parents).”

When families and schools identify that something may not be working for a child, they get in touch with CCF, whose focus is relationship-based therapy. The center tries to connect the dots when there is a disconnect and a child is unable to regulate emotions and less able to explore and learn.

“When we’re looking at mental health and psychiatric difficulties, it’s a nature-nurture situation — we call it a vulnerability stress model,” said Sally Weinstein, licensed clinical psychologist and associate director at the University of Illinois Center on Depression and Resilience. “We all are born into this world with some biological vulnerabilities that we inherit. And these may interact with our environment in ways that are either protective for our development, or may be harmful for our development. It is that combination that affects development, even of young kids.”

The goal of therapy is to strengthen attunement — a person’s ability to be aware of and respond to a child’s needs — to strengthen the child’s and caregiver’s capacities, their relationship and how a caregiver is able to experience and parent the child.

“What you want for your baby, being attuned to where your baby is and what he/she needs? We’re unpacking those types of things,” Goss said.

CCF gets to the heart of that through play. Licensed clinical social worker and CCF Director Sara Phou said the bulk of the families they serve have children age 3 to 6 who get 18 months of therapy. The center connects caregivers with therapists to glean the challenges in the caregiver-child relationship prior to the child being brought in. When the child comes to a CCF location, therapists observe the child playing with their caregiver as a clinician takes note of how play is unfolding, the themes, the feelings involved.

Center for Children and Families Director Sara Phou, seen in a therapy room at the Erikson Institute in Chicago on May 13, 2024, said the bulk of the families they serve have children aged 3 to 6. (Antonio Perez/Chicago Tribune)

“(Children) use play to develop, to understand the world, but also as a way to help share how they’re thinking and feeling,” Phou said.

If, for instance, a child plays with cars and races through a city knocking down blocks featuring a good guy and a bad guy, the child may be trying to make sense of good and bad in the world. “We can join them in their play, and help the car be regulated,” Phou said. “Using play as an extension of themselves and working through it there might provide a port of entry, a way for them to internalize it.”

Every behavior is a communication, Goss said. “We try to pull insight into what the kid is struggling with,” she said. “We want to evaluate cognitive skills, motor skills, social and emotional skills … it’s not a one size fits all.”

Goss said the center meets families where they are and works with them from perspectives that consider race, culture and their environment. By following their child’s lead and putting in the work in therapy, caregivers enable change in their child’s life.

Engaging in therapy aids caregivers in regulating themselves so they can help regulate their child. And caregivers and parents feel more confident in understanding what’s happening with their child. Once family units feel empowered, parents can feel a sense of efficacy, and feel like whatever happens, they can deal with it.

“Play is so important for development. … It’s that power of connection for the little one around who they are, you want to connect with them around something that is of value to them,” Phou said. “There’s research around 10 minutes a day: If you follow your child’s lead and play with them for 10 minutes a day, that is all they need to build that connection. … That is going to be a huge protective factor for their mental health.”

Weinstein agrees that the short amount of time can help children build trust with parents and help parents build confidence and competence. Phou said 10 minutes of daily play can be more beneficial than hours of planned family time every couple of months.

“Finding moments where there’s joy and delight, in who they are, and it feels good for both of you, is going to help the relationship and help that connection,” Phou said.

But how does a parent know when an issue escalates to something that needs intervention, especially when there’s such a broad range in how kids develop and so many symptoms of mental health difficulties that resemble what normal childhood looks like: mood variability, big emotions, irritability, all which can be part of a child’s experience?

Weinstein said parents should be looking for any sort of disruption or deviation from typical milestones, like toilet training, talking and walking, and keep in mind feedback from those around your child such as preschool teachers or day care staffers who may notice if your child is struggling.

“While kids brains are changing so much and that’s why they are having these big emotions and having a hard time regulating emotions, the great news is that the brain is still developing and very malleable,” Weinstein said. “So the more intervention, love and support, the more we can modify some of the difficulties.”

Early in the pandemic, Weinstein and Goss both noticed an uptick in referrals for mental health help and youths reaching out to access support themselves without their parents’ urging. The shift shows a growing acceptance of therapy, they said.

“When there’s a challenge around mental health for a young child, the treatment isn’t just for the child,” Phou said. “We’re working with both the caregiver and the child together and supporting that caregiver to help them think about what they might be bringing to the equation and how they can support their child and what their child is bringing to the equation.”

Goss added that can be challenging because caregivers have to look at themselves in relation to their child and how they are engaging and connecting in order to effect change.

For first-time parents, who may face sleep deprivation, burnout or a lack of feeling effective, Weinstein said their mental health is key. She suggests parents consider getting support by talking with other new parents or with their pediatrician. Since parents are the experts on their children, they are also the first line of defense when it comes to intervention.

“There are no hard and fast rules, even if a teacher says I see your child is struggling, that is not a reason to panic, but always a reason to seek out and gain support and more understanding about ways you could help your child,” Weinstein said.

Robert F. Kennedy Jr. files complaint over rules for CNN’s presidential debate next month

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By JONATHAN J. COOPER (Associated Press)

PHOENIX (AP) — Independent presidential candidate Robert F. Kennedy Jr. filed an election complaint Wednesday alleging CNN is colluding with Democratic President Joe Biden and presumptive Republican nominee Donald Trump to exclude him from a debate the network is hosting next month.

Kennedy alleges the requirements to participate in the June 27 debate were designed to ensure only Biden and Trump would qualify and Kennedy claims he is being held to a higher standard.

“CNN is making prohibited corporate contributions to both campaigns and the Biden committee and the Trump committee have accepted these prohibited corporate contributions,” a lawyer for Kennedy, Lorenzo Holloway, wrote in a letter to the Federal Election Commission.

CNN said the complaint was without merit.

Biden and Trump agreed this month to the CNN debate and a second on Sept. 10 hosted by ABC, bypassing the nonpartisan commission that has organized debates for nearly four decades. The first debate will come before Biden and Trump have been formally nominated by their parties this summer.

Kennedy has looked to the debates as a singular opportunity to stand alongside Biden and Trump, lending legitimacy to his longshot bid and convince people inclined to support him that he has a shot at winning. Both the Biden and Trump campaigns fear he could play spoiler.

Kennedy still has time to meet the requirements, though the window is narrowing.

CNN has said candidates will be invited if they have secured a place on the ballot in states totaling at least 270 votes in the Electoral College, the minimum needed to win the presidency, and have reached 15% in four reliable polls by June 20.

Kennedy’s campaign says he has submitted signatures or other paperwork to appear on the ballot in nine states — California, Delaware, Hawaii, Michigan, New Jersey, New York, Oklahoma, Texas and Utah — with a combined 171 electoral votes, though not all have affirmed his name will be listed. California, the largest prize on the electoral map with 54 votes, will not certify any candidates until Aug. 29.

“The law in virtually every state provides that the nominee of a state-recognized political party will be allowed ballot access without petitioning,” a CNN spokesperson said in a statement Wednesday. “As the presumptive nominees of their parties both Biden and Trump will satisfy this requirement. As an independent candidate, under applicable laws RFK Jr. does not. The mere application for ballot access does not guarantee that he will appear on the ballot in any state.”

Kennedy also hasn’t met the polling criteria, the statement said.

Biden and Trump have easily cleared the polling threshold but won’t be certified for the ballot until their parties formally nominate them. Both have secured enough delegates to lock in their nominations.

Analysis: Trump griped about trial but did not use holiday to hit multiple swing states

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John T. Bennett | CQ-Roll Call (TNS)

WASHINGTON — Donald Trump has complained for weeks that he cannot hit the campaign trail because he is stuck in a Manhattan courtroom. But he opted against using a holiday weekend break in the criminal hush money trial to visit multiple battleground states.

“I’d like to be out campaigning right now,” Trump told reporters outside the New York courtroom on May 21, before a Memorial Day weekend break. “But again, I’m gonna have to be in here almost five weeks in court. They have no case. There’s no crime.”

On May 9, Trump groused before the court gaveled in that day that he would have preferred to be in Georgia, Florida or Ohio talking to voters rather than in a courtroom he has called an “icebox.”

But he did not use the lengthy holiday weekend break to visit any of those states. Instead, on Thursday evening, he held a rally in the city’s Bronx borough — even though he lost Bronx County to now-President Joe Biden in 2020, 83.5 percent to 15.9 percent.

Though Trump and his team had to factor in the possibility the court could have met Thursday, he recently boasted that he could provide his own transportation to debates with Biden. He owns a Boeing 757 aircraft, which he used to hold a flyover before Sunday’s Coca Cola 600 at the Charlotte Motor Speedway in North Carolina, a state Trump won by less than 2 points but Biden’s team hopes to make competitive this year.

The Manhattan courtroom of Judge Juan Merchan has typically adjourned for the day around 4:30 p.m. That means it was not inconceivable, even if the trial had been in session Thursday, that Trump could have gotten to a rally in the Tar Heel State or Pennsylvania, a sure-fire swing state that is a short flight from any New York City area airport.

On Saturday, rather than heading to a swing state, Trump opted to address the Libertarian National Convention in Washington. But in a surreal scene, a politician who typically only addresses fans sporting “Make America Great Again” hats and t-shirts was booed, jeered and heckled.

Kyle Kondik, a political analyst at the University of Virginia, said in an email that “holding rallies in places like New York and New Jersey seems pointless. Trump is not going to win either of those states.”

Still, he said there was a strategic point to both events.

“I do think it’s fair to say that both rallies did generate a fair amount of earned media coverage, although that would be the case for swing state rallies, too,” Kondik said. “The appearance at the Libertarian convention seemed like something of a bust, although it was also in the middle of a long holiday weekend and probably didn’t get much attention anyway.”

Trump on Saturday evening declared — his arms out to his sides, as boos rained out from attendees — that “the Libertarian Party should nominate Donald Trump for president of the United States.” But he also appeared to respond to the surreal scene, responding to jeers at one point by saying, “Whoa. That’s nice. That’s nice.”

Many in the audience were not impressed nor ready to join the MAGA movement.

Video footage of the event captured attendees shouting things like, “Lock him up!” and “Donald Trump is a threat to democracy.” One person shouted at the former president, “You had your shot!” Others shouted profanity.

In turn, Trump was not impressed.

“Only if you want to win. Maybe you don’t want to win,” Trump said of libertarians casting ballots for him in November, before mocking their candidates’ recent general election performances. “Keep getting your 3 percent every four years.”

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Minnesota Democratic Gov. Tim Walz told CNN he thought Trump’s appearance at a libertarian convention was “ironic” because “no one has been more restrictive, whether it’s women’s reproductive rights or the right to vote.”

Some Trump allies, however, defended the move.

Sen. Mike Lee, R-Utah, who was jeered at the convention, used a post on X to call the former president’s remarks “bold, courageous, and unprecedented. Those who stand for liberty should vote for Trump!”

Trump did, however, appear to get back on a more-MAGA course with his Charlotte Motor Speedway flyover and in-person appearance at the longest race of the stock car series’ season. He won North Carolina in 2016 and 2020, and is trying to beat back Biden’s attempts to snatch it this cycle.

Trump was back in the Manhattan courtroom on Tuesday as his defense team was up first in the trial’s closing argument phase. The 45th president is expected to be in court much of this week, as Biden heads back to battleground Pennsylvania on Wednesday.

The Scranton, Pa., native will be in Philadelphia, a favorite venue for a number of official and campaign stops during his 2020 campaign and term in office. Biden’s latest campaign stop will include Vice President Kamala Harris as well, and comes as an Emerson College poll of registered voters nationally conducted May 21-23 put him and Trump in a tie (50 percent-50 percent) in a hypothetical one-on-one race. When other candidates were added, the same survey showed Trump up 5 percentage points nationally, 44 percent to 39 percent.

In the Keystone State, a RealClearPolitics average of polls showed Trump up 2.3 percent as of Tuesday. Biden edged Trump in Pennsylvania in 2020, 50 percent to 48.8 percent.

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