well I think I figured it out I think
I’ve solved the mystery I think I found
a way to solve the student loan debt
crisis now some of you were saying wait
a minute we have a student loan debt
crisis yeah it’s almost as much as
mortgages
remember that whole recession thing that
happened it’s even much larger than
credit card debt in America
so that’s student loan debt crisis I
think it’s time to solve that any of you
that have full boat scholarships
athletic academic to college you can you
can not listen to this for the next few
minutes the people that do have to pay
to go to college it’s time to dial in
here a little bit when I talk about
student loan debt crisis we’re talking
about 1.4 trillion dollars trillion with
a T that’s a lot of zeros and that’s
only increasing and how are we getting
to that point people are borrowing well
beyond their means because they
understand the value of higher education
I’m not here to argue against the value
of higher education it’s quite the
opposite I’m here to talk to you today
about how you can get that great value
out of higher education but without
breaking the bank
without having to graduate and move back
in with your parents and live in the
basement for four or five years without
coming out with a mortgage payment but
it’s really going to student loans you
don’t get a house at the end of it you
get debt free from your 25 or 30 years
of paying off your student loans so I
have the answer but this is going to be
a multiple-choice quiz choice a if you
think this is the best way to solve the
debt crisis stay with me first of all
choice a is dual and concurrent
enrollment what this means is in high
school you can actually take college
courses there are a couple of ways to do
this one your high school faculty can be
deputized or hired as adjunct faculty
part-time faculty by the local community
college to teach college-level courses
this means you sit right with your peers
you’re in the high school you’re taking
the same course but what you do is you
pay a hundred or a hundred fifty dollars
depending on the Community College and
you walk away with three credits three
college credits but you’re also earning
your high school credits that’s
we call it dual credit you’re earning
both college and high school credits at
the same time now that’s one method
that’s become very popular so when you
walk out you just paid a hundred or 150
dollars for a three credit class we’re
at the local Community College it’s six
or eight hundred dollars at the
University it’s like 3,000 or 4,000
dollars you can start to see what this
savings would add up this method the
other side of dual or concurrent
enrollment concurrent is the part where
you can be in high school but also
taking college courses externally
meaning if you have block scheduling and
you have time to take two hours and go
take a course at the local Community
College down the road you can get a
course half price half price
so if it’s again six or eight hundred
dollars now it’s three or four hundred
dollars again these savings are starting
to add up
there are even stories out there where
high school students are starting to
graduate from high school and get a
certificate or an associate’s degree at
the same time can you imagine that
savings we’re talking twenty or thirty
thousand dollars because they have used
what I call choice a dual and concurrent
enrollment maximizing their time in high
school having a pathway and taking as
many courses as possible both at the
high school and then at the college the
other part of the high school to college
transition I’m going to highlight to
save some money is when you are coming
out of high school even if you’re going
on to a four-year university
maximize your time at the local
community college you can take courses
against six or eight hundred dollars and
transfer them to that four-year
university you want to go to now some of
you would stop me and say well wait a
minute I don’t want to take all of these
high school courses and not be able to
take them to my four-year university
that transfer ability exists hundreds
and hundreds of colleges and
universities take these courses so that
transfer ability does exist now that’s
one choice that’s the foundation that’s
a good place to start
I like multiple choices quizzes how many
of you out there think that you need
more than one or two choices multiple
choice usually it’s you know C or D
right I’m going to start with B now I’m
going to bring up B the next part is
actually maximizing time at the
community college so I’ve talked about
while you’re in high school now there’s
a community college nearby there are
over 1500 of them in the US and it is a
very popular choice no not just as a
back-up plan many people choose
community colleges they apply to them
but then apply to what they call their
reach schools and you know go to a
school that’s 50 60 $70,000 well that’s
great if that’s something you eventually
want to do but let’s maximize your time
at the community college you can go
there for a year two years or even up to
three years many colleges and
universities are now accepting up to 90
credits and transfer what that means for
a bachelor’s degree at 120 credits
you’re 3/4 of the way there take 3/4 of
that tuition at $50,000 a year off the
table and you’re just paying for that
senior year while you’re there also take
away any of those housing costs you
might have had and if you lose parking
fees the automatic meal plan stuff that
gets in there you’re saving literally
tens of thousands of dollars by being
able to commute being able to even maybe
work part-time while you’re going to
your local community college you know
there’s this giant trend around in many
small towns and it’s making its way into
the big cities about shopping local and
dining local why not learn local why not
learn local why isn’t that part of this
conversation it’s getting cool to stay
in the area you grew up and go you know
shopping and in it why not learn let’s
let’s throw that in shop local dine
local learn local let’s make it cool
again you know you hear from a lot of
parents and school counselors they want
their students to go away to college
well that’s great I think it’s important
to have an experience outside of your
hometown and go away but at what cost
why not save money get credits in your
in your hometown at your Community
College and then if you want to go away
why not travel why not after you
graduate take a year and go abroad or
maybe you’re working on a master’s
degree take some time and do some
traveling then when you rather have your
experience away without having a
full-time course load doesn’t that seem
like it would make a little more sense
I understand school counselors are
always working hard again to get people
to go away what if we rated school
counselors on
how much money they save students
getting degrees what if we had a
paradigm shift and they weren’t rated on
how many four-year schools they got
their students into or how selective a
university was what if we started a new
rating system for school counselors
parents stand by I’m not picking on
anybody here
school counselors we’re gonna rate you
on degrees four years five years out
completion rates of your high school
students and how much money they saved
paradigm shift something new to think
about I don’t know if I have the power
to make that happen but I want you to be
thinking about that now again back to my
multiple choice multiple choice means I
get another one I’m a see guy I usually
choose C not just because my name starts
with one but because I’m multiple choice
typically as C choice C in my multiple
choice quiz another way to save some
money it’s about structured pathways
structured pathways means everything I’m
throwing at you here from the dual in a
concurrent enrollment and community
colleges and transfers being able to
take all of that and put it in a nice
succinct pathway that’s what our school
counselors can help with that starts at
the middle school level seventh grade
eighth grade understanding what students
want to do what they want to be when
they grow up I haven’t figured it out
yet but maybe they will at seventh and
eighth grade and have them starting to
take classes and get involved in
internships so once they’re on these
pathways they can have boxes to check
and say alright I have to take this
course next this course next in a dream
world again they’re graduating high
school getting an associate’s degree go
to the Community College for a year get
another 25 or 30 credits take all of
those and transfer on but again have a
pathway have it mapped out and have a
plan you know school counselors I’m
again I’m not picking on you and parents
I’m not picking on you but it’s about
working with those students what do they
want to be when they grow up how do they
want to get there setting goals I mean
at the end of the day we all want our
students to meet their goals let’s help
them establish those goals you know and
part of these structured pathways are
not you know up to eighth grade over
here here’s high school here’s Community
College here’s four-year it’s about what
I call warm handoffs it’s a seamless
transition okay middle school students
it’s a warm handoff between school
counselors it
same thing to the Community College it’s
a closer better connection and then
direct seamless pathways into those
four-year schools you know right now I
have I speak to high schools all the
times and they say well my credits
transfer students shouldn’t have to ask
themselves that we should have that
mapped out for them we owe it from
education k12 in higher ed to show
students they’re structured pathways
here’s where it’s going to transfer
here’s the next step for you helping
them all along the way so we can help
them focus on their path rather than
questioning their paths you know it
takes the uncertainty out of that and
any any great quiz a B and C always
comes with a bonus of some kind right
I’m gonna skip D for a moment but I’m
gonna let you know about the bonus if
you are to do the dual and concurrent
enrollment if you are to also use and
maximize your Community College time and
transfer on there are also a few other
ways you can make some money along the
way you know I’m sure some of you were
saying part-time jobs or scholarships or
another way
there are many scholarships out there
that nobody even applies to that’s money
left on the table that’s me taking a
bunch of money saying all you gonna do
is write an essay there are a lot of
high school students and college
students that say well I don’t want to
write an essay they leave money on the
table it’s also a program called
work-study work-study means you can earn
money toward your tuition while you’re
in school these can be a couple hour
jobs whether it’s working in the the rec
center on campus community service out
in the community or trying to build your
resume if you’re an IT major maybe
you’re working the help desk get to
college now you have something on your
resume when you graduate with a degree
you don’t have to say zero experience
you now have references and experiences
internships out there you know right now
we’re in this economy if people just
need labor they need a workforce
well internships I’ll also tell you
people are gonna pay you for a lot of
these internships they’re gonna
compensate you and a lot of people when
you get an internship if you’re doing a
good job they’re gonna hire you on once
you get that degree this is another
another pathway there are grants out
there are grants that are available for
students that meet in all different
qualifications based on your background
your your family income level and then
I’ll throw out you know one of the
little tricks I used I was a
an assistant this means I was
responsible for leadership training for
watching over an entire residence hall
floor getting people to team build and
interact and you talk about experience
that’s what landed me my very first job
was three years of being an RA or a
Resident Assistant so those are some of
the bonuses I like to tuck in you know
what I’m doing a quiz I always go to the
very end and see if I know the bonus and
takes some time to think about it I like
the the points on top some other added
benefits when we talk about people
coming out of school early on because
they already had that associate’s degree
at the same time as high school one year
at Community College one year in their
bachelor’s degree I don’t know how many
of you just did the math and the time
but that’s only two years of college
after high school not four or five which
is the now average you get into the
workforce earlier what that means is yes
you’re a grown-up earlier but you’re
also earning earlier on the average two
or three years earlier you’re earning a
living wage a great wage but also you’re
fulfilling the need of your states and
the economy that need the workforce now
they can’t wait so why not speed up that
workforce pipeline and I’m gonna go back
to D because this is really the answer I
always choose it’s D all of the above
all of the above everything I have just
mentioned is part of this plan it’s a
structured pathway utilizing community
colleges transferability dual and
concurrent enrollment work-study also
getting into being a Resident Assistant
or volunteering grants scholarships if
you put this package together I
guarantee you will come out with minimal
debt in fact if you structure this
pathway just as I’ve described I
challenge you to contact me and I’d be
happy to work with you to pay off those
few dollars you might actually incur
again choice D all of the above
let’s structure these pathways thank you
let’s get rid of this student loan debt crisis bye-bye
I’ve solved the mystery I think I found
a way to solve the student loan debt
crisis now some of you were saying wait
a minute we have a student loan debt
crisis yeah it’s almost as much as
mortgages
remember that whole recession thing that
happened it’s even much larger than
credit card debt in America
so that’s student loan debt crisis I
think it’s time to solve that any of you
that have full boat scholarships
athletic academic to college you can you
can not listen to this for the next few
minutes the people that do have to pay
to go to college it’s time to dial in
here a little bit when I talk about
student loan debt crisis we’re talking
about 1.4 trillion dollars trillion with
a T that’s a lot of zeros and that’s
only increasing and how are we getting
to that point people are borrowing well
beyond their means because they
understand the value of higher education
I’m not here to argue against the value
of higher education it’s quite the
opposite I’m here to talk to you today
about how you can get that great value
out of higher education but without
breaking the bank
without having to graduate and move back
in with your parents and live in the
basement for four or five years without
coming out with a mortgage payment but
it’s really going to student loans you
don’t get a house at the end of it you
get debt free from your 25 or 30 years
of paying off your student loans so I
have the answer but this is going to be
a multiple-choice quiz choice a if you
think this is the best way to solve the
debt crisis stay with me first of all
choice a is dual and concurrent
enrollment what this means is in high
school you can actually take college
courses there are a couple of ways to do
this one your high school faculty can be
deputized or hired as adjunct faculty
part-time faculty by the local community
college to teach college-level courses
this means you sit right with your peers
you’re in the high school you’re taking
the same course but what you do is you
pay a hundred or a hundred fifty dollars
depending on the Community College and
you walk away with three credits three
college credits but you’re also earning
your high school credits that’s
we call it dual credit you’re earning
both college and high school credits at
the same time now that’s one method
that’s become very popular so when you
walk out you just paid a hundred or 150
dollars for a three credit class we’re
at the local Community College it’s six
or eight hundred dollars at the
University it’s like 3,000 or 4,000
dollars you can start to see what this
savings would add up this method the
other side of dual or concurrent
enrollment concurrent is the part where
you can be in high school but also
taking college courses externally
meaning if you have block scheduling and
you have time to take two hours and go
take a course at the local Community
College down the road you can get a
course half price half price
so if it’s again six or eight hundred
dollars now it’s three or four hundred
dollars again these savings are starting
to add up
there are even stories out there where
high school students are starting to
graduate from high school and get a
certificate or an associate’s degree at
the same time can you imagine that
savings we’re talking twenty or thirty
thousand dollars because they have used
what I call choice a dual and concurrent
enrollment maximizing their time in high
school having a pathway and taking as
many courses as possible both at the
high school and then at the college the
other part of the high school to college
transition I’m going to highlight to
save some money is when you are coming
out of high school even if you’re going
on to a four-year university
maximize your time at the local
community college you can take courses
against six or eight hundred dollars and
transfer them to that four-year
university you want to go to now some of
you would stop me and say well wait a
minute I don’t want to take all of these
high school courses and not be able to
take them to my four-year university
that transfer ability exists hundreds
and hundreds of colleges and
universities take these courses so that
transfer ability does exist now that’s
one choice that’s the foundation that’s
a good place to start
I like multiple choices quizzes how many
of you out there think that you need
more than one or two choices multiple
choice usually it’s you know C or D
right I’m going to start with B now I’m
going to bring up B the next part is
actually maximizing time at the
community college so I’ve talked about
while you’re in high school now there’s
a community college nearby there are
over 1500 of them in the US and it is a
very popular choice no not just as a
back-up plan many people choose
community colleges they apply to them
but then apply to what they call their
reach schools and you know go to a
school that’s 50 60 $70,000 well that’s
great if that’s something you eventually
want to do but let’s maximize your time
at the community college you can go
there for a year two years or even up to
three years many colleges and
universities are now accepting up to 90
credits and transfer what that means for
a bachelor’s degree at 120 credits
you’re 3/4 of the way there take 3/4 of
that tuition at $50,000 a year off the
table and you’re just paying for that
senior year while you’re there also take
away any of those housing costs you
might have had and if you lose parking
fees the automatic meal plan stuff that
gets in there you’re saving literally
tens of thousands of dollars by being
able to commute being able to even maybe
work part-time while you’re going to
your local community college you know
there’s this giant trend around in many
small towns and it’s making its way into
the big cities about shopping local and
dining local why not learn local why not
learn local why isn’t that part of this
conversation it’s getting cool to stay
in the area you grew up and go you know
shopping and in it why not learn let’s
let’s throw that in shop local dine
local learn local let’s make it cool
again you know you hear from a lot of
parents and school counselors they want
their students to go away to college
well that’s great I think it’s important
to have an experience outside of your
hometown and go away but at what cost
why not save money get credits in your
in your hometown at your Community
College and then if you want to go away
why not travel why not after you
graduate take a year and go abroad or
maybe you’re working on a master’s
degree take some time and do some
traveling then when you rather have your
experience away without having a
full-time course load doesn’t that seem
like it would make a little more sense
I understand school counselors are
always working hard again to get people
to go away what if we rated school
counselors on
how much money they save students
getting degrees what if we had a
paradigm shift and they weren’t rated on
how many four-year schools they got
their students into or how selective a
university was what if we started a new
rating system for school counselors
parents stand by I’m not picking on
anybody here
school counselors we’re gonna rate you
on degrees four years five years out
completion rates of your high school
students and how much money they saved
paradigm shift something new to think
about I don’t know if I have the power
to make that happen but I want you to be
thinking about that now again back to my
multiple choice multiple choice means I
get another one I’m a see guy I usually
choose C not just because my name starts
with one but because I’m multiple choice
typically as C choice C in my multiple
choice quiz another way to save some
money it’s about structured pathways
structured pathways means everything I’m
throwing at you here from the dual in a
concurrent enrollment and community
colleges and transfers being able to
take all of that and put it in a nice
succinct pathway that’s what our school
counselors can help with that starts at
the middle school level seventh grade
eighth grade understanding what students
want to do what they want to be when
they grow up I haven’t figured it out
yet but maybe they will at seventh and
eighth grade and have them starting to
take classes and get involved in
internships so once they’re on these
pathways they can have boxes to check
and say alright I have to take this
course next this course next in a dream
world again they’re graduating high
school getting an associate’s degree go
to the Community College for a year get
another 25 or 30 credits take all of
those and transfer on but again have a
pathway have it mapped out and have a
plan you know school counselors I’m
again I’m not picking on you and parents
I’m not picking on you but it’s about
working with those students what do they
want to be when they grow up how do they
want to get there setting goals I mean
at the end of the day we all want our
students to meet their goals let’s help
them establish those goals you know and
part of these structured pathways are
not you know up to eighth grade over
here here’s high school here’s Community
College here’s four-year it’s about what
I call warm handoffs it’s a seamless
transition okay middle school students
it’s a warm handoff between school
counselors it
same thing to the Community College it’s
a closer better connection and then
direct seamless pathways into those
four-year schools you know right now I
have I speak to high schools all the
times and they say well my credits
transfer students shouldn’t have to ask
themselves that we should have that
mapped out for them we owe it from
education k12 in higher ed to show
students they’re structured pathways
here’s where it’s going to transfer
here’s the next step for you helping
them all along the way so we can help
them focus on their path rather than
questioning their paths you know it
takes the uncertainty out of that and
any any great quiz a B and C always
comes with a bonus of some kind right
I’m gonna skip D for a moment but I’m
gonna let you know about the bonus if
you are to do the dual and concurrent
enrollment if you are to also use and
maximize your Community College time and
transfer on there are also a few other
ways you can make some money along the
way you know I’m sure some of you were
saying part-time jobs or scholarships or
another way
there are many scholarships out there
that nobody even applies to that’s money
left on the table that’s me taking a
bunch of money saying all you gonna do
is write an essay there are a lot of
high school students and college
students that say well I don’t want to
write an essay they leave money on the
table it’s also a program called
work-study work-study means you can earn
money toward your tuition while you’re
in school these can be a couple hour
jobs whether it’s working in the the rec
center on campus community service out
in the community or trying to build your
resume if you’re an IT major maybe
you’re working the help desk get to
college now you have something on your
resume when you graduate with a degree
you don’t have to say zero experience
you now have references and experiences
internships out there you know right now
we’re in this economy if people just
need labor they need a workforce
well internships I’ll also tell you
people are gonna pay you for a lot of
these internships they’re gonna
compensate you and a lot of people when
you get an internship if you’re doing a
good job they’re gonna hire you on once
you get that degree this is another
another pathway there are grants out
there are grants that are available for
students that meet in all different
qualifications based on your background
your your family income level and then
I’ll throw out you know one of the
little tricks I used I was a
an assistant this means I was
responsible for leadership training for
watching over an entire residence hall
floor getting people to team build and
interact and you talk about experience
that’s what landed me my very first job
was three years of being an RA or a
Resident Assistant so those are some of
the bonuses I like to tuck in you know
what I’m doing a quiz I always go to the
very end and see if I know the bonus and
takes some time to think about it I like
the the points on top some other added
benefits when we talk about people
coming out of school early on because
they already had that associate’s degree
at the same time as high school one year
at Community College one year in their
bachelor’s degree I don’t know how many
of you just did the math and the time
but that’s only two years of college
after high school not four or five which
is the now average you get into the
workforce earlier what that means is yes
you’re a grown-up earlier but you’re
also earning earlier on the average two
or three years earlier you’re earning a
living wage a great wage but also you’re
fulfilling the need of your states and
the economy that need the workforce now
they can’t wait so why not speed up that
workforce pipeline and I’m gonna go back
to D because this is really the answer I
always choose it’s D all of the above
all of the above everything I have just
mentioned is part of this plan it’s a
structured pathway utilizing community
colleges transferability dual and
concurrent enrollment work-study also
getting into being a Resident Assistant
or volunteering grants scholarships if
you put this package together I
guarantee you will come out with minimal
debt in fact if you structure this
pathway just as I’ve described I
challenge you to contact me and I’d be
happy to work with you to pay off those
few dollars you might actually incur
again choice D all of the above
let’s structure these pathways thank you
let’s get rid of this student loan debt crisis bye-bye
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