College Information - LCHS

College Board

College Board is committed to increasing the number of students who earn a college degree and are prepared to succeed in the 21st century.  Today's College Board works with middle schools, high schools, community colleges, four-year colleges, policymakers and state education agencies to achieve this mission.

The College Board seeks to ensure that every student in the United States has access to a high-quality education and is prepared to succeed in college.  Their College Readiness initiatives promote:

  • Curriculum
  • Assessment tools
  • District and guidance resources that help K-12 students prepare for the academic rigors of higher education

Through Advanced Placement college-level courses and exams, high school student can earn college credit and advanced placement, and learn from some of the most skilled, dedicated and inspiring teachers in the world.

College Loan Information

Always borrow federal first.  Federal student loans are cheaper, more available and have better repayment terms than private student loans.

Federal Perkins Loan

Awarded based on exceptional need.  Interest is subsidized and fixed at 5%.  No fees.  Favorable benefits may be lost upon consolidation.

Repayment begins 9 months after graduation or dropping below half-time enrollment status.

Federal Stafford Loan

Subsidized

Interest accrues with graduation for loans made in 2012-13 and 2013-14.  Repayment still begins 6 months after graduation.

Fixed interest rate is 3.4% if loan originated on/after July 1, 2011 for undergraduate students.  1% fees.

Unsubsidized

Interest accrues during school.  Fixed interest rate is 6.8% if loan originated on/after July 1, 2006.  1% fees.

On loans first disbursed on or after July 1, 2009, annual limits have increased by $2,000 for independent and dependent undergrads.

Repayment begins 6 months after graduation or after dropping below half-time enrollment status.

Federal Parent PLUS Loan

If loan originated on/after July 1, 2006:  Direct PLUS fixed interest rate is 7.9% with 4% fees.

Repayment begins 60 days after full disbursement, or 6 months after student graduates or drops below half-time.  Interest continues to accrue during deferment.

Federal Consolidation Loan

Combine loans to one lender.  Fixed interest rate is the weighted average of the loans rounded up to the nearest 1/8  of a % and capped at 8.25%.

Private/Alternative Loan

Eligibility, interest rate and fees based on better of borrower and cosigner credit scores.  More expensive than Federal student loans.

Private Loans Information

College Survival Guide

Free Magazine's for Your Teen

  • If you are a chill parent, how chill should you be?
  • If you are a bit of an intense parent, when is intense too intense? 

Your Teen Magazine‘s free College Admissions Survival Guide will help you decide how involved you want to be

FAFSA

Parents & Students: For students who are planning on attending college in the Fall of 2018, you are encouraged to apply for Federal Student Aid.  Even if you do not think that you "qualify" for aid because of family income, there is a video and article about why students should apply

FAFSA (Free Application for Federal Student Aid) - Official website you must use for college financial aid.  Applications are accepted from October 1, 2017 - March 31, 2018.

Students, parents, and borrowers are required to use an FSA ID, made up of username and password, to access certain U.S. Department of Education websites. Your FSA ID is used to confirm your identity when accessing your financial aid information and electronically signing your federal student aid documents.

Create a new FSA ID