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 Preshow # 1 CollegeReturn to index of stories... |
Now on New Hampshire Outlook -- Outlook on Money: Hear how this Manchester family found help sending their daughter to college. Then later: |
| Preshow #2 Fair Return to index of stories... |
The staggering cost of college. How do you pay for it -- and where and when do you begin. A panel of experts weighs-in on the ABC's of financing a higher education. |
| Intro College Plan Planning Return to index of stories... |
Hello. I'm Beth Carroll. Welcome to New Hampshire Outlook. A college degree can mean a better future --but, it can also lead to a deeply "mortgaged" future. Saving for college, assessing costs, and understanding financial aid options are important aspects to the college planning process. In this Outlook on Money report, we profile a NH family that knows the the ins-and-outs of financing college first-hand. As we see in this report, it's never too late to get organized. |
| Tag College Plan Return to index of stories... |
Paying for college is hard -- always has been. But, financial aid experts say if you're willing to make some sacrifice, look for available resources and save as much as you can, maybe borrow some -- most any family in this country can send their student to the school he or she deserves to go to. |
| Intro College Conv Return to index of stories... |
Okay, so we all know college is expensive. How and where do you begin when it comes to paying for it? To answer that question and more we have several experts in the field here in studio. State Treasurer and Trustee of the Unique College Investing plan, Mike Ablowich; Shanyn Grenier with the New Hampshire Higher Education Assistance Foundation's Network Resource Center; Robert McGann, Director of Admissions at the University of New Hampshire and Pat Branscombe, Director of Guidance at Pinkerton Academy. Welcome. Q SHANYN GRENIER: WHEN do you need to start planning for your child's college education?? When is it TOO LATE?? Q MIKE ALBOWICH: Never too early to plan. How does the "UNIQUE" Investing 529 Plan work. Give me a PROFILE of a FAMILY that might benefit from this approach? ** How late is too late to sign up? Q PAT BRANSCOMBE: You're dealing with jr's and sr's Thinking about college. What role should a guidance counselor play for college-bound students? ** Guidance Counselor First place to turn for questions on RESOURCES & college Planning. How do you find out about SCHOLARSHIP money and applications??? Q ROBERT MCGANN: How does finanical aid work.at UNH? What do parents need to know about sending Suzie or Johnny to the state University- ** Collegeboard.com says.MORE financial aid available than ever before? TRUE =============================== FIRST TAPE: FAMILY BETH: For many families.a higher education will be the most expensive service they'll ever buy. Meet Sarah Chant class of 2011. She and her father attended a recent college fair -- to check out schools and financial aid options. For Sarah's Dad , the total cost of college, tuition, fees and room-and-board is a bit daunting. |
| College Conv Return to index of stories... |
For those PAYING the bill -- it can be a serious case of sticker shock. Q SHANYN GRENIER: What is the AVERAGE COST these days of a private 4-year school?? Q ROBERT MCGANN: What's the AVERAGE TUITION for undergrads attending UNH? In-state.vs out-of state. **With GRANT AID -- will most students and parents pay LESS than the adverstised price? Is it better to set up ACCOUNTS in a student's name rather than parents? Q MIKE: Benefits of Unique College Fund: TAX ADVANTAGES: parent or grandparent, can give up to $55,000 a year without being subject to the gift tax. ** What happens if your child decides to DEFER college.any problem? ** What happens if Johnny or Suzy decides to join the Peace Corp --rather than go to college what happens to the money??? Limitations APPLY.like what? Q PAT/SHANYN: Where is the best place to look for college MONEY -- such as grants or, school aid. ** ANYONE else have any suggestions?? -Institutional Scholarships -Special Programs/ Grants -Community Organizations -Business firms/Unions/Ex-Military - Foundations QPAT/SHANYN: COLLEGE fairs -- Are they USEFUL in the planning process?? ============================== 2ND SOT TAPE: INTRO: Once the euphoria of college acceptance passes -- families of college-bound students turn their attention to the ultimate question: "How are we going to pay for it?" LOANS are one way SOT: Helen Tochka Nellie Mae: outcue: won the lottery. TAG: Nellie Mae -- offers loans to help make college affordable -- and adivce on borrowing wisely. Given Rising cost -- Some parents worry won't be able to afford to send their child to the college of their choice. ====== Q ANYONE: Average Tuition at Public & Private Colleges in New England HIGHER than any other region in the country. WHY is that? Q SHANYN/PAT: How EARLY do you need to contact the Financial Aid Office you wish to attend. ** at least 10-months PRIOR to entrance ** Are most students paying cost of college with LOANS rather than grants? Q PAT/SHANYN: What about COMMUNITY college. 4 out of 10 students go that route. COSTs LESS.money saved in 2 years at home can pay for last 2 years of a 4-year school. Q ROBERT: Does UNH -- give breaks to community college students? Q ROBERT: How key is it to Know the financial aid BOTTOM LINE. Could LOSE financial AID.if student's required GRADE POINT average is not maintained. Q How is GRANT aid.distributed? I hear that merit-based aid -- is grower FASTER than need-based aid?? Q SHANYN: Should Students and Parents avoid Credit Cards when it comes to paying those extra COLLEGE costs. Too easy for studens to let them spiral out of control. Don't need credit card debt along with student loans. Q ANY advice for parents and students.dealing with the high cost of a college education?? THANKS to all of you. BETH: EDUCATION PAYS. According to the college board: Over a 40-year career its estimated a college grad will earn 73% more than a high school graduate. Another resource is the website ScholarshipCoach.com. It includes free search engines for awards based on a wide range of criteria. "There are tens of thousands of organizations out there that all want to recognize different things - some awards are based on overcoming obstacles, others are for artistic ability," says founder Ben Kaplan, who funded his Harvard education by finding more than two dozen scholarships. The experts' main advice: Start planning your financial-aid strategy today. If college is coming up next fall, you can estimate your taxes now and submit a FAFSA as early as Jan. 1, Mr. Kaplan says. If you wait until spring, some pots of money will already have been handed out. |
| Family Intro Return to index of stories... |
For many families.a higher education will be the most expensive service they'll ever buy. Meet Sarah Chant class of 2011. She and her father attended a recent college fair to check out schools and financial aid options. For Sarah's Dad , the total cost of college, tuition, fees and room-and-board.is a bit daunting. |
| Fair Sot Return to index of stories... |
Once the euphoria of college acceptance passes -- families of college-bound students turn their attention to the ultimate question: "How are we going to pay for it?" Loans are ONE way. Nellie Mae -- offers loans to help make college affordable -- and advice on borrowing wisely. Given Rising cost -- Some parents worry won't be able to afford to send their child to the college of their choice. Q Average Tuition at Public & Private Colleges in New England HIGHER than any other region in the country. WHY is that? |
| Web Pointer Return to index of stories... |
Education Pays in the end. According to the college board: Over a 40-year career its estimated a college grad will earn 73% more than a high school graduate. Something to keep in mind -- when you assess the RETURN on your college investment. For a look back at all of our "Outlook on Money" stories you can log on to our website at nhptv.org/outlook. There you can also find New Hampshire Outlook available online on-demand. |
| Goodnight Return to index of stories... |
That concludes this edition of New Hampshire Outlook. Thanks for watching. I'm Beth Carroll. We'll see you next time. |
| GRAPHIC Return to index of stories... |
Some Places to Contact for Money for College College/University Financial Aid Officer Institutional Scholarships Special Programs/ Grants Community Organizations Business firms/Unions/Ex-Military Foundations Educational Loans Advanced Placement and Credit |
| key: Education Return to index of stories... |
NEW HAMPSHIRE OUTLOOK Air Date/Time: 11/21/05 HOST: Beth Carroll Length: 7:10 minutes Now on New Hampshire Outlook: Outlook on Money: Hear how this Manchester family found help sending their daughter to college. Then later: The staggering cost of college. How do you pay for it and where and when do you begin? A panel of experts weighs in on the ABC's of financing a higher education. Hello. I'm Beth Carroll. Welcome to New Hampshire Outlook. A college degree can mean a better futur, but it can also lead to a deeply "mortgaged" future. Saving for college, assessing costs, and understanding financial aid options are important aspects to the college planning process. In this Outlook on Money report, we profile a NH family that knows the the ins-and-outs of financing college first-hand. As we see in this report, it's never too late to get organized. PRODUCER/REPORTER: Beth Carroll NAME OF PARTICIPANTS: Dick Beaulieu\Ashley's Father; Karen Beaulieu\Ashley's Mother; Ashley Beaulieu\College Student; Zanna Campbell\NHHEAF Counselor |
| key: Family / Marriage Return to index of stories... |
NEW HAMPSHIRE OUTLOOK Air Date/Time: 11/21/05 HOST: Beth Carroll Length: 7:10 minutes Now on New Hampshire Outlook: Outlook on Money: Hear how this Manchester family found help sending their daughter to college. Then later: The staggering cost of college. How do you pay for it and where and when do you begin? A panel of experts weighs in on the ABC's of financing a higher education. Hello. I'm Beth Carroll. Welcome to New Hampshire Outlook. A college degree can mean a better futur, but it can also lead to a deeply "mortgaged" future. Saving for college, assessing costs, and understanding financial aid options are important aspects to the college planning process. In this Outlook on Money report, we profile a NH family that knows the the ins-and-outs of financing college first-hand. As we see in this report, it's never too late to get organized. PRODUCER/REPORTER: Beth Carroll NAME OF PARTICIPANTS: Dick Beaulieu\Ashley's Father; Karen Beaulieu\Ashley's Mother; Ashley Beaulieu\College Student; Zanna Campbell\NHHEAF Counselor |
| key: Education Return to index of stories... |
NEW HAMPSHIRE OUTLOOK Air Date/Time: 11/21/05 HOST: Beth Carroll Length: 18:25 minutes Now on New Hampshire Outlook: Outlook on Money: Hear how this Manchester family found help sending their daughter to college. Then later: The staggering cost of college. How do you pay for it and where and when do you begin? A panel of experts weighs in on the ABC's of financing a higher education. Okay, so we all know college is expensive. How and where do you begin when it comes to paying for it? To answer that question and more we have several experts in the field here in studio. State Treasurer and Trustee of the Unique College Investing plan, Mike Ablowich; Shanyn Grenier with the New Hampshire Higher Education Assistance Foundation's Network Resource Center; Robert McGann, Director of Admissions at the University of New Hampshire and Pat Branscombe, Director of Guidance at Pinkerton Academy. Welcome. PRODUCER/REPORTER: Beth Carroll NAME OF PARTICIPANTS: Mike Ablowich\NH State Treasurer/Trustee, Unique Investing Plan; Shanyn Grenier\NHHEAF Counselor; Robert McGann\Admissions Director/University of New Hampshire; Pat Branscombe\Director of Guidance/Pinkerton Academy |
| key: UNH Return to index of stories... |
NEW HAMPSHIRE OUTLOOK Air Date/Time: 11/21/05 HOST: Beth Carroll Length: 18:25 minutes Now on New Hampshire Outlook: Outlook on Money: Hear how this Manchester family found help sending their daughter to college. Then later: The staggering cost of college. How do you pay for it and where and when do you begin? A panel of experts weighs in on the ABC's of financing a higher education. Okay, so we all know college is expensive. How and where do you begin when it comes to paying for it? To answer that question and more we have several experts in the field here in studio. State Treasurer and Trustee of the Unique College Investing plan, Mike Ablowich; Shanyn Grenier with the New Hampshire Higher Education Assistance Foundation's Network Resource Center; Robert McGann, Director of Admissions at the University of New Hampshire and Pat Branscombe, Director of Guidance at Pinkerton Academy. Welcome. PRODUCER/REPORTER: Beth Carroll NAME OF PARTICIPANTS: Mike Ablowich\NH State Treasurer/Trustee, Unique Investing Plan; Shanyn Grenier\NHHEAF Counselor; Robert McGann\Admissions Director/University of New Hampshire; Pat Branscombe\Director of Guidance/Pinkerton Academy |
| Tonight 7:30 Return to index of stories... |
Tonight on New Hampshire Outlook: Join us tonight at 7:30 only on New Hampshire Public Television. |
| WEB PROMO Return to index of stories... |
Tonight on New Hampshire Outlook. . Tonight at 10pm on New Hampshire Public Television. |
| Post Show Log Return to index of stories... |
Monday November 21: We had four guests tonight and we needed to be done by 5:45. We had a little trouble with the audio mixer that Adam G. wrote up. Beth's mic dipped down and one of the guests mic dropped out. We did not stop because of the time issue but if this continues we are going to not be watchable. Some of the camera shots were slow but we had our newest crew on camera. And shooting 4 guests can be tricky. Other than that it seemed to be okay. |
| web briefs Return to index of stories... |
Watch NH Outlook weeknights @ 7:30 p.m.! For your convenience, shows also re-air @ 11:30 p.m., 1 a.m. and 6 a.m. Look for the Friday "Journalists Roundtable" discussion airing @ 11 a.m. during NHPTV's Sunday public affairs program lineup. And, you can watch us on the web anytime! All of our programs are available at www.nhptv.org/outlook. ++++++++++++++++++ MONDAY, NOVEMBER 21 OUTLOOK ON MONEY: COLLEGE PLANNING Pricing out a college education can easily send you into sticker shock. As college costs escalate, financing a higher education becomes increasingly challenging. In this edition of our continuing series, Outlook on Money, we provide practical help in meeting this challenge. Get nuts-and-bolts information and expert advice on how to plan and pay for a college education, including guidance on savings plans, tax benefits and student financial aid. The program follows the Beaulieu family of Manchester, as they navigate through the maze of obstacles and financing options while planning for their daughter’s college education. Guests scheduled to appear also include Robert McGann, Director of Admissions at the University of New Hampshire; Mike Ablowich, New Hampshire State Treasurer and administrator of the state-sponsored Unique 529 Plan Fund; Pat Branscombe, Director of Guidance at Pinkerton Academy; and Shanyn Grenier, a New Hampshire Higher Education Assistance Foundation representative. http:/www.nhptv.org/outlook/money/ http:/www.nhheaf.org http:/www.nh.gov/treasury/Divisions/Unique/Unique.htm TUESDAY, NOVEMBER 22 PANDEMIC DRILL Most experts agree that the spread of pandemic flu in the United States is inevitable. How prepared are we for this potentially devastating outbreak? Recently, the New Hampshire Department of Health and Human Services, along with local governments and the Bureau of Emergency Management, held a first-in-the-nation pandemic influenza drill. The drill, designed to test the state’s ability to respond to a large-scale flu outbreak, included mass vaccination clinics in Manchester, Portsmouth and Colebrook. We’ll see the drill in action, assess its strength and weaknesses, and find out what we’ve learned from it. Program guests include Bruce Cheney, Director NH Dept of Safety Division of Emergency Services and Homeland Security Advisor; Christopher LeClaire, Portsmouth Fire Department Chief; and Frederick Rusczek, Manchester Public Health Director. http:/www.dhhs.state.nh.us/DHHS/DHHS_SITE/default.htm http:/www.cityofportsmouth.com/ http:/www.manchesternh.gov/index.asp WEDNESDAY, NOVEMBER 23 JUSTICE NADEAU After 37 years on the Bench, Justice Joseph Nadeau is retiring. But Nadeau, who spent the last five years on the NH Supreme Court, won’t be idle! He’s leaving before the mandatory retirement age to spend more time helping to develop legal systems in countries around the world. Recently, he worked with Iraqi jurists on crafting their country’s new constitution. Richard Ager brings us an inside look at a man with a lifelong passion for the law. http:/www.courts.state.nh.us/supreme/meetnadeau.htm COURT LISTENING SESSIONS The 100-member citizen’s commission on the courts has just completed its final public listening session. The commission is examining all aspects of the state’s courts, looking for ways to improve them. Richard Ager talks with Kathy Eneguess and Will Abbott, commission co-chairs, to find out what they’ve been hearing from citizens around the state. http:/www.nhcitcourts.org/ THURSDAY, NOVEMBER 24 THANKSGIVING DAY SPECIAL EDITION For many of us, Thanksgiving is a time to re-connect with our families, share memories and give thanks. But how did this holiday really get started? NH Outlook's Chip Neal shows us the connection between the town of Newport, New Hampshire and the origins of our Thanksgiving holiday. Also in this program, we’ll look at how Thanksgiving has evolved through the years, as we stroll the kitchens of Strawbery Banke in Portsmouth. And, we’ll talk to author Helen Brody about her book "New Hampshire From Farm to Kitchen." FRIDAY, NOVEMBER 25 SPECIAL EDITION: COLONIAL HOUSE This special edition of NH Outlook, inspired by the PBS series Colonial House, takes a fresh, new look at colonial life in New England. We watch as modern-day time travelers get a hands-on history lesson! Colonists, selected from around the country, participate in a living history experiment in a small town in Maine. One of the colonists was a late arrival from Bedford, New Hampshire. This program was previously broadcast. ++++++++++++++++++++++++ NH Outlook is dedicated to statewide coverage of the people, places, politics, communities and culture that make the Granite State unique. NH Outlook airs weeknights @ 7:30 p.m., and again @ 11:30 p.m., 1 a.m. and 6 a.m. In addition, our Friday Journalists Roundtable edition, featuring journalists from around the state, will re-air Sunday mornings @ 11 a.m. during our public affairs lineup: NOW @ 10 a.m.; Washington Week w/ Gwen Ifill @ 10:30 a.m.; and The McLaughlin Group @ 11:30 a.m. You can also watch the program in RealPlayer, view past programs and get program updates on the Web at www.nhptv.org/outlook For story ideas and program comments, please call 868-4334. About New Hampshire Public Television: Beyond its award-winning local and national television programs, New Hampshire Public Television is a leader in education and community outreach. NHPTV provides instructional services for 206,000 students from kindergarten through high school; offers Ready To Learn programs and services for children preschool to age 8, parents, and early education professionals; and provides professional development programs and advanced technology training for educators in New Hampshire and neighboring states. For more information about NHPTV programs that entertain, educate and enrich, visit www.nhptv.org http:/www.nhptv.org. If you no longer wish to receive this service, please send a return e-mail with “unsubscribe” in the subject box. |
| voice overs Return to index of stories... |
Monday November 21st Coming up: Outlook on Money and college planning. I'm Beth Carroll NH Outlook is next. Tuesday November 22nd Coming up, the state tests community response to a large-scale flu outbreak. I'm Beth Carroll, how the drill went next on NH Outlook. Wednesday November 23rd Coming Up: retiring Associate Supreme Court Justice Joseph Nadeau on what's next in his life. I'm Beth Carroll that's straight ahead on New Hampshire Outlook. Thursday November 24th Coming Up: the origins of Thanksgiving. I'm Beth Carroll a special encore presentation of New Hampshire Outlook next. Friday November 25th I'm Beth Carroll coming up join me on a journey through Colonial New England. Join me for a special encore presentation of New Hampshire Outlook next. |
| Intro Credit Debt Return to index of stories... |
Are you one of those who owe credit card companies big time? You're not alone. The Federal Reserve says consumer debt has doubled in the past ten years. We continue our Outlook on Money series with the story of a young woman who amassed thousands in credit card bills. She is slowly pulling herself out of debt. |
| Youth Debt Return to index of stories... |
Credit Card Debt N1 - Becky Schwab was barely out of high school when she learned how easy it is to get credit. Becky 1417 - "I just applied for it and I was approved for it, and they gave me a hundred dollars credit. That was the first amount I got." N2 - And it didn't take long to spend it. Becky 1446 - "It was very exciting. I had a hundred dollars in my hands that I thought, wow, I can use this, I can buy what I want with this, and it was, I remember buying the first thing that I bought and it was very exciting." N3 - Becky is a University of New Hampshire senior. She lives in Concord with her family. The first item that showed up on her credit card statement was a backpack. Many other items soon followed. Becky 1530 - "I remember buying stuff that I really didn't need. I bought the backpack, I bought clothes, I'd go out to dinner with friends, I'd go to the movies. I would just spend it on things that I really didn't need to have. And it just accumulated so fast. I mean, it was incredible how fast it just added up." Carol 235ish - "We know that many college students have a lot of issues with money; a lot of them work very hard to earn money, but it's more important what they do once they've earned it." N4 - That's what Carol Bischoff wants to teach students. She works with Project C.A.S.H., a program supported by the University of NH to help students manage money and avoid debt. Carol 210 - "And the primary goal is to help students at the University become more aware of both credit and cash, and how they use it." N5 - Karen Blass helped start project C.A.S.H. It stands for creating a savings habit. Karen 215ish - "And we wanted to involve students in the project too. We felt that it would be far more effective to have peer educators go out and to work with students and share their experiences." N6 - Peer educators talk to students about money and credit issues. Karen 700ish - "The latest statistics done by Nelly May indicate 83% of undergraduates have a credit card. They average number of credit cards between students is somewhere between 4 and 6. / Also an interesting statistic is that out of the students who have credit cards as freshman, 3 out of 5 of those students will have maxed it out by the end of the year." Becky 1555 - "I started with a 100 dollar credit limit and then over three or four months when I was consistently paying off my bill, they would raise it, and it went up to 200, and then it went up to 500, and then it was1000, and every time it kept going up I kept using it. So eventually, I think by the time it was all said and done, I had used about 6,500 dollars worth of credit." N7 - By the age of nineteen, Becky found herself with 20 credit cards. Yes, twenty. Becky 1640 - "Yeah, because what I would do is I would open one and then when the interest rate would start to get high I would switch it to a zero percent card, and then as soon as that six-month period was up at zero percent, I would switch to another zero percent card." Dan 5720ish - "If you look at the statistics 45% of college students have over $3,000 in credit card debt and 10% of them have over $10,000 credit card debt." N8 - Dan Hebert is president of the NH Jump$tart Coalition. The group teaches financial literacy to young people. He says those young people spend a lot of money and credit card companies know that. Dan 5700 - "They target college students because kids spend money. I mean teens, American teens on average will spend $91 per week. That makes them, if you add it up, that makes them a $169 billion dollar industry." On-Camera - Many freshmen are particularly vulnerable to credit card debt. They are on their own for the first time. Few are financially literate and quickly find themselves in trouble. Carol 530ish - "Some extreme circumstances were so bad that there were students who actually committed suicide because of the credit card debt. The credit cards and all their bills they had spread out all over their bed. Just a terrible, terrible, unnecessary tragedy, so we want to be sure students have the information and know that there are other ways that they can get help, and help them make better decisions." Becky 1835 - "When I got up to that 6500 that was in January 2003, I was having nightmares and panic attacks about my credit card debt, and I decided I had to stop, and I created a budget which is something that I had never done before." N9 - And she cut her credit cards into pieces. Becky was then able to save some money. Becky 1905ish - "And that is what I started doing, I started putting three or four hundred dollars down a month on my credit card which killed, but I did it because I had to do it." Carol 950ish - "One of the real key factors we look at, and try to help students focus on, is, if you're thinking of buying something- is this a want or a need? And often times, if you can really get it down to just that basic, they'll also be able to see that they really don't have to purchase some new outfit or, whatever it might be." Standup: Once you decide whether something is a need or want, then it's time to figure out how you're going to pay for it. Dan 300ish - "First and foremost I would say get a checking account and have a debit card attached to that checking account. And use that debit card in place of a credit card. That credit card should only be for emergencies as a college student. Now the reality is that it isn't going to happen. But if in fact you do use your credit card, keep track of your purchases, make sure you pay it off every month and operate on a budget." N10 - By the way -- Becky's $6,500 credit debt has been cut in half. Becky 2145 - "I am not where I want to be, I still have a long way to go paying off my credit cards, but I've definitely learned a lot from it. I have learned that I can't trust myself with credit, and once I get rid of this credit card I am going to get a card with a low credit limit, like 500 dollars and I am only going to use it for emergencies or basically I will use it for things that I can pay off every month, like if I get gas with it I can pay that off every month." |
| Preshow #2 Credit Return to index of stories... |
Dealing with the credit card crunch. How one college senior has taken charge of her cards. |
| Tag Youth Debt Return to index of stories... |
The first credit card was used in 1950. The "Diners Club" cards were honored at 27 different New York City Restaurants. ???change -- this was the tag we used in April as a full screen bump. wasn't sure if you wanted this or something else |
| website Return to index of stories... |
For information on our program, and links to our guests and interviews, visit our web site at nhptv.org. You can see and hear streaming video of our broadcasts. We want to know what's on your mind. Join our discussion forum and tell us what you're thinking. If you have a story idea or comment on our program, click the feedback button. Or, call us at 800-639-2721. |