College Grants - A Few Things You Need To Know - Mr Test Prep

Navigating colleges finances can be extremely challenging. As a student, it is not likely that you’ve managed finances beyond a part-time job or paid for a large expense. College costs and financial aid can be complicated to understand and hard to envision how it will impact your future. Here are a few thing you need to know about grants to help you navigate college costs and financial planning.

Grants and Loans

The most important thing you need to know about college finances is that loans are not grants. You will be required to by back every dollar of a loan with interest. A grant is money that is given to you for the purposes of education. You will not have to pay back a grant.

Apply

Apply for every grant or scholarship you are eligible for. Full-ride or even high dollar scholarships are very competitive and hard to win. Small scholarships can add up fast and be helpful, but you have to put in the work of filing out applications and searching out scholarships.

FAFSA

The FAFSA is the federal financial aid application. You should submit this form every year, no matter what your financial situation is. Even minor changes in your family’s financial situation can change how much you are eligible for in loans and grants. It will also enable you to take out a federal loan, which is almost always offers a lower interest rate than private loans.

Front-Loading

An article from Forbes warns to watch out for a practice called front-loading. Colleges will offer large grants the first year to lure students in, then lower the grant amount in successive years, making the cost of college much higher than anticipated. Ask the college if the grant is offered every year or what the student needs to accomplish each year to receive the same award.

Ask for More

Colleges want the best and brightest students and may be willing to offer more grant money to entice you to enroll. If the college of your choice doesn’t offer you as much grant money as you need, you can ask for more. They may give you what you need to make it possible to attend their institution. The worst they can say is no.

Plan Ahead

Grants are one of the best ways to pay for college. Excelling in academics, pursuing leadership roles and investing in your community are all things you can do to show a college that you are worth pursuing. Student loans can also help you achieve your goals, just keep in mind that a future with student loans will include student loan payments. A little financial planning now will prevent you from being bogged down with debt when you graduate.

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Maria Ayala

Many people are good at what they do, less are great and then there are those rare few who were born to do what they do; Michael Romano was born to help students. His enigmatic, vibrant and intellectual personality iexudes positivity and comfort. I discovered Michael’s SAT Prep last summer as I continuously banged my head on my desk while drowning in a pile of SAT books filled with questions that made no sense to me. I never thought myself capable of excelling on standardized tests or of even attending a top university but upon meeting Michael my whole life changed. Michael is so much more than a tutor, he’s an inspiration, an unsung hero, a friend who’s there to bring out the best in you, to introduce you to your uncapped potential, which you were so blindly unaware of. It is with no exaggeration that I can say that each and every one of the 40 sessions that I attended with Michael were both a blend of academic triumph and hysterical laughter, for he is the only person that can make any SAT problem into the funniest joke you’ve ever heard. With time, his inspirational jargon will resonate with you wherever you go, to the point that “Dazzle me, don’t frazzle me” will become a common melody in your ear. In the short time I’ve known Michael, I’ve grown equally as a person as I have as an SAT test taker and I owe him much more than just a thank you for helping increase my score by 300 points! I owe him my sincerest and most genuine gratitude for giving me a future, for encouraging the highest of excellence and for proving to me as well as every single student that has ever walked through his doors, that absolutely anything is possible if one is willing to work hard enough for it. Despite my effort this testimonial still doesn’t even come close to the magic, the music, the jokes, the charisma of the greatest tutor you’ll ever meet. Choosing to work with Michael Romano was the best decision I’ve ever made and I can guarantee that it will be yours too. So to all reading this, I wish you good luck with your academic endeavors and to Michael, I applaud you on all you have done for me and every other student you’ve ever met. You truly are one of a kind : )

Maria Avalya
Middle College 2014
UCLA 2018

Julia López

Mr. Romano is the best tutor I have ever worked with… EVER!! I had gone to previous SAT prep centers, but none of them gave me the help and results that Mr. Romano did! One thing that was different with Mr. Romano, was that I actually enjoyed attending his test preps, and would even look forward to them!! As a busy student, with multiple extra curricular activities, his flexible schedule and no homework policy made prepping for the SAT less stressful! Mr. Test Prep’s one-on-one assistance helped me to not only identify my mistakes, but understand, and correct them as well. Also, Mr. Romano’s relaxed demeanor and constant positive attitude created a wonderful learning environment, which helped me improve my score by 500+ points! I also scored in the 700s on my SAT Subject Tests too! Mr. Romano totally prepared me for these exams, and I know I would not have been able to do as well as I did without him! Because of Mr. Romano, I am more confident in my test taking and academic abilities! Mr. Test Prep is more than a tutor! He is a mentor, and a pretty incredible one at that! It is safe to say that Mr. Romano is the one of the reasons why I was accepted to UC Davis, UC Santa Cruz, UCLA, UC Berkeley, Cornell University, and Georgetown University, where I will be attending in the fall!! THANK YOU SO MUCH MR. TEST PREP!! YOU’RE THE BEST!!!

Julia López
Lincoln High School (San José) ‘13
Georgetown University ‘17
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Guillermo Lopez

Mr. Romano is simply the best. Upon entering Mr. Romano’s test prep, I knew little about the SAT. The knowledge and wisdom that I inherited from Michael is truly priceless. While at Mr. Test Prep’s, Michael helped me zone in and conquer the areas in which I was struggling. Mr. Romano was very encouraging and supportive to me every time I was in his presence. Mr. Romano would carefully evaluate my progress and generously give me tips on any of my consistent confidence shortcomings. Michael’s years of experience and great social skills has enabled him to express his knowledge in ways that would help me better understand any given material. My scores, in all sections of the SAT, had climbed very significantly. Along with my growth in confidence, the appreciation I have for Mr. Romano and all his hard work grew even more. For anyone who has worked with Mr. Romano, it is clear that MICHAEL ROMANO IS THE “GO TO” GUY FOR ANYTHING RELATING TO THE SAT. Mr. Romano goes far beyond that of a SAT prep teacher. Michael has become to me more of a mentor and good friend. Other than being a great teacher, Mr. Romano is also a great person; a likable person. Michael Romano ranks among the highest all around great individuals I have had the honor of knowing. It meant all the more to me that Mr. Romano was always someone I can turn to for valuable insight on things that might be giving me trouble; both in and out of the classroom. I struggled a lot with academics in high school and often worried about my ability to continue education in a college setting, but Mr. Romano made all the difference. After I was taken under Michael’s wing, my academics made a significant change for the better. My grades began to soar hand-in-hand with my SAT scores. Mr. Romano helped me the way nobody else could. I owe a lot to Michael and thank God that He has blessed me in coming to know Mr. Romano. With all that he has done for me, Michael has helped my once far-fetched dream of continuing my studies in Santa Barbara a reality.

Guillermo Lopez
Lincoln High School '14
Sanat Barabra College '18

Veronica Louise Mendoza

I had gone to over three different standardized testing tutors in the Bay Area since my freshman year. All left me unsatisfied, with mediocre results and my mother constantly reprimanding me for spending so much money on multiple exams and different tutors. On a whim, we tried Mr. Test Prep. Many of my friends had gone to him and raved about how his tutoring style is unique, effective, and definitely worth the money. They all succeeded in their standardized test preps, why shouldn’t I?
I can clearly remember Mr. Test Prep’s response when I said, “I’m no good at math and science.” He said, “Don’t think that way! These questions are easy if you think of them as easy. Let me break ‘em down for you…” Ever since then, the ACT has not intimidated me with the daunting math and science sections. His tricks to make sure I didn’t make any “silly” mistakes even increased my scores to near-perfection in the subjects that I was stronger in – reading, writing, and English! Additionally, the group testing environment was insanely helpful in practicing what to expect during test day. Mr. Test Prep’s unpredictable outbursts of songs and people’s sneezing and coughing inevitably allowed me to block out the irrelevant and focus on the test. I also still do his meditations today before a big event or test! They have assisted me greatly in becoming more centered, and have me diving into any task headfirst with steady hands and tranquility.
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Veronica Louise Mendoza (Mountain View, CA)
Sacred Heart Preparatory, Class of 2015
UCLA, Class of 2019

Maxwell “M-Bizzle” Bernstein

Michael Romano is the best. No exceptions. My first experience with SAT prep was with a not-so-great company, so I was at first reluctant to try Mr Test Prep. Boy, was I wrong — I should have started with him from the beginning! In the first half hour of the trial session he told me that I was probably better suited for the ACT. I tried my hand at that instead, and scored significantly higher. Mr Test Prep also helped me prepare for the PSAT, and now I am a National Merit Scholar. I definitely could not have done it without him. Michael is relaxed and funny, but don't let that fool you! He is a class A++ tutor. Thank you!!

Maxwell "M-Bizzle" Bernstein
PALY 2014
Tufts University 2018

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