The Price You Pay for College: An Entirely New Road Map for the Biggest Financial Decision Your Family Will Ever Make By Ron Lieber

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Rating: 9 (4268 reviews)
Author: Ron Lieber

Kindle Store,Kindle eBooks,Business & Money The Price You Pay for College: An Entirely New Road Map for the Biggest Financial Decision Your Family Will Ever Make Ron Lieber

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Audio Book The Price You Pay for College: An Entirely New Road Map for the Biggest Financial Decision Your Family Will Ever Make with Free EASY Reading Download Now!

The hugely popular New York Times “Your Money” columnist and author of the bestselling The Opposite of Spoiled offers a deeply reported and emotionally honest approach to the biggest financial decision families will ever make: what to pay for college. Sending a teenager to a flagship state university for four years of on-campus living costs more than $100,000 in many parts of the United States. Meanwhile, many families of freshmen attending selective private colleges will spend triple—over $300,000. With the same passion, smarts, and humor that infuse his personal finance column, Ron Lieber offers a much-needed roadmap to help families navigate this difficult and often confusing journey. Lieber begins by explaining who pays what and why and how the financial aid system got so complicated. He also pulls the curtain back on merit aid, an entirely new form of discounting that most colleges now use to compete with peers.While price is essential, value is paramount. So what is worth paying extra for, and how do you know when it exists in abundance at any particular school? Is a small college better than a big one? Who actually does the teaching? Given that every college claims to have reinvented its career center, who should we actually believe? He asks the tough questions of college presidents and financial aid gatekeepers that parents don’t know (or are afraid) to ask and summarizes the research about what matters and what doesn’t.Finally, Lieber calmly walks families through the process of setting financial goals, explaining the system to their children and figuring out the right ways to save, borrow, and bargain for a better deal. The Price You Pay for College gives parents the clarity they need to make informed choices and helps restore the joy and wonder the college experience is supposed to represent.

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The author writes he wants people "to feel much more competent" about the college selection process, and it's clear his readers should feel that. He also writes, "it is a book about value." It's less clear he's achieved that objective. For value, when it comes to higher education, is an elusive concept. No one agrees on what constitutes value much less the means of accurately measuring it. That said, the book should equip readers to at least spot the misleading value-propaganda permeating the world of higher ed.For starters, when reading a book it's important to be aware of whom it was written by and for whom. In this case, it was written by someone who had a reportedly transformative experience at a highly selective, expensive private college. By and large, it was written for parents and students who are pursuing a traditional residential college experience. So that limits the primary audience considerably since the traditional residential college experience has become a luxury good in 21st-century America. Of course, there are elements of the book that address other markets (community colleges, armed forces, etc.), but not well (or, in my opinion, fairly).Because my opinion is embedded in this review, I suppose it's fair to reveal my background as well. I was reared in a rural working class community, attended a flagship public university, practiced law, ran a $2 billion manufacturing company, was president of a small liberal arts college, and counseled and taught community college students. I also paid for two sons to attend private colleges. One turned out to be an excellent choice, the other a poor one. Finally, I was interviewed by the author as he researched this book.Perhaps because of my background and experiences, I was particularly put off by the author's characterization of community colleges as a "money-saving hack" and these two chapter titles: "Community College Will Save You Money, But What Might You Lose?" and "Skipping College Is Probably Not a Great Idea." For whom?, I might ask. In my less generous moments, it's easy to describe this book as written by an elite for elites (in fact, that's how I described it to my wife). But, of course, it's more than that. In fact, it's particularly helpful for anyone considering a traditional residential college experience.Which brings me to the largest holes in this book. In the haste to shine light on the mysterious college selection process, the author has skipped over (in my opinion) the most important step in the process: knowing who you (the student) are and what you want. Where you go should be dictated in large part on your unique self and objectives. For some, being clear about that will help narrow your college search immensely. And if your answers are, I don't know, that, too, will inform your search greatly.The fact of the matter is, in the Internet age content is free. No one has to attend college for content any longer. So what are your objectives? To continue your sports playing a career? (the reason many Division III colleges remain viable) To earn a prestigious bachelor's degree to launch yourself into a prestigious graduate or professional school? To work on Wall Street? In Silicon Valley? In your hometown? To learn technical skills in an associate's program to gain a well-paying job at a local manufacturing plant? The list is nearly endless. Still, it's the best place to start in any college selection process. The book, of course, focuses on colleges and not students and, in particular, price and value, which is fine provided you understand it isn't as comprehensive as it might first appear.Nearly lost is the one element I personally consider the most important when choosing among four-year colleges: their FOUR-year graduation rates. At certain institutions and programs, it's impossible (or nearly so) to graduate in four years due to resource limitations. That means a much higher total cost for your education, particularly after factoring in lost opportunity costs (one less year earning wages in the real world) and the fact many scholarships (discounts) expire after four years. At other institutions, a low four-year rate exposes other institutional flaws or weaknesses. In any case, if I had it to do over, I would prioritize the college's four-year graduate rate, not only for cost reasons but also for reasons relating to the value of the learning experience and value of the degree. Indeed, assuming academic credentials or money would not be bars, I would not consider a college with a four-year graduation rate lower than 75%.Finally, more important than where you go is what you study and whom you are. Majors matter a lot. And effort matters even more. Again, back to the "know yourself" point I made at the outset. Yet these factors were largely ignored or received short shrift in the book. Honing in on the institution's job placement data is highly informative as well. Many (if not most) colleges provide only misleading data at best. Some provide detailed, well researched data. This data set will tell you a lot about an institution (and its ethics and character).In sum, this is a helpful book for anyone who needs a better understanding of the worlds of college marketing, pricing, and selection. If you're about to embark on the college selection process but don't know how it works or what to expect, by all means buy this book. It will pay dividends. If you're considering options other than the traditional four-year residential experience, then beware of some of the biases embedded in the book. There are good counter-arguments to some of the positions taken in the book with regard to the alternatives. Finally, don't rush into the process without first understanding who you are and what you want. That in itself should play a major role in your choice of a college.

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Audio Book The Price You Pay for College: An Entirely New Road Map for the Biggest Financial Decision Your Family Will Ever Make with Free EASY Reading Download Now!

Audio Book The Price You Pay for College: An Entirely New Road Map for the Biggest Financial Decision Your Family Will Ever Make with Free EASY Reading!

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Mobi The Price You Pay for College: An Entirely New Road Map for the Biggest Financial Decision Your Family Will Ever Make with FREE EASY Reading Download Now!

Audio Book The Price You Pay for College: An Entirely New Road Map for the Biggest Financial Decision Your Family Will Ever Make with Free EASY Reading Download Now!

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Audio Book The Price You Pay for College: An Entirely New Road Map for the Biggest Financial Decision Your Family Will Ever Make with Free EASY Reading Download Now!

Audio Book The Price You Pay for College: An Entirely New Road Map for the Biggest Financial Decision Your Family Will Ever Make with Free EASY Reading!

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