For others, the Coalition Application may not be of benefit, particularly if only some of the student's schools accept the Coalition. Ultimately, each applicant should weigh the pros and cons to decide if the Coalition Application is the right choice. Share Flipboard Email. Allen Grove is an Alfred University English professor and a college admissions expert with 20 years of experience helping students transition to college. Updated January 17, Key Takeaways: Coalition Application The Coalition Application is a college application platform currently accepted by over schools. In addition to allowing students to submit applications, MyCoalition offers a resource library and tools for storing documents and collaborating with others.
Any college applicant can use the Coalition Application to apply to a participating school. Choosing to use the Coalition Application as opposed to the Common Application does not impact admissions chances, but Coalition is accepted by far fewer schools. MyCoalition has four primary features:. Locker: This tool is a space to store materials that might be useful in the college admissions process.
Students can upload essays, research projects, artwork, videos, and photography to the Locker. During application time, students can choose which materials in the Locker they want to share with colleges.
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Collaboration Space: The Collaboration Space allows students to invite friends, family members, teachers, and counselors to provide feedback on application materials. This feature can be particularly useful when revising your application essay and tweaking your list of extracurricular activities so that they shine.
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MyCoalition Counselor: MyCoalition Counselor is an online library of resources to help students with the application process. The feature does not include live communication with a counselor, but students can use the resource library to get expert advice on paying for college, managing the SAT and ACT, and writing application essays. Coalition Application: The Coalition Application is the place where students compile all the materials they've gathered on MyCoalition throughout high school and ultimately submit their college applications.
Tell a story from your life, describing an experience that either demonstrates your character or helped to shape it. Describe a time when you made a meaningful contribution to others in which the greater good was your focus. Discuss the challenges and rewards of making your contribution. How did you respond? If you qualify for a program that does, consider using it to pay down your private loans first. But what if you land that six-figure job — or close to it — with a private firm right out of college?
In this case, your options for dealing with your student loans are completely different. It used to be that refinancing for student loans was unheard of. Refinancing unsecured loans carries big risks for lenders, after all. Nowadays, though, several organizations exist primarily or even solely to refinance student loans.
First-generation law students: struggles, solutions and schools that care
These organizations include SoFi and Credible. Refinancing large student loan balances can save you tens of thousands of dollars over time, with a smaller interest rate or a tighter repayment time frame. Some of these organizations could cut your interest rate in half. Plus, many offer refinancing for both federal and private student loans.
This means you need a solid credit score and a steady income.
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When you first graduate law school, you may not have a good credit score, and some refinancing organizations will require a year or more of employment history to qualify. With a high income, you may not qualify for income-driven repayment plans, even with a massive loan balance. But you could choose a graduated plan that will give you lower payments on the front end. These payments will gradually increase over time and will result in paying off your loan in the standard ten years. Choosing a graduated plan now can help you free up spare cash for setting up your life as a young lawyer, like getting an apartment or saving for a down payment.
If you have other outstanding debts, like credit cards, a graduated repayment plan can help you pay down those while you work to qualify for refinancing. If you can, however, aim to pay off your loan in less than 10 years. Once you qualify for refinancing at a much lower interest rate, you might be better off investing your extra cash each month rather than paying down student loans.
But you might still wish to choose a shorter loan term so that you can offload your debt more quickly. This frees up cash to save or invest, once your debt is paid off. Of course, we always advocate for a holistic financial plan.
The goal is to pay off your debt in a reasonable amount of time. Read more of our advice on the pay-off-debt vs. Combining all of this information together to form a plan that works best for your particular situation can be tricky. To keep things simple as you figure out your student loan repayment plan, here are the tools and resources we mentioned in this article — plus a few extras:.
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Click here to cancel reply. Name required. Email will not be published required. The school handed me a diploma. But there is good news. State Loan Forgiveness Programs Many states offer additional assistance to lawyers who work in underserved communities or who are employed in certain programs.
Loans are forgiven annually as long as participants remained employed full-time or part-time with qualifying employers. This benefit only covers staff attorneys working for organizations that receive general support from the Florida Bar Foundation. Illinois Attorneys must work with or have accepted an offer to work with a qualifying employer, and must make a commitment to work full-time with qualifying organization for five years.
This program only awards five fellows annually. Indiana Must work with a non-profit serving low-income Indiana residents. Part-time workers will receive assistance at a prorated rate. Iowa Must be licensed attorneys employed full-time in non-profit or government job or as a public defender or prosecutor. Call the Iowa State Bar Association to confirm details.
Louisiana Attorneys must be licensed and employed in a non-profit assisting low-income individuals. Income requirements are higher for applicants with dependents. Maine Attorneys employed full-time or part-time with participating employers can participate for 10 years. Contingent on funding and pro-rated for part-time employees. Accounts for assistance from other sources.
Maryland Any Maryland resident not just a lawyer who works for state or local government or a qualifying non-profit.
What Is the Coalition Application?
Law students at the University of Maryland, Baltimore or University of Baltimore can apply before graduation with documentation of official, eligible job offer. Minnesota Graduate from Minnesota law school or any ABA-accredited school if employed at qualified Minnesota employer. Must be employed full-time and meet the graduated income cap. Variable depending on payments.
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Based on a percentage of the total outstanding loans. Made as a forgivable loan contingent upon continued service. Program requires a three-year commitment to working in public service. Must work at least 35 hours per week. North Carolina Attorneys who work in public service. Variable funding. Mecklenburg County applications no longer being accepted. Ohio Attorneys must work in legal aid programs serving underserved communities.