College Prep for Juniors and Seniors

College planning and career information for 11th & 12th-grade students.

COLLEGE PREP FOR JUNIORS AND SENIORS

GET STARTED

Start your college journey by exploring careers that match your interests and skills. Knowing your career goals will help you choose the schools that best fit your future plans. We’ll help you get started!

DISCOVER YOUR INTERESTS & SKILLS

TURN YOUR INTERESTS INTO CAREER PATHS • Join school clubs, volunteer, or find part-time jobs to explore your career interests. • Enroll in career academies or specialized career courses offered at your school. • Try the Reality Check tool at eqf.org/RltyChk to see if your dream career supports your ideal lifestyle.

Talk to your school counselor about free assessments to uncover your strengths and passions. Next, explore helpful tools like:

• Nebraska Career Connections. • My Next Move. • BigFuture College Exploration.

WHAT DOES “COLLEGE” REALLY MEAN? College isn’t one-size-fits-all—it’s about finding the right path for your goals. Here are the options to consider.

COMMUNITY COLLEGES (2-year) Earn a certificate, diploma, or associate degree, or transfer to a four-year school. Examples include programs in dental hygiene, welding, electrical work, and nursing.

COLLEGES & UNIVERSITIES (4-year) Earn a bachelor’s degree with options to pursue a master’s or doctoral degree. Examples include programs in accounting, education, engineering, business, and computer science.

CAREER AND TRADE SCHOOLS Earn a diploma or certificate while training for specific trades, such as healthcare, cosmetology, or skilled labor.

APPRENTICESHIPS AND MILITARY SERVICE These are two ways to gain hands-on experience after high school. Whatever path you choose, the goal is the same: prepare for a future that excites you.

FIND THE RIGHT FIT HOW TO START YOUR COLLEGE SEARCH

MAKE THE MOST OF YOUR COLLEGE VISIT Asking the right questions can help you decide if a college is the right fit. Here’s what to ask. ADMISSIONS • What are the requirements and deadlines for applying? • Are there specific scholarships available for students like me? ACADEMICS • Does this school offer majors or programs that align with my career goals? • What opportunities are available for studying abroad or engaging in research? CAMPUS LIFE • What housing options are available, and how are roommates assigned? • What’s your favorite campus activity or event? • Are campus jobs readily available? OUTCOMES • What percentage of students graduate and how quickly? • What kinds of internships or job placements do students typically secure?

Finding the right college starts with exploring your options and narrowing down the best fit for you. Use the following resources. Connect with College Reps: Ask admission reps about programs, campus life, and what makes their school unique. Use Online Tools: Visit EducationQuest’s College Profiles or BigFuture’s College Finder to discover schools that align with your goals. Check Out College Fairs: Meet admission reps and get all your questions answered in one place. Dive Into Websites: Browse college websites for application details and scholarship opportunities.

EXPLORE CAMPUSES LIKE A PRO

Campus visits are the best way to see if a school feels like home. Here’s how to make the most of them.

Start Early: Begin visiting schools in the spring of your junior year and revisit your favorites as a senior. Schedule in Advance: Call the admissions office two weeks before your visit to plan your day. See it in Action: Visit when classes are in session to experience the true campus vibe. Meet the Experts: Talk to admissions reps, financial aid counselors, and faculty in your areas of interest.

Use this QR code to find more questions to ask on a college visit. eqf.org/visitquestions

EDUCATIONQUEST.ORG

Taking the right courses in high school can set you up for success in college. Learn what most colleges look for—and how you can meet their expectation. YOUR PATH TO COLLEGE SUCCESS

CORE SUBJECTS COLLEGES WANT TO SEE ENGLISH (4 YEARS) : Sharpen your reading, writing, and communication skills with intensive coursework. MATH (4 YEARS) : Build a strong foundation with algebra, geometry, and algebra II—then take an advanced math course to stand out. SOCIAL SCIENCES (3 YEARS): Explore history, government, geography, and other social sciences to understand the world. NATURAL SCIENCES (3 YEARS): Dive into biology, chemistry, physics, or earth sciences. Make sure one course includes hands-on lab work. WORLD LANGUAGE (2–4 YEARS): Learning the same language for multiple years shows commitment.

PICK YOUR PERFECT MATCH Once you’ve done your homework, it’s time to narrow down your options. Compare your top schools based on the following. Programs: Does the college offer majors and programs that fit your career goals? Size & Location: Do you prefer a large university or a smaller campus? How far from home are you willing to go? Affordability: Does the cost fit within your family’s budget? Compare financial aid offers from each college. Opportunities: Are internships, research, or career prep programs available in your field? Campus Vibes: Do you feel comfortable with the school’s social environment?

WHY THESE COURSES MATTER

Meeting these requirements not only prepares you for admission, it also helps you succeed in college. Plus, taking Advanced Placement (AP) or dual-credit classes can save you time and money in college.

TAKE COLLEGE ENTRANCE EXAMS Some colleges require entrance exams for

APPLY FOR ADMISSION Applying to college is a big step! Apply to at least three or four colleges in the fall of your senior year.

admission and scholarships. The ACT is taken in the spring of your junior year, but you may also want to take the SAT. TIPS FOR SUCCESS: • Retake for a Higher Score: Many colleges consider your best score, so taking the test again in the summer or fall could improve your scholarship and admission chances. • Focus on Your Strengths: The ACT allows you to retake individual sections instead of the entire test. • Use Free Prep Resources: o Visit actstudent.org and collegeboard.org for sample questions, test dates, and registration. o Find Nebraska-based ACT test-prep resources at eqf.org/TestPrep . If you’re attending a community college, you may need to take the Accuplacer or Companion placement tests. Check with your school for requirements.

You will need the following: • Completed application & fee. • Official high school transcripts. • ACT/SAT test scores (if required).

If your school hosts an Apply2College event, you can get help with your applications!

CREATE A STUDENT PORTAL

Once you’re accepted for admission, the college will instruct you to create an online student account/portal for communications about financial aid, admissions, and other college-related matters.

EDUCATIONQUEST.ORG

NEBRASKA COLLEGE COSTS

This chart shows 2025-26 costs to attend a college in Nebraska. Colleges use these amounts (Cost of Education) and your FAFSA results to award financial aid.

SCHOOL AND LOCATION

UNDERGRAD ENROLLMENT

TUITION & FEES

BOOKS & SUPPLIES

HOUSING & FOOD PERSONAL & TRANSPORTATION

ON CAMPUS

WITH PARENTS

4-YEAR PUBLIC Chadron State College - Chadron

2,028 8,542 1,300 10,112 6,848 4,096 3,104

Peru State College - Peru

1,309 8,640 1,200 10,944 1,600 3,232 3,232

University of Nebraska - Kearney

4,213 8,922 818 12,908 6,684 5,820 5,820

University of Nebraska - Lincoln

18,031 11,100 1,128 14,210 6,126 2,300 2,300

University of Nebraska - Omaha

11,859 10,121 1,264 13,056 3,832 4,166 4,166

University of Nebraska Medical Center - Omaha*

971

(Programs and costs vary, contact the college for more information)

Wayne State College - Wayne*

3,902 8,420 1,576 10,446 2,612 3,946 3,945

4-YEAR PRIVATE Bellevue University - Bellevue*

13,595 10,053 1,290 10,299 N/A 5,541 N/A

Bryan College of Health Sciences - Lincoln

558 21,420 1,200 14,000 7,000 8,600 8,600

Clarkson College - Omaha

640 20,880 1,420 6,050 2,000 3,060 4,060

College of Saint Mary - Omaha

522 27,294 800 9,820 3,936 5,514 5,636

Concordia University - Seward*

1,283 42,250 1,100 11,350 8,385 3,045 2,205

Creighton University - Omaha*

4,400 50,960 2,500 14,453 5,000 750 750

Doane University - Crete*

1,310 43,641 1,102 12,786 3,588 3,588 3,974

Hastings College - Hastings

893 39,280 1,030 12,590 8,100 4,310 4,310

Midland University - Fremont

1,343 43,850 1,060 10,750 2,761 4,613 4,613

Nebraska Methodist College - Omaha

908 20,590 1,300 10,884 4,140 6,020 6,020

Nebraska Wesleyan University - Lincoln

1,463 45,502 1,000 12,798 3,000 3,500 3,500

Summit Christian College - Gering

35 8,320 300 4,050 **

Union Adventist University - Lincoln

499 30,296 1,800 9,612 9,000 5,000 4,000

York University - York

425 23,800 450 10,500 10,500 3,600 3,600

* Indicates main campus. For additional locations, see https://eqf.org/campus_locations . ** No information provided by the college. This data is meant to inform and does not intend to create any type of college ranking or favoritism.

SCHOOL AND LOCATION

UNDERGRAD ENROLLMENT

TUITION & FEES

BOOKS & SUPPLIES

HOUSING & FOOD PERSONAL & TRANSPORTATION

ON CAMPUS

WITH PARENTS

COMMUNITY COLLEGE

Central Community College - Columbus

4,168 3,450 660 9,362 5,618 1,422 1,422

Central Community College - Grand Island*

6,284 3,450 660 N/A 5,618 N/A 1,422

Central Community College - Hastings

3,818 3,450 660 9,362 5,618 1,422 1,422

Little Priest Tribal College - Winnebago*

225 5,400 2,408 8,000 8,000 1,828 1,828

Metropolitan Community College - Omaha*

3,420 1,500 N/A 3,337 N/A 2,250

22,686

Mid-Plains Community College - McCook* 1,479 3,720 1,600 8,244 3,000 3,652 3,652 Mid-Plains Community College - North Platte 2,144 3,720 1,600 8,244 3,000 3,652 3,652 Nebraska College of Technical Agriculture - Curtis 201 6,185 932 9,458 2,744 3,748 3,748 Nebraska Indian Community College - Macy* 333 5,100 N/A N/A 6,354 N/A 8,229 Northeast Community College - Norfolk* 5,720 3,930 1,356 10,211 3,142 1,687 2,753 Southeast Community College - Beatrice 1,200 3,000 1,000 11,220 8,456 5,134 3,924 Southeast Community College - Lincoln* 7,800 3,000 1,000 11,220 8,456 5,134 3,924 Southeast Community College - Milford 4,600 3,000 1,000 11,220 8,456 5,134 3,924 Western Nebraska Community College - Scottsbluff* 840 3,840 1,500 9,525 3,723 2,739 3,846

PRIVATE CAREER

Capitol Beauty School - Omaha

140 19,850 2,000 N/A 1,594 443

443

CHI Health School of Radiologic Technology - Omaha

(Programs and costs vary, contact the college for more information)

College of Hair Design - Lincoln

158 19,500 3,072 N/A 7,008 N/A 4,320

Entourage Institute of Beauty and Esthetics- Lincoln

48 9,000 2,500 N/A 3,660 N/A 8,240

Joseph's College : Cosmetology - Lincoln*

70 18,800 2,420 N/A 1,104 N/A 2,418

Mary Lanning Healthcare School of Radiologic Technology - Hastings

22 9,786 800 10,500 10,500 5,500 5,500

Myotherapy Institute

9 16,750 750 N/A 1,500 N/A 6,048

Regional West Medical Center School of Radiologic Technology - Scottsbluff

11 4,760 1,570 N/A **

N/A **

Universal College of Healing Arts - Omaha

30 12,082

600 N/A **

N/A **

Xenon, A Stephanie Moss Academy - Omaha* 163 19,350 3,624 N/A 6,656 N/A 11,037

EDUCATIONQUEST.ORG

HOW TO PAY FOR COLLEGE YOUR GUIDE TO PAYING FOR COLLEGE You’ve found the right college—now let’s figure out how to pay for it! We will walk you through the steps to apply for scholarships and financial aid.

UNLOCK FREE MONEY WITH SCHOLARSHIPS

SET UP YOUR FEDERAL STUDENT AID ACCOUNT Ready to apply for financial aid? Start by creating your Federal Student Aid account at StudentAid.gov . Both you and a parent will need one—it’s your key to accessing and signing the Free Application for Federal Student Aid (FAFSA). Create your account early to avoid delays in completing your FAFSA. Talk to your school counselor or EducationQuest if you need guidance. APPLY FOR FINANCIAL AID Unlock financial aid by completing the FAFSA at StudentAid.gov . This application connects you to federal, state, and college-based financial aid. HERE’S HOW TO STAY ON TRACK: Start Early: Submit your FAFSA in the fall of your senior year—and every year you’re in college. Use Helpful Tools: Visit eqf.org/FAFSAtools for a FAFSA Checklist and other resources to simplify the process. List All Colleges You’re Interested In: Schools you include will use your FAFSA to determine your aid. Submit the form by their priority deadlines for the best offers. Check Your Summary: After filing, look for your FAFSA Submission Summary (FSS) via your Federal Student Aid Account at StudentAid.gov . It will include your Student Aid Index (SAI) and next steps. Colleges use the SAI to determine financial aid eligibility, so review your summary carefully.

Use free tools to discover scholarships tailored to you! Check with your school counselor, the college(s) you are interested in, ScholarshipQuest at eqf.org/SQ , or other reliable scholarship search sites as shown at eqf.org/scholarshiptips . ORGANIZE YOUR ACHIEVEMENTS Build an Activities Resume at eqf.org/ActResume . It’s an easy way to keep track of your activities, honors, and awards—all in one place! MAKE A PLAN List all scholarships you’re eligible for and prioritize them. Start with the toughest applications and always meet the deadlines—no exceptions! SECURE STRONG RECOMMENDATIONS Ask trusted adults who know you well to write your recommendation letters. Share details about the scholarship, give them a clear deadline, and allow plenty of time to prepare.

BE READY FOR FAFSA VERIFICATION

Watch your student portal and email! Colleges might request verification of your FAFSA information to ensure accuracy. Your financial aid won’t be processed until you submit the required documents—so don’t delay!

Stay organized, respond quickly, and keep your financial aid on track.

REVIEW YOUR FINANCIAL AID OFFERS Once the colleges listed on your FAFSA review your application, they’ll send you financial aid offers detailing the types and amounts of aid available. You will only receive offers from colleges where you’ve been accepted. Accept or decline each offer by the stated deadline. Colleges use a simple formula to determine aid: Cost of Education – Student Aid Index = Financial Need Colleges cover as much of your financial need as possible, using a mix of scholarships, grants, work-study, and loans. Review your offers carefully, compare offers, and make informed decisions to fund your education!

Tuition & Fees Books & Supplies Housing & Food + Personal & Transportation FINANCIAL AID FORMULA

COMMUNITY COLLEGE

FOUR-YEAR PUBLIC

FOUR-YEAR PRIVATE

$4,000

$9,300

$32,300

1,500

1,200

9,400

12,000

11,200

2,800

3,900

4,400

= COST OF EDUCATION

$17,700

$26,400

$49,100

-$11,000

– STUDENT AID INDEX *

= FINANCIAL NEED

$6,700

$15,400

$38,100

* Student Aid Index (for one year) is based on a family of four, one in college, $85,000 income.

EDUCATIONQUEST.ORG

EXPLORE YOUR FINANCIAL AID OPTIONS

Understanding the different types of financial aid can help you create a plan to pay for college. Here’s a breakdown of the options.

SCHOLARSHIPS Scholarships are awards you don’t have to pay back and are based on specific criteria. • Merit-Based: For achievements in academics, leadership, athletics, or talents. • Need-Based: For students who show financial need. WATCH OUT FOR SCHOLARSHIP SCAMS Beware of offers that sound too good to be true, such as: • “You’ve been selected!” • “The scholarship is guaranteed.” • “We need your credit card number.” When in doubt, ask your school counselor or EducationQuest. GRANTS Grants are awarded based on your financial need and do not have to be repaid. Examples include: • Pell Grant. • Supplemental Educational Opportunity Grant (SEOG). • Nebraska State Opportunity Grant. • College-based grants.

WORK-STUDY Work-study allows you to work part-time on campus while attending college. • Jobs are often flexible and designed to fit your school schedule. • Use earnings to cover personal expenses. STUDENT LOANS Loans provide the funds you need now but must be repaid after college. See page 10 for details. Colleges determine the type and amount of loans you can borrow. Depending on your financial need, you may receive a combination of subsidized and unsubsidized federal loans. Only borrow what you absolutely need, and use tools like the Loan Simulator at StudentAid.gov to plan repayment.

TYPES OF FEDERAL LOANS

Direct Subsidized Loan A loan in which the government pays interest while the borrower is attending college. You qualify for this loan based on financial need.

Direct Unsubsidized Loan A loan in which the borrower is responsible for all accrued interest, even while attending college.

Direct PLUS Loan A loan that allows parents of a dependent student to borrow up to the cost of education minus other types of financial aid.

FEDERAL LOAN COMPARISON Note: This chart is subject to change based on federal legislation.

Direct Loan for Students Subsidized and Unsubsidized

Direct PLUS Loan for Parents

Loan Type

Combined annual subsidized and unsubsidized loan limits:

Loan Limits

Your parent can borrow up to the “Cost of Education” minus other financial aid you receive.

Dependent students Freshmen - $5,500 Sophomores - $6,500 Juniors - $7,500 Seniors - $7,500 Undergrad loan limit is $31,000.

Independent students* Freshmen - $9,500 Sophomores - $10,500 Juniors - $12,500 Seniors - $12,500 Undergrad loan limit is $57,500.

Credit approval is required.

6.39% – undergrad unsubsidized and subsidized Effective 7/1/25 (subject to change annually)

8.94% effective 7/1/25 (subject to change annually)

Interest Rate

In-school Interest Payments

Subsidized – paid by government Unsubsidized – paid by student

Paid by parent

Fees

1.06% of amount borrowed

4.25% of amount borrowed

Loan payments (principal and interest) begin 60 days after loan is fully disbursed.

Repayment

Loan payments (principal and interest) begin 6 months after you graduate or drop below half-time status.

*You are an independent student if you meet one or more of the following criteria:

• Age 24 by December 31 of the school year. • Married. • In graduate school at the beginning of the school year. • Providing more than half of the support for dependents living with you. • A veteran.

• On active duty in the U.S. Armed Forces for purposes other than training. • In foster care or ward of court after turning 13. • An orphan. • Emancipated minor or in legal guardianship. • U naccompanied homeless youth or at risk of being a homeless youth.

EDUCATIONQUEST.ORG

In Nebraska, the average student loan debt for graduates from four-year colleges is $32,400. Keep your debt manageable by following these tips. SMART STRATEGIES FOR MANAGING STUDENT LOANS

Source: Education Data Initiative

CHOOSE THE RIGHT SCHOOL FOR YOU Transferring schools can lead to extra years of study and more debt. Take your time to find the perfect fit. BORROW ONLY WHAT YOU NEED Use loans for essential costs like tuition, books, and housing. Avoid borrowing for extras like dining out or entertainment. BALANCE YOUR DEBT AND FUTURE SALARY Research starting salaries for your career and compare them to your estimated student loan debt. Try the Debt-to-Salary Calculator at MappingYourFuture.org to ensure your future income can cover loan payments. WORK WHILE YOU STUDY A part-time job can offset personal expenses and reduce how much you need to borrow. TRACK YOUR LOANS REGULARLY Visit StudentAid.gov to monitor your federal student loans and avoid surprises when you graduate. PLAN AHEAD FOR REPAYMENT Rempayment starts once you graduate, so be prepared. Understand Your Options: Research repayment plans like income-driven repayment or extended plans to lower monthly costs. Make Early Payments: Paying even a small amount toward interest while in school can save you money in the long run. Use Free Tools: Try the Student Loan Simulator at StudentAid.gov to see how different repayment options affect your budget.

ESTIMATED LOAN PAYMENTS OVER 10 YEARS

Direct Loan for students

PLUS Loan for parents

6.39% interest

8.94% interest

Amount Borrowed

Monthly Payment Amount

$3,500 $5,500 $8,000 $12,000 $13,500 $19,000 $23,000 $27,000 $31,000

$50 $62 $90

$50 $69

$101 $152 $171 $240 $291 $341 $392

$136 $153 $215 $260 $305 $350

There’s more than one way to pay for college. Check out these options to make your education more affordable. CREATIVE WAYS TO FUND YOUR EDUCATION

NEST 529 COLLEGE SAVINGS PLAN Your parents can invest in this plan to save for your education and enjoy a Nebraska state income tax deduction. Visit nest529.com for details. COLLEGE PAYMENT PLANS Some colleges let you pay tuition in monthly installments. Ask your college about finance charges and deadlines to enroll. THE MILITARY All branches of the military offer education benefits like the G.I. Bill, tuition reimbursement, and student loan repayment. Talk to a recruiter to learn how these programs can fit into your future. GAP ASSISTANCE PROGRAM Financial aid is available for low-income students in non-degree community college programs, such as certifications and technical training. Contact your local community college for eligibility and application info.

PRIVATE LOANS Private loans from banks or lenders can help cover gaps in funding, but they often have higher interest rates than federal loans. Consult your college’s financial aid office before pursuing this option. HOME EQUITY LINE OF CREDIT Your family can borrow money using the equity in your home. Carefully consider the risks and talk to a financial advisor. NEBRASKA AGENCIES • Nebraska VR: Support for students with disabilities. • Nebraska Department of Labor: Training and financial aid for career development. • ResCare Workforce Service and Central Plains Center for Services: Assistance programs for qualifying families. AMERICORPS Exchange community service for a stipend and an educational award. Visit serve.nebraska.gov or americorps.gov .

EDUCATION TAX BENEFITS

LIFETIME LEARNING CREDIT A tax credit of up to $2,000 for tuition and fees for students taking classes to earn a degree, credential, or improve job skills. You must be enrolled in at least one academic period during the tax year.

AMERICAN OPPORTUNITY CREDIT A tax credit for students enrolled at least half time in an undergraduate program. It’s worth up to $2,500 per student annually, and up to $1,000 of that is refundable—even if you don’t owe taxes!

Visit irs.gov for more information on student tax benefits.

EDUCATIONQUEST.ORG

YOUR FINAL CHECKLIST FOR COLLEGE SUCCESS

You’re almost there! Take these final steps to ensure a smooth transition to college life:

M AKE YOUR FINAL COLLEGE SELECTION

Officially accept your offer at your chosen school and notify the others of your decision. Review your financial aid offer carefully and ensure it covers what you need. This is the first step to getting everything else in motion!

SECURE YOUR HOUSING

Pay your campus housing deposit before the deadline to increase your chances of getting your preferred dorm or room.

Orientation is your first step to college life! You will meet other new students, talk with advisors, and register for classes.

APPLY FOR A STUDENT LOAN (IF NECESSARY)

Only borrow what you need for tuition, housing, and essential expenses. Your college will indicate if you qualify for a loan and how to apply for it.

STAY CONNECTED

Your college student portal and email will be your primary sources for updates, deadlines, and next steps. Check them regularly. STAY ON TRACK Sign up for EducationQuest’s Countdown to College emails to get helpful reminders. 6

FREE TOOLS TO SIMPLIFY YOUR COLLEGE JOURNEY

EducationQuest.org offers these powerful, free tools to make your college planning easier.

ACTIVITIES RESUME™ Keep track of your extracurricular activities, honors, and awards all in one place. Use it to complete scholarship and college applications faster! COLLEGE PROFILES™ Explore colleges in Nebraska and across the country with detailed profiles. Compare programs, costs, and campus size to narrow down your options.

REALITY CHECK Discover how much your ideal lifestyle will cost and which careers can support it. Get a reality check on aligning your goals with your financial future. SCHOLARSHIPQUEST™ Search more than 2,000 Nebraska- based scholarships tailored to your qualifications. It’s your go-to resource for finding free money for college.

Use this QR code to find our tools. eqf.org/MyEQ

EDUCATIONQUEST.ORG

YOUR COLLEGE JOURNEY STARTS WITH EDUCATIONQUEST

EducationQuest is here to guide Nebraska students and families every step of the way. Our FREE services make college planning easier, more accessible, and less stressful.

WHAT WE OFFER:

ONE-ON-ONE SUPPORT: Get personalized guidance at our offices in Omaha, Lincoln, Kearney, and Scottsbluff.

FREE COLLEGE PLANNING TOOLS: From scholarship searches to reality checks, find everything you need at EducationQuest.org .

COMMUNITY OUTREACH: We partner with local agencies to bring resources directly to you.

STATEWIDE EVENTS: Join us at college fairs, financial aid programs, and Apply2College events.

PROGRAMS FOR YOUNGER STUDENTS: Inspire future college-goers through Look2College, KnowHow2GO, and Exploring College.

SCOTTSBLUFF 1601 E 27th St. 308.708.7199

OMAHA Rockbrook Village, 11031 Elm St. 402.391.4033

LINCOLN 1300 O St. 402.475.5222

KEARNEY 2706 Second Ave. 308.234.6310

Materials and resources are available in Spanish. Materiales y recursos disponibles en español.

EducationQuest.org

Written approval is required for any use of EducationQuest’s trademarked name and logo. Visit educationquest.org/legal for details.

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