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Eastern Pennsylvania College Road Trip: University of Pennsylvania

Upon founding what would become the University of Pennsylvania, Benjamin Franklin stressed the importance of students learning all that is “most useful and most ornamental.” Today, cultivating “Renaissance students” remains a major part of Penn’s DNA, says Chicago native and recent communication grad Ernest Owens.

More than 9,000 undergraduates attend the Ivy League university, situated on about 300 acres in the heart of Philadelphia, just west of downtown and the Schuylkill River.

One of the oldest and most selective institutions in the country, Penn accepted around 12 percent of its 31,200-plus applicants for fall 2013; 94 percent of those admitted came from the top 10 percent of their high school classes.

“People are competitive,” notes Yadavan Mahendraraj, a spring grad in management and marketing from Allendale, New Jersey, but “it’s not cutthroat.”

Undergrads can select from 91 different majors — or create their own — at the schools of arts and sciences, engineering, nursing and the storied Wharton business school. The 11,000 graduate students can enroll at eight additional schools.

[See the hot majors that help grads get jobs.]

Students often marvel at “how much individual attention you can get at such a large school,” says sophomore nursing major Maci McCravy, from Tulsa, Oklahoma. A low 6-to-1 student-faculty ratio helps, as do opportunities like Wharton’s Lunch & Learn program, through which the university pays for undergrads to take faculty members out for meals.

The small-school-within-a-large-university feel owes much to the system of College Houses. All freshmen reside in these 11 living-learning communities, along with a number of faculty members (and sometimes their families) and have access to in-house advising and tutoring, house-based social and educational events and research opportunities, as well as more than 40 themed programs focused on music and social change, for instance, or international studies and business.

Over half of undergrads live on campus, which spans about eight blocks and includes several museums and galleries, La Casa Latina and five other cultural resource centers and no shortage of green spaces.

Students can keep busy with more than 400 activities, and about a third join fraternities and sororities. The Netter Center for Community Partnerships coordinates volunteer and civic engagement programs, as well as a range of service-learning courses that, for example, examine urban education in underserved West Philadelphia schools.

[Check out the top National Universities in photos.]

Penn also boasts 11 undergraduate research journals and more than 100 research centers through which student scholars can earn grants for their own projects or join faculty efforts. And at least 4 out of 5 undergrads participate in internships.

“I can barely wrap my head around how there’s so much to do,” notes senior Jacob Meiner, of New Rochelle, New York, who is studying Near Eastern languages and civilizations and marketing and operations management.

Some undergrads say the university can feel decentralized and that school spirit can be lacking at Quaker athletic events. But Penn pride shows at gatherings like Spring Fling, billed as one of the biggest college festivals on the East Coast, and Hey Day, when juniors don straw hats and red shirts and march around campus with canes to celebrate their soon-to-be seniority.

More from the Eastern Pennsylvania College Road Trip:

Bryn Mawr College

Drexel University

Haverford College

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Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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