Welcome to the 2015 - 2016 School Year!

Please follow link  Terra Environmental Research Institute College Advising Site for information on scholarships and due dates for its completion, Scheduled College visits and more:

There are many helpful events, meetings, and college visits taking place throughout the year. Please be sure to check their page regularly to keep up with all the latest college advising information to prepare you for life after TERRA

 If you have any questions, Please contact , Our New Cap Advisor Mrs. Julie M. Vivian @

TERRA Environmental Research Institute

11005 SW 84 ST

Miami FL 33175

Click HERE to see all of our upcoming college events, including college visits, SAT/ACT prep meetings, and scholarship deadlines.

Click HERE to learn how you can prepare for college at each grade level.  It's never too soon to begin planning or working on scholarship opportunities. You won't earn it if you don't go for it!

How Much Will a College Expect You to Pay? By: Lynn O'Shaunessy

You can't possibly answer that question unless you know what your Estimated Family Contribution  or EFC is.

An EFC is the amount of money, at a minimum, that a college will expect you to pay for one year of your child's college education. Often times you will have to pay more than your stated EFC unless you're attending an elite school with excellent financial aid packages.

Your EFC will be expressed as a dollar amount. A low-income family could have an EFC that's as low as $0. There is no ceiling as to how high the EFC can be for wealthy families. The highest I've ever seen was about $108,000 for a family where the father was a CEO. Obviously, $108,000 is way above the price of one year's costs at any college.

How To Obtain Your EFC:

Getting advance notice is better than waiting until your child receives his or her financial aid packages in the spring of her senior year in high school. I think families should obtain their EFC as early as a child's freshman year in high school. Here are two calculators that you can use to obtain your EFC.

College Board's EFC Calculator

FinAid's EFC Calculator

Here is some of the information that you'll need to use the calculators:

•             Number of children in college.

•             Marital status of parents.

•             Adjusted gross income.

•             Non-retirement investments.

•             Income taxes paid for most recent calendar year.