Maximize the ROI of Your GPA

GPA is the most important factor in college admissions. Since more universities are adopting test optional policies, GPA is gaining even greater weight. 

As such, students should invest time in their GPAs. Investing time to improve a GPA will pay off. Literally. 

But how much will it pay off? 

To answer this question, let's determine the ROI, or return on investment, of the GPA. 

ROI is a calculation to measure how much an investment yields in return. It's a simple comparison of the initial cost of the investment to the final value of the investment. For example, purchase $100 worth of stock today, and if the value of that stock turns into $125 in the future, your ROI is 25% in ([final value - initial value]/initial value x 100). 

Calculating the ROI on GPAs is the same math, but since GPAs are not measured in dollars, we have to make some assumptions: 

• Assumption #1: Investment = Time. The initial "cost" of an investment in a GPA is not money, but time. Assume that our initial investment, then, is all about time. 
• Assumption #2: 1 Hour = $20. This second assumption takes a bit of a leap, but hear me out. If time is the investment, a student could choose to spend time studying, working, gaming, watching Netflix, swiping through social media or other. Of all of these, working is the one that yields money. And if the student chooses to work, like babysitting, mowing lawns or getting a part time job, we assume here that 1 hour would pay about $20. Likely less, but maybe more. So let's go with $20. 
• Assumption #3: Higher GPA = More Merit Aid. This next assumption is actually a fact: the higher a student's GPA, the more scholarship opportunities and merit-based aid are available. However, each college or scholarship program looks at these numbers differently. So the assumption we will make here is that each 0.1 increase in GPA will offer $1,000 more in merit-based aid. In other words, a student applying to a competitive school may get no aid with an unweighted GPA of 3.5, but a similar student with an unweighted 4.0 GPA could earn $5000 a year in aid.  
• Assumption #4: More Study Time = Higher GPA. Again, this assumption is generally true; if you study more, your grades will go up. But to make this work for our calculations, we are going to assume that one more hour of study time per week will boost the GPA by 0.1 points. This may not be a perfect correlation, but useful nonetheless for our calculation. 

With these assumptions in place, let's see what the ROI on GPA is for a typical student. Imagine Darnell, a freshman in high school with a 3.0 GPA. As Darnell thinks about sophomore year, he decides to dedicate five more hours a week of study time to his homework (1 hour per class). With 30 weeks in the school year, that's 150 extra hours in total. So Darnell's initial investment of 150 hours equates to $3,000 (150 x $20). 

If Darnell does this, his GPA would jump from a 3.0 to a 4.0. And if he maintains this same GPA his sophomore, junior and senior years, he could finish high school with a 3.75 GPA. This would mean he could qualify for $7,500/year in merit-based aid or scholarships. 

Thus, his ROI would be 150%! 

OK, yes, there are more assumptions to Darnell's situation but hopefully the point is clear: generally, any investment in GPA will be a positive ROI. Or more concretely: time invested in GPA improvement will literally pay off. 

Perhaps Darnell needs a tutor to ensure that huge GPA jump. No fear here because the investment would still pay off. Even if he decides to spend $100 a week in tutoring, his ROI would still be 25%. Not even Warren Buffett, the "Oracle of Omaha", can sustain a 25% ROI! 

So maximize the ROI of your GPA but putting in the time. And invest in productive time. Spend an extra hour organizing content, create online flashcards, reread material, look up alternative sources or perspectives, research ideas more, review past tests or find other ways to learn more about what you are studying. 

And if you need a tutor to help with this, CROSSWALK is here to help. 

Study time is worth the investment. Maximize the ROI of your GPA with the investment of time. 

March Madness by Cost of Attendance

The annual NCAA basketball tourney will soon tip off. And so begins the scramble to fill out brackets and predict a winner. 

But instead of picking winners based on rankings or records, what if you picked winners based on the Cost of Attendance (COA)? 

Thanks to the folks at Columbia Threadneedle Investments--with whom I have no individual connection nor experience doing business with--you can do just that. 

Check out the March Madness bracket based on COA they put together here. 

Fun and games aside, understanding COA is a key step in college planning. Yes, COA is rising and has risen dramatically over the years. But so has merit aid, particularly aid tied to academic achievement like GPA and test scores. 

So as you diligently fill out your bracket for March Madness, be sure to apply that same diligence to your GPA and test scores. 

And if you need help with your GPA or test scores, contact CROSSWALK. We offer tutoring in all academic subjects as well as small group and private test prep for the SAT and ACT. 

If ACT and SAT Scores Were GPAs

One of the first activities I like to do with my ACT and SAT students is to begin with the end in mind. In other words, before we do any test prep, we research the SAT and ACT scores for the schools the student is considering. Armed with the knowledge of what score a student needs, the real preparation begins.

Understanding what score you need on the ACT and SAT is the most important step in your preparation. Once you know the score you need, you can figure out how many questions you need to answer correctly and how many you can get wrong, skip or guess (note: even if you skip questions on the ACT, be sure to get an answer in the bubbles as there is no punishment for wrong answers).

This activity really demystifies things for students. Most students quickly learn that they don't need a perfect score on the test to get into the school of their choice. In fact, the score many students need is actually quite achievable.

Take Trevor for example. Trevor is interested in attending the University of Puget Sound. In our first session, we got onto the school's website and found out that most students that get accepted by the university score an 1800 or so on the SAT and a 27 on the ACT.

What boggled Trevor's mind is what the score would mean in terms of a GPA. An 1800 on the SAT expressed as a percentage would mean a 75% (1800/2400). Scoring a 27 on the ACT, when expressed as a percentage, means Trevor would also need a 75% (27/36) to get into the school of his choice.

In other words, Trevor needs to get a C on both tests. That's right, a C! Trevor is a normally a B+/A- student. When we went through the simple exercise of expressing his goal test score in terms of a percentage or in terms of a GPA, a big smile crossed his face.

"You don't need an A on this test," I told him. "You just need a C!"

This little nugget made the test preparation experience more enjoyable for Trevor. It was our first chance to get his attitude in the right mindset to let his aptitude shine.


No stress for Trevor. Just a clear direction and a focused approach to accomplish an achievable goal.

Try it for yourself: if the ACT or SAT were scored like your GPA, what would you need to get? A C average? B average? Something totally doable? I would like to think so.

Learn more SAT test preparation tips by reading 2400 SCORES: 24 Life Lessons to Demystify the SAT and Boost Your Score. Contact CROSSWALK here for personal test preparation on the Monterey Peninsula or for Skype sessions on your time and schedule.