Steering Clear of Title Loans (3 of 3) What to do if Youre Already Trapped

Steering Clear of Title Loans (3 of 3) What to do if Youre Already Trapped Steering Clear of Title Loans (3 of 3): What to do if Youre Already Trapped Steering Clear of Title Loans (3 of 3): What to do if Youre Already TrappedAny risky venture can always take a turn for the worse. If you go camping, you might get lost. If you go hang gliding, you might wind up stuck in a tree. If you enter a demolition derby, you might end up totaling your car â€" actually, you’ll definitely end up totaling your car. If you care about your car, there are two things you should never do: enter a demolition derby and take out a title loan.If you’ve already taken out that title loan, though, you may feel like it’s too late. Maybe you’re behind on payments and you’re worried that you won’t ever be able to repay the loan. You might be on the verge of losing your car. But don’t worry, you still have options.Option 1: Pay what you owe as soon as you canThese predatory loans typically have extremely high interest rates that build up the longer you take to pay them off. In some states, borrowers are allowed to rollover their loans, meaning they can extend the due date for an additional fee. But a lot of states have outlawed this practice as it leads to borrowers sinking deeper and deeper into debt. So if you have the funds, pay sooner rather than later.Option 2: Cancel or Modify the Loan“Woah, woah, woah. I can cancel my loan?” Well, maybe. Many secured loans contain grace periods. If you’re within this grace period, you may be able to cancel the loanâ€"the problem is that grace period is usually only 3 days from the date the loan was taken out. So if it’s not too late, you’ll need to do this immediately.Loan Modification is different. If you can show that your car is worth much less than what you owe you’re lender, you may be able to broker a compromise with your lender. The laws that mandate this are different state by state, so you’ll have to do your research before you try this method.1Option 3: Get outside counselCheck your loan’s paperwork and make sure you know all of the terms. Don’t rely on a pr edatory title lender to tell you what your rights are, read the paperwork for yourself. They may not be telling you the truth about every detail, and even keeping your options from you.Also, consider contacting a credit counselor. Not-for-profit credit counselors can be found at www.nfcc.org and elsewhere; they can help you restructure your debt and potentially negotiate with your lender. They’ll also advise you going forward on how to repair or minimize the damage done by predatory lenders. Learn more about picking a credit counselor in the blog Bad Credit Helper: How To Shop for a Credit Counselor.If you need a better loan that won’t risk your ride, consider a personal installment loan from OppLoans. We offer loans from $1,000-$5,000 with interest rates that are 70-125% lower than other personal lenders. You can apply at OppLoans.com and if you’re approved you can receive your money as soon as the next business day. We offer fast, safe loans that can help build your credit.Y ou won’t have to put your car on the line to take out one of our loans, so you can use your ride to enter a demolition derby instead! Or don’t. Actually definitely don’t, just use your car to drive to work and go on road trips and stuff. Stay away from demolition derbies all together. And stay away from title loans too.References:1. Lacoma, Tyler. “What to do when You’re Stuck in a Predatory Title Loan.” Ehow.com. https://www.ehow.com/info_8568423_do-stuck-predatory-title-loan.html Accessed 5.6.16Blog Series: Steering Clear of Title LoansPart 1: Three Must-Know FactsPart 2: Dont Risk Your RidePart 3: What to do if Youre Already Trapped

The Five Marginal Seas of the Arctic Ocean

The Arctic Ocean is the smallest of the worlds five oceans with an area of 5,427,000 square miles (14,056,000 sq km). It has an average depth of 3,953 feet (1,205 m) and its deepest point is the Fram Basin at -15,305 feet (-4,665 m). The Arctic Ocean is between Europe, Asia, and North America. In addition, most of its waters of the Arctic Ocean are north of the Arctic Circle. The Geographic North Pole is at the center of the Arctic Ocean. While the South Pole is on a landmass the North Pole is not but the area that it inhabits is usually made up of ice. Throughout most of the year, much of the Arctic Ocean is covered by a drifting polar icepack that is an average of ten feet (three meters) thick. This icepack normally melts during the summer months, which is being extended due to climate change. Ocean or Sea Due to its size, many oceanographers do not consider the Arctic Ocean to be an ocean at all. Instead, some think it is a Mediterranean sea, which is a sea that is mostly enclosed by land. Others believe it to be an estuary, a partially enclosed coastal body of water, of the Atlantic Ocean. These theories are not widely  held. The International Hydrographic Organization does consider the Arctic to be one of the worlds seven oceans. While they are located in Monaco, the IHO is an intergovernmental organization representing hydrography, the science of measuring the ocean. Does the Arctic Ocean have seas? Yes, even though its the smallest ocean the Arctic does have its own seas. The Arctic Ocean is similar to the worlds other oceans because it shares borders with both continents and marginal seas which are also known as Mediterranean seas. The Arctic Ocean shares borders with five marginal seas. The following is a list of those seas arranged by area. The Arctic Seas Barents Sea, Area: 542,473 square miles (1,405,000 sq km)Kara Sea, Area: 339,770 square miles (880,000 sq km)Laptev Sea, Area: 276,000 square miles (714,837 sq km)Chukchi Sea, Area: 224,711 square miles (582,000 sq km)Beaufort Sea, Area: 183,784 square miles (476,000 sq km)Wandel Sea, Area: 22,007 square miles (57,000 sq km)Lincon Sea, Area: Unknown Exploring The Arctic Ocean Recent developments in technology are allowing scientists to study the depths of the Arctic Ocean in brand new ways. This study is important to help scientists study the catastrophic effects of climate change on the area. Mapping the Arctic Ocean  floor could even lead to new discoveries like trenches or sandbars. They may also discover new species of lifeforms found only at the top of the world. It is truly an exciting time to be an oceanographer or a hydrographer. Scientists  are able to explore this treacherous frozen part of the world in-depth for the first time in human history. How exciting!

Effects of Online Dating on Society - 1875 Words

Technology has become a huge part of everyday life in today’s society. Everywhere you look someone is using their smart phone, computer, or tablet. Technology has become a primary means of communication for most people. Why would meeting new people and dating be any different? A concept of meeting people without the face to face interaction is something that is more than appealing to a large group of people. While this concept is not new and has been around for years, it has had a dramatic increase over the past few years. According to a study done by Patti M. Valkenburg and Jochen Peter the number of dating sites has increased by 17% in the past two years and about 37% of single Americans that use the internet have gone to a dating site†¦show more content†¦According to an article on the Truth about Lying in Online Dating Profiles by Jeffrey Hancock, Catalina Toma, and Nicole Ellison 86% of online dating participants felt others misrepresented their physical appearan ce (Fiore Donath, 2005). Online dating has become such a huge part of society that research on these subjects has become very common. Studies on all aspects of online have been conducted. These studies include ones that simply study the people who are using online dating sites, why online dating seems like the best fit for people and even studies that show the negatives of online dating. A study called â€Å"Who Visits Online Dating Sites? Exploring some Characteristics of Online Daters† by Patti M. Valkenburg and Jochen Peter explains what type of users that visit online dating sites and why (Valkenburg Peter, 2007). This study talks about several different previous studies that have been conducted that show negative correlations between internet usage and social involvement but also shows that recent studies are showing the opposite results. In this study there are two hypotheses that are used to explain why people are likely to use online dating sites to find partners. The First hypothesis this study explains, is the social compensation hypothesis, which shows that online dating is beneficial for dating anxiety. The second is the rich-get-richer hypothesis that explains that people who alreadyShow MoreRelatedOnline Dating And Its Effect On Society874 Words   |  4 PagesOnline dating in the past verses now has changed drastically in a sense that itâ€⠄¢s users has broaden. According to Arron Smith, a publisher in Pew Research Center, in 1995 there were only 14% of adults dating online compared to today, which is nearly nine in ten people being more accepting to these dating services. Its popularity has always ranged from ages 25 to 34 years of age. However, adults stemming from 35 years and up have been taking an interest in these services as well. Many people who areRead MoreSocial Medi Effects On Relationships1178 Words   |  5 PagesSocial Media: Effects on Relationships Social media has affected culture in many ways, mostly relationships. People who are affected by the change in their culture do to society, don’t realize the change that has occurred. Over the years social media has drastically increased and plays a huge role within relationships causing insecurity. Dating sites like EHarmony, Christian Mingle, and others have grown in popularity. Not only have the dating sites become more predominant, there are even ways toRead MoreDivorce And Its Effect On Society1019 Words   |  5 Pageshas been on a rise in America since the past thirty years. Almost every person might be having a divorced member in its family. Divorce has been reported to be the major cause of suicide as well. Many factors lead to divorce, some of which are online dating, financial problems and physical abuse. In the ancient Roman Republic, a simple statement for divorce was sufficient for the dissolution of a marriage. Some local Church councils even had the equivalent of no-fault divorce, in which a coupleRead MoreSocial Media And Its Effect On Society1648 Words   |  7 Pagessocial media has can be observed all over the world in many different settings. Sadly, this power can be both positive and negative. Though, it may be hard sometimes to see the negative aspects since our society has become so enthralled with social media. First, I will examine the trends in online dating and the surplus of people joining in on this new advance. Next, I will turn my focus to the justice system, where jurors are leaning on social media to aid in their decision making process in court. LastlyRead MoreOnline Dating Websites : A Potential For Partners And Dangers1700 Words   |  7 PagesOnline Dating Websites: A Potential for Partners and Dangers Almost seven billion people reside on Earth, yet many people strive to find â€Å"the one† out of everyone. â€Å"The one† meaning that apparent person to build memories with, grow with, share forever with – yes, that one. However, finding that one special person is as easy as finding a needle in the haystack, or possibly even harder. On top of that, only a small fraction of the world’s population are the ones people actually meet in person, soRead MoreSocial Networks : A Network Of Individuals888 Words   |  4 Pagesthan ever because as soon as it was released everyone who could read it and knew what was happening. Even now newspapers can be seen everywhere, though now a great many people read them online instead of having the actual paper form delivered. With the onset of the Internet not only did the newspaper move online so people could find out what was happening in other cities, but some people even made their own news sites, some talking about th emselves and others about things they love. This is stillRead MorePositive And Negative Effects Of The Internet On Society998 Words   |  4 PagesThere can be both positive and negative effects of the internet on society. With society revolving around the internet, it is clear that the digital age can have both beneficial and harmful impacts on the 21st Century world, including communications, addictions, dating, schooling, work, savings, and hobbies and pastimes. One of the most affected and obvious impacts of the internet is on communications. The internet does make it easier to reach out to other humans both in and outside of our cultures;Read MoreTechnology Is Too Reliant On Technology1539 Words   |  7 Pagesadvancement for mankind, however becoming too reliant on technology can severely damage some of the basic aspects of life that are slowly being diminished by technology. Today’s society is becoming too reliant on technology because it is causing increasing health issues, strained relationships with loved ones, a problematic online dating life, and serious money problems. Becoming too reliant on technology is an awful fate for the health of many people of all ages. Years ago, children played outside moreRead MoreOnline Dating - Breanna Social Media1598 Words   |  7 PagesOnline Dating - Breanna Social Media has become the new thing to be used for online dating. In this day and time, it is not uncommon to meet someone over the internet through various sites that have been created for the public to do just that, COMMUNICATE! Aside from meeting people on your normal sites like Facebook, Instagram, or Twitter, there are now special sites that have been around for some time now that are geared solely towards online dating. These sites have even wentRead MoreSocial Dating is a Modern Phenomenon in our Society937 Words   |  4 Pagesor through face to face interactions. One of the areas in which they are influenced most is dating. Dating is a modern phenomenon which has only recently been brought up in the last century. Not only is dating the norm in the United States, but also in many other modern societies around the world. Courting has become a thing of the past and society has become more and more aware of the idea of dating. Dating is not only recent, but looking throughout history we see that in most cases the only way

Real Life Situation Free Essays

My Real Life Situation Back home, I was working as a teaching assistant ,and still is, with limited authorities. At the end of the semester, we usually have the finals week. Our department starts to fall apart as usual, the schedule was a mess; in one day we have 4 exams and on the other day none. We will write a custom essay sample on Real Life Situation or any similar topic only for you Order Now It’s a typical end of the semester when all this madness happens , and we struggle every semester to find a solution. This usually happens because of our head department lack of attention or lack of management skills due to his soft personality. I talked to him and asked him if I can step up and fix it once and for all by bringing a standard test schedule that can last for many semesters where no proctors/students will face any troubles in terms of knowing their schedule and the classes . after a long discussion with the head department, he finally decided to give me his permission. I knew that this was my chance to show him my sense of leadership. So I started to define my strategy and how am I going to solve this problem. I put a list for all courses and the name of professors whom are teaching it, then ,I put a second list with all the classes rooms In the building, furthermore, I put a third list with all the proctors names that we have in staff . Finaly , I organized the schedule besd upon the priority and student /proctors necessity. I gathered the staff and show them the new changes in a theme that show how simple the procedure will be in the future if we followed the new enhanced schedule. ven thought we had some disagreements in terms of proctors duties and dates, I managed to solve them and at the end every one know his responsibility and was pleased with the solution . My university is stil using my planned schedule and never made any changes in the past three years which means that my plans worked flawlessly . In this dilemma I used a persuasive technique to persuade the committee about how importnant is to have a standerd agenda for future years which can help students to prepare ahead to t heir tests and for proctors to know their duties upfront . I explained also to the committee that I added a pack up plan for proctos in case one of them had to take a day off or missed a test day for personal excuse by easy switch from one proctor to another which defintly worked to my benefit and their agreement. In conclusion, I learned that Good listening is essential for good management so listening to others opinions and suggestions will help you to reach a full agreement thus gaining the respect from others because of paying attention to their needs. How to cite Real Life Situation, Essay examples

Marigolds free essay sample

Were almost there Gabriel, were going to be okay. Honestly Jonas didnt even know where or what was going to happen. Jonas remembered he could lie but he didnt want to lie to Gabriel, but he realized that he would be lying to himself too. Jonas looked around, he realized it was a hill. Him and Gabriel struggled getting to the top of the hill. Jonas felt a chill crawl up his spine, remembering the nice chill feeling. He knew he was almost there. He didnt know exactly where, but knew he was almost there. They both struggled getting up to the top, but as soon as he got higher and higher he felt the temperature dropped ten degrees each time. Jonas couldnt take the cold anymore and he assumed Gabe did as well. Jonas sprinted as fast as he could up the hill, trying not to let Gabe fall out of his cradled hands. We will write a custom essay sample on Marigolds or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Jonas felt Gabes body cool up as he got higher. His eyes were shut closed and as soon as the tip of his foot touched the top of the hill he went back; back from where everything started The community. The sitting down. The hands on his back. The memories. The color. The pain. The love. The Giver. Although Jonass eyes were closed he could see everything. He saw the sled beside him, the sun shining, the snow white covered hill, he could even see little Gabriel smiling. He took a step forward. CRACK Did you hear that? We made it. We did it. Jonas said, telling Gabe and The Giver. He felt accomplished but not a hundred percent. There was something missing. He wondered about the Giver, Did he hear the first step of our achievement? Jonas wondered, wondered about the community, all of them suffering, but yet them iscovering color, memories. Love. Jonas finally opened his eyes. He felt the cool swift breeze and saw the bright snow and the shining sun, Gabriel smiling, and icicles hanging from the trees that stood across the view. He felt happiness, he thought, Wow, Im actually here. He was so distracted with all the thoughts cluttered in his head he forgot about Gabriel. He looked down. Gabriel was pale, paler than the snow white hill and his hands, they were colder than the icicles hanging from the trees. Jonas had panicked so hoped for the best and went down the hill, trying to hink of warmness and giving more of it to Gabriel but he had no more of the memory. Jonas hugged Gabe as tight as he could and tried giving him body warmth. He got to the bottom and saw houses, they were different, different from the Sameness at the community. Jonas saw people coming out of the houses, they were all different. They had long, short, straight, curly, different colored hair, all different shapes and sizes. It was so different from what Jonas was used to, he had never seen so much differences. Even though he wanted to explore he knew he had to go get help from someone. Jonas felt the touch of ice. He looked down and Gabe was pale white, his smile had been wiped off. The world had stayed still for a moment, and Jonass heart had dropped. Gabe was dead? Was he? Jonas fell to the ground crying out for help. Someone help!! Please! Help. Tears were rolling down Jonass face and everybody had crowded around him helping him get up and pick up Gabe. Jonas was frightened, feeling the pain he thought he had got rid of. He picked up Gabe he was lighter, paler, weaker. Jonas kissed him on his forehead whispered in his ear, l love you Gabe a teardrop fell and landed onto Gabes cheek.

The eNotes Blog Remembering Mary Oliver

Remembering Mary Oliver The beloved American poet Mary Oliver (1935–2019) died today, leaving behind a rich and vast body of literary work. Oliver was arguably the most popular poet of her generation, best known for her poems of the natural world.   Her style is quickly recognizable; at once sublime and grounded, her language conveys sweeping spiritual states through tactile and terrestrial detail. In her signature blend of breathless reverence and plain-spokenness, Oliver carries forward the voices of the American literary past: Emerson and Thoreau, Dickinson and Whitman. Oliver was a gifted prose writer as well, producing volumes of prose poems, such as Blue Pastures, and books of insightful essays, such as Upstream. Her slim, lucid volume on poetics, A Poetry Handbook, should be required reading for any poet or lover of poetry. In remembrance of Mary Oliver, we’ve gathered a handful of her poems that offer a glimpse into her indelible contribution to American literature: Music Lessons Sometimes, in the middle of the lesson, we exchanged places. She would gaze a moment at her hands spread over the keys; then the small house with its knickknacks, its shut windows, its photographs of her sons and the serious husband, vanished as new shapes formed. Sound became music, and music a white scarp for the listener to climb alone. I leaped rock over rock to the top and found myself waiting, transformed, and still she played, her eyes luminous and willful, her pinned hair falling down - forgetting me, the house, the neat green yard, she fled in that lick of flame all tedious bonds: supper, the duties of flesh and home, the knife at the throat, the death in the metronome. *** Oliver turns a memory of piano lessons into a meditation on the transformative power of music as well as the tug of time. In a synesthetic twist, music becomes earth, â€Å"a white / scarp for the listener to climb // alone.† The enjambment before â€Å"alone† is both clever and affecting, as is the poem’s unforgettable final phrase, â€Å"the death in the metronome.† Wild Geese You do not have to be good. You do not have to walk on your knees for a hundred miles through the desert repenting. You only have to let the soft animal of your body love what it loves. Tell me about despair, yours, and I will tell you mine. Meanwhile the world goes on. Meanwhile the sun and the clear pebbles of the rain are moving across the landscapes, over the prairies and the deep trees, the mountains and the rivers. Meanwhile the wild geese, high in the clean blue air, are heading home again. Whoever you are, no matter how lonely, the world offers itself to your imagination, calls to you like the wild geese, harsh and exciting -                                                                            over  and over announcing your place in the family of things. *** Like many of Oliver’s best poems, â€Å"Wild Geese†- from Oliver’s volume Dream Work- handles spiritual themes with clarity and directness. Oliver’s speaker confronts the question of belonging, of finding a place for oneself in the vastness of creation. Oliver, ever the poet, offers â€Å"imagination† itself as the key. Morning Glories Blue and dark blue                        Ã‚  rose and deepest rose                                                white and pink they are everywhere in the diligent                           cornfield rising and swaying                                                 in their reliable finery in the little                         fling of their bodies their                                                gear and tackle all caught up in the cornstalks.                        The reaper’s story is the story                                                of endless work of work careful and heavy but the                        reaper cannot                                              separate them out there they are in the story of his life                        bright random useless                                              year after year taken with the serious tons                        weeds without value humorous                                              beautiful weeds. *** â€Å"Morning Glories,† from Oliver’s collection White Pine, beautifully mimics its subject matter. The morning glories, with their tendency to sprawl and entangle themselves, are reflected in Oliver’s lines, which flow ever onward, unhindered by punctuation or line breaks. *** For long-standing lovers of Mary Oliver’s work, today invites us to remember her poems and prose pieces- and the epiphanies and lessons to be found there. For those new to Oliver, hopefully these poems have piqued your curiosity and opened the door to her writings.

What Are the Score Choice Policies at Ivy Leagues

What Are the Score Choice Policies at Ivy Leagues SAT / ACT Prep Online Guides and Tips Many students assume colleges will see every score they've earned on the SAT and ACT when they apply. However, while some top-tier schools do require your full testing histories, many don't. Some even allow score choice for the SAT, which allows you to send only the scores you want them to see, or they allow you to pick your best ACT test date. If you're aiming for a top-tier school like an Ivy League, Stanford, or MIT, read this guide to learn how they evaluate standardized tests to help you best prepare. What's in This Guide We're dividing this list of prestigious schools into two categories: colleges that require you to send all scores, and colleges that do not. We are including quotations from their admissions websites about not just their policies on multiple scores, but how they evaluate multiple test scores in general. We will also link to each school's admissions website so you can read more in-depth about their policies. We will also highlight colleges that specifically allow for College Board's Score Choice (or the ACT's similar option). Plus, we will include application tips for the two categories to help you create a smart test-taking strategy. Colleges in Guide Brown University Columbia University Cornell University Dartmouth College Duke University Massachusetts Institute of Technology (MIT) Princeton University Stanford University University of California System University of Chicago University of Pennsylvania Vanderbilt University Yale University Colleges That Require You to Send All Scores As companies that make standardized tests have made it easier to pick and choose which scores you want to send to colleges, fewer schools have required you to send all your test scores. Currently, only one of the Ivy Leagues (Yale) does. In these cases, the colleges require you to send your full testing history (sometimes called "testing record"), either for the ACT or SAT. In the past, some colleges have even required your testing history from both tests. Even though colleges often say they will "focus" on the highest score, colleges that require all scores will take each score they receive into consideration. Yale University "Applicants who have taken the SAT or ACT exam multiple times should report all scores from whichever test they choose to report. Applicants who choose to report scores from both the SAT and ACT should report all scores received on both tests....When assessing SAT results, admissions officers will focus on the highest individual section scores from all test dates. For example, if an applicant took the SAT twice, the highest Evidence-Based Reading and Writing and Math scores will be considered individually. When assessing ACT results, admissions officers focus on the highest ACT Composite from all test dates while also considering individual ACT subscores." If you take both the SAT or ACT, you can choose which test to send. But whichever test you pick, you have to send all of your scores. They will also superscore the results of whichever exam you decide to submit; however, remember that they will see all your scores, even if "officially" they only use the highest score from each section. Want to learn more about the SAT but tired of reading blog articles? Then you'll love our free, SAT prep livestreams. Designed and led by PrepScholar SAT experts, these live video events are a great resource for students and parents looking to learn more about the SAT and SAT prep. Click on the button below to register for one of our livestreams today! Strategy for "All Scores" Schools While we never recommend taking the ACT or SAT until you are confident you will get your target score- either for the first time or on a retake- you need to be especially careful about retakes if any of the above schools are top choices for you. In particular, do not take the ACT or SAT once "for practice" before studying for a higher score on a retake. These colleges will see that lower "practice score" and take it into consideration. Instead, make full-length, strictly-timed practice tests an important part of your study regimen, so you have a more confident idea of what your score will turn out to be before you take the ACT/SAT for the first time. Also, be careful about retaking the SAT/ACT with the goal of improving one of the sections. For example, if you got a low Critical Reading score the first time around on the SAT, don't exclusively study for CR before your retake. If your other scores (Math and Writing) go down by a lot, that could make for a lower composite score the second time, which doesn't look great. You should also be careful of retaking the SAT or ACT more than three times, since again, they will see every score date and it won't look good if your scores don't improve markedly. Some final bits of advice: if you're taking the SAT, take the PSAT during your sophomore year so you can get real, scored SAT practice before you take the SAT. And if you're taking the ACT, keep in mind you have the option of deleting records from a particular test date. You can't send scores that no longer exist! Colleges That Don't Require All Scores Colleges that don't require all scores to be sent often have admission policies in place in which they only consider the highest scores, either from a single test date or by superscoring. This is why they don't require all scores- because they won't consider the lowest ones anyway. Many of these colleges also accept College Board's Score Choice feature, which allows you to pick and choose which scores to send. (Read more about Score Choice here.) ACT doesn't have Score Choice, but it does allow you to pick which test date to send. You can put your best scores forward at "score choice" schools. By the way, "superscoring" means combining the best section results from different test dates to create your highest possible composite score. Many of the schools on this list superscore for the SAT, however, for the ACT, it's more common to just look at the highest composite score. Brown University "We accept Score Choice. We will super score within both current and redesigned SAT, but will not super score using results from both versions of the test. For the ACT, we consider the highest scores submitted for each section; however, we do not calculate a super scored ACT Composite score." If you take the SAT more than once, Brown will automatically consider your highest section scores (provided all scores are from either the old or the redesigned SAT), but you may also use Score Choice to decide which scores to submit. For the ACT, they will focus on the highest score for each section, but won't calculate a "superscored" composite. You can choose your best ACT test date(s) to send with that in mind. Columbia University "Applicants may select the Score Choice option for the SAT or choose to submit specific ACT composite scores....When evaluating applicants, we consider only the highest testing results reported from individual sections of the SAT or the highest composite score on the ACT." Columbia's policy is very similar to Brown's. You can use Score Choice for the SAT or pick your best ACT composite to submit. Cornell University "Note that Cornell participates in the College Board Score Choice program. For the SAT, Cornell considers the highest section scores across test dates. For the ACT, Cornell considers the highest composite score across all ACT test dates. As a reminder, ACT does not create new records by combining scores from different test dates." Cornell doesn't require you to send all scores, and it'll combine section scores of different SAT exam dates, but only composite scores from different ACT test dates, not section scores. Dartmouth College "Dartmouth does permit the use of Score Choice....We consider the highest component scores from the SAT, even if these results are from different dates. For the ACT, the committee considers the highest composite score and does not combine sub-scores from multiple test dates. We don't recommend excessive testing." Like fellow Ivies Brown and Columbia, they will look at the highest SAT sections from different dates but only the highest ACT composite. Duke University "Students who have taken multiple tests may choose which scores to send to Duke. For students who elect to send multiple test scores Duke will use whichever score is highest." For Duke, you have total control over what scores to send! And if you do send multiple scores, they will use whichever score is best. This is actually a recent change to their policy- they used to require all scores. Harvard College "You are free to use the College Board's Score Choice option or the similar option offered by ACT when applying to Harvard." Harvard doesn't say they automatically focus on the highest scores if they get more than one SAT score or ACT score. However, they do say "we do not admit by the numbers" and "we take into account your educational background when reviewing scores." This is part of holistic application review, trying to take into account the whole applicant. Still, Harvard is one of the most competitive schools in the country, so we suggest putting your best scores forward either with Score Choice or by sending your best ACT test date. MIT "Students are free to use the College Board's Score Choice option and the ACT's option to submit the scores of your choice." MIT does say that they superscore test results, so Score Choice can be a bit redundant. They even superscores across the old and new SAT, which is unusual. They superscore the ACT as well, saying that they "consider the highest score achieved in each section" for both the SAT and ACT. This means if you have taken the ACT more than once, and your best section scores are spread out between test dates, it might be more advantageous to send all your ACT dates so MIT will superscore them. Princeton University "We allow applicants to use the score choice feature of the SAT and accept only the highest composite score of the ACT, but we encourage the submission of all test scores." Like the other Ivies in this section, Princeton is fine with College Board's Score Choice and its ACT equivalent. Stanford University "We recommend that you simply self-report your highest scores in the testing section of the application. You can also have official scores sent to Stanford, but this is not required for us to review your application. If you are offered admission and choose to enroll, official scores that match your self-reported scores will be required. In order for test scores to be considered official, they must be sent directly from the College Board or the ACT." Stanford allows for Score Choice, and it also superscores for both the SAT and the ACT. University of California System "In the College Board's Score Choice module, we encourage you to send all official scores to UC. We will use the highest scores from a single administration. There is no disadvantage to submitting all scores....For the ACT with Writing test, we will focus on the highest combined score from the same test administration...For the SAT with Essay, we will focus on the highest total score from a single test date." They stop short of explicitly requiring all scores, but they make it clear they'd prefer to see all your scores. This means if you're applying to any schools in the UC system (these include Berkeley, UCLA, and UC Davis), you're encouraged to send all your scores, since lower scores won't hurt your admission chances. University of Chicago "If you have chosen to submit SAT or ACT test scores, we recommend you send us all of your test scores. Only your best testing results- your highest sub-scores and the best result of the two testing options, if you've taken both the SAT and ACT- will be considered in the review of your application. Lower test scores submitted will not be used in the review of your application." UChicago doesn't forbid Score Choice, but they do recommend you send all of your scores, since they only look at the highest ones. University of Pennsylvania "Although we permit Score Choice, we do encourage students to submit their entire testing history on both ACT and SAT exams." Much like Dartmouth and Princeton, UPenn allows you to send whichever scores you like, but prefers you send them all. It's also worth noting that they superscore for both the SAT and ACT, so you will often benefit from sending multiple scores. Vanderbilt University "Only your highest [SAT] section scores will be considered as part of the final admissions decision...We will treat ACT scores in the way as what we're describing here with the SAT Reasoning (i.e., considering only the highest composite ACT score in our final admissions decisions). The only difference between the two is that we do not "super-score" the ACT, whereas we do with the SAT Reasoning." So for the SAT, even though Vanderbilt encourages you to send all scores, they don't require it. For the ACT, they're more flexible. Since they will only look at the highest composite score, you can just submit your highest ACT composite. Strategy for Score Choice Schools Unlike the "all scores" schools, you are free to send scores from one test date for the ACT or use score choice to combine scores from multiple dates for the SAT. This means there is less pressure to get a super high composite each time you take the SAT- so if you need to, you could go into a retake aiming for a better math score and not worry too much about Critical Reading and Writing. You also don't need to stress out about only testing two or three times because you won't have to send each test date (though still, if you're studying carefully, you shouldn't have to retake the SAT or ACT more than two or three times). Basically, for the SAT, your goal should be to create the single highest composite you can, and not worry as much about some of your lower scores. However, for the ACT, it's important to note that while some schools (MIT and UChicago) will superscore the ACT, most schools are just looking at the highest overall composite. So you don't have to worry about retaking the ACT, since you only have to send your highest composite to these schools. However, it does mean each time you take the ACT, you need to study all sections to maximize your final composite (the ACT's composite is averaged, so a lower section could drag down your composite). What's Next? So how high should your SAT/ACT scores be for the Ivy League, anyway? See our guide to which scores will get you in- and which ones are too low. We also have a guide to SAT Subject Test scores for the Ivy League. Don't consider these an afterthought! Need help preparing for your retakes? Check out the best SAT and ACT prep websites you should be using. Disappointed with your scores? Want to improve your SAT score by 160 points? We've written a guide about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now: