Steve Fernandez-Brennan, a seasoned college counselor and former admissions officer, shares essential tips for the Cal State application process, highlighting its key differences from UC applications. Cesar Contreras, a former UCLA admissions officer, dives into the University of California's Personal Insight Questions, stressing their importance in showcasing resilience. Meanwhile, Jennifer Wilcox, a higher-education finance expert, explains the nuances of federal versus private education loans, including recent policy changes affecting borrowing strategies. This discussion is packed with invaluable insights for prospective students!