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by Liz Coffin-Karlin, Scholarships.com Virtual Intern

Students around the country are finishing up finals, breathing the sweet scent of fresh summer air...and figuring out ways to pay for food and “Avengers” tickets this summer. Whether it’s a high-powered investment banking internship or making coffee at your favorite hipster hangout, finding a summer job is incredibly competitive but here are a few simple (though easy to overlook) tips that make you a stronger candidate.

First, do your research before making contact with a potential employer. Know what the company does, what your potential job entails and the names of most major staff members (including everyone you would potentially be working with/under). Now don’t be creepy – just because you recognize someone doesn’t mean you should shout out their high school GPA and prom date’s name (you’d be horrified what people can find on Google) – but use the info to tailor in-person and written responses to be relevant to what they’re interested in adding to the company. I recommend Glassdoor.com for good insider information on popular companies.

Second, take what you learned about Google and search yourself! I guarantee you that many potential employers are doing just that, as well as looking at your Facebook, Twitter and Google+ accounts. (You can probably leave your unupdated-since-2005 MySpace alone – even employers don’t care about that anymore.) I know I sound like a parent but I cannot stress enough that you should improve your privacy settings on everything. Worst case scenario, your employer doesn’t use search engines and you’ve frustrated that dude from freshman year algebra who still looks at your pictures. Best case scenario, potential employers won’t see that “awesome” happy hour/prank/streaking incident.

Finally, remember the benefits of networking. I know I’ve always felt embarrassed about using a friend or acquaintance to find a position – it feels like my achievement is less real – but a job is what you put into it, not how you get it. Talk to as many people as possible about your goals, set up informational interviews and even shadow someone for a day. Take friends or family members up on every opportunity – it feels like nepotism but they might be seeing something in you that would be an asset to their company. Don’t turn anything down just because you didn’t apply on Monster.

What’s that? You followed these tips and got the job? Great! Just don’t forget to take a minute to enjoy that feeling of success and achievement before you actually start working.

Liz Coffin-Karlin grew up in Sarasota, Florida, where the sun is always shining and it’s unbearably hot outside. She went to college at Northwestern University and after studying Spanish and history, she decided to study abroad in Buenos Aires. In college, she worked on the student newspaper (The Daily Northwestern), met people from all over the world at the Global Engagement Summit and, by her senior year, earned the title of 120-hour dancer at NU’s annual Dance Marathon. She just moved to San Francisco and is currently working on a political campaign on ocean pollution but will be teaching middle school or high school Spanish this upcoming fall and working on her teaching certificate.

Cost plays a huge role in many students’ college choices. Depending on their financial situation, some students dismiss the schools with high tuition in favor of lower-cost in-state schools because they think it will save them money. In actuality, they could be doing themselves an economic disservice in the long run.

Using data from U.S. News and World Report’s most recent student debt survey of 25 top-ranking public and private schools, Reuters revealed that, on average, 53 percent of students surveyed received financial aid and at least half of students at most of the institutions graduated debt-free...but it depends on what school they attended: Princeton graduates, for example, owed only $5,000 at commencement while University of Michigan graduates owed more than $27,000 despite Michigan’s in-state costs being less than half of Princeton’s. How is this possible? Numerous schools including Princeton, Caltech, Davidson College and the University of Washington have eliminated student loans from their financial aid packages and others like Harvard, Stanford and UC Berkeley have capped contributions for students from low- and middle-income families. (Check out the entire article here, including this handy infographic.)

While it is difficult for many students to attend college without taking out some kind of loan – especially those attending state-run institutions which don’t have the fiscal means to eliminate debt – it is possible to avoid debt if you choose the right school. Thoughts?

by Angela Andaloro, Scholarships.com Virtual Intern

As college students, we make tons of important decisions every day. Our futures are constantly at the forefront of our minds and for some students, continuing their schooling after completing their undergraduate degree is a very serious option. Luckily, many schools recognize this and offer five-year programs that allow students to begin graduate work as an undergrad and have their credits apply to both degrees. So how can you tell if such a program is right for a student like you? Here are some things to consider:

• Are you positive you want to pursue a graduate degree? If so, then these programs can be great for you! You can finish both degrees in less time than it would take to pursue them separately. Financially speaking, this is also a good move because you'll be spending less money on school.
• Are you looking for a challenge? By senior year of college, some students start to question how much they’ve learned and how challenging their course loads are. If you feel like you need more of a challenge, beginning graduate classes as a senior could provide you with just that. You’ll also have the opportunity to warm up to a graduate course load.
• How much of a difference does it make? In some instances, a master’s degree does not make much of a difference in the type of job you get or how much you will ultimately make after college. It IS very important and almost necessary in some fields – yours just may not be one of them. It’s best to do research on your intended field and see what the pros and cons of getting a master’s degree are for what you want to do when you have your diploma in hand.

I hope these tips help you out but the truth is no one can decide for you whether or not a five-year combined undergrad and grad program is the right fit – it takes your willingness to research, consult with people in the right departments and get all the facts straight before making your final decision.

Angela Andaloro is a junior at Pace University’s New York City campus, where she is double majoring in communication studies and English. Like most things in New York City, her life and college experience is far from typical – she commutes to school from her home in Flushing and took nearly a semester’s worth of classes online – but she still likes to hang out with friends, go to parties and feed her social networking addiction like your “average” college student.

by Radha Jhatakia, Scholarships.com Virtual Intern

The majority of college students today own smartphones and use these devices more for apps, browsing the web, checking email and texting than actually making phone calls. Here are a few that will benefit most students...and most are available for both Android devices and iPhones.

My top most recommended apps are Amazon Student and Kindle for iPhone or Android. Amazon Student has deals for students on books, electronics and much more and if you are a member of Amazon Student, you only have to pay half price ($39) for Prime membership, which gives you access to movies, TV shows and music online plus free two-day shipping anytime. The Kindle app allows you to access e-textbooks on your phone for those few minutes before class when you remember you had a reading assignment to do.

Students also have schedules filled with schoolwork, extracurricular activities, jobs and more. How do they keep it all straight? Some apps to make things convenient include The Weather Channel, Wells Fargo, Discover and Evernote. A weather app allows you to check the weather outside so you can dress accordingly, a bank or credit card app will make it convenient for you to pay your bills on the go (some even have ways for you to make check deposits without setting a foot in the bank) and note apps allow you make to-do lists and take notes which you can sync with your calendar.

Other convenient apps include translators, dictionaries and games for stress relieving. As long as you don’t mind some ads, these apps are available for free (but you can purchase ad-free versions for about $.99). What are your favorite apps?

Radha Jhatakia is a communications major at San Jose State University. She's a transfer student who had some ups and downs in school and many obstacles to face; these challenges – plus support from family, friends and cat – have only made Radha stronger and have given her the experience to help others with the same issues. In her spare time, she enjoys writing, reading, cooking, sewing and designing. A social butterfly, Radha hopes to work in public relations and marketing upon graduation.

The academic year is winding down but so is the amount of time left to apply for Scholarships.com’s Short & Tweet Scholarship: Applicants now have just one week to enter to win a $1,000 scholarship or Kindle for college!

Whether this is the first you’re hearing about this award or you’ve applied multiple times since the contest relaunched on April 2nd, here’s a quick refresher on what you need to do to create a scholarship-worthy entry:

• Follow @Scholarshipscom on Twitter.
• Mention @Scholarshipscom in a tweet answering the question "What was the most important thing you learned this year *AND* why?" Once you do this, you are entered to win a $1,000 scholarship or one of two Kindles.
• You may enter as many times as you want until May 14th but please limit your tweets to three per day (and no tweeting in class!). Each tweet will be a stand-alone entry and tweets that are submitted by non-followers, exceed 140 characters, do not include @Scholarshipscom, do not answer the entire question or are submitted after the May 14th deadline will not be considered. On May 15th, the Scholarships.com Team will begin reviewing Short & Tweet entries to determine which tweets are most deserving of the awards.

Think you have what it takes to take the Short & Tweet prize this time around? Get thee to Twitter and wield those 140 characters wisely! For more information about this scholarship and others, conduct a free scholarship search today. Good luck, everyone!

Note: The Short & Tweet Scholarship is offered by Scholarships.com and is in no way sponsored, endorsed or administered by, or associated with Twitter.

by Kayla Herrera, Scholarships.com Virtual Intern

As a soon-to-be college graduate, you are probably stoked to get the heck out of school but also a little scared to enter the sneering, looming workforce that will launch you into the rest of your life. This is it - the final draw before your life is dictated by 40-hour work weeks and mortgage payments - and there are some things I highly recommend you do before leaving your campus life behind:

• 1. Attend a rock concert somewhere. Sure, it’s not entirely school-related but you should still do it. The energy of the audience coupled with the chill atmosphere and good music is extremely uplifting – take a walk on the wild side!
• 2. Study abroad. I know this can get costly but a study abroad experience is remarkable and one you won’t forget. Ever. Plus, employers love someone who’s willing to go the extra mile...or 3,000.
• 3. Get on stage. Whether it’s to recite poetry, sing a song, participate in a debate or give a speech, having a stage experience can benefit you in so many ways. Once you stand back and see it didn’t kill you, you feel pretty good about yourself.
• 4. Get experience in your field. Whether it’s an internship or co-op, you are going to want to be able to say you’ve seen the inside of a newsroom, a trading floor or something related to your career. You've got to test out the waters before you know you want to dive all the way in!
• 5. Have your own first pet. This may sound weird but owning a pet at this age can really help us grow. Owning your first pet – it doesn’t have to be just a dog or a cat – is a remarkable feeling because YOU raise it and it is YOUR responsibility. And when it turns out pretty okay, it’s nice to know you’ve got what it takes to take care of something other than yourself.

What are some other experiences you think you should have before you graduate from college?

In addition to being a Scholarships.com virtual intern, Michigan Tech student Kayla Herrera is a media coordinator for the Michigan Tech Youth Programs and is a writer for The Daily News in Iron Mountain, Mich., Examiner.com and WHOA Magazine. She love a tantalizing, action-packed video game and can't get enough of horror movies (Stephen King's books always have her in their grip, though she prefers the old over the new). Writing is what she has always done and that is what she is here to do.

Even if you don’t know Julius, Clancy or Worry Bear by name, you’ve likely seen these characters in one of Paul Frank’s whimsical designs at one point or another. If you think you can create something just as funky, enter the second annual Paul Frank Art Attack Scholarship for a chance to earn $2,500 to put toward your amazing artistic future!

Art Attack participation requires an upload of one piece of original art including some element of the Paul Frank characters/brand, an explanation of how and why the artist incorporated the Paul Frank brand, a description of what kind of art education program the applicant will be supported by the prize money and brief background info about the applicant. The Paul Frank online community will vote on submissions to narrow to the top 10 in each age group (14 – 17 and 18+) on PaulFrank.com and a panel of expert judges will select the first and second place winners in each category. One first prize of $2,500, two second prizes of $1,000, and three third prizes of $500 to be allocated to art supplies or classes will be awarded; in addition to the monetary scholarship, the winning adult artist will also receive a full page ad in Juxtapoz magazine and funding for travel to visit the Paul Frank studios and attend the Academy of Awesome launch party with a feature on PaulFrank.com.

The Art Attack deadline is May 15th so applicants have just about one month left to submit their creations. For more information about this and other scholarship opportunities, conduct a free scholarship search today!

by Radha Jhatakia, Scholarships.com Virtual Intern

Most students begin to make decisions about what sort of financial investments they need to make after they graduate while they are still attending college. It’s not an easy decision – rather, it’s one that takes time and some level of research – but this short guide will help you get started.

You may have "made" a lot of money through economics projects where you "invested" in stocks but playing the stock market in real life is much different. With great risk, you can have a great payoff or a great loss and unlike your econ projects, investing requires real funding to make an initial investment, as a single share can be quite expensive depending on the stock. Research the stocks you are interested in and watch the market daily before investing any money. It sounds silly but the best starting point would be reading a book like "Stock Investing for Dummies."

If you’re wary about the stock market, a safer investment would be in a bank or credit union. Many banks do not have annual fees for college accounts but in the current economy, some financial institutions do not offer high interest rates for savings accounts, money markets or certificates of deposits (CDs). Credit unions often have higher interest rates and may charge annual fees but it depends on the institutions' individual policies. Here are the differences between these accounts:

• Savings accounts: Savings accounts don’t require large balances and offer students the freedom of withdrawing money whenever needed. The downfall is low interest rates.
• Money markets: Money markets require higher balances since banks use the accounts to make investments but the interest rate is higher since you make money off their investments. The caveat here is not having the money readily available and being charged fees for falling below the minimum balance.
• CDs: CDs are great for long term use, as they require investments for a certain length of time. This account has a high interest rate and is insured by the FDIC but the drawback is breaking the CD to withdraw money means paying a hefty fee.

Are you currently investing your money? If so, how?

Radha Jhatakia is a communications major at San Jose State University. She's a transfer student who had some ups and downs in school and many obstacles to face; these challenges – plus support from family, friends and cat – have only made Radha stronger and have given her the experience to help others with the same issues. In her spare time, she enjoys writing, reading, cooking, sewing and designing. A social butterfly, Radha hopes to work in public relations and marketing upon graduation.

by Darci Miller, Scholarships.com Virtual Intern

My backpack is packed, my tickets are printed, my passport is at the ready and my camera is fully charged. My train to Paris leaves in exactly three hours and one minute and from there, a few friends and I begin a three-week backpacking tour across Europe. Our stops include a city I’ve wanted to visit since the fourth grade (Copenhagen), the world center of the Olympic movement (Lausanne), one of my favorite cities in the world (Venice) and two cities in which I was considering studying abroad (Munich and Berlin). Am I excited? You could say so.

Studying abroad is the perfect opportunity to achieve any travel dreams you may have. Money is, of course, an obstacle but there are ways to travel on the cheap, especially in the European Union. For an extended trip like mine, the Eurail pass is a great option, letting you choose your number of travel days and countries. There are also Megabus deals between countries starting at next to nothing, plus discount airlines.

Airlines can charge an arm and a leg for checked baggage so it’s smart to fit everything you need into a carry-on or backpack. Invest in a sturdy one and remember to pack light! Bring clothes that can easily be mixed and matched (and ladies, a great space-saving option that gives you tons of outfit choices while traveling is bringing shorts and tights instead of pants if it’s warm enough!).

It’s also important to remember to book travel as early as you can to save on transportation and hostel costs. When it comes to hostels, try to stay in places that your friends have stayed in before you; personal recommendations are always a plus. Don’t be too worried about sharing rooms with strangers, either: Most places have lockers where you can keep your stuff safe and most people staying in hostels are in the exact same boat as you.

As for an itinerary, my friends and I don’t have one. We know when we have to be at the train station and we have a list of things to do in each city but that’s it. We’ve discovered that part of the fun is wandering around and seeing what we stumble across – don’t be afraid to leave some things to chance!

Darci Miller is a New Yorker studying journalism and sport administration at the University of Miami. When she’s not writing for the school newspaper, you can find her at the gym, either working or working out. She loves all ‘80s pop culture (the cheesier, the better!) and glues herself to her TV when the Olympics are on. She dreams big and believes the sky’s the limit. This semester, Darci is studying abroad in London and will share her international experiences here.

When making your final college choice, would you choose the school touting generous tuition discounts or the institution offering the standard financial aid package? The choice may seem obvious but according to a new study, things aren’t always what they seem.

A survey of 400 private institutions conducted by the National Association of College and University Business Officers revealed tuition discounting could be losing its effectiveness as a way of luring students to colleges. Data show that though the rate of institutional discounts in the form of scholarships, grants and fellowships continues to rise – the average is predicted to hit 42.8 percent this year – 45 percent of the schools surveyed saw overall enrollment remain flat or drop and 53.2 percent saw a decline or no change in the number of freshmen they enrolled.

What do you think of the tuition discounting trend? Is it playing a role in your college decision or are other factors (location, reputation, programs of study, etc.) more important to you?