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How to Save When Buying Textbooks

January 19, 2011

How to Save When Buying Textbooks

by Suada Kolovic

The start of every new semester calls for a new set of textbooks – very expensive textbooks. Students can’t really think about the cost of college today without factoring in the skyrocketing cost of textbooks. With the individual book prices well over $100 in many cases, textbook costs can easily add up and, depending on your major, you could easily be spending $500 or more on textbooks a semester. For years students have improvised on ways to dodge buying a new copy and it’s important to know that there are options available, so here are some tips put together by the Huffington Post that can save students some cash.

  • Buy Used: Definitely not a new concept, but still a great way to save almost half the cost of a textbook. Most college bookstores have used options on campus but quantities are limited. Other reliable resources that sell used textbooks are Amazon, half.com and abebooks.com.
  • Book Renting: This option is becoming increasingly popular. It allows students to rent a gently-used textbook for a semester for about half the price of a new edition. But if your campus bookstore doesn't rent books, check out chegg.com, bookrenter.com or collegebookrenter.com.
  • Try the Library: Believe it or not there are FREE options out there, like campus and local libraries. And if you’re one of the lucky ones to actually find a copy of what you’re looking for, check it out fast before one of your classmates beats you to the punch.
  • Buy Older Editions: In some cases, professors will permit students to buy a previous edition of a book that is just as good as the more expensive current edition. Therefore, it’s a great idea to ask your professor what their policy is before purchasing your textbooks.
  • Get International Editions: According to the New York Times, international editions of your textbooks are often identical to U.S. editions and cost 50 to 70 percent less than their American counterparts.
  • Go Digital: It seems like the end of traditional textbooks are near and increasingly more students have the option to purchase e-books directly from book publishers from sites like cousesmart.com and cafescribe.com.
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Grace Period for Student Loans Coming to an End

Simple Tips to Managing Your Loans

November 11, 2010

Grace Period for Student Loans Coming to an End

by Suada Kolovic

With the typical six-month grace period on student loans right around the corner, recent college graduates across the country will start making monthly payments whether they’re ready to or not . If you’re one of those students, or just starting your college career, here are a few suggestions from the Project on Student Debt, an initiative of the Institute for College Access & Success, a nonprofit independent research and policy organization, on how to manage your loans.

  • Know where you stand.

    A great way to get the exact amount you owe is to visit your lender – in some cases, lenders – or you can find details of your student loans, including balances, by visiting the National Student Loan Data System, the U.S. Department of Education’s central database for student aid. If you have non-federal loans, there is a possibility they won’t be listed so contact your institution for that information.
  • When’s the first payment?

    The grace period for student loans is the time after graduation before having to make your first payment. But the length of grace periods can vary; for Federal Stafford loans it’s six months, nine months for Federal Perkins Loans and Federal Plus Loans depend of when they were issued. To find out the grace period attached to private loans contact your lender.
  • Keep in touch with your lender.

    It’s important to remember to keep your contact information updated with your lender. Whether you’re moving or changing your phone number, an updated contact sheet could save you from unnecessary fees.
  • Consider what repayment option works best for you.

    One option is the Income-Based Repayment Program (IBR), which is not available on private loans, that sets a reasonable monthly payment based on a borrower’s income and family size. Under IBR, after 25 years of qualifying payments, your remaining debt, including interest, will be forgiven.
  • Prepare for life and the unexpected.

    Sometimes life doesn’t go according to plan. If you can’t make payments due to unemployment, health issues or other unexpected financial challenges, you have options for managing your federal student loans. There are options to temporarily postpone your payments, such as deferments and forbearance. Contact your lender for more information and the interest attached to those options.
  • Never ignore your financial responsibilities.

    Ignoring your student loans – or any loan for that matter – can result in serious consequences that can last a lifetime. When you default, your total loan balance becomes due, your credit score is ruined and the total amount you owe increases dramatically. If you default on a federal loan, the government can garnish your wages and seize your tax refunds.
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Guess Who’s Coming to Thanksgiving Dinner?

Our Tips on What to Bring While Sticking to a College Budget

November 25, 2010

Guess Who’s Coming to Thanksgiving Dinner?

by Suada Kolovic

Thanksgiving break, for many college students, is the first real trip home since the start of the fall semester. And after months of Ramen and cold pizza, a Thanksgiving feast may just be what the doctor ordered. But rather than just be on the receiving end of the delicious grub, we have a few simple suggestions on what you can bring to the table without breaking the bank:

  • Cranberry sauce. It doesn’t get any easier than this: Grab a can, mush it up and put in a decorative bowl or, if that’s more “cooking” than you initially planned on, visit your local deli for a more homemade version.
  • Bread. A fresh loaf of bread or dinner rolls are a great addition to any Thanksgiving table. To kick it up a notch, consider bringing along a special kind of butter such as almond, apple or pumpkin.
  • Veggies. You can’t go wrong with a veggie platter. While guests are anxiously waiting for dinner, they can munch on these healthy snacks. Most grocery stores offer premade veggie trays in the produce section, fancy platter and all.
  • Dessert. End a meal the right way, with a delectable dessert. Depending on how adventurous you’re feeling, try out a simple recipe or check out your local bakery. Make sure you purchase your dessert early to beat the rush and to keep it festive, order pumpkin pie or soft gingersnaps.
  • Coffee. Sure, the hostess probably has a cabinet stocked with coffee, but bringing along a blend specific to Thanksgiving flavors is a great way to add to the meal as a whole. Steer clear of Dunkin’ Donuts and Starbucks and visit a local café to find that perfect Thanksgiving blend.
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Sorority Members Targeted on Facebook

December 6, 2010

Sorority Members Targeted on Facebook

by Suada Kolovic

Following Facebook’s launch of their new profile page, sorority members from Florida State University, Auburn University, the University of Alabama and Louisiana State University have all confirmed reports of harassment by cyberstalkers posing as potential Facebook friends. According to Florida State assistant police chief, Major Jim Russell, the sorority members on his campus received a friend request from an individual claiming to be affiliated with a particular sorority. Once accepted, the new “friend” requested video interviews with the sorority members asking questions pertaining to the members’ interests – ranging from members seeking initiation to active members looking for leadership roles; however, in an effort to conceal their identity, the friend would claim their camera was broken and insisted on conducting a one-way video chat.

That’s when the Facebook conversation escalated into harassment, Mr. Russell said, with Florida State students reporting that in some instances, the “friend” asked them to reveal undergarments or undress entirely. One student, who tried to cease contact with the friend, was told that there were girls outside her door who could “handle her” if she refused to comply with orders.

Officials at Auburn University, the University of Alabama and Louisiana State University did not release details regarding the nature of the harassment on Facebook. However, all four institutions have informed members of their campuses about the incidents and officials at three of the universities have confirmed ongoing investigations. Mr. Russell suggested that all students adjust their privacy settings and deny friend requests from individuals they don’t know. He also warned that any information released on the Internet can stay there forever. “Students now have to understand that the Internet cloaks the bad guys and that basic prevention concepts are key into preventing future incidents,” he said.

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Slurp Up This Scholarship of the Week!

Coca-Cola Scholars Foundation Deadline is October 31st

September 22, 2014

by Suada Kolovic

An icy glass of Coca-Cola is a pretty tasty treat but for high school seniors, money for college is an even more refreshing reward. Enter the perfect combination of the two: the Coca-Cola Scholars Foundation Four Year Award for Seniors.

The Coca-Cola Scholars Program scholarship is an achievement-based scholarship awarded to 250 high school seniors each year. Fifty of these are four-year $20,000 scholarships ($5,000 per year for four years), while 200 are designated as four-year $10,000 scholarships ($2,500 per year for four years). The scholarships must be used at an accredited U.S. college or university.

In order to be eligible for a Coca-Cola scholarship, a student must be:

  • a CURRENT high school or home-school senior anticipating graduation from a school or program in the United States during the academic year in which application is made a U.S. Citizen, U.S. National, U.S. Permanent Resident, Temporary Resident (legalization program), Refugee, Asylee, Cuban-Haitian Entrant or Humanitarian Parolee
  • planning to pursue a degree at an accredited U.S. post-secondary institution
  • carrying a minimum 3.0 GPA at the end of your junior year of high school

The deadline to apply is October 31st but we always recommend applying as early as possible. For more information about this award, conduct a free scholarship search today. Best of luck!

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SOTW: $10,000 Everyone Deserves a Birthday Scholarship

This SOTW is Accepting Entries Through October 17th

October 6, 2014

by Suada Kolovic

Mail handmade birthday cards to children and teens experiencing homelessness and you'll be entered to win the $10,000 Everyone Deserves a Birthday scholarship from DoSomething.

1 in 3 homeless people in the US is under the age of 18 and unfortunately many of them cannot afford to have a birthday. No one should have to miss their birthday, so they're asking young people across the country to come together to create birthday cards for children experiencing homelessness. Create two birthday cards, send us a photo, mail them in, and you'll automatically enter to win a $10,000 scholarship. Every 2 cards you make and mail after that enters you for an additional chance to win.

No minimum GPA. No essays required. Please do not mail in hard copy applications. Only those submitting their application online will be considered. To apply, please visit DoSomething or complete a free scholarship search to find additional opportunities.

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Scholarship Displacement Explained

December 13, 2013

Scholarship Displacement Explained

by Suada Kolovic

Here at Scholarships.com, we make a point to advocate the importance of funding your college education the right way – for free! – and while financing your higher education solely from scholarships is an amazing feat, there is a factor to consider: scholarship displacement.

If you don’t know what scholarship displacement is, you’re not alone. Believe it or not, winning a scholarship may not be the end-all be-all when it comes to paying for school because they can complicate the financial aid package offered by your intended university. Why? When a student wins a scholarship, the college may reduce the student’s need-based financial aid package to compensate. For example, say a university offers a student a $15,000 grant and an additional $15,000 loan to cover the cost of attending. If the student were then to win a scholarship for $15,000, the college could retract its $15,000 grant. Colleges call this an over-award and the scholarship providers call it displacement.

Although this may seem discouraging, it shouldn’t dissuade you from applying to scholarships altogether. Instead, do your homework, speak with your admissions counselor and know where your intended college stands when it comes to their scholarship policies. If you’re brining a lot of scholarship dollars to the table, you have options. Every college is different and has their own guidelines when it comes to outside scholarships. If one university doesn’t allow you to put those scholarship dollars to other costs – loans, books, room and board, etc. – enroll at one that does. You could also enlist the help of the scholarship sponsor: Some scholarship providers may have a lot of clout with the college, especially if their scholars make up millions of dollars of funding to the college.

If you have any additional questions about scholarship displacement, don’t hesitate to ask us!

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Avoid These Top Five College Admissions Interview Mistakes

January 7, 2014

Avoid These Top Five College Admissions Interview Mistakes

by Suada Kolovic

When discussing the art of nailing your college admissions interview, it’s important to talk strategy. Every Tom, Dick and Harry will stress the importance of dressing professionally and the value of asking questions but did you know that over rehearsing your responses is a big no-no, too? Well, it is! If you’re starting to prepare for your college admissions interviews, check out U.S. News & World Report’s top five mistakes to avoid below:

  • Showing immaturity: College is about learning to live independently and your admissions interview is partially about proving that you are prepared to do just that. They suggest not having your parents drop you off or, worse yet, bringing them along.
  • Acting disrespectful or rude: While this should be obvious, do not check your cellphone during the interview for any reason. Just don’t. They suggest turning if off completely or switching it to silent (not vibrate) before even walking into your interview.
  • Skipping school research: Before your interview, research the school and prepare a few questions to ask at the end. Remember, they shouldn’t be questions that can be easily answered by perusing the school's website for a few minutes. Asking a question that's too simple can be just as bad as giving a blank stare.
  • Being shy: It's difficult for an interviewer to get to know you if you don't share enough information. And if you appear timid, it can leave the impression that you might have difficulty adjusting to new social settings in college and actively participating in class discussions.
  • Bragging too much: While you shouldn't be so humble that you don't say anything positive about yourself when asked about your accomplishments, be careful not to go overboard. Going on for too long about how great you are and how many amazing things you've done can be off-putting. It's okay to let some of what you've done speak for itself.

For those who have been through the interview process before, do you have any other helpful hints? If so, please share them in the comments section!

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Interested in Promoting World Peace? Check out our SOTW!

National Peace Essay Contest Deadline is Feb. 10th

January 13, 2014

Interested in Promoting World Peace? Check out our SOTW!

by Suada Kolovic

Established in 1987, the National Peace Essay Contest is an annual contest open to high school students that provides the opportunity to do valuable research, writing and thinking on a topic of importance to international peace and conflict resolution. This year’s topic is Security Sector Reform, Political Transition and Sustainable Peace. To participate, students are asked to answer the question: Transitioning to peace and democratic governance raises challenging questions about how to handle security forces. What do you do with a police force that has been trained to serve a repressive government and protect the status quo? What do you do with an army that has been fighting in a civil war? What do you do with rebel forces that may know how to fight but know very little about civilian life?

For more information on this scholarship and other scholarship opportunities, conduct a free scholarship search today!

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Colleges that Produced the Most Current Members of Congress

February 20, 2014

by Suada Kolovic

With college on the horizon for high school seniors, students with political aspirations should understand that it's never too early to start making the right connections. And what better place is there to start than by attending the college that boasts 47 elected officials currently on Capitol Hill? (Curious as to which school I’m referring? None other than Harvard University, of course.)

With twice as many members of Congress counted as alumni, Harvard just might be the college for those with governmental ambitions. Georgetown University scores a distant second with 20 current members of Congress, followed by Yale University with 18. Check out the list below to see what other colleges might better your chances at making your political dream a reality:

For the complete list, head over to FindTheBest.

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