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Credit Cards Are Not Magic and Other Money Management Tips

Jun 23, 2011

by Radha Jhatakia

Managing money is difficult for many people, not just college students! I’ve been taught to save every penny and paying for school myself has been the biggest reason but friends of mine who haven’t struggled as much don’t have the same outlook. For them, credit cards are magic and their parents are instant money taps.

My best friend is the reason I’m writing this article. She struggles with money but I don’t understand why. She’s been working since she was 16, her parents pay for school and bought her a car yet she doesn’t have a single dime saved! Ever hear the phrase “A penny saved is a penny earned?” I’m guessing she hasn’t but it’s true. Gaining a dollar doesn’t mean you have to spend it because in the future, you may not have that dollar. Here are a few more tips:

Having bad credit now may not matter to you but it will affect you in the future when you apply for home loans and car insurance. Be wise, spend wise and look up the rule of 72.

Radha Jhatakia is a communications major who will be transferring to San Jose State University this fall. She’s 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.

And remember, there’s no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It’s that easy!

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Travel This Summer...for Cheap!

Jun 23, 2011

by Shari Williams

It's summer break, the perfect time for college students to travel. Sounds good, right? The thing is that although many of us like to travel, we can get discouraged by the costly expenses that come along with it. I actually felt the same way until I learned of several resources during my personal travels.

My favorite way of taking a leisurely (or even last minute) inexpensive trip is through AirTran Airways. They have a program called AirTranU: As long as you are between the ages of 18 and 22, you can ride to any destination that AirTran offers for between $49 and $99. You are allowed to bring a carry-on at no charge but no other baggage is permitted. This is perfect for long weekend trips but if you know that you will be staying at your destination for a while, I suggest packing your items in advance and sending them via UPS or another shipping company so you won’t have to worry about lugging your baggage around or – worse – losing it before it reaches baggage claim.

If you are not too keen on flying, Greyhound also has discounts specifically for college students with its Student Advantage Discount Card. By using the discount card, students can save 20 percent on online fares. If you buy your tickets early with the card, it could result in many inexpensive trips, whether you’re going back to college after visiting family or simply wanting to take a road trip of sorts with some friends.

As a student, there are so many ways to travel without emptying your pockets (Amtrak and Student Universe also have great deals) so make sure to take advantage of them while you can. Happy travels!

Shari Williams is a junior at Towson University with a double major in deaf studies and broadcast journalism and a minor in entertainment, media and film. With experience in public relations, a love for music and a passion for acting, she longs to be a jack of all trades. A Baltimore native, Shari is an avid traveler and opportunity seeker. She hopes to become the next face seen on the morning news or the voice heard over the radio.

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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How to Get Your Dream Job

Jun 22, 2011

by Lisa Lowdermilk

What is your dream job? Do you want to win the war against cancer as an oncologist? Or would you rather spend your time in the classroom teaching students who will eventually become the backbone of our society?

Regardless of what your answer is, it's crucial that you ask yourself a couple of questions. Where do you want to work? Would you rather work in an office setting or out in the field? Do you want to work with people or would you rather work alone? The answers to these questions not only will help make your dream job more real to you, they can also help you if you are undecided about what field you'd like to major in. The key here is to be as specific as possible: You can't make your dreams a reality if you don't know what your dreams are yet!

Let's say you've completed a few semesters and have decided you want to become a radiologist. You can tell by the coursework that you will enjoy the field but you don't really know what the actual job will be like. Visit your local hospital and talk with some of the people who work in the radiology department. Ask if you can shadow them to see what they do on a daily basis. Not only will you gain valuable learning experience, you will also feel like your college experience is actually preparing you for a job.

Lisa Lowdermilk is a published poet, avid video gamer and artist. Her poems have appeared in Celebrate Young Poets: West (Fall 2006) edition and Widener University's The Blue Route. She enjoys watching thrillers, trying different restaurants and attempting to breakdance. Lisa is now majoring in professional writing at the University of Colorado Denver.

And remember, there’s no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It’s that easy!

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Don’t Avoid Drama in College – Embrace It!

Why You Should Consider Participating in College Theatre

Jun 22, 2011

by Thomas Lee

I first began theatre in high school playing the role of Mr. Gibbs in the play “Arsenic and Old Lace” and then I was an extra in “Seven Brides for Seven Brothers.” In college, I did not necessarily plan to perform theatre since I was a political science major but I auditioned my freshman year because I couldn’t resist the allure.

I ended up playing some country hick in a skit play called “Talking With...And Moving On” and appeared on stage again as an extra in the spring musical “The Robber Bridegroom.” In my junior year, I was an extra in a musical about evangelist John Wesley called “Ride! Ride!” This production was particularly time consuming and contributed nothing to my major; after the show ended, so did my college theatre career.

Even though I was a political science major, I had always found the stage interesting and mainly auditioned for roles for the fun of it. I did gain some experience in stage construction, time management skills and, of course, performance. I also received one semester hour of theatre class credit for my first freshman role.

College theatre can be an enthralling experience even if you are not a theatre, performing arts or music major. The key is to know if the time necessary for stage practice will cut too much into class or study time. I learned how to better manage my studying and homework, as I had to schedule it around rehearsal.

If you are considering becoming involved in all that college drama, here are a few guidelines:

  1. Always be early to practice.
  2. Always pay attention to instructions.
  3. Always take part in stage construction and destruction.
  4. If you plan to quit, quit early.
  5. Make sure practice doesn’t ruin your grades.

If you can abide by these simple rules, then maybe you’re ready for the art of the stage!

Thomas Lee recently graduated from Methodist University in Fayetteville, North Carolina with a BA in political science and journalism. His father is an ordained Church of God minister and his mother is a private school teacher; he also has two younger sisters. Thomas’ interests include politics, law, debate, global issues and writing fiction and he believes in a personal relationship to Jesus Christ and a strong commitment to biblical morality and ethics. He currently resides in Washington, North Carolina and will be attending law school in the near future.

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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Campus Creepers

Who Are the "Interesting" Characters at Your School?

Jun 22, 2011

by Katie Askew

One of the joys of going to a public college in a very urban setting is the abundance of culture, business and interesting people — and the University of Minnesota definitely does not lack in the interesting people category. We have our very own well-known and well-loved campus creeper!

His name is Mike Gould, a man that stands upon a 10-foot ladder in the middle of our giant main courtyard area (“The Mall”) every school day in the fall, spring and summer semesters. Mike has rarely missed a day of shouting to the thousands of passersby as he reads passages from the Bible. Through rain, shine, sleet or 24 inches of Minnesota snow, he is there. His psychological status has yet to be determined but his main objective is to bring the word of God to thousands of Minnesota students. He sometimes aids his sermons with hymn-like songs played on an acoustic guitar. Every student that attends the U of M knows about Mike; there is even a Facebook group focusing on Mike Gould that helps to bond the students with stories, photos and events. It’s even rumored that Mike is attempting to run for mayor of Minneapolis. Good luck, Mike!

The University of Minnesota isn’t the only campus out there with a special addition to their student body. My friends at the University of Nebraska – Lincoln tell me they have “Crazy Blue Protesting Lady” running around their campus. She, too, has her own Facebook group where students document their sightings of and encounters with the woman always completely dressed in blue.

The harmless campus creepers tend to bring the collective student body together — it’s great! Does your campus have a creeper? If so, we’d love to hear about it!

Katie Askew is a freshman at the University of Minnesota pursuing degrees in journalism and English. At school, Katie can be found reading, drumming or working in the Office of Admissions. Outside of school, she enjoys traveling, performing or teaching music and spending time outdoors with friends and family. Katie loves all things zebra and has a necessary addiction to coffee. Her iPod is perpetually playing Death Cab for Cutie or classical music because she truly believes that when words fail, music speaks.

And remember, there’s no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It’s that easy!

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Financial Woes for Students in Tennessee

Jun 21, 2011

by Jessica Seals

Students with hopes of obtaining college degrees in the state of Tennessee now have more issues to worry about other than just getting accustomed to the college lifestyle: Negotiations have been taking place that will place an even bigger burden on the financial status of students.

Currently, students who have been living in Tennessee for at least a year can apply for a lottery scholarship formerly known as the HOPE Scholarship. This scholarship provides $4,000 to students who attend four-year public or private schools and $2,000 for students at two-year schools. A student could receive this award during each fall and spring semester for up to five years; however, legislators are currently working to put a 120-hour cap on the scholarship before the 2011-2012 school year begins. A 120-hour cap means that some students who have chosen to have more than one major will more than likely lose the scholarship before they graduate and have to find alternative ways to pay for school. This cap will reportedly only apply to students who began attending college in 2009 or after but depending on where students go to school, they could also be hit with tuition increases. Schools such as the University of Tennessee in Knoxville are hoping to implement a 12-percent tuition increase for the upcoming academic year.

This increase, along with a cap on lottery scholarships, has caused more students to become stressed out because it will be even tougher to pay for school. These limitations on financial aid could lead to an increase in students who drop out of college, a decrease in the number of students attending college and an increase in the amount of loans that students will have to take out. Will these changes impact your college experience? If so, how do you plan to address them?

Jessica Seals is currently a senior at the University of Memphis majoring in political science and minoring in English. At the University of Memphis, she is the secretary of the Pre-Law Society, the philanthropy chair of the Phi Kappa Phi Student Council and a member of Professional Assertive United Sisters of Excellence (PAUSE), Golden Key Honor Society, Alpha Lambda Delta Honor Society, Sigma Alpha Lambda Honor Society, and Black Scholars Unlimited. She also volunteers to tutor her fellow classmates and hopes to attend law school in the near future.

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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Don't Stress: There ARE Enough Hours in the Day!

Time Management Tips for College Students

Jun 21, 2011

by Kara Coleman

Classes. Homework. Chores. Family. Friends. Jobs. Clubs. Sports. Eating. Sleeping. Lots of things are demanding your attention right now so how can you give everyone and everything the attention they need without getting completely overwhelmed? Try a few simple time management tips:

Write everything down. This may sound pretty obvious but buy a student planner. Write down your work and class schedules and things like dentist appointments and assignment deadlines as far in advance as you can. Then fill in the gaps in between with everything from doing laundry to having lunch with friends.

Find your peak hours. Does your brain function best early in the morning or late at night? This is when you should tackle your most difficult projects. You’ll accomplish more in a shorter amount of time!

Set goals. Every Sunday night, decide what you need/want to accomplish during the upcoming week. If you want to wash your car or get to a certain chapter in a book you’re reading, put a Post-it on your dashboard or make a note in the margin, respectively.

Nix timewasters. A short study break to play Angry Birds is okay but if you play for 10 minutes three times a day, that adds up to half an hour! Check your Facebook only once a day; it may be difficult to resist but the time you save can add up to equal watching a movie or playing soccer with pals.

Avoid over-commitment. Learn to just say no! Prioritize everything you want to do and choose what is most important to you. Saying no can be hard but not as hard as having an overbooked schedule.

Kara Coleman attends Gadsden State Community College, where she is a member of Phi Theta Kappa and has received the school’s Outstanding English Student Award two years in a row. Kara’s writing has been featured in Teen Ink magazine and she is a children’s book author through Big Dif Books. In her spare time, Kara enjoys reading, painting, participating in community theater and pretty much any other form of art. She plans to transfer to Jacksonville State University in August 2011 to study communications with concentration in print journalism.

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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Unsure About Your Major? You’re Not Alone

Tips and Tricks for Changing Your Major

Jun 21, 2011

by Anna Meskishvili

It’s natural to have concerns about selecting the right major. There may be some trial and error: I personally went from public relations to business to English to economics to business journalism and back to public relations but transferring my tastes (and credits) was easy with BU’s intra-collegiate transfers. Not all switches may be that simple, though, so here are some tips if you aren’t 100-percent sure of your major:

  • Research. If during your second semester you decide that you’d rather pursue a degree in astronomy than business, be educated about what you are committing to. Each school of study has different schedule demands. Can you handle three-hour labs, night classes or morning-only classes?
  • Plan. Switching majors is tricky because you’ll have to fit a four-year program into less time. Map out the classes you need to take and make sure they’re offered during the specific semester you wish to take them. And be careful with prerequisites! “Pre” means before, so know that you can’t take CM 441 before CM 301, or at the same time.
  • Set Goals. All schools have GPA requirements for transfer, so be very aware of that ratio and strive to reach and maintain it. It’s usually different for every school of study (biology’s may be lower than communications', for example).

Remember that changing your mind is okay and your university is there to help and make any transition easy, pleasant and rewarding. As a rising senior in the PR program, I know I’ve finally made the right major choice, yet I don’t know exactly what the future holds. The best advice I can give about picking a major or a career is to imagine doing it for free. If you’d still love it, then your heart and mind are in the right place.

Anna Meskishvili is a rising senior at Boston University pursuing a degree in public relations at the College of Communication and hopes to someday work in healthcare administration communication. She is part of Kappa Delta at BU and has loved every second of it. She is also involved in Public Relations Student Society of America and Ed on Campus. Anna was born in the Republic of Georgia and considers herself a citizen of the world because she’s lived in Russia, England, France, Brooklyn and Connecticut. She loves to travel, run and learn.

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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To Attend or Not to Attend: That is the ($100,000) Question

Jun 20, 2011

by Angela Andaloro

The decision to attend college is one that everyone arrives at differently. For some, not going to school isn’t an option, be it by their own standards or their parents’; for others, taking the next step in their educational career may have required a little more convincing. I have even heard stories of parents who bribe their kids to go to college with promises of apartments or cars.

While a new ride or a place to call your own might sound tempting, there’s an even more tempting offer out there from PayPal co-founder Peter Thiel – the 20 Under 20 Thiel Fellowship, which, in exchange for a commitment to not attending college for two years and dedicating themselves entirely to their inventions, Thiel offered each fellow $100,000. The response was overwhelming, as are the opinions floating around the controversial award.

One of the lucky 20 fellows, Dale Stephens, wrote an article for CNN discussing his own feelings toward the idea that real world experience could prove to be more beneficial than a formal education. He discusses his disappointment in the values that are promoted by the college system – a disappointment that resounds on college campuses around the country. He goes on to discuss the possibilities out there for our generation beyond a traditional education, which, as Stephens puts it, are beyond the extremes of “Becoming the next Mark Zuckerberg or mastering the phrase ‘Would you like fries with that?’”

Stephens’ call to seek opportunities beyond the formal educational system may be influenced by his experience as a Thiel Fellow but is an idea that is considered by many current and soon-to-be college students. I myself have heard students complain about feeling as though they aren’t really getting anything out of college. The phrase “I’m never going to use this in real life” is one that’s uttered frequently, but how much truth is there to that? Do you feel that there’s something to be learned in college or is it a societal expectation we’ve come to accept?

Angela Andaloro is a rising 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.

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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Do AP Classes Really Prepare You for College?

Jun 20, 2011

by Darci Miller

I was ambitious in high school, taking nine Advanced Placement classes in three years (five during my senior year). And if I heard it from one teacher, I heard it from them all: “This is what college is like! So get used to this amount and caliber of work!”

In my APs, I never had a free second. I was always doing homework and had to cut back on other activities because I was always drowning in my studies for one class or another. My parents would tell me it was good preparation and that it’d make college seem easy. My response? “There’s no way it could be harder!”

And guess what? It’s not. Yes, there’s a lot of work (depending on the class), tests can be hard and require a lot of studying and honors classes require more of you than regular classes (let me tell you – college honors classes are no joke!) but you don’t have every class every day. You don’t come home with calculus, government, biology, Italian and art homework every night, only to complete it and repeat the cycle the next day.

Most of the time, college homework is due a week after it’s assigned; even when it’s not, you have at least 48 hours until you have that class again. It’s a glorious thing! It was a bit of a shock to my system to have chunks of my day left open for whatever but if I plan it well, I can finish all my work by Wednesday and (gasp!) coast a little bit at the end of the week.

The bottom line is that college is probably the same amount of work as a high school schedule full of AP classes – it’s just different. So if you’re in APs now, breathe easy: You won’t be drowning in homework forever!

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!

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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Gaming on a College Budget

Jun 20, 2011

by Kayla Herrera

If you are a gamer in college like me, you know how difficult it is to choose between saving money for school and buying that video game that just came out. You know you have to pay for cable and electricity but that video game is so enticing! But trust me, my gaming friends: It’s possible to game successfully and pay the bills!

As you probably know, there are tons of free games online; naturally, some are low-quality but if you dig, you'll find pretty good free games. For a classic, try Tetris Friends; I have become addicted to this site – it’s a nice way to fill what little free time you may have.

If you are looking for something more adventurous, get Steam. Steam is an online gaming platform that I mentioned briefly in my piece about long-distance dating. It runs smoothly, has a large selection of free games and games for purchase, offers demos of new releases and stores your games for you on your computer. The negative part? It's almost too easy to purchase games. It's thrilling to find a game you've been dying to have, click a button and own it but this can be bad news if you’re trying to watch your spending.

There is always the opportunity to get an emulator, which acts as a console and allows you to play older games from Sega Genesis or Nintendo 64 on your computer for free. All you need to do is download the emulator and start searching for games – easy and entertaining.

College gamers don’t have to break the bank; you just have to know how to wiggle your way through the system. The best part is you'll still have enough for groceries!

In addition to being a Scholarships.com virtual intern, Michigan Tech student Kayla Herrera is a media coordinator for the Michigan Tech Youth Programs, a writer for The Daily News in Iron Mountain, Mich., and a writer for Examiner.com. 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.

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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