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Top 5 Lessons of a Part-Time Job

Jun 24, 2015

by Emily Rabinowitz

The summer before my senior year, most of my peers interned at prestigious companies, traveled the world, or spent hours writing college essays and studying for the SAT. I, on the other hand, got a part time position earning $8.25 an hour at Old Navy.

As I prepare for college this year, I can safely say that my job experience is one of my biggest assets. Here's what I learned:

  • Responsibility. One of my first shifts was the infamous One Dollar Flip Flop Day. With constant lines and eight-hour shifts, I learned responsibility. When on the sales floor, I could not lapse into rudeness even when I had a difficult customer, check my phone even when my friends texted me, and I most definitely could not disobey my superiors.
  • Social Issues. Over the course of the past year, I worked every major holiday from Black Friday to New Year’s Eve, allowing me to understand that the world does not stop because school went on vacation. I started to realize how many parents might have to sacrifice Christmas morning with their children in order to put dinner on the table.
  • Spending. My favorite meal at Chipotle costs about $12 - that is over an hour of work! This came as a shock to me and triggered me to begin tracking my spending and even opening a savings account to lock away future funds.
  • Experience. Having a year in retail, let alone employment, made me marketable. I was able to secure a second job within a month of applying. My job will also transfer with me to college.
  • Respect. In a workplace environment, everyone is your equal. In learning to respect my colleagues, I have gained insight from people in dozens of walks of life.

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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Colleges Where You Can Earn a Degree for Free

Jun 16, 2015

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 with scholarships is an amazing feat, there is another factor to consider: colleges with no tuition to be begin with. Yup, they totally exist – check out the 11 colleges below where you can earn a degree for free:

We should also mention that elite universities with healthy endowments also tout financial aid programs that pay 100 percent of tuition, room and board and fees for students from families with certain incomes – $75,000 or less at MIT, $65,000 or less at Harvard and Yale, and $60,000 or less at Columbia, Cornell, Stanford, Duke, Brown and Texas A&M. For a more detailed look at any of the schools listed or hundreds of other universities, check out our College Search. And let us know where you’re heading this fall in the comments section!

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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Seven Tips for Repaying Your Student Loans

May 22, 2015

by Suada Kolovic

If you're a recent college graduate, chances are you’ll have to start paying off your student loans sooner than you think. And even with the economy in a slump, don’t expect a free pass on not paying your loans. Are you starting to panic? Well, don’t! There’s a ton of advice out there to help students stay on track and courtesy of the U.S. News and World Report, here are seven tips for repaying your student loans.

  • Repay you student loans automatically. Make things easier on yourself by setting up automatic withdrawals from your bank account. This reduces the chance of late or missing payments.
  • Aim for 10 years. The traditional repayment period for student loans is 10 years and ideally you'll be able to pay off all your debt within that time period. If you end up struggling with your monthly payments, however, you could stretch out your loans to 20 or even 30 years. Your monthly payments will become more manageable but you will end up paying a lot more in interest.
  • Stay organized. Having multiple student loans can be a challenge to keep track of but with the government's National Student Loan Data System, you’ll be able to track all your federal student loans in one place.
  • Pay off the loans with the highest interest rates first. A high interest rate costs you every month and compounds that amount you owe every month you aren’t paying off the entire balance.
  • Consider IBR. The IBR is a federal Income-Based Repayment program that allows a borrower to repay his or her federal loans based on what is affordable and not what is owed.
  • Keep abreast of student loan developments. Staying informed is just as important as making your payments. Familiarize yourself with websites that are devoted to college debt issues like Project on Student Debt and the National Consumer Law Center's Student Loan Borrower Assistance Project.
  • Contact the Federal Student Aid Ombudsman. Sometimes your relationship with a lender can go belly-up. If you end up in a dispute, the Federal Student Aid Ombudsman may be able to help resolve the issue.

Are there any tips you'd like to add? Share your suggestions in the comments section.

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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Incoming University of Texas President Turned Down $1 Million Salary

May 15, 2015

by Suada Kolovic

Understanding how to negotiate your salary is a skill that you’ll hone over your career. Normally, many new employees want to negotiate for higher salaries...but for some, that's not always the case: Incoming University of Texas at Austin President Gregory Fenves turned down a $1 million salary because he thought it was too much. Say what?

According to the Austin American-Statesman, Fenves said (in emails obtained by the newspaper) that a $1 million salary was "too high for a public university" and that it might prompt "widespread negative attention from student and faculty given the difficult budgetary constraints of the past five years." Instead, he requested a salary of $750,000 and requested that an annual bonus be capped at 10 percent of his base salary. "It's very, very unusual, especially with what's going on today with presidential salaries. They keep going up and up and up," said James Finkelstein, a public policy professor at George Mason University who studies executive compensation in higher education. (For more on this story, check out Inside Higher Ed.)

What do you think of Fenves' decision to request a lower salary? Should more college presidents follow in his footsteps? Share your thoughts in the comments section.

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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Want to Earn an Extra Million Dollars? Choose Your Major Wisely

May 12, 2015

by Suada Kolovic

When choosing a major, most would agree that it's important to consider gaining lucrative employment following graduation. In a perfect world, the best college major would simply be the one that interests you most, period. But if you have a particular knack for math or science and aren't necessarily sure where those skills would translate best, consider the kinds of careers that could offer a generous return on your investment.

According to a new report from Georgetown University’s Center on Education and the Workforce, going to college pays off but by how much depends greatly on the area of study. For example, students who complete undergraduate degrees in petroleum engineering earn a median $4.8 million throughout their careers (or $136,000 a year) – more than triple the $1.4 million in median earnings (or $39,000 a year) for someone who majored in early childhood education, the report says. "The surprises are in the details," said Anthony Carnevale, director of the Center on Education and the Workforce. Just choosing a major in a STEM field doesn't secure a hefty paycheck, either: Carnevale's team found that biology majors have median annual wages of $56,000 over their careers from age 25 to 59, or about one-third less than physicists. There are also wide ranges in salaries for specific majors. The top 25 percent of earners who majored in finance can expect annual earnings of more than $100,000, while the bottom quartile may bring in just about $50,000 a year. (For more on this report, head over to the Wall Street Journal.)

Do you agree with the sentiment that majors that aren't in high demand should be avoided or should students be encouraged to pursue their passion regardless of potentially high unemployment rates? Let us know your thoughts in the comments section.

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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Starbucks Expands Free College Tuition Program for Employees

Apr 10, 2015

by Suada Kolovic

Last year, we reported that Starbucks and Arizona State University had brewed up a program that would allow its employees to earn online college degrees at a steeply discounted rate. The initiative caused enough of a buzz that Starbucks is now expanding these efforts to provide the path to a full four-year online college degree.

Since its launch last year, nearly 2,000 Starbucks employees have seized the opportunity for a free college education. It’s important to note that degrees are available only through ASU's 49 online programs, which range from English to electrical engineering to information technology; students must also complete 21 credits before the company will reimburse tuition but students will not have to repay or stay with Starbucks after graduation. "The unfortunate reality is that too many Americans can no longer afford a college degree, particularly disadvantaged young people, and others are saddled with burdensome education debt," says Howard Schultz, founder and CEO of Starbucks. Schultz was the first college graduate in his family and now has a net worth of $2.6 billion. "By giving our partners [employees] access to four years of full tuition coverage, we will provide them a critical tool for lifelong opportunity. We’re stronger as a nation when everyone is afforded a pathway to success." (For more on this story, head over to Forbes.)

What do you think of this partnership between Starbucks and ASU? Would you consider working for the coffee giant if it meant you could earn your college degree for free? Share your thoughts in the comment section and for more info on how to fund your college education, head over to Scholarships.com and create a free college scholarship profile!

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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New York Teen Accepted to all Eight Ivy League Schools

Apr 6, 2015

by Suada Kolovic

Applying to some of the top schools in the country is unquestionably unnerving but after months of stress, sleepiness nights and chronic stomach pains, it all seems worth it when you read those magical words, "Congratulations! You've been accepted." Most would celebrate such an occasion with screams of triumph, followed by an immediate Facebook update or witty tweet sharing their enthusiasm...but what would the proper celebration be when you've been accepted to not one but all eight Ivy League schools? Ask Harold Ekeh.

Ekeh has hit the admissions jackpot, receiving acceptance letters from Brown, Columbia, Cornell, Dartmouth, Harvard, Princeton, the University of Pennsylvania and Yale. This outcome, however, wasn’t just luck, for Ekeh is quite the accomplished and well-rounded student: The Elmont Memorial High School senior founded a college mentoring program, was names a 2015 Intel Science Talent Search semifinalist, directs a youth choir at his church, plays the drums, is part of Key Club and Model UN and was elected to the homecoming court. And although he’s yet to make a definitive decision as to where he will enroll this fall, there seems to be a frontrunner. "I am leaning toward Yale. I competed at Yale for Model UN, and I like the passion people at Yale had,” he said. Ekeh will spend the coming weeks visiting all the schools before making his final decision. (For more on his story, head over to New York Post.)

Share your thoughts on Harold Ekeh's story in the comments section and be sure to let us know where you're headed this fall. And for information on the Ivies or countless other universities, use our College Search tool today! And don't forget to try and fund your education with as much free money as possible – a great place to start is by visiting Scholarships.com and conducting a free college scholarship search where you'll get matched with scholarships, grants and other financial aid opportunities that are unique to you!

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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10 Elite Schools Where Middle-Class Students Don’t Pay Tuition

Apr 3, 2015

by Suada Kolovic

Despite the hefty sticker price associated with all elite institutions, estimated costs are actually quite affordable. In fact, Ivy Leaguers graduate with less debt than their peers who attended less prestigious schools. But how? It turns out that healthy endowment funds play a huge role in aiding low-income, middle-income and even upper-income students with tuition (and sometimes also room and board) costs. Check out 10 schools where some students pay little to nothing to attend:

  • Princeton University

    Tuition for 2015-16: $43,450
    Policy: Families making less than $54,000 a year don't pay tuition, room or board, and families making less than $120,000 a year don't pay tuition.
  • Brown University

    Tuition for 2015-16: $48,272
    Policy: Families making less than $60,000 don't pay tuition, room or board.
  • Cornell University

    Tuition for 2015-16: $48,880
    Policy: Families making less than $60,000 don't pay tuition, room or board.
  • Columbia University

    Tuition for 2014-15: $51,108
    Policy: Families making less than $60,000 don't pay tuition, room or board.
  • Duke University

    Tuition for 2015-16: $47,650
    Policy: Families making less than $60,000 don't pay tuition, room or board.
  • Harvard University

    Tuition for 2015-16: $45,278
    Policy: Families making less than $65,000 a year don't pay tuition, room or board.
  • Yale University

    Tuition for 2015-16: $47,600
    Policy: Families making less than $65,000 a year don't pay tuition, room or board.
  • Stanford University

    Tuition for 2015-16: $45,729
    Policy: Families making less than $65,000 a year don't pay tuition, room or board, and families making between $65,000 and $125,000 a year don't pay tuition.
  • MIT University

    Tuition for 2015-16: $46,704 (includes mandatory fees)
    Policy: Families making less than $75,000 a year don't pay tuition.
  • Dartmouth College

    Tuition for 2015-16: $48,120
    Policy: Families making less than $100,000 don't pay tuition.
  • With acceptance rates hovering at less than 10 percent at many of these schools, gaining access to the funding above is fiercely competitive. Do you think it's fair for students who don’t meet the Ivies' steep admissions standards to be saddled with crippling debt or should the ones that do be rewarded with an affordable, brand-name education? Let us know what you think in the comments section. And don’t forget that even affordable college tuition can still be expensive! Try and fund your education with as much free money as possible – a great place to start is by visiting Scholarships.com and conducting a free college scholarship search, where you'll get matched with scholarships, grants and other financial aid opportunities that are unique to you!

    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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UC President Apologizes for Calling Student Protests “Crap”

Mar 20, 2015

by Suada Kolovic

After serious public outcry, University of California President Janet Napolitano publicly apologized Thursday for referring to a UC student protest as "crap" the day before.

Napolitano's gaffe occurred Wednesday when two dozen underwear-clad student protesters interrupted the UC regents meeting to protest next year's widely contested tuition hike. The students began chanting and some stood up on chairs and stripped down to symbolize that the tuition hikes were costing them the shirts off their backs. Napolitano then turned to Board of Regents chairman Bruce Varner and said, "Let's go. We don’t have to listen to this crap." The private remarks were caught on a university video feed. Napolitano and the UC Regents have been subject to protests since they approved a tuition hike in November that would raise tuition 5 percent per year for the next five years; the increase would raise next year’s in-state tuition to $12,804 from $12,192 and ultimately to $15,564 by 2019. (For more on the story, head over to the Los Angeles Times.)

Do you think Napolitano's comment was out of line? What do you think of the efforts made by these students to have their voices heard? Do you agree with their form of protest? Share your thoughts in the comments section. And don’t forget to check out our Financial Aid section for more info on college funding and while you're there, conduct a free college scholarship search where you'll get match with countless scholarships, grants and other financial aid opportunities!

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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Understanding President Obama’s Student Aid Bill of Rights Initiative

Mar 13, 2015

by Suada Kolovic

The financial aid process can be a daunting one but if you're planning on attending college any time soon, you should know that there are tons of federal student aid options available. From Pell Grants to Perkins Loans to the FAFSA, the funding is out there but your eligibility to receive aid depends on your level of need and, subsequently, how much aid you are eligible to receive. Translation: For the majority of students, loans are inevitable. But don't fret just yet because President Obama announced the Student Aid Bill of Rights initiative to help student borrowers with the challenging student loan process.

What it does:

  • Helps borrowers keep track of their student loans. For years, consumer groups and colleges have been warning that borrowers with more than one servicer are losing track of their loans — and winding up in default as a result. The Education Department acknowledged those concerns last fall, when it adjusted some institutions' "cohort default rates," or the share of borrowers who default on their loans within a certain time frame.
  • Make it easier for borrowers to file complaints involving their student aid. Right now, borrowers can file complaints with a variety of agencies, including the Consumer Financial Protection Bureau, the Department of Veterans Affairs, and the Defense Department. But there isn't a centralized website where all borrowers can lodge their grievances against lenders, servicers, debt collectors, and colleges.

What it doesn't do:

  • Prevents students from overborrowing in the first place. Many of the challenges that student-loan borrowers face in loan repayment are the result of unmanageable debt. After all, if borrowers could afford their loan payments, they wouldn't have to turn to income-based repayment or deal with debt collectors.
  • Overhaul student-loan debt collection. They want the government to handle debt collection itself. But the president's plan merely talks of "raising standards" for student-loan debt collectors, and it’s pretty vague about what those higher standards would look like.

For more on the president's Student Aid Bill of Rights, head over to The Chronicle of Higher Education. . What do you think of the president's attempt to ease the financial burden associated with student loans? Share your thoughts in the comments section. And don't forget, going to college doesn't have to break the bank! Check out our Financial Aid section for more info on federal funding and while you're there, conduct a free college scholarship search where you'll get match with countless scholarships, grants and other financial aid opportunities!

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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