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by Alexis Mattera

Did you have to take out student loans in order to pay for all or part of your college education? Probably, as total student loan debt passed total credit card debt for the first time and is approaching the $1 trillion mark, but the bigger problem could be that college students who truly need to borrow are not doing so.

In a new analysis of student debt published in AEA’s Journal of Economic Perspectives, researchers Christopher Avery and Sarah Turner explain that overemphasis in news coverage of students drowning in debt is scaring people away from taking on healthy debt. They say that capital investment one takes on with a student loan is growing – males with college degrees make $600,000 more in their lifetimes than peers with only high school degrees – but just one in six full-time students at four-year colleges who are eligible for a student loan do not take one out. Why? The study cites rational self-control, short-sightedness and risk factors like the difficulty of predicting future earnings but also reveals that many loan-less students accrue debt by relying heavily on credit cards to cover educational expenses and half work more than 20 hours per week – a schedule that could hurt their chances of graduating on time or at all.

There’s much more to the study here but what’s your take on student loans? Is borrowing worth it if it's done responsibly or is it best to use loans as a last resort in funding your education?

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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Romney on College Costs

GOP Candidate Offers Little Comfort to Current and Hopeful College Students

Mar 6, 2012

by Alexis Mattera

If you want to go to college but can’t completely afford it, don’t expect Mitt Romney to help you bridge the financial gap.

During yesterday’s town hall meeting in Youngstown, Ohio, Romney made it clear that he would not promise to give students government money to cover higher ed costs. The advice he did offer regarding colleges was blunt – pick an affordable option, get scholarships, join the military and graduate early – and very different than the words of President Obama during his third State of the Union address, which discouraged tuition increases and aimed to double the amount of federal work-study jobs. Though this is a man who pushed for state-funded four-year tuition scholarships while serving as the governor of Massachusetts, Romney’s mantra is now firmly “don’t expect the government to forgive the debt that you take on”...or protect you from it, for that matter: He supports the House Republican budget which would cut Pell Grants by at least 25 percent.

What do you think of Romney’s position regarding higher ed funding?

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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by Lisa Lowdermilk

Recently, The New York Times revealed that two studies have shown that many community colleges wrongly place students in remedial classes. The main reason why this happens is because students are placed according to their standardized test scores, rather than their cumulative GPAs – in other words, students are forced to pay for classes they don't receive college credit for and, if not for one less-than-hoped-for standardized test score, wouldn't even have to take otherwise! Consequently, students forced to take these remedial classes may experience lower self-esteem than their peers, fail to graduate on time and have to work significantly harder (both at work and at school) to afford these additional classes. In short, having to take unnecessary remedial classes has the potential to make college much more difficult than it needs to be.

All of these problems could be alleviated if community colleges (and state and private universities, for that matter) placed students based on their cumulative high school GPAs. After all, GPA is determined by years of hard work, whereas standardized tests are based on (at most) several months of preparation. And while we obviously can't use the excuse, "I don't test well" every time our test scores leave something to be desired, we should also keep in mind that one test does not (and should not) determine our academic futures.

If you or someone you know is having to take unnecessary remedial classes (e.g., you earned a B in high school calculus but didn't do as well on the standardized test), don't be afraid to talk to someone in admissions about your concerns. While changes rarely go into effect right away, faculty will listen if more students question the emphasis on standardized tests over cumulative GPA. Just make sure you're polite and discuss your concerns logically and calmly!

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.

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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by Suada Kolovic

There are myriad reasons to get a college education – better employment opportunities, higher earning potential, experiences that will last a lifetime, etc. – but you probably didn’t realize that it might be good for your health, too: A new study suggests that earning a bachelor’s degree before reaching the age of 25 is linked with having fewer symptoms of depression and having a higher self-rating of health, compared to people who don’t have college degree before 25.

The findings, published in the American Journal of Public Health, were based on data from 7,179 people who participated in the National Longitudinal Survey of Youth in 1979. The study suggests that people with college degrees are more likely to report regular exercising – 63 percent of college graduates reported participating in “vigorous exercise” once a week or more, compared with 37 percent of people in the same age group who only had a high school diploma. Study researcher Dr. Katrine Walsemann of the University of South Carolina said in a statement that the findings “provides preliminary evidence that the timing of education is associated with health advances current research on the importance of attaining at least a bachelor’s degree after the mid-20s.” (For more on the study, click here.)

What do you think of the study’s findings? Do you think obtaining a college degree has a direct correlation to an individual’s well-being or do you think everyone has the potential to develop bad habits regardless of their educational backgrounds?

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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by Suada Kolovic

With a growing number of students questioning whether the cost of a college education has grown too high to be justified, the reality of students selecting non-traditional paths has finally garnered a response from colleges: According to a list published by the National Association of Independent Colleges and Universities, private nonprofit colleges and universities are unveiling lots of affordability measures in the coming academic year including tuition cuts, freezes and guarantees, three-year degree programs, four-year graduation pledges, curricular changes to help students graduate on time, partnerships with community colleges, lower tuition increases and scholarship assistance. Check out some of the highlights below (and to see the full list, click here):

Baylor University - Waco, TX: In the upcoming academic year, Baylor will begin the pilot phase of the new Baylor at MCC Co-Enrollment Program with McLennan Community College. Students in the program will attend the first year or two at MCC then move on to graduate from Baylor.

Roosevelt University - Chicago, IL: Beginning this fall, Roosevelt and nearby community colleges will offer students the opportunity to complete associate degrees and matriculate to Roosevelt at a frozen tuition price point across four years.

Simmons College - Boston, MA: Simmons will start offering 3+1 programs this fall that will allow students to receive both bachelor's and master's degrees in just four years.

University of Pennsylvania - Philadelphia, PA: UPenn is increasing total undergraduate charges by 3.9 percent for 2012-13, the second lowest increase in 44 years. The school is also increasing its financial aid budget by 7.7 percent over 2011-12.

Wentworth Institute of Technology - Boston, MA: Wentworth will debut its first three-year baccalaureate degree program this fall.

The list will be updated regularly as more 2012-13 campus measures are announced, NAICU said. Does this information have you reevaluating your college and financial choices?

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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by Suada Kolovic

After a decade of dialogue with administration, marches, rallies and petitions, the Living Wage Campaign decided enough was enough: The student group that has pushed for higher pay for low-level employees at the University of Virginia (UVA) is entering the 11th day of a hunger strike with more than a dozen students continuing their protest.

Organizers are demanding UVA pay its employees at least $13 an hour with benefits and wages that are indexed to inflation. “Our university seeks to distinguish itself as a caring community and prides itself on traditions of honor and student self-governance. However, in our ‘caring community,’ hundreds of contract employees may make as little as $7.25 an hour while six out of the top ten highest paid state employees in Virginia hold administrative positions at the university,” wrote Joseph Williams, a hunger striker and football player at UVA, on Michael Moore’s website. On Monday, protestors met with UVA President Teresa Sullivan and other officials but declared it unsuccessful and said they would remain on a hunger strike until their demands were met. University officials insist they have no say over how much contractors pay their employees. (For more on this story, click here.)

What do you think of the extreme strategies the protestors are taking? Do you support their efforts? Would you participate in a hunger strike for a cause you believed in?

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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BARC Can Give Your Career Some Bite!

Bay Area Retail Leadership Center Helps Students Learn from, Network with Professionals

Feb 28, 2012

by Radha Jhatakia

One of the best resources that college can offer you (besides an education, of course) is the opportunity to find employment after graduation. There are programs dedicated to helping students in different career fields and at SJSU, one of these opportunities comes with the Bay Area Retail Leadership Center, or BARC.

BARC consists of SJSU students and faculty who have partnered up with those in the retail industry. Currently, the list of partners includes Target, Walgreens, Kohl's, Verizon Wireless, Ross, Nike and Walmart and students are able to interact with professionals at these companies and gain insight to what working for a retail corporation will be like while networking and getting potential job offers.

BARC offers a study tour during which students travel to different headquarters and main offices of these companies – an advantageous experience that happens only twice a year. Apart from this, BARC hosts conferences in which speakers present on different aspects of how to make it to the retail industry; internships are also offered. Just like with any networking opportunity, though, it is up to the student to make the most of these prospects in the end.

If there is a program like BARC at your college, take advantage of it – there are so many unexplored opportunities! – but if a program like this doesn’t exist, speak with advisers and faculty to start one! It will be a great chance for you to launch a program that will not only help many individuals but will allow you to gain work experience and contacts in the professional world as well.

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.

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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by Kara Coleman

Traditionally, most college students live in dorms or apartments on or near their campuses to get the full “college experience.” But before you sign that rental agreement, you might want to consider living at home and commuting to school.

We’re all familiar with the stereotypical college student – eating Ramen noodles for every meal and taking out student loans to pay for books and tuition – but that doesn’t have to be you! My goal is to graduate from college debt-free so I live at home with my parents and commute to a university about 30 minutes away. Because I live at home, I am able to save myself rent and utility expenses and use the money I earn from my job to pay cash for my tuition and books. Some students prefer the feeling of independence that comes with living on your own (I mean, if you live in your parents’ house, you live by their rules!) but not taking out student loans will mean financial freedom after I graduate and get a real job.

The downside to living so far off-campus is that I’m not as connected to events and happenings at school as the students who live there are. It’s not always easy to make it to meetings and events when commuting from the next county but by no means does it deprive me of the college experience: I still attend football games, plays and seminars at my university, and hang out with friends between classes.

Is living home and commuting right for you? While it’s certainly not for everyone, it’s definitely an option that I encourage students to consider while making housing plans for the upcoming school year.

This summer, Kara Coleman graduated from Gadsden State Community College with an Associate of Arts degree. She is currently studying communications with concentration in print journalism at Jacksonville State University Kara's writing has been featured in Teen Ink magazine and she is a children's author through Big Dif Books.

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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by Alexis Mattera

There could be a 15-page research paper deadline, a monster exam and an internship shift tomorrow but if you think a college student isn’t going to take even a few minutes to destress or have a laugh, you’re crazy. My go-tos were Peanut Butter Jelly Time, Snood and UCTV but today, it’s all about college-centric memes.

According to Time (and Richard Dawkins), a meme is essentially an idea that replicates and evolves through imitation – a process the Internet makes almost too easy. Since October, schools like Florida International University, McGill, Appalachian State, UT, Duke, Northwestern and BU have all jumped aboard the meme train and the viral school spirit shows no sign of slowing: More student-created takes on Success Kid, Uber Frosh and others keep popping up on Facebook every day.

Have you caught college meme fever or do you think the meme trend has already worn out its welcome?

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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by Alexis Mattera

Wouldn't it be amazing if that super expensive college you were just accepted into said, "Hey there, new friend – thanks for all your hard work saving, scrimping and scholarship searching but we’ll take it from here, financially"? It can happen...kind of.

When a student fills out the FAFSA, a figure known as the expected family contribution (EFC) – the amount a student or family can reasonably spend on one year of college – is calculated using family income, number of children, amount of assets and other factors. There is sometimes a gap between the EFC and the final cost of college but 62 schools have reported to U.S. News that, on average, 100 percent of their admitted full-time undergraduate students' financial need was met for fall 2010 by some combination of aid (work-study, merit scholarships, grants, subsidized loans, etc.).

Now, we're not going to list every single college and university that reported these claims (you can check out U.S. News' site for that) but we will say that some well-known schools like Yale, Vanderbilt and Grinnell – the latter of which has never failed to meet full need for a student in 20 years, according to financial aid director Arnold Woods – have made the cut. Way to go and keep up the good work!

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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by Suada Kolovic

For the budget-conscious high school senior, it seems like a no-brainer to apply to the local state school for the best shot at affordable tuition. But with the economy in a slump and funding cuts becoming the norm, public universities across the country are more interested in recruiting out-of-state students. Why? It’s pretty simple: On average, tuition and fees for students crossing state lines is more than double that of their in-state peers. So if you have your sights set on schools beyond your state’s boundaries, check out the 10 most expensive public schools for out-of-state students (figures do not including room and board, books and other miscellaneous costs):

  1. University of Michigan – Ann Arbor: $37, 265
  2. University of Virginia: $36,570
  3. University of California – Irvine: $35,780
  4. University of California – Davis: $35,672
  5. College of William and Mary (VA): $35, 409
  6. University of California – Santa Barbara: $35,386
  7. University of California – Santa Cruz: $35,211
  8. University of California – San Diego: $35,006
  9. University of California – Riverside: $34,729
  10. University of California – Berkeley: $34,645

Did your prospective college make the list and does this information alter your interest in the school? Is it fair for colleges facing financial woes to place the burden on the shoulders of incoming out-of-state students?

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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