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And the Least Indebted Graduates Are...

U.S. News Lists Schools with Lowest Average Debt for 2010 Grads

Dec 28, 2011

by Alexis Mattera

If you are a recent college graduate, those student loans you haven’t thought about in four or more years are about to come calling...and collecting. While some students’ debt tallies are quite large, the amounts owed by others are much more manageable.

U.S. News & World Report has reported that the average amount of student loan debt (defined as money loaned to students from colleges, financial institutions and the government, not including parent loans) for a 2010 college graduate was about $25,000 but this number truly varies depending on what school a student calls his or her alma mater: For example, 2010 graduates of Alice Lloyd College have an average total indebtedness of only $3,108 and those from Princeton owe just $4,385, due in large part to more grants, scholarships and work study that do not require repayment. Here are all of the schools that made the top 10 and the average amount of student loan debt 2010 graduates incurred:

Does this information have you reevaluating your college plans or financial aid choices?

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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Goodbye, Textbooks - Hello, Money!

The Best Places to Sell Back Your Books

Dec 23, 2011

by Radha Jhatakia

It’s the end of the semester again and I’m sure as many of you are packing to go home, you’re wondering what you’re going to do with all those textbooks. Although there are some books you may want to keep, you’re going to want to sell most of them back and there are several ways to go about recouping some of the money you invested.

Many campus bookstores will buy back the book for 40 to 50 percent of the price you paid for it – used or new. If the edition is being updated, however, you might want to consider selling it elsewhere because your return will be much lower.

Online book retailers like Amazon and Barnes & Noble will buy textbooks back from you directly. Just recently, Amazon was offering $35 for a book I paid $45 for so I’d say it’s a very good deal. (They give you a free shipping label, too.) Amazon also lets you sell your books through their site to other students. The downside here is you will have to ship the book yourself, which will usually run more than the $3.99 fee Amazon charges, and Amazon takes 10 to 20 percent profit of what you make, including applicable tax and shipping fees.

You can list books on Craigslist or even around your campus. Put up a posting online or in your dorm and have students contact you if they need those textbooks.

There are ways to get money back for your textbooks but make sure to do it as soon as you can after the semester ends. You’ll get a better return this way – funds you can put toward next semester’s books!

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.

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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All I Want for College is...

Gifts to Help You Through the Rest of the School Year

Dec 21, 2011

by Angela Andaloro

Winter break is top of mind for many college students right now and although it’s tough to imagine as we pack up our dorm rooms for a month away from campus, we’ll be back in class before we know it. We’re all aware of the expenses that go into being a college student – both in terms of academics and how we spend our time outside of school – and the holiday season is a perfect way to get some assistance on that front. Here are some items you can consider putting on your holiday wish list to make sure the second half of this school year goes smoothly!

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.

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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Conquering the Grocery Store

Dec 16, 2011

by Katie Askew

Graduating from freshman dorm life to sophomore apartment living has had its pros and cons. Although I gained more freedom, I lost luxuries like free laundry, a professionally-cleaned bathroom and meals made by a chef. My housing choice meant more financial responsibility – something I realized when I stepped into the grocery store for the first time as an apartment dweller. To keep my spending (and yours!) in check, I created a short list of tips for a college student’s first few trips to the grocery store.

Don’t shop hungry. I’m sure you’ve heard this before but it’s true: When I’m full, I focus only on the foods that are only on my list and I save a ton of money by avoiding impulse buys like giant jars of Nutella.

Plan a weekly menu and take a list. Decide what you’re going to eat on a weekly basis and create a grocery list that reflects this. Keep staples like bread, eggs, cereal and milk in mind but if you want to maintain a budget, it’s important to not stray from your list. If you need recipes for quick dinners, check out sites like Kraft or All Recipes: Just type in what ingredients you have and a meal will be generated for you!

Set a time limit. Saying you only have X minutes to shop will keep you focused on what you need, not what you want. This will also save time for homework or something fun later.

Find coupons. Purchasing a real Sunday newspaper is an excellent investment: Not only can you catch up on the news but you also gain access to lots of great coupons from local grocery stores. Dedicated coupon sites like CoolSavings or SmartSource are also helpful because they find deals based on your zip code.

I’m not saying you can’t splurge every now and then – after a rough week, ice cream is a necessity! – but by living like a student now, you won’t have to later in life!

Katie Askew is a sophomore 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, teaching and performing 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 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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Pell Maximum Maintained, Eligibility Tightened

Dec 16, 2011

by Alexis Mattera

The Federal Pell Grant program as we know it has been in jeopardy in recent years but an agreement reached last night will keep its funding intact. While college students will still receive the maximum award amount per year, the number of eligible recipients is a quite different (and unfortunate) story.

The Chronicle reported congressional leaders agreed on a spending bill for the remainder of the current fiscal year that would increase funds for the National Institutes of Health by 1 percent, thereby maintaining the maximum Pell Grant amount of $5,550. To make this $300 million increase possible, however, eligibility for the award has been restricted. Under the bill, Pell Grant funding will only be available to each student for six years instead of nine, high school diplomas or GEDs will be required (no more ability-to-benefit tests) and the income cap for receiving an "automatic zero" expected family contribution will be lowered from $30,000 to $23,000. The interest subsidy on undergraduate student loans during the six-month grace period after a student graduates would also temporarily end.

Yes, the changes are significant but they are far less severe than an earlier bill which would have lowered the income cap to $15,000 and reduced the amount of income working students could exclude when applying for financial aid – changes that would have negatively impacted thousands of college students, especially those attending community colleges. We want to know what you think about the news. Is there a way to maintain federal funding without decreasing eligibility or do you think this bill is the best option?

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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Berkeley Announces Aid Increase for Middle-Class Students

Dec 15, 2011

by Alexis Mattera

Not-so-breaking news: College is expensive and the costs associated with it show no sign of stopping their steady climb. What’s a college hopeful to do? Consider a school that’s finding ways to bridge the financial gap, like UC Berkeley.

Beginning next fall, Berkeley will amp up its financial aid contributions for middle-class students. School officials reported that while the number of low-income and wealthy students has increased over the last several years, the number from middle-class families has remained flat. Berkeley hopes to regain the interest of middle-class applicants by becoming the first public university to promise families earning between $80,000 and $140,000 a year will contribute no more than 15 percent of their annual incomes toward tuition.

This news – released just one day after Gov. Jerry Brown announced a $2.2 billion budget shortfall and another severe round of cuts to state colleges and universities – has already been dubbed a game changer by Terry W. Hartle: The senior vice president of the American Council on Education also believes other colleges will channel their competitive spirits and do whatever they can to offer similar programs. Learn more about Berkeley’s plan here then tell us what you think.

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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Create a College-Friendly Holiday Budget...and Stick to It!

Dec 14, 2011

by Radha Jhatakia

It’s that time of the year again where we see festive decorations, cheerful people...and empty wallets. The holiday season can definitely take a toll on our bank accounts – not only do you have to buy gifts but you have to get formal wear for fun holiday events! Can it be done on a college budget? Hard to believe but it can!

First, know where and when to shop. Stores will sometimes offer seemingly large discounts on Black Friday but drop prices even more as the holidays draw closer. How do you know which sales you will save the most on? Well take a look at retailers’ websites to determine the prices and sales they usually have. If you see the percentage of the sales on "special shopping days" are the same as their usual Saturday sales, it’s not a deal! I know what stores I need to go to by doing a little research ahead of time, targeting what items I want and finding additional discounts online and in catalogs: Last year, I found a $99 jacket on sale for $19!

Also, think about making gifts – it’s the thought that counts after all! This year, I’m on a tighter budget so I’m going to make customized stockings. People love gifts that are handmade over something store-bought that might be exchanged. You can even fill the stockings will homemade treats; there are so many recipes for easy-to-make desserts online!

Just remember that the holidays are not about how much you spend. Shop only for what you need and give the rest from the heart. Enjoy the season, amazing food and great friends without going broke!

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.

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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When and How to Start Preparing for Grad School

Dec 13, 2011

by Kayla Herrera

I have been looking at graduate schools for a while now to better prepare myself for a career in my profession of choice. If you are interested in graduate school as well, you probably had the same question I once did: When and how do I start preparing?

We recently had a graduate school seminar here at Michigan Tech that talked about when to start applying, what to expect, taking the GRE, etc. Here are the points I found most important for one’s journey to graduate school:

If you want more information on graduate school, my school has the seminar online for viewing and other resources used in the seminar can be found here. Do your research , stay organized and your acceptance letter will follow!

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.

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!

Comments (0)

This Scholarship of the Week from Dr Pepper is Refreshing Indeed!

Hurry - Dr Pepper Million Dollar Tuition Giveaway Deadline is 12/31

Dec 12, 2011

by Alexis Mattera

If you need to find money for college and know how to create and upload a video file, have we got a scholarship opportunity for you.

The Dr Pepper Million Dollar Tuition Giveaway gives students age 18 and older the chance to earn up to $100,000 to fund their college educations. Thirsty for more details? We bet you are! To enter, all you have to do is submit an original video explaining why you deserve tuition through the Dr Pepper website by December 31st. Hey, it’s easier – not to mention less dangerous – than describing what Dr Pepper tastes like!

Full guidelines for submission and answers to FAQs can be found on Dr Pepper’s website. To learn more about this award as well as additional scholarship opportunities, conduct a free scholarship search today!

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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Should You Take a Semester Off?

Dec 2, 2011

by Kayla Herrera

I have been attending college for about four years now and have never taken a semester off. The thought used to make me shudder – how could someone even think of taking time off from school?! – but after this semester, it doesn’t sound like such a bad idea.

Some of my friends took semesters off to travel and learn more about themselves, while others were lost and not sure what they wanted to do in life. Some have experienced the loss of a family member or friend and others fell so ill that it interfered with their everyday lives. But me? My situation has been a combination of flying squirrels, bad landlords, health issues and money problems. Stress from school has skyrocketed to its worst level ever and I am planning to take the summer off, since I cannot afford to withdraw from spring classes if I want to stay on track. (I did consider attending part-time but found it could create problems with financial aid.)

If you’re considering taking a semester off, do NOT just drop off the face of the Earth. Let your adviser know your plans and keep the lines of communication open so that the process of coming back to school is easier when you are ready to do so. You may be taking time off from school to destress but I’d also recommend doing something related to your major – picking up an internship/job, volunteering or studying for LSAT, MCAT, GMAT or GRE – to stay somewhat involved in your field.

Lots of college students take time off for one reason or another; if external factors are competing with school to the point where your grades are suffering, take a break – you’ll return to school more motivated to succeed.

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.

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!

Comments (0)

Is Your Dream School Affordable, Too?

Dec 2, 2011

by Scholarships.com Staff

When an acceptance letter arrives from your dream college, your first instinct may be to scream, cry and jump on your couch with Tom Cruise-caliber flair. Feel free to give in to those urges – hey, you earned it! – but realize you will soon have to figure out how to pay for your education. Can you really afford this school, not only while you’re attending but after you graduate as well? A new list from Kiplinger says your dream school could be a reality after all.

The list, which rates how well colleges actually do in making themselves affordable, includes schools with students who graduate with less than $20,000 in student loan debt on average. The Washington Post’s Daniel de Vise also weighed in, supplementing Kiplinger’s findings with data from the Institute for College Access and Success. Here’s what he found were the most affordable institutions based on the average amount of debt graduates carry:

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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