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by Veronica Gonzalez

Exams lurk in college classrooms and quizzes have been known to (literally) pop out of nowhere! The question is: Will you be ready for them? Professors know that every student has time to study no matter what and as a college student, list-making, planner-investing and avoiding distractions has helped me improved my study skills when exams and quizzes draw near. Need help prioritizing your study time? Take note!

Homework will come at you like angry bees before you know it so take the time to determine what you need to work on, which papers are due when and what needs to be turned in. If you like going digital, make a list on your phone and/or tablet.

To-do lists are essential but what would make them easier to remember and complete is a planner. Planners aren’t hard to find – most retail stores sell them for between $3 and $20 depending on the brand and style – but if you want to save money, consider the fact that some mobile devices like tablets and cell phones have planners just by using the calendar feature.

Although we’re in the digital age, digital mobile devices can be both allies and adversaries. Try to limit the use of cell phones, social media and other distractions while catching up on homework or when studying for a test. If you cut out the distractions during study time, you’re more likely to focus more on the course content.

The main focus in college is supposed to be academics. By taking extra steps in prioritizing your study habits, you’ll be on the right path to success.

Veronica Gonzalez is a junior at the University of the Incarnate Word in San Antonio, Texas. Her current major is English and she plans to pursue a bachelor’s degree in this field. She served as the vice president of the UIW chapter of Alpha Lambda Delta from 2012 to 2013 and she returns as a junior delegate in the fall of 2013. Her dreams are to publish novels and possibly go into teaching in the field of English.

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 Mike Sheffey

Recently, the federal government came out with a proposed plan to encourage academic excellence in college and linking it to federal aid.

Linking financial aid to academic performance? Wasn’t this already a thing? I mean, really? I completely understand where they’re coming from – I can’t slip below a 3.0 or I risk losing scholarships – and would have thought the federal government would be on a similar page. OK, so maybe that’s a bit harsh and I’m not saying that the minimum GPA would have to be a 3.0 but having some minimums on grading is something I fully support the federal government doing. I mean, if they view college students as the future, then they are investing in America’s future...and they’re probably going to want to emerge at the other end having viewed that investment as a smart idea. I know I’ve seen my fair share of people getting by without incentive to succeed but if your money and future were on the line, you’d see drastically different outcomes. And in the long run, I think we’d appreciate it: Better grades = better GPA = better skills = better jobs. (Or at least in simple terms, that’s how it would go.)

There is, however, the other side of the argument: In the same way that I believe high schools are pushed to be teaching to a test and not to the things we really need to learn (let alone the fact that ALL PEOPLE learn differently but standardized testing pushes a one-way system), I believe a federal system for weighing academic merit could descend into standardized tests for college professors. To be able to hold all college students to federal standards, the government would have to, right? THAT I cannot agree with.

The proposed plan also proposes a heavier focus on online classes. You can read my previous post about online textbooks but would a federal push for online classes devalue the classroom? All I know is that I’d need more details before they could sell me on some of this. But allocating more money to those doing well in school and less or none to those who don’t take it seriously or do well? I can see that. Don’t get me wrong, I’m not saying a 2.5 GPA or anything like that, but if you have a 0.5 and you are receiving federal aid, that’s a problem.

What do you think about the proposed federal plan?

Mike Sheffey is a junior at Wofford College double majoring in computer science and Spanish. He loves all things music and has recently taken up photography. Mike works for an on-campus sports broadcasting company as well as the music news blog PropertyOfZack.com. He hopes to use this blogging position to inform and assist others who are seeking the right college or those currently enrolled in college by providing advice on college life, both in general and specific to Wofford.

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 Mary Steffenhagen

Living on campus is almost a necessary rite of passage for the college freshman. “Don’t miss out on the full college experience!” you’re warned, enticed with stories of spacious dorms, fantastic parties and few rules. Sure, living in the dorms can be fun, exciting and new but it also has it downsides: expensive room and board fees, a mandatory meal plan with food usually not worth the cost, lack of privacy or the risk of a bad roommate. Being a commuter student, on the other hand, isn’t as difficult as it seems: Your school probably has commuter lockers if you have a lot of books, packing a lunch is cheap and quick and carpooling is an efficient way to travel with friends.

I lived on campus for my first two years of school and experienced all the downsides listed above to varying degrees so this year, I am living at home and commuting. In some cases, the pros and cons were obvious. Did I want to pay thousands for a meal plan rather than eat with my family for free? No. Would I rather share a small space with three girls instead of having my own familiar bedroom? No. But would I like to be closer to campus than have the 40-minute commute I now have each day? Yes. I was reluctant to commute at first but I found that the time spent would be made up for and then some by the money I would save. If living at home for a year or two is an option for you, consider it! You’ll save money that you can put toward paying off any student loan debt or – who are we kidding – buying stuff you actually want when you want it.

If a long commute doesn’t interest you but you’re still looking to live off campus, it’s not too late to begin the apartment search. It is possible to find a nice place with affordable rent: College towns often have complexes with student budgets in mind. Splitting rent is an easy way to keep costs down and this time you get to choose your own housemate!

When you live off campus and commute, your time feels more like your own and it doesn’t have to revolve around what’s going on at school. If you’re feeling the itch to leave campus, check out your options and see what’s best for you!

Mary Steffenhagen is a junior at Concordia University of Wisconsin who is majoring in English with a minor in business. She hopes to break into the publishing field after graduation, writing and editing to promote the spread of reliable information and quality literature; she is driven to use her skills to make a positive impact wherever she is placed. Mary spends much of her time making and drinking coffee, biking and reading dusty old books. In an alternate universe, she would be a glassblower.

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 Abby Egan

As an incoming college student, you’ve probably heard the term “freshman experience” a million times by now. Well, think of residence halls as feeding grounds for memories and experiences you can gain outside of the college classrooms: The social atmosphere of residence halls is the most basic way to build college connections and relationships and staying on campus during freshman year is essential to receiving that crash course to how life really is on a college campus.

Abby Egan is currently a junior at MCLA in the Berkshires of western Massachusetts, where she is an English Communications major with a concentration in writing and a minor in philosophy. Abby hopes to find work at a publishing company after college and someday publish some of her own work. In her spare time, Abby likes to drink copious amounts of coffee, spend all her money on adorable shoes and blog into the wee hours of the night.

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 Carly Gerber

“When I graduate, where will I work?”
“What if I can’t find a job?”
“What if no one will hire me because I lack experience?”
“Did I pick the wrong major?”
“Should I attend graduate school?”
“Is graduate school a waste of time and money?”

I apologize if I gave you a minor panic attack but these are questions that weigh on most students as they contemplate their lives after college. If you find these concerns are on your mind on a daily basis, you could be having a quarter-life crisis, which, according to a recent USA Today article, is when 20-somethings have anxiety because they question the direction and quality of their lives. Frankly, however, this anxiety is a waste of valuable time and energy so let’s do some crisis management, shall we?

Firstly, recognize that you have only lived one quarter of your life – you still (hopefully) have three quarters to go, which means that some decisions you make now will not affect your future as much as you think they will. We are ever changing and the interests we have now may not hold true in a few years.

Secondly, let go of how others measure success and measure success on your own terms. Joining new clubs and organizations or becoming involved in an alternative spring break are ways you can find contentment and purpose.

Lastly, talk to someone! If the anxiety is constantly weighing on you, you may want to consult a parent or teacher who has more life experience than you. Remembering that you’re not alone and finding someone who has been in your shoes and has moved past the anxiety you’re feeling will help you get through your rough patch.

Carly Gerber is majoring in journalism at Columbia College Chicago. She loves fashion and hopes to cover the topic for a Chicago-area magazine. In her free time, she focuses on her blog, loves making jewelry and spending time on Pinterest and Pose. She hopes to use this blog to guide and relate to its followers: college students like herself!

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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For Some, "Pay it Forward" A Step Backward

3% Over 24 Years Not a Bargain for All

Aug 22, 2013

by Kevin Ladd

Dreamed-up in Portland Oregon and soon lauded in New Jersey, Washington, Ohio and elsewhere, the "Pay it Forward" plan could cost some folks more than simply taking out loans at 6.8%. With the plan calling for approximately $9B in start-up funds and requiring college grads to pay 3% of their income for the 24 years following graduation, only those making below a certain amount would benefit. Certainly, it would be great in the beginning and sounds easier than securing loans, but anybody looking at the big picture and planning to earn over $55K per year upon graduation should probably consider a more traditional path. As always, we recommend finding as many scholarships as possible to keep student loans to a minimum. Free money is better than either of the aforementioned options!

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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College Cost Increases Continue to Outpace Inflation

Community College Tuition & Fees Up 24% More Than Inflation Over Last 5 Years

Aug 21, 2013

by Kevin Ladd

Even community colleges across the country are increasing costs much faster than inflation, causing concern among those attempting to use what most would consider the most accessible of forms of higher education. Even with lower interest rates recently signed into law by President Obama, the costs for just about every aspect of post-secondary education continue to rise. Last year, the average cost to attend an in-state, two-year school was $3,131. That's an increase of nearly 6% over the previous year, larger than all other types of schools.

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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Merkley's "Pay it Forward" Guaranteed College Affordability Act

Dem. Senator Jeff Merkley Proposes Income-Based Loan Repayment

Aug 20, 2013

by Kevin Ladd

The new student loan bill Senator Merkley (D-Ore.) plans to introduce is a progressive idea intended to battle high loan repayment costs and hopefully restore the middle-class in the United States. The announcement of this proposal came after President Obama signed a student loan bill into law on August 9th. The new loan bill sets interest rates for undergraduate loans to the 10-year Treasury note plus 2.05% with a cap of 8.25%. While some Democrats oppose the bill as they feel Congress shouldn't "profit off the backs of students", it seems widely to be seen as an improvement over the default doubling of rates from 3.4% to a flat 6.8%. Merkley's goal is to make much bolder steps and pursue steps that more favor the middle-class and promote more affordable post-secondary education. As always, any ideas or comments you have are welcome and we will be sure to pass your ideas onto both the President and Senator Merkley!

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 Kevin Ladd

There has been a lot of talk around student loan rates over the last few months, or even the last year or two, depending on how closely you've been listening. With the rising cost of higher education and the harsh reality that most students will need to take out loans to finance at least a portion of their education, federal student loan rates are a concern for many of us. Recently, President Obama signed a student loan deal to bring rates back down from the 6.8% to which they doubled on July 1st, when Congress failed to act before the deadline. Basically, the legislation is connecting student loan interest rates to the financial markets. This offers lower rates this fall because the government can borrow money relatively cheaply at this time and is far better than the 6.8% it has been for the last several weeks.

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 Chelsea Slaughter

It’s almost time to start a new semester and getting a good head start on planning will make for a great and successful one. The more you prepare yourself, the smoother the transition will be so here are a few tips on how to prep before the fall semester begins:

  • Buying Your Books: Look up what books you will need for your classes and find out the most cost-effective way to acquire them. There's always the option to rent books or you can borrow them from someone who already took the class. (The books at your on-campus bookstore are most likely the most expensive so let that be your last option.) Also, books listed are sometimes not even used by your professor; in order to avoid wasting money, email your professors and ask if all books are necessary.
  • Choosing the Right Professors: If you are having difficulty making your fall schedule, remember the importance of choosing the right professors. I always recommend that my freshman residents look up prospective instructors on RateMyProfessors.com to decide which ones are best for them. Students leave real ratings and comments and inform others how the professors teach and grade their classes. Taking this extra step in your research can help you chose the professor that's best for your learning style.
  • Knowing the Needed Supplies: Most college supplies aren’t like the ones we needed in high school but you know the basics like paper, pens, binders and Scantron sheets will be on the list. Stock up just prior to the start of the academic year while the sales are hot – this way, you will be able to keep up with necessary tasks throughout the semester.

Always remember that failing to plan is planning to fail. If you start off on the right foot, a good semester will follow!

Chelsea Slaughter is currently a junior at Jacksonville State University majoring in communications major (public relations concentration) and minoring in art. She serves as a resident assistant on campus, serves as treasurer in the Public Relations Organization and is an active member in W.I.S.E., NAACP and Omicron Delta Kappa Honors Leadership Society. She aims to work in the entertainment industry post-graduation and is well on her way thanks to an internship with a digital marketer to several music artists. Chelsea strives to achieve all of her goals and motivate others along the way.

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 Melissa Garrett

Getting a job in college can be a good opportunity for students in financial need, taking off tuition charges or putting more spending money directly into their pockets. Although choosing a job can be a stressful decision, one of the biggest issues comes from deciding between on- or off-campus options. There are upsides and downsides to both but fortunately, it is not too hard to find out which employment choice is better for you.

On-campus jobs are definitely convenient, as they require little traveling time and transportation. Students without cars can greatly benefit from being able to walk to their job within a matter of minutes. If a student decides to do a work-study, then they may get to pay less in college costs; however, campus jobs for one’s own profit are often in short supply after work-study students have gotten their jobs. If it’s money in your pocket that you are looking for, then on-campus jobs might not be as practical.

Earning money that can be put in the bank is always a good idea and the money earned at an off-campus job can be put towards college costs just as funds from a campus job or work-study can. Bosses at jobs off-campus are sometimes less understanding of a student’s college schedule but this can often be worked out with one’s employer since businesses surrounding college campuses get many student applicants. There is also the matter of transportation, which can be an issue for students without their own cars.

Whether you decide to work on or off of your college campus, finding one isn’t really that difficult. For jobs at school, consult an on-campus career counselor who can guide you in the right direction; you can also check with your department head for a major-related position. Otherwise, search around campus for nearby shops and restaurants – if you take the time to walk in and ask for an application, the result could prove quite beneficial to your college experience!

Melissa Garrett is a sophomore at Chatham University majoring in creative writing with minors in music and business. She works as a resident assistant and is currently in the process of self-publishing several of her books. She also serves as the president of Chatham’s LGBT organization and enjoys political activism. Melissa’s ultimate goal is to become a college professor herself.

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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