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by Chelsea Slaughter

Summer classes are great for getting ahead or catching back up if you’ve fallen behind. They aren’t for everyone, though, so when deciding on extra courses for the summer, keep these factors in mind:

  • Financial Aid: An important factor is whether or not you can financially afford to take summer classes. When I was a freshman, I was able to take two summer courses using a summer Pell grant but unfortunately, that option is no longer available. Summer financial aid is included in your fall/spring aid year so if you use your loan money in entirety during the fall and spring, then you may not have any left for summer classes. Check with your campus financial aid office to get the most current information and payment alternatives.
  • Class Location: You do not have to live near your university or stay on campus to take a summer class. You could take a course at a nearby university while living at home – just go to your admissions office to fill out the necessary paperwork to complete this. Online classes are also always an option; there may be a price difference between online and traditional in-person courses so be sure to check that before signing up.
  • Time Spent in Class: My university has a breakdown of three short semesters during the summer that last one month each. I took two “Maymester” classes and we were in class for almost three hours a day Monday through Thursday; I found this easy because the professors taught only the needed information without the extra projects that usually fill up a semester. Not all universities have this option so check with your advisers on the different summer class options.

The academic year is almost over so if you are interested in continuing your coursework this summer, get informed and determine if summer classes are right for you!

Chelsea Slaughter is currently a junior at Jacksonville State University majoring in communications (public relations concentration) and minoring in art. She serves as a resident assistant on campus, is the 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 Suada Kolovic

Looking for a competitive edge when applying for that minimum-wage barista position at your local coffee shop? Turns out your newly minted bachelor’s degree might just be the edge they’re looking for.

According to the U.S. Labor Department, there were about 284,000 college graduates working minimum-wage jobs in 2012, including 37,000 with advanced degrees. Surprisingly, that’s down from 2010’s peak of 327,000 but up 70 percent from a decade earlier. And with many college graduates saddled with crippling student loan debt, it’s no wonder they’re accepting positions that are low-paying and low-skilled.

Of the 41.7 million working 2010 college graduates, about 48 percent work jobs that require less than a bachelor’s degree and 38 percent of those polled didn’t even need a high school diploma. Why the surge of low-paying jobs? Three-fifths of the jobs lost during the recession that paid middle-income wages have been replaced with the low-wage variety, according to the National Employment Law Project. (For more on this report, click here.)

To our college student readers, does this report alter your perspective on getting a college education? Why or why not?

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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by Katlyn Clark

As admissions decisions begin to roll in, high school seniors are weighing their college options. In addition to financial aid packages, programs offered and distance from home, school type – public or private – is an important factor to consider.

If you’re thinking about attending a public university, consider these facts:

I was automatically drawn to private schools (Campbell specifically) because I was not interested in any of the public schools in North Carolina. If you want to go to a private school, here are some points to ponder:

Before you submit an enrollment deposit, I hope that you take a moment to consider these factors and do some deeper research. If you have any questions for me about what it's like attending Campbell or a private school in general, please shoot me a comment!

Katlyn Clark is a freshman at Campbell University majoring in journalism and minoring in marketing. She hopes to become a broadcast journalist for entertainment or write for a magazine such as People or Seventeen. In her spare time, Katlyn loves to hang out with friends and family and watch sports; she is a Christian who is so thankful for God’s many blessings in her life. Katlyn is from Elizabeth City, North Carolina and loves Tim Tebow, Pinterest, the WWE and cats.

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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by Suada Kolovic

The University of Chicago has recently announced the launch of UChicago Promise, an initiative aimed at helping high school students in the city of Chicago gain admission, pay for and succeed in college. The cornerstone of the program is the commitment from the university to eliminate loans from financial aid packages of students from Chicago who are admitted.

“Chicago, from our pre-schools to our world-renowned universities, is committed to ensuring that every child has access to a high-quality education,” said Mayor Rahm Emanuel. “The step taken today by the University of Chicago is a creative step that will help many of Chicago’s own achieve their goals and graduate without a financial burden.”

In addition to replacing loans with grants and other nonrepayable student aid, UChicago Promise includes an automatic waiver of the University’s application fee and offers a wide array of support and mentoring programs for aspiring college students. The initiative will take effect for those applying this year and will not be available to students with existing loans or who have already matriculated.

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

Recently, 22-year-old Taylor Cotter published an article on The Huffington Post about her success since she graduated from college in May. The odd thing about Cotter’s piece is that she doesn’t take the angle of a success story in a struggling economy – she feels that she should be struggling more!

Cotter talks about how many of her friends are working part-time jobs, living at home with their parents and/or having diets consisting mostly of Ramen; she feels that she is missing out on the post-college twentysomething life by having a ‘real job’ and a 401(k). Some readers – including myself – are appalled by Cotter’s tone. It seems to me that it would be the dream of every college student to find a full-time job directly after graduation but Cotter almost seems remorseful that she made herself marketable to companies who would hire her.

I have been living at home with my parents and working part-time jobs ranging from lifeguarding to tutoring to retail over the past few years to supplement educational costs. Now that I am preparing to move into an apartment with my friends next month, I know full well that I’ll be eating my fair share of peanut butter sandwiches and cereal; while I’m excited to begin this next phase of my life, I’m more so look forward to the day when I have a full-time job – the same situation Cotter is essentially complaining about.

Isn’t that what college is for? Teaching us how to go from being dependent children to self-supporting adults? Or I could be wrong: Maybe it’s a time to either live with your parents or eat Ramen noodles. What do YOU think?

Kara Coleman graduated from Gadsden State Community College with an Associate of Arts degree and 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; she is also the editor-in-chief of JSU's student newspaper, The Chanticleer.

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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Duncan to College Applicants: "Shop Around"

Ed Sec Says Comparing More Schools Will Lead to More Informed College Choices

Jul 3, 2012

by Alexis Mattera

In the epic battle between quality versus quantity, it's the former that usually prevails but Arne Duncan has a slightly different proposal for soon-to-be college students: increase the quantity of schools you consider in order to find the best quality fit.

Though the annual Higher Education Research Institute survey reported that students are already employing that approach (just 12 percent of first-time, full-time freshmen applied to only one college in 2011), Education Secretary Duncan believes that too many students are making their college choices based on distance from home rather than price, majors and other factors vital to college completion and future success. He feels that if students apply to more schools and compare financial aid packages, they'll find the school and program that's right for them. But not everyone is buying into his "shop around" proposal. Lloyd Thacker, director of the admissions reform group Education Conservancy, said, "The problem with the admissions process is it's become too much like a transaction or consumer process, and less like an investment in education ... I'm not saying what he's doing is necessarily wrong but you need to be very thoughtful that good intentions are tied to sound research.”

Check out the full Inside Higher Ed article here and let us know what you think. Are you ready to go shopping with Duncan or will you be taking a different approach when applying to college?

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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Recent Grads, Pack Your Bags!

Towns Lure Young Professionals with Debt Repayment, Tax Waivers

Jun 14, 2012

by Alexis Mattera

Armed with degrees in their fields of choice, newly-minted college grads have the world at their fingertips...and, often, student loan payments lurking right around the corner. The job market isn’t what it used to be so what’s a recent grad to do to keep collectors at bay? A change of address may be in order.

Communities across the country are attempting to attract young professionals by offering incentives like paying down college loans and income tax waivers if they become full-time residents of specific cities or counties. Niagara Falls is putting an initial $200,000 behind the idea to, according to director of community development Seth Piccirillo, bring back the talent and brain power the city has lost over the last 50 years. (Here, graduates who have earned a two- or four-year degree or a graduate degree in the past two years can apply for up to $3,500 a year for two years towards repayment of their student loans.) Farther west in Kansas, 50 counties have established Rural Opportunity Zones (ROZs) authorized to offer the following financial incentives to new full-time residents: income tax waivers for up to five years and/or student loan repayments up to $15,000. To date, program manager Chris Harris has received 338 applications – 75 percent of which have qualified for one or both incentives.

Read more about the current incentive plans here - would you relocate to one of these areas in exchange for the incentives listed?

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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by Suada Kolovic

If you’re a recent high school graduate, chances are you’re looking forward to the surge of independence that comes with becoming a college freshman. And while anticipating all the excitement that comes with entering college – meeting new people, establishing a home away from home, sleeping in until noon, etc. – establishing how you’re going to pay for it is an entirely different story. Here at Scholarships.com, we encourage students to apply for scholarships early and often but taking out student loans might be inevitable. With that being said, knowing what questions you should ask your student loan servicer might ease the transition and U.S. News and World Report has done some of the legwork for you by compiling a list of helpful questions that financial aid officers, student loan counselors and former lenders recommend you ask:

  • When exactly will my payments begin?
  • Do you have my current contact information on file?
  • What is my interest rate?
  • Is my interest rate competitive?
  • Is there any way to get an interest rate reduction?
  • Is consolidating my loans a good option for me?
  • How do I qualify for Interest-Based Repayment or Income-Contingent Repayment?
  • Do I qualify for an economic hardship deferment?
  • What happens if I lose my job?
  • If I go back to graduate school, what are my loan options?

Can you think of any other questions you’d like answers to? If so, feel free to let us know 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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by Suada Kolovic

The notion that those who are well-educated are safeguarded from bleak employment rates doesn’t seem to hold true anymore: According to the National Association for Law Placement, recent law graduates face employment rates that have fallen to the lowest level since 1994.

Only 85.6 percent of 2011 law school graduates (whose employment status was known) had jobs nine months after leaving school – two percentage points lower than the employment levels of the 2010 graduates. Now that may not be reason to sound the alarm, but only 65.4 percent of 2011 graduates had jobs that required passing the bar exam. Ding! Ding!

"For members of the Class of 2011, caught as they were in the worst of the recession...the entry-level job market can only be described as brutal," the association's executive director James G. Leipold said in a written statement. "When this class took their LSATs and applied for law school, there were no signs that the legal economic boom was showing any signs of slowing and yet by the time they graduated, they faced what was arguably the worst entry-level legal-employment market in more than 30 years."

Future law students in the audience, what do you think of the news? With a law degree no longer translating into instant financial security, are you reconsidering your educational path?

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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by Jessica Seals

Throughout my undergraduate career, I was lucky enough to be the recipient of scholarships and grants that helped cover my tuition and other fees. Thousands of other college students across the country also rely on this free money to pay for their education and we should all be taking note of the fact that many financial aid options that we have to help pay for college are being eliminated or being heavily restricted. For example, two years ago I was able to take summer classes and receive a Pell Grant because the government allowed students to receive it during the fall, spring and summer semesters. Now, students are only eligible to receive the grant two semesters out of the year which means that a student cannot put the funds toward summer classes if they’ve already applied them to the fall and spring semesters for that academic year.

Many people already decide not to enroll in college because they do not feel like they can afford it. Cutting down on the usage of the Pell Grant can force many students to skip summer classes and send them down a slippery slope, as more students will be forced to stay in school longer and accrue more debt from student loans. Classrooms will become emptier during summer sessions and colleges hard-pressed for funds could raise tuition to compensate. The problem will continue to spiral out of control and lead to more reasons why people opt out of attending college.

We all should become more aware of the decreases that are being made towards higher education spending. The changes affect all of us and if we can all become aware of them, we’ll be able to take (and guide others along) the necessary route to make sure that paying for school is a lot less stressful.

Jessica Seals is recent graduate of the University of Memphis, where she majored in political science and minored in English. She was 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. Jessica will be back at Memphis this fall to begin working toward her master’s degree in political science this fall; she ultimately hopes to attend law school.

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 More Financial Aid Info? Help is On the Way!

Ten Schools Commit to More Financial Aid Disclosure

Jun 6, 2012

by Alexis Mattera

With student loan debt now totaling more than $1 trillion, current and would-be college students need access to financial aid information more than ever before. The good news is that universities across the country are doing their best to make the facts as clear and available as possible in the near future.

Ten schools – Arizona State, Miami Dade College, North Carolina A&T State University, Syracuse, UNC Chapel Hill, Vassar and the state university systems in Maryland, Massachusetts, New York and Texas – have committed to providing key funding information to all incoming students as part of their financial aid packages starting in the 2013-14 school year. The details will include the cost of one year of college, financial aid options such as grants and scholarships, estimated monthly payments after graduation on federal student loans and comparative data about graduation and loan repayment rates. According to the White House, this disclosure will play a vital role in making college more affordable for all students: "Too often, students and families face confusion when comparing financial aid packages, some of which do not clearly differentiate loans from grants, nor distinguish private vs. federal loans, making it difficult to compare aid offers side-by-side. Clarity and accessibility of information is necessary so that students and families can make informed decisions about where to attend college, so they can choose a school that is best suited to their financial and educational goals."

What do you think of this plan? Do you think it will help students better understand financial aid or is the effort too little and too late?

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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