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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.

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 Brittni Fitzgerald

I began my college career at Kentucky State University but after visiting Chicago State University and meeting the friendly, helpful faculty and students, I elected to transfer. Once I was settled in, I set out to find a major that actually attracted me and quickly found that in accounting. It’s a numbers game with a lot of statistics and critical thinking and I am supplementing the knowledge I’m gaining through these classes with a minor in entrepreneurship.

When I am not in class, I’m an outdoorsy person who loves to run or swim because it refreshes the body and the mind. I go the beach and barbeque a lot (well, weather-permitting in Chicago!) and enjoy reading, listening to new music, dancing, singing and – because I am such a girly girl – shopping. I am also an active member in the Student Government Association at Chicago State and spend a lot time planning campus events and activities for students. Students come to me and the organization every day with ideas, comments and questions and a major complaint that I get from many students is that they are not receiving information.

How can I get them the news they need? Glad you asked! As a virtual intern for Scholarships.com, I want to help students get more involved and aware of their campus activities. As someone who’s already a voice for students attending Chicago State, I’m excited about the opportunity to help students at other schools get the most out of their college experiences!

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 Allison Rowe

My name is Allison and I am addicted to public libraries. Call me a nerd, call me a geek, but my beloved King County Library System is ranked among the best in the nation and I plan to take full advantage of that.

According to the Seattle Times, the average citizen in King County pays about $84 in taxes each year to support library resources. That tax money is only spent in vain if you fail to cash in! Public libraries offer so many incredible resources for college students, making it possible to double or even triple your tax dollar investment.

There is the diverse array of items available for checkout. At my library (and most others), that includes books, music, movies, magazine and newspapers – and not just old dusty ones! Not everything will be physically at your library all at once, so you’ll need to place some holds but some libraries allow you to do this online. It’s like a public Netflix! Another bonus: According to an expert at KCLS, the government permits reproduction of library materials for PERSONAL USE ONLY. Nice.

Here are some more public library benefits:

  • Log on to computers with high-speed Internet, in case your apartment has shoddy wireless or your parents won’t upgrade from dial-up.
  • Classes provided to community members to develop valuable skills (speed typing, financial planning, tech basics, academic tutoring, etc.) are usually free or inexpensive. You can also offer to teach/assist and put it on your resume!
  • Use it as a quiet, comfortable place to study, read or get work done away from the distractions of your home (or Facebook).

So next time you need to feel like you’ve accomplished something productive this summer, check in to your local library and check out what services they offer!

Allison Rowe is a senior at Washington State University majoring in English and psychology. For the last two years, she has worked for her student newspaper, achieved the status of President’s honor roll every semester and academically excelled to acquire a handful of scholarships and writing awards. She dreams of moving to New York after her May 2012 graduation to dive head first into the publishing industry. In her free time, Allison enjoys cooking, game nights and psychologically thrilling movies. As a Scholarship.com virtual intern, Allison hopes to assist students in maximizing the gains of the college experience.

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

It’s that time of year again when Scholarships.com relaunches our Resolve to Evolve Scholarship. This isn’t your typical essay scholarship: The R2E (as we like to call it) is about providing students with the opportunity to move beyond finger-pointing and offer constructive criticism and workable solutions for problems facing an administration or an organization. Essays must be written in response to one of two questions; this year, they focus on the possible detrimental effects of technology on the masses and whether or not a college degree has value.

This scholarship is open to all United States citizens who are registered users of Scholarships.com, will be enrolled in high school (grades 9 through 12) during the 2011-2012 school year and will be between the ages of 13 and 19 at the time the award is given. The applicant who submits the best overall essay will receive a $2,000 scholarship. One (1) winner will also be selected from each grade level (freshman, sophomore, junior, senior) and will receive a $1,000 scholarship each.

The deadline for entries is August 15, 2011. Winners will be notified in late September and announced mid-October. For more information on this scholarship and other scholarship opportunities, conduct a free scholarship search today!

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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Long-Distance Relationships in College

How to Make Them Work Over Summer Break

May 18, 2011

by Kayla Herrera

So you met during orientation the first week of college and you two really hit it off. Fall semester flies by and the snow comes in heavy waves. Spring semester comes in like a lion and, as the leaves show themselves on the trees after a long winter's nap, you realize you are happier than ever. Now summer is here, you are staying at school to take classes and he/she is going home. What now?

This summer is the first real summer my boyfriend and I would've spent apart in different places so I've developed some tips for others in the same situation on how to deal:

  • Texting is okay – an “I love you!” on your phone when you are least expecting it is always nice – but don't overdo it with long conversations via texting. If it's important, make a phone call.
  • Give those thumbs a rest and call each other...but not every night. It will get boring and if a call is missed, someone will get mad, a fight will ensue and no one will be very happy at all.
  • Mix it up a little and use Skype – it’s nice to see a face every once in a while! My boyfriend and I set up Skype dates and we watch TV together like we used to.
  • For gaming couples, add each other as friends on Steam (an online game platform), set up times to play games together and chat while doing so.

You may miss your significant other but stay busy! Intern, volunteer, hang out with friends, spend time with your parents, study hard, whatever...it’ll make for a more productive summer and you won't be constantly checking your phone. Plus, fall semester will be here before you know it!

In addition to being a Scholarships.com virtual intern, Michigan Tech student Kayla Herrera is a media coordinator for the Michigan Tech Youth Programs, a writer for The Daily News in Iron Mountain, Mich., and a writer for Examiner.com. 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.

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 Lisa Lowdermilk

Hi everyone! My name is Lisa Lowdermilk and I live in Colorado. I just completed my Associate of Arts degree and I am transferring to the University of Colorado Denver this summer. I have completed my degree entirely online and I am transferring to UC Denver because of its online writing program. I prefer online schooling to traditional schooling because I feel it’s easier to stay organized and is more flexible. And hey, who doesn’t want to attend class in their pajamas?

I am majoring in English, specifically professional writing. I love being able to express myself through words – it is such a great way of connecting with other people – so much so that I have written a book, which I am getting published next year. It has always been my dream to be a published author and, though it’s been a lot of work, the end result will be worth it. If I had to describe my book, I would say it’s a young adult murder mystery set in the future and I’m so excited that other people will be able to read it! In addition to writing, I love to play video games, especially those for Nintendo and PlayStation. My favorite TV show is “Castle” (how many other TV shows have both murder and humor?); I also loved “Ugly Betty” and was pretty upset when it was taken off the air.

I was interested in becoming a virtual intern for Scholarships.com because I know that in today’s competitive job market, employers want workers with experience. I also like the idea of being able to help other students overcome the many obstacles of attending college...sometimes I think all the forms colleges require are more tedious than college classes!

Anyway, it’s great to “e-meet” everyone. Here’s to a great semester!

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

Here at Scholarships.com, we love the idea of students going to college debt-free but the reality is that student loans, for the most part, are a necessity in today’s educational world. And while private student loans should be a last resort when paying for college, it can help bridge the gap for families who have maxed out federal loan limits. The silver lining: Sallie Mae is lowering its interest rates on student loans.

The new cap on Sallie Mae’s rate will be 9.875 percent plus LIBOR, which is the interest rate that banks charge each other for loans. The new lowest available rate will be LIBOR plus 2 percent, which reflects a half percent rate reduction. But remember, the exact interest rate Sallie Mae assigns to a specific loan will vary depending on the borrower’s credit score and repayment option. They’re also offering students the option to make $25 monthly payments while they’re in school to counter interest costs or defer payments until graduation. Another added bonus: For loans disbursed between July 1 and Oct. 1, Sallie Mae is offering free tuition insurance for a year.

All these perks aside, Sallie Mae can’t compete with federal loans that come with a fixed rate of 6.8 percent but a cut in student loan interest rates is still a win in my book.

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 Anna Meskishvili

Personally, I think that choosing a roommate is one of the most challenging things about college. They are the ultimate lottery. But in order to pick the right roommate for you, you must first properly understand yourself.

I’m sure you have all completed (or will soon complete) some variation of the “roommate survey,” which might reveal to you a prototype of the perfect roommate but here’s a reality check: Roommates are not perfect. In order to be the best roommate you can be, evaluate yourself. Speaking from experience, I thought I wanted to be best friends with my roommate, wanted my room to be the social hot spot of the floor and didn’t care about order or rules. Turns out, when you’re busy as a bee like me and are exhausted when you come home, the last thing you want to see is a dog pile of frat boys on your bed trying to see how many grapes they can shove in their mouths. Don’t get me wrong, I work hard and play hard but I always idealized my room as a place I could go to do neither those two things.

The bottom line about choosing roommates, make sure you both are on the same page and don’t just assume you are – talk about it. This is someone you will be living four feet away from for a year and avoidance is not an option. Top issues to cover are:

  • What time do you usually go to bed? Do you need the TV on to fall asleep?
  • Do you plan on studying or partying in the room?
  • If I vacuum the room on Mondays, can you do it on Fridays?
  • Are you going to have a lot of overnight guests? Let’s make a code.
  • Do you expect me to be in the room all the time?

And before you ask your prospective roommate any of these questions, ask them to yourself. Good luck, roomie!

Anna Meskishvili is a rising senior at Boston University pursuing a Bachelor’s Degree in Public Relations at the College of Communication. She is part of Kappa Delta at BU and has loved every second of it. She is also involved in Public Relations Student Society of America and Ed on Campus. Anna was born in the Republic of Georgia and considers herself a citizen of the world because she’s lived in Russia, England, France, Brooklyn and Connecticut. She hopes to someday work in Healthcare Administration Communication. She loves to travel, run and learn.

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

High school seniors, are you down about not getting a fat envelope from any of the colleges you applied to? Worried that your college dream is quickly fading? Seriously starting to freak out?! Well, turn that frown upside down because there are hundreds of colleges that are still accepting applications.

According to a Space Availability Survey by the National Association for College Admission Counseling (NACAC), as of May 4th, 293 schools are still accepting applications. The list is comprised of schools that either didn’t fill all open spots for next year’s freshman class or have application deadlines later than the May 1 norm. "A lot of times, people think if there's any schools left, they can't be good schools," says Todd Johnson, consultant at College Admissions Partners. "It's not going to be the top liberal arts colleges or the top national universities, but there are some good, solid schools on there."

Check out a few notables below, for the full list of colleges still accepting applications, click here.

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 Kara Coleman

Hi! My name is Kara and I’m really excited about being one of the newest Scholarships.com virtual interns!

I have spent the past couple of years studying at Gadsden State Community College. I live at home with my parents and commute to school and work every day. I attend Gadsden State because it is affordable, close to my home and workplace and I don’t have to pay room and board expenses. I plan to transfer to Jacksonville State University for many of the same reasons: JSU offers everything involved in a “normal” college experience, like clubs and football games, but I can choose what to participate in while still meeting the demands of my work schedule and being able to watch my little brothers’ soccer games.

Ever since I could hold a pencil, I have loved to write. My dream has always been to write a New York Times bestseller but until that happens, I would like to have a job that involves writing. When I enrolled at Gadsden State, I declared myself as an English major. I took every literature class that Gadsden State had to offer and I even spent the past year tutoring English. At JSU, I intend to major in communications, with concentration in print journalism. I think that writing for a newspaper will give me a consistent day job while I write books on the side.

When I received the email stating that Scholarships.com was looking for virtual interns, I immediately began composing my writing sample. This opportunity will allow me to do what I love, add some bylines to my portfolio, and (hopefully!) give me some more exposure as a writer. I look forward to sharing my transfer experience and helpful hints with anyone who visits the site over the coming months. “Talk” to all of you soon!

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 Jacquelene Bennett

Hey yo! I am Jacquelene Bennett and come September, I will be a senior at the University of Redlands. I am double majoring in creative writing and government as well as minoring in religious studies – a lot of work, I know but as an aspiring writer/political journalist, I have found these subjects to be the most important and demanding issues in today’s world. Plus, these subjects (and the classes that accompany them) are intensely thought-provoking and fun; in fact, last semester, I wrote a short story about Marilyn Monroe for my fiction workshop!

I chose the University of Redlands mainly for its location. Born and raised in Southern California, I wanted to go to a school that was both close to home but far away enough that I could have a true “college experience.” Also, the U of R is in the heart of SoCal, so I am literally just an hour away (actual timing really depends on traffic here) from Los Angeles, San Diego, Disneyland, the Santa Monica Pier and Joshua Tree National Park. Since I began attending school, however, I have found the campus itself to be a treasure trove of beautiful scenery, fun events and wonderful people. True story: The U of R is one of only three California universities to be named a “Tree Campus” by the Arbor Day Foundation.

As I find myself getting closer and closer to graduation, I find that I have less and less spare time but in the rare moments that I am free, I like to listen to music, catch up on celebrity gossip and eat gummy bears and Fruit Gushers. Also, I like to say "cool beans."

From my freshman year up until now, I have built a repertoire of college knowledge and experiences just hoping that I would one day have the opportunity to share it with other people of the world. Well, it looks like that day has come and I am psyched!

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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