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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.

As my bio states, I am a Spanish major...and I love it! If you’re considering majoring in a foreign language, here are some helpful tips:

• It’s time intensive. Foreign languages are about memorizing and practice, practice, practice. If you aren’t willing to put in time – and a lot of it – this may not be the path for you. Also, professors like to assign many small tasks with intermittent bigger ones so if you’re one to only focus on the big pictures, you’ll be challenged with what you might think is ‘busy work’. (It’s not, though...it’s crazy useful.)
• You should study abroad. I highly recommend a language-intensive study abroad for anyone majoring in a foreign language. (Side note: Wofford’s Foreign Language Department is now called Modern Languages because “Foreign” was too alienating and encouraged a cultural divide. Just some food for thought...) I loved studying in Chile for a semester and knowing Spanish definitely helped. Also, studying abroad is essentially required to major in another language at many colleges and universities: I know Wofford’s program helped me tremendously and it also wound up being cheaper than a semester on campus!
• It’s incredibly helpful in life. I know that because I’m bilingual, I’ll be more desired in the job market (some jobs more than others), but it also helps with learning other languages. Similar to computer languages, once you know one, the others become easier to learn.
• It’s a one-stop shop. Language courses cover history, humanities, public speaking, writing, team-based work as well as the actual language you are learning. Hate talking in front of crowds? Work on that but also present in another language. Not the best in research? Now work on writing a huge thesis in Spanish (at least I did when in Chile). Overall, the language aspect is the bare minimum of what you learn or accomplish. Being a foreign language major makes you into a well-rounded, practiced individual with skills that many graduates won’t get from other majors.
• It broadens your world view. As a foreign language major, you learn very quickly that the United States isn’t everything and that the world needs its diversity and cultural mix to work and function. Foreign language majors have wider scopes than most people and a leg up on the competition in all aspects of life because they can view problems with more open minds and approach challenges from different angles.

So I urge you to consider a major (or even a minor) in another language. You won’t regret it: They’re easy to double major with and you’ll emerge a better person!

Mike Sheffey is a senior at Wofford College double majoring in computer science and Spanish. He loves all things music and photography. Mike works for an on-campus sports broadcasting company as well as the music news blog PropertyOfZack.com. He also works with several friends to promote concerts and shows in Greensboro, NC. 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.

Here at Scholarships.com, we make a point to advocate the importance of funding your college education the right way (for free!) and while financing your higher education solely with scholarships is an amazing feat, there is another factor to consider: colleges with no tuition to be begin with. Yup, they totally exist – check out the 11 colleges below where you can earn a degree for free:

• Alice Lloyd College
• Berea College
• Deep Springs College
• Curtis Institute of Music
• Webb Institute
• Macaulay Honors College at the City University of New York
• Barclay College
• U.S. Military, Naval, Air Force and Coast Guard academies

We should also mention that elite universities with healthy endowments also tout financial aid programs that pay 100 percent of tuition, room and board and fees for students from families with certain incomes – $75,000 or less at MIT, $65,000 or less at Harvard and Yale, and $60,000 of less at Columbia, Cornell, Stanford, Duke, Brown and Texas A&M. For a more detailed look at any of the schools listed or hundreds of other universities, check out our College Search. And let us know where you’re heading this fall in the comments section!

‘Tis the season for discount digging. With the holidays just a mere two weeks away, many people have gift-giving on the brain so it should come as no surprise that everyone’s on the hunt for rock-bottom prices. And whether you’re in the market for a new textured wrap sweater (who isn’t?!), the latest Apple gadget or even a shiny new law degree, you’re in luck! Yup, that’s right future litigators: Law school is officially on sale in Iowa.

The University of Iowa College of Law has approved a 16.4-percent tuition cut for both in-state and out-of-state students. Beginning in the fall of 2014, Iowa residents will pay $21,965 in tuition – a $4,309 reduction – while nonresidents will see tuition fall by $7,750 to $39,500. Why the discount? Turns out that despite being ranked 26th nationally by U.S. News & World Report, enrollment for the law school has steadily declined since 2010. Law Dean Gail Agrawal admits that the tuition reduction is intended, in part, to help the law school compete for applicants and students who are increasingly concerned with cost and debt loads. “We want to take a leading role in the evolving face of legal education and ensure our place as a best value proposition among the top public law schools,” she said. Keep in mind that the University of Iowa isn’t the only law school bargain out there: The University of Arizona’s James E. Rogers College of Law, the University of Akron School of Law, the University of Cincinnati College of Law and Ohio Northern University’s Pettit College of Law have all announced tuition cuts in the past year.

Law school hopefuls, is discounted tuition enough for you to consider a school despite the current weak legal market? Let us know your thoughts in the comments section.

With all this talk about possible Pell Grant cuts, acceptance rates plummeting and universities facing serious tuition hikes, which schools are worth the outrageous sticker price of about $200,000? According to PayScale.com’s annual survey of colleges with the highest return on investment rates, Harvey Mudd College tops the list with a 8.8% annual return. PayScale.com’s data is pulled from 1.4 million pay reports from persons who obtained bachelor's degrees in the last 20 years, for more on their methodology click here. Check out who made the cut below:

• Harvey Mudd College

  2013 cost: $229,500
  20-year net ROI: $980,900
  Annual ROI: 8.8%
  

• California Institute of Technology

  2013 cost: $220,400
  20-year net return on investment: $837,600
  Annual return on investment: 8.3%
  

• Massachusetts Institute of Technology

  2013 cost: $220,400
  20-year net return on investment: $837,600
  Annual return on investment: 8.3%
  

• Stanford University

  2013 cost: $236,300
  20-year net ROI: $789,500
  Annual ROI: 7.8%
  

• Colorado School of Mines (In-State)

  2013 cost: $114,200
  20-year net ROI: $783,400
  Annual ROI: 7.8%
  

• Georgia Institute of Technology

  2013 cost: $92,250
  20-year net ROI: $755,600
  Annual ROI: 11.9%
  

• Rose-Hulman Institute of Technology (RHIT)

  2013 cost: $217,400
  20-year net ROI: $736,200
  Annual ROI: 7.8%
  

• Polytechnic Institute of New York University (NYC-Poly)

  2013 cost: $223,900
  20-year net ROI: $724,500
  Annual ROI: 7.7%
  

• Stevens Institute of Technology

  2013 cost: $250,900
  20-year net ROI: $722,400
  Annual ROI: 7.2%
  

• Colorado School of Mines (Out-of-State)

  2013 cost: $178,500
  20-year net ROI: $719,000
  Annual ROI: 8.6%
  

Immigration disputes have long commanded top billing when it comes to our nation’s political agenda but as of late, it’s begun seeping into the educational realm as well: The state of Arizona has filed a lawsuit to block one of the nation’s largest community college systems from providing in-state tuition to young immigrants granted deferred deportation by the Obama administration.

Arizona officials insist that extending reduced tuition to those youths violates state law, which prohibits any immigrant without legal status from receiving public benefits. Meanwhile, college officials argue that lower rates were instated in September after concluding that work permits were already on the state’s list of documents needed to prove legal residency. With potentially thousands of individuals in limbo, the Arizona Board of Regents is looking into ways to lower tuition for these students without violating state law. Board members sent a letter to Arizona Senator John McCain and Senator Jeff Flake that, in part, read, “With Arizona at the forefront of the immigration reform debate, we routinely hear from hard-working, high-achieving undocumented students who have been brought to Arizona at a young age and have advanced through our K-12 system only to have their ability to further their education and contribute positively to our economy and society hindered by state and federal immigration laws." (For more on this story, click here.)

At least 13 states allow students who have lived in the county for many years without legal status to pay in-state tuition so what do you make of Arizona’s legal action to put an end to it? Do you support the decision or oppose it? Let us know in the comments section.

The Illinois State University Center for the Study of Education Policy released its annual report on state tax support for higher education today.  According to the Grapevine report, the best case scenario is that for fiscal year 2008-2009 (July 1, 2008-June 30, 2009), state higher education spending grew by an average of 0.9 percent across the country.  The report acknowledges this figure is likely rather optimistic, as many states are still in the process of trimming budgets for the current fiscal year, and some are requesting that colleges not spend appropriations they've already received.

While almost flat growth in state spending nationwide is bad enough, the picture looks even worse compared to last year's growth of 7.5 percent, the largest year-to-year increase in higher education spending since 1985.  Some states have cut education spending significantly, such as South Carolina and Alabama, whose state education budgets have seen decreases of 17.7 percent and 10.5 percent respectively.  Some states still are showing substantial increases in higher ed spending for the current year.  The two biggest increases, in Wyoming and Hawaii, are 10.9 and 10.6 percent.

Coupled with shrinking endowments and more student requests for financial aid, this news isn't good for state colleges and universities.  Tuition increases, including some substantial ones, are becoming increasingly likely for 2009-2010, despite families' increasing inability to pay for school out of pocket or access lines of credit such as private student loans.  This is yet another reason to fill out a FAFSA and do a scholarship search today.

While the focus for many students right now is planning for and paying for the next year of college, some students are still struggling with bills from the current or previous semester.  An e-mail survey by the American Association of Collegiate Registrars and Admissions Officers reports a perceived increase in unpaid tuition bills in the 2008-2009 academic year.  While being caught short on one semester's tuition can seem stressful enough, it can carry serious consequences for college students.

For students with the funds to easily cover tuition, either through family income, college savings plans, or financial aid awards, the figure on their bursar bill may be unpleasant, but it is soon forgotten.  However, carrying a bursar balance--in some cases, even a small one--can cut off your ability to register for classes, request transcripts, and even graduate, among other consequences.  Students who are unable to pay for a semester by the school's deadline may even find themselves dropped from their classes and kicked off campus.  These consequences can essentially derail your education, and many students who take a semester off from college to save money and pay off bills never go back to finish.

Luckily, as Kim Clark stresses in an article on the subject in U.S. News and World Report, universities are willing to work with students to keep them enrolled and get their bills paid, especially in the current economic climate.  Many schools are establishing or adding to emergency loan and grant funds to help students stay in school.  Federal student financial aid is also still available mid-term.  You can still complete the FAFSA for 2008-2009 anytime before June 30.  Even if you've already applied for the current year, talking to the financial aid office could still come through big time, especially if your circumstances have changed. Federal grants, as well as some campus-based programs may be available to students whose family contributions have significantly dipped.  While Clark's article emphasizes the surprising success networking and asking family for donations can bring, conducting a scholarship search may be a safer bet. Most importantly, be sure to stay in communication with your school. You may have to deal with three different offices on campus, but don't get discouraged.  The process may be more streamlined than you'd expect.  It is possible to stay enrolled regardless of the financial troubles you're facing.

College and university endowments plunged an average of 23 percent between July 1 and November 30 in 2008, with many sustaining further losses since then.  While almost everyone who's been reading higher education news or attending college knows that endowments have dropped, the depth and the breadth of the damage has largely been left to the realm of speculation.

Endowment losses had become a hot topic at some schools, including the one my youngest sister attends, even before the release of this study.  Undergraduate students previously unaware that colleges even have investments are worrying about the (admittedly slim) chance of their schools' investment funds disappearing, taking their scholarships, their degree programs, or their favorite instructors with them.  While such drastic cuts have not been made, schools are facing very real struggles to preserve their staff, their services, and their endowments in the face of a still-deepening recession.

The extent of losses varies, as does the extent of reactions to losses.  Several universities have instituted hiring freezes, while others have resorted to layoffs or mandatory unpaid furloughs.  Brandeis University and the University of Pennsylvania have both made unpopular moves to cut budgets. Penn has done so by cutting 18 campus museum staff positions, and Brandeis has announced plans to close the institution's art museum entirely and sell its collection. Some state universities battling shrinking endowments and drastic cuts to state funds have been forced to look at double-digit tuition increases.

Still other schools are making almost opposite responses.  Some institutions are looking into freezing tuition or increasing it by small amounts, such as Princeton University, which has announced a tuition increase of only 2.9 percent for 2009-2010.  Others are hiring new faculty as planned or launching additional searches, hoping to attract stronger talent.  Many schools are also increasing student financial aid to help families hit hard by the recession.  Even schools making budget cuts are reluctant to touch financial aid, recognizing its importance.  However, fears remain that students who need money for college may be unable to find it from their schools.  Whether these fears are justified remains to be seen, though many hope that the proposed economic stimulus package will allow schools to continue to fully fund or even expand essential programs.

The loss in funding faced by state and community colleges this year may not be a one-time thing.  A report issued this week by the State Higher Education Executive Officers (SHEEO) indicates that state budget cuts to higher education made during recessions tend to become permanent.  With many attempting to eliminate multi-billion dollar budget shortfalls, cuts to education are almost certain to happen across the country, and based on data collected by SHEEO, they are likely to continue into the future.

Per-student state higher education spending peaked in 2001, when it hit the highest level in inflation-adjusted dollars since data was first collected in 1983.  A recession in 2001 prompted drops in education spending that continued until 2006, when spending began to grow again until 2008, though per-student funding did not return to 2001 levels before another recession interfered.

In response to cuts in funding of around 7 percent between 1998 and 2008 and increases in enrollment of around 25 percent over the same period, tuition revenue has risen 20 percent.  The report suggests this trend is likely to continue, with funding potentially falling off permanently and tuition hikes continuing as a result of this year's budget cuts.  Thus, the burden is passed on to already cash-strapped students and families, who are already facing the prospect of needing more student loans due to losses of income and declines in college savings plans.

The SHEEO expressed hope that the stimulus package currently moving through Congress might mitigate this effect.  However, the version passed yesterday by the Senate eliminated billions of dollars that would have gone to offset state budget cuts, so the positive impact on higher education could be less than is hoped.  Additionally, members of Congress have expressed frustration with rising tuition rates, especially given tuition's likelihood to continue to outpace increases in Federal Pell Grants, such as the new funding currently included in the stimulus.