Category Archives: Guest Posts

college prep, Guest Posts

There’s an AP For That: 3 Burning Questions About the Right Prep Classes for College… Answered!

 

prep classes

Sometimes between all the test prep and soccer games and essay-writing, it’s easy to forget that, at the core of it all, the most important factor on a college application is the high school transcript. While test scores, essays and extracurricular achievements are all taken very seriously, the transcript is still the basis for all decision making by admissions officers. Here’s how to ensure that your child is making the most of their time in the classroom:

Is it better to take higher level courses or to ace lower level ones?  

One question that continues to loom for well-meaning parents is whether to push their children into higher level courses, with the possibility that an accelerated class will mean a lower grade. Obviously, the first thing a parent has to do is take into account the real achievement level of their student—but the answer to this conundrum may not be exactly what you might think.

Admissions officers definitely take into account the idea that a student is stretching his or her boundaries when it comes to academics. Therefore, when matching two applicants side by side, if one received all A grades but in lower level classes while the other had A and B grades in advanced classes, the student with advanced classes would always have the advantage. That being said, if your child is taking advanced level classes and getting a C, the supposed advantage is no longer viable. You need to be realistic when it comes to course load and what a student can handle. Ultimately, it’s always best to take classes that stretch the mind (but don’t break it!).

Broad spectrum or laser-like focus?

Another aspect of the application process that is misunderstood is whether there is a need to demonstrate widespread learning or to show talent in one area.

My father used to say that there are only two ways a person can learn:
“Either you can learn more and more about less and less, until you know everything about nothing, or you can learn less and less about more and more until you know nothing about everything.”

In the case of college admissions, it’s much better to know more about less. It’s a little counterintuitive, because many feel that presenting a broad cross-section of talents is good for a transcript. While that’s true, it is only the case if a student can prove he or she is actually adept at these things, and not just dabbling for the sake of a diversified portfolio.

It is not clever to suddenly have your teen filled with seemingly disparate classes and extracurriculars in his or her junior year, with the hope of “fooling” an admissions officer into thinking that they have a larger base of knowledge or experiences. No one is fooled. Ever. A sudden interest in clarinet, Judo, Mandarin and Habitat for Humanity is a dead giveaway.

Instead, have your student focus in one area where he or she has real skill and can build up expertise. If your child is into history, allow that interest to blossom and deepen and perhaps turn into independent study by serving as a History Club officer, or taking AP American History, AP European History and AP World History. A student with a clear focus like that is attractive to a university—it is a narrative about a particular aspect of an applicant’s personality that gives him or her a specific appeal. On the other hand, someone who looks like a dilettante will be difficult to pin down by an admissions officer looking for a reason to accept.

What if the “right” classes aren’t being offered?

Get creative—often, it’s hard to have your teen take the right classes because of scheduling conflicts or the fact that they are not offered at their high school. Fear not! Look around at summer programs as well as toward local community colleges. It is easier than you might think for your student to start earning college credit. Ask academic advisors at your child’s high school to see if it makes sense to (for example) take pre-calc over the summer in order to be able to take calculus senior year.  

The rule of thumb:

Working hard in one discipline is the best representation of a student’s skill and college preparedness. Yes, tests are important, and it’s crucial to have a base of knowledge, but never try to twist the system, and your child will always be on the right path. That means have them take the highest level prep classes they can and learn as much as possible in them, working toward their actual strengths. Your child will be happier, admissions will take notice, and he or she will be able to achieve more in college, too.

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About the Author

Ryan Hickey is the Managing Editor of Peterson’s & EssayEdge and is an expert in many aspects of college, graduate and professional admissions. A graduate of Yale University, Ryan has worked in various admissions capacities for nearly a decade, including writing test-prep material for the SAT, AP exams, and TOEFL; editing essays and personal statements; and consulting directly with applicants.

admissions, college guidance, college planning, college prep, Guest Posts

Don’t Let the Wrong Things Stand in the Way of Your Child’s College Dreams

 

college dreams

What are your student’s college dreams?

There are many reasons your child may not get into a specific college—but you should never be one of them.

Sometimes it simply comes down to other applicants being more qualified—whether that be through grades or extracurriculars, maturity level or how admissions officers feel a student will jibe with the university, its mission and the makeup of its incoming class.

But there are many external roadblocks we put on our children that can limit them. Here are three of the most common—and the most detrimental.

  1. Show me… money!

Of course, tuition is astronomically expensive, and no one wants to saddle their child with the huge debts that have been the bane of the current generation of post-grads. That being said, there are always scholarships and fellowships available to people with the right skill level.

If your student has a high level of achievement and is looking toward a trajectory that seems like it will break your bank, start your research on these opportunities early—at least a year in advance of application dates. Many scholarship applications are hard work and require essays, financial statements and recommendation letters.   

College counselors may be able to help outline solutions too, and there are also a great many free college fairs around the country. Check out the calendars for these, because they not only have people there as representatives of major universities, they also have resources to help your student find the financial aid that is necessary for him or her to achieve a college dream.

In the end, if you have to go with loans, don’t fret… it’s possible that all will be forgiven sometime soon!

  1. But where in the world is it?

Many students (and parents) get hung up on staying close to home, with friends, or in a warmer clime. Encourage your student to look deeper into the kind of education they will receive, rather than whether it gets too far below zero (at say the University of Minnesota). What you know (that they likely do not) is that four years is not a long time. Your child can always return to the bosom of the family, or back to sunny California, once they have a solid degree in hand. But who knows—maybe ice fishing will become a favorite new hobby.

  1. I don’t know where I want to go!

Another common roadblock to finding the right university is too many choices when it comes to the future. It’s important to sit down with your child and have a conversation about what they want in a school, even if they keep saying “I dunno.” Keep in mind there is no perfect place and there are many “right” schools to choose from. I know it seems like a massive decision, but it’s one you can get wrong and not suffer too much—a student can always transfer if things don’t work out.

Here are some areas to focus on to help your child whittle down their list of potential schools:

  • Size of school: Would they be excited about the opportunities of a large campus or prefer the individualized instruction of a smaller school?
  • Faculty: Look up the achievements of the professors in certain areas that might interest your son or daughter. Keep in mind elite professors may be on sabbaticals, but it demonstrates a level of commitment to a specific subject at a university. Research opportunities are another part of this. Is the University participating in cutting-edge research in an area that is exciting to your young student?
  • Extracurriculars: Actively investigate where extracurriculars that interest your child are strongest. This will be part of finding the right fit. See if clubs, athletics or performance groups have a high level of achievement.
  • Study Abroad Possibilities: Is this something your student wants to pursue? Make sure the options are available.
  • Post-Graduate Opportunities: It’s much easier to get into grad school at the university where you receive your bachelor’s. If your child is on a path that requires this kind of education, see if this added criteria helps make a choice of where to apply.

Ultimately, it’s imperative to give students the latitude to make their own decisions based entirely on their qualifications for college rather than on any other factor. Everything else can be figured out. Remember, where there’s a will, there’s a way.

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About the Author

Ryan Hickey is the Managing Editor of Petersons and EssayEdge and is an expert in many aspects of college, graduate, and professional admissions. A graduate of Yale University, Ryan has worked in various admissions capacities for nearly a decade, including writing test-prep material for the SAT, AP exams, and TOEFL, editing essays and personal statements, and consulting directly with applicants.

essays, Guest Posts, scholarships

Online Resources to Craft a Great Scholarship Essay

 

 

scholarship essay

Writing an essay is always a challenge. You need to come up with a great idea, organize your thoughts into a concise, easy to follow structure, find supporting resources, and find the right words to make it all make sense. When you are writing an essay for a scholarship, it can be even trickier. There’s more on the line. These online resources will help you write a thoughtful scholarship essay to give you the best chance of success.

Essay Punch

Essay Punch is an interactive tutorial that takes students through all parts of the academic essay writing process. You will work with writing prompts to practice the organizing, writing, editing, and publishing stages of the process.

Thesis Builder

Your thesis is arguably the most important part of your essay. Without a strong thesis, the rest of the paper cannot take shape. And if your thesis isn’t well supported, your paper will likely fall flat. So, it’s very important that you construct a strong, easy to defend thesis. Thesis Builder will take your topic and help you come up with a great thesis.

Ask Petersen

Julie Petersen is an ESL tutor with an awesome website to help writers at all stages of the writing process. The website features educational articles, sample essays, study guides, and tools to help you succeed. There’s also a blog that offers writing tips and student life hacks. So, once your essay gets you into college, you can continue to flourish.

Help.PlagTracker

PlagTracker will make sure your scholarship essay is completely free of plagiarism. If you used any sources as references, even if they were re-written in your own words, it’s possible that the similarities will still be strong and show up as plagiarism. PlagTracker eliminates these sentences and replaces them with original content so your essay is 100% you own.

Step By Step Essay Writing Guide

Imagine that you’re stressed, extremely busy, and panicking because your essay is due tomorrow and you haven’t started yet! If this is the case, head over to EssayMama blog, and read their step-by-step guide to composing an essay in a pinch.

Teen Ink

This online magazine features articles and essays written by students. You can find fiction, non-fiction, and poetry. Use the site for inspiration for your own essay ideas or become a contributor.

Hemingway Editor

When you are writing a scholarship essay, it might be tempting to write long, eloquent sentences to show off your intelligence. This can easily backfire and can actually make it hard for your readers to understand your writing. Hemingway Editor will scan your document to make it readable. It will find any confusing or long sentences so you can re-write them. It will also point out instances of passive voice so you can change them to a more assertive active voice.

Citation Machine

When you’re writing an academic essay, you need to include references to show your research. But creating the references page is time-consuming and tedious work. Citation Machine can easily build your reference page for you. All you need to do is choose your citations style and medium and enter the data in the pre-determined fields.

 Writing.com

Become a member of Writing.com (for free!) and you’ll be able to make an online writing profile, get writing tips, and receive feedback on your writing from other members. There are also contests and writing activities to keep you motivated and help improve your writing.

Do you feel better prepared to go out and write that killer scholarship essay? I hope so! Don’t expect the process to be easy. There will be bumps along the way. You’ll get frustrated and want to quit. But remember that there are tools, tutors, and other students to help you through the process and keep you focused. Visit one or more of these sites for inspiration, organization, advice, samples essays, and even one-on-one help. So, go out there and get started. What are you waiting for?

admissions, common app, Guest Posts

The Top 3 Mistakes Students Make on the Common App

 

common appWe are in the midst of the application season, probably one of the most stressful, scary, and overwhelming times for most teenagers and their parents. I want to share with you the top three mistakes students make on the Common Application and how you can make sure your children don’t make them and get into the colleges of their dreams. 

1. Not Telling Their Unique, Compelling Story

Schools are looking for well-rounded student bodies NOT well-rounded students. The admissions committee and anyone else should be able to read through your child’s application and get a sense of exactly who they are and what they care about. This doesn’t happen if your child is president of every club, plays every sport, and volunteers at 20 different organizations.  Your child’s application should focus on depth not breadth, quality over quantity. Don’t just take my word for it. This is what Harvard has to say about your child’s activities:

We are much more interested in the quality of students’ activities than their quantity so do not feel you need to fill in the entire grid! Contributions students make to the well-being of their secondary schools, communities and families are of great interest to us.

Everything from the activities to honors to courses to essays should come together and tell your child’s unique, compelling story. Getting an outsider’s look at your child’s complete application can really help with this.

2. Underselling Their Activities

I’ve seen students do it over and over again. The activities are seen as an afterthought, and students give very little attention to them. They also tend to underestimate the time spent on their activities. This is where your child sets themselves apart from all the other high test score, high GPA students. This is where they become “that girl” or “that guy” – the socially responsible athlete, the engineer who cares about social justice, the piano player who wants to help autistic kids. 

Students are only allowed 150 characters to describe each activity, so the descriptions need to be compelling and concise. All of the tips that apply to resumes apply to this activity list. Your child needs to focus on numbers, like the number of new members they brought into the club, the amount of money they earned/got donated/managed, the number of participants at their events. Make sure they put numbers in every description. If the honors they listed previously were associated with an activity, be sure they tie that back in. The activities should sound as impressive as possible. One tip I absolutely love for this section is to include a website for the activity if there is one.

3. Rushing Through the Supplements

Each college has questions and many of them require writing supplements. These are just as important as the Common Application itself. Students often leave this until the end and struggle with it. Make sure your child spends as much time on and with their supplements as they do with the rest of their application.

Many writing supplements ask “Why School X?”. One tip I give all the students I work with is to mention specific activities, programs, and professors at the school that they’re excited to work with and be involved in. Remember, what the supplements are really asking is why your child should be admitted to that particular college. Make sure their application and supplements describe how they will contribute to the school and its legacy. 

Now that you know the top three mistakes students make on their Common Apps, you can help your child avoid them and get into their dream college. Get my Ultimate Guide to the Common App plus worksheets and tools to help your child create their best application and my favorite college admissions resources and websites. All totally FREE!

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Today’s guest post is from Jessica Yeager, a grad of Harvard and MIT, and a tutor and college coach for high-achieving students and their parents at Impress the Ivies. You can get her Ultimate Guide to the Common App for free.

admissions, Guest Posts

Helping Your Student Make the College Decision

 

making the college decision

The College application season has begun. Students are now feeling the pressure of the college weight on their shoulders, as their future planning starts becoming a reality. But for parents, this may also be an even more stressful time. As a parent, how are you supposed to increase your child’s chances of getting into their top school, and, after that, how will you afford to help pay for the skyrocketing costs of planning and attending a University? I’ve outlined a few key tips that will elevate your child’s application, help you make the college decision and some tips on how you can save costs.

1. College Visits

  • If you are serious about getting your child into their top school, a college visit is a must. College visits provide students with the opportunity to explore the campus and get a feel for the atmosphere they’ll be entering, and it sometimes offers the chance to interact with students and faculty members. However, the cost of college campuses will add up, so it may behoove families to take advantage of guided virtual reality tours, like those offered by SchooLinks; which hosts tours of over 600 high-ranked colleges, including Harvard, Stanford, UCLA, and more.

2. Connect with Admission Officers

  • This may seem intuitive, but there are countless families who think a college visit is enough. It is important to get in front of an admissions officer if you plan to visit a college campus. Book an appointment with an admissions officer to show that you are interested in attending the college, and ask questions regarding the applications, school, etc. to show your continued interest in the school. You may not always have the time to meet with multiple admissions officers in person, but you can reach them via email or on SchooLinks where students can connect and interact with School Admission Officers.

3. Financial Aid

  • As I mentioned before, getting into a college may seem stressful, but figuring out how you will afford to pay for college is an even bigger headache. The go-to solution for financial aid is filling out the FAFSA form or searching for scholarships, but even when searching for scholarships, students often overlook many scholarships they may be eligible for. Parents should urge their students to start applying to scholarships early on, as early as 9th grade. My best advice for winning scholarships is to apply to multiple small scholarships, amounting to awards of $250-$500. Those scholarships normally have a lower number of applicants are yield a greater chance of winning. For an easy scholarship entry, parents can have their children enter the SchooLinks $5000 Scholarship, which has no application or essay requirement.

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Today’s guest post was provided by SchooLinks, an online free resource to help parents and students organize and plan college application submissions as well as scholarship applications. Students can connect with School Admission Officers, view guided virtual reality tours, or receive help from consultants. Upon joining, students should fill out their profiles completely, with all of their personal and academic information, in order to provide schools with all the important information they require. This will also allow SchooLinks determine which scholarship students are eligible, which makes the list of scholarships to research much more narrow. To get started, create a profile today!

college planning, college prep, Guest Posts

Staying Abreast of Higher Education Trends

 

higher education The 21st century has become a synonym for modernity, advancement, breakthroughs and technology. The era has seen countless changes and transformations which have changed the course of the world. Among all other aspects, education was the one which saw the most massive changes and transformations as it was completely revamped and customized. Actually, it was education as a component which changed the world in the 20th century.

Right from school education to higher education, students now enjoy a more modern and transformed approach in studies.

Education became accessible

Before the 20th century, education was a privilege which was limited to the elite and the rich. Many countries lacked in educational resources and the few that were available to them were not accessible to the masses. In the late 1990’s and the beginning of the 21st century, efforts were started to make education accessible to all.

Organizations such as the United Nations along with many NGOs and governments started special drives and programs to spread education, especially in under developed and developed countries.

Education was made easy

The 20th century also saw the advent and advancement of technology due to which all aspects of human life saw a massive transformation. The new technologies developed new ways to decrease geographical distances. They brought new devices and methods to make education easier and interesting to acquire even with less financial resources.

New resources

Technology blessed education with thousands of new tools. Recording knowledge became a much easier and less time consuming activity and transportation of massive data and information became as easy as carrying a feather. The World Wide Web further enhanced this and made it possible to connect to huge amounts of data from anywhere by anyone.

New fields of study were discovered

Thanks to the newly attained boon of technology, new portals opened for research because of which new studies were discovered. In the last few years, education branched into hundreds of new streams. This further fuelled the advancement of technology and it moved forward with increased speed.

Along with other aspects such as economy, the most important changes came in the health sector as the study of medicine advanced and benefitted everyone.

More career options

The newly discovered fields of knowledge combined with increasing and diversifying businesses created new professions and fuelled new jobs. Students and professionals got a chance to pursue better jobs and explore more careers which matched their interests and aptitudes.

The United Nations started the famous Millennium Development Goals (MDG’s) in 2000 along with 70 other nations. One of the 6 goals stated that- one was to provide free and compulsory education for all. Since then, secondary education has considerably spread across many countries and regions where children earlier didn’t have access to even secondary education. According to statistics presented by United Nations, 70 countries have increased their public spending on education. The statistics also states that the number of secondary students has increased more than four times the increase in the number of primary students. New concepts and methods are being tried to spread education and special care and efforts are being made to ensure that girls don’t remain outside the education circle.

However, as impressive as these figures are, challenges still remain in the universalization of education. There are still more than 37 million children out of school and 55% among them are girls. Wars and invasions in certain countries have also affected the process of spreading education. A more practical and united approach is needed to overcome these challenges so that the world sees an era where all its inhabitants are literate and educated.

admissions, college guidance, college planning, Guest Posts

Preparing Your Teen for College: Finding the Balance Between Well-Rounded and Burnt Out

 

Today’s guest post is from Ryan Hickey, the Managing Editor of Peterson’s & EssayEdge and is an expert in many aspects of college, graduate, and professional admissions.

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preparing your teen for collegeIt may seem like everyone you know is boasting about how their child effortlessly juggles advanced classes with guitar lessons, volunteering at the senior home, and learning Cantonese. It’s enough to give you a complex about whether or not your teen can even compete when applying for colleges. 

Well, fear not. Here are five things you can do to ensure your own student’s trajectory is on the fast track toward college acceptance while preparing your teen for college.

1. It’s okay to put all your eggs in one or two baskets.

The Rushmore syndrome of encouraging your child to join every club in sight results in a student that seems like a jack of all trades and master of none. Admissions committees are no longer fooled by a student who suddenly seems to be interested in 30 different projects the summer before junior year. Instead, focus on your child’s specific interest and let them actually achieve a level of proficiency. It is much more important to demonstrate genuine skill and commitment. Also, it often leads to a solid topic for an application essay.

2. Leadership is better than variety.

On a similar note, by applying meaningfully to just one or two extracurricular projects, a student can begin to build a level of responsibility. This kind of maturity is something colleges particularly look for in applicants.

3. Looking for something to add fast? Volunteer!

Community service is not only a great way to help others, it can help your teen too. If you feel like something is missing in your child’s transcript, volunteering can be a low-level commitment addition. Also, it is generally relatively easy to gain a leadership position quickly in a volunteer setting just by showing some initiative.

4. What are you going to do with your life?

Specific career goals post-graduation can differentiate your child from other applicants. Make sure you have a conversation about this and keep in mind that this goal is not something that goes on any permanent record. The larger idea of presenting oneself as forward-thinking in an application gives your teen the desirable aura of confidence in their direction. Maybe your daughter wants to be a veterinarian—check to see if it’s possible for her to shadow a local vet. Again, it’s not imperative that he or she actually adheres to this once they get into college, put admissions committees like to see that kind of drive.

5. Be true to your school

A great way to stand out in your applications is to know exactly what you want in a university. One important metric that colleges use to compare to each other is called “yield ratio”—that’s the number of students that accept admission after it is offered. Schools like to feel wanted, and therefore one of the best ways to prepare your teen is to help identify exactly what he or she is looking for in a school and then narrow down choices to ideal places. This requires a little research and some tough decisions. It also means trying to make an official visit, if possible.

Don’t feel tempted to nudge your student into another program just because it might look good on a transcript. Like everything else, honesty is the best policy. It all boils down to specifics. If your child can demonstrate commitment and leadership in one subject that makes them focus on a future academic goal that can be linked to a particular university program, that is superlative application fodder. No need to know a word of Cantonese.

 

About the Author

Ryan Hickey is the Managing Editor of Peterson’s & EssayEdge and is an expert in many aspects of college, graduate, and professional admissions. A graduate of Yale University, Ryan has worked in various admissions capacities for nearly a decade, including writing test-prep material for the SAT, AP exams, and TOEFL, editing essays and personal statements, and consulting directly with applicants.

 

essays, Guest Posts

3 Ways to Effectively Write Your College Essay

3 Comments

 

college essay
Courtesy of Pixabay

Writing the ever-important college  essay can, at first, seem intimidating and challenging. But remember, this is the key to whether or not you’ll be accepted to college, so it’s important to put your best foot forward. Writing the application essay is your time to shine, but it doesn’t mean you should feel nervous. We’ve put together a few tips to help ease the pain of writing your college essay.

Be Your Authentic Self

The most important thing you can do when writing is to be yourself. Don’t write what you think an admissions officer would want to read; it could come off as contrived and inauthentic. Instead, use your own voice in the way you would normally speak. Moreover, don’t discount proper grammar and punctuation, but it should sound conversational to some degree; as if you were talking to a friend.

An easy way to sound original is to write from your personal account; this helps the words flow much easier because only you can write from your own experiences. Documenting your own narrative sounds much more authentic to an admissions officer because your unique understanding tends to stand out and sound more passionate. It’s easy to tell the difference between a genuine essay and one that’s not

Once you’ve written a rough draft, have someone who knows you well—like a teacher, parent or friend—read through to make sure the writing matches your voice. They can give you honest feedback and help keep you on track with your writing. Plus, having an extra set of eyes read your work will help you find mistakes you might have otherwise missed.

Get Organized

A good starting point for writing your essay is to come up with an outline detailing important points you’d like to make. Keep it to a few topics and, of course, remember to answer the initial prompt. Once you’ve got the basic outline, its time to start writing. At this point, it’s best to let your ideas flow and to get everything on paper. It’s much easier to edit your work than to struggle to come up with the right thing to say. Keep your writing focused; you don’t want it to look like a resume that covers everything you’ve accomplished up to this point. You want to keep the admissions officer engaged, so focusing on a few topics rather than many is more effective. This is also your chance to showcase your writing skills, keeping on topic and being succinct will look much better to an admissions officer than an essay that rambles.

Alternative Applications

There are a few colleges that have started accepting video applications in place of the traditional essay. In the video, admissions are looking to see your personality and who you are as a student, and the video is a chance to be a bit more creative than you could with a written essay. The website ZeeMee.com is solely for students to upload videos and send them to colleges. They can create a profile that covers their skills and interests, as well as share their videos. Users can even endorse others for their skills, much like one would on LinkedIn.

If you plan on applying to multiple colleges and the thought of writing a new essay each time is a bit overwhelming, you can also check out the Common Application. This site allows you to upload one essay and fill out one application to send to many different colleges—saving you time and headache from completing several applications. A single essay might be best if writing is not your strong suit. Bonus: the site offers guidance and support for students applying to college.

Admissions officers are looking for students who can bring something new to the table. They want to see who you are and what kind of student you may become while attending their school. It can’t be emphasized enough to be yourself when writing your entrance essay. This is your chance to show the university you are an individual who has unique ideas and a passion for learning. Take this opportunity to talk about your interests and excitement about continuing your education. You may just find that acceptance letter waiting for you in the mail.

 

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About the author:  Jessica Gibbs studied Apparel Merchandising and Communications/Journalism at Colorado State University. She is currently a guest writer for CollegeFocus, a website dedicated to helping students deal with the challenges of college, including housing, finance, style, health, relationships, and transferring from a community college to a four-year university.

You can learn more about CollegeFocus on Twitter and Facebook.

financial aid, Guest Posts, student loans

5 Tips to Avoid Debt After Graduation

 

debt after graduationAccording to US News, graduates from the class of 2013 averaged just under $30,000 in student loan debt. This is a lot of money considering the average graduate from that same class had a starting salary of just around $45,000. While it may seem like an impossible task to pay back these loans, if you make smart decisions about your finances you can slay the startling student loan dragon and avoid the student loan money trap. The following tips will help you pay off your student loans and avoid the crippling debt after graduation that many recent graduates deal with.

1. Know Your Loans

If you are like most graduates who have taken out student loans, it is crucial to know the ins and outs of them. You should know your monthly payment, interest rate, and the term of your loan. Knowing this information will ensure that you don’t fall behind on your payments and will allow you to come up with a game plan to pay them back. It is also smart to stay in touch with your student loan servicer. These people can help you if you need more time making a payment, want to change the terms of your loan, or want to explore options that may reduce your interest rate.

2. Refinance

Just like you can refinance your mortgage or car loan, it is also possible to refinance your student loans. You can usually consolidate and refinance your loan or loans into one single loan with a private lender. Because many graduates now have steady jobs and a better financial standing, the private lenders who deal with refinancing may offer much better rates than the initial loan. Refinance rates start as low as 1.90% for those with a very respectable credit score though most borrowers’ rates average around 3-5%. Even if you can lower your loans by a few percentage points, you will save thousands in the long run!

3. Student Loan Forgiveness

Student loan forgiveness is essentially just what it sounds like. After a certain amount of time or under certain circumstances, you are “forgiven” for your loans and are no longer required to make payments on any remaining balance. One of the most popular plans is the Public Service Loan Forgiveness Program from the Department of Education. This plan offers forgiveness for those who work in a public sector job, like the government or a not-for-profit, who have made at least 120 qualifying payments on their student loans. Starting in 2017 you can apply for this program on the Department of Education’s website.

4. Maintain a Budget

Whether you have student loans or not, it is essential to maintain a strict budget. Mapping out all of your essential expenses and sources of income will allow you to have a better understanding of how much you can invest or save and how much extra spending money you have. There are also countless apps to help you easily track your budget and spending. Make sure to keep updating your budget as you gain a better understanding of how much money you are spending.

5. Cut Unnecessary Expenses

There are countless ways to waste money in today’s society. In order to stay debt-free as you enter the “real world” you must identify and eliminate these wasteful habits. Some examples of expenses you can cut include eating out, memberships to entertainment services like Spotify or Netflix, and spending money at bars or clubs. Once you take a look into your budget and spending habits, you should be able to choose which expenses are unnecessary and cut them out.

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Today’s guest post is from Molly Day, the creator of StudentLoanDiary.com. Molly created her blog to help her stick to her goals and encourage other people to beat their student loan debt! Molly is working to pay off $30,000 in student loan debt over the next two years!

 

dorm life, Guest Posts

Creative Organization Ideas for College Dorm Rooms

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My guess is it happens to at least one of every two college freshman each fall. Living on campus has been something they have dreamed about since that day they caught their little brother reading their diary in seventh grade. Everything about it is new and exciting, including the freedom and the novelty of it all. Yet sometimes it may come as a surprise when they arrive and realize just how cramped their new college dorm rooms can be. In most cases it doesn’t matter because the simple truth remains: they are living on their own.

Along with that comes the opportunity to personalize the new space, which we think can be made a little more fun by using some of these creative and space-saving ideas:

Dress up that plastic storage

Chances are at some point in college, you will find yourself in need of plastic storage. Not only are these handy vessels essential to staying organized in small space, but they are portable for those multiple moves you may make throughout the college years. Make them a bit more private and a lot nicer to look at by giving them an inexpensive makeover.

college dorm rooms
via LW Designs

Think outside the box

Why buy one of those tiny space-saving ironing boards you will only use for four years when you can repurpose something you most likely already own? A foldable TV tray can serve the same function when covered with some batting and fabric. Not only is it space-saving, but it’s cute and could double as a desk or other surface in a space that generally lacks surfaces to work on.

college dorm rooms
Via Like A Saturday

Don’t waste hidden storage opportunities

Finding a place for everything is probably among the biggest challenge in dorm living, especially if your roommate also has way too many pairs of shoes. Make life a little simpler by remembering to use every empty space that could be otherwise forgotten, including under the bed.

 

college dorm rooms
Via The Berry

Simplify the shower

If your dorm room has its own bathroom, chances are you are sharing it with at least one roommate, if not several suite mates. Simplify your shower storage by adding a second shower rod inside the shower where you can hang extra essentials like loofahs and shower caddies, without having to lug them around everywhere each time.

college dorm rooms
Via By Dawn Nicole

Get crafty

In a small space there may not be room for a bedside table, but that doesn’t mean you don’t need a place to keep your book and glasses after all those all-nighters. To avoid having the little things accumulate in random places, consider making a bedside caddy that suits your space needs.

college dorm rooms
Via My Poppet

 

Reinvent the white board

White boards and calendars are a must in dorm rooms for keeping up with multiple busy schedules. But it’s okay for you to think beyond the white. Dress up the traditional organizational concept by using fun alternatives, like a photo collage piece.

 

college dorm rooms
Via Dormify

Make the space your own

Function meets style with the right furniture choices. If your budget allows, consider investing in cube storage that can not only create additional storage options, but act as a room divider.

 

college dorm rooms
Via: Ikea

Today’s post was written by Tyler Schmidt. For more design ideas, head to Modernize.com.