According to published research by Statistic Brain, 46 percent of us vowed to improve our health this year, and resolutions for 2018 will likely pan out the same. Another study reports that 80 percent of us will fall off that healthy bandwagon by February. Don’t be too hard on yourself. With commitments to your education and other interests, sticking to healthy habits is challenging. The goal of healthy changes is to focus on progress, not perfection. Here are a few tips to help you make healthy habits stick.

Continue reading

There are many situations in life where you will need to work full time while going to college.  You may have a family to support, bills to pay, and can’t give up work to go to school. Even without these responsibilities, working full time while going to school is a good way to avoid too much student loan debt.

Regardless of your reason to work full time while going to school, you’ll need to plan carefully to balance work and college time, and still have room for free time to recharge.

Continue reading

For many first-generation students — students who are the first in their family to attend college — post-secondary education is a huge deal. They’re taking a different path than the rest of their family, one that their parents may not understand or even support. In many cases, they have more financial stresses than other students and may also feel like they don’t belong on campus. Thankfully, there are plenty of resources to help first-generation students adjust to college life.

Continue reading

Colleges have gotten better at feeding students. Your university food service program probably includes more dining options than a single, predictable, cafeteria menu. While the variety may make campus dining more bearable, it isn’t exactly mom’s home cooking. For a more satisfying eating experience during school, spend some time at your local grocery store and explore other creative ways to stay nourished.

Continue reading

College is supposed to prepare you for the “real” world, so challenges are expected. Unfortunately, one of the biggest trials facing many college students is finding money to pay for school. Federal and private loans help them make ends meet.

Unless your college fund is flush, you may need help paying for school. Fortunately, there are several types of student aid available, including scholarships, grants, and loans. Most college students draw from one or more of these resources when covering college costs. Which one is best for you?

Paying For Your Education

College spending extends beyond the price of tuition alone. The cost of housing, books, meals, and other necessities pushes up the price of earning a degree. And regular expenses don’t go away during school either.  If you are like most college students, you’ll need outside help to keep up with these extraordinary costs.

Financial aid comes in three forms. Scholarships are earmarked for high achievers who excel in athletics, academics, and civic capacities. If you are a star athlete or an exceptional student, you may be able to land a scholarship. Students who demonstrate need to pay for school are offered grantsl. If your financial outlook prevents you from paying for college, a public or private agency may extend a grant, enabling you to attend. Grants and scholarships do not require repayment.

Student offer a popular third financial aid option, issued by the U.S. government and private banks.

Public and Private Loans

Student loans are offered by private lenders and through U.S. Department of Education programs. These must be repaid after you leave school. Government-backed options have the best interest rates and repayment terms for students, so the Federal Direct Loan Program is the top source for low-interest college loans.

Before you enroll in school, it is important to submit a Free Application for Federal Student Aid (FAFSA). The FAFSA asks questions about your family finances and the cost of attending the college you’ve chosen. Your answers help financial aid officials determine which types of student aid are best for you. If your FAFSA shows financial need, you may be eligible for federal grants.

The last option for students are Federal loans. These loans have the lowest possible interest rates and flexible repayment terms. Both graduate and undergraduate students are eligible for unsubsidized loans. Interest rates may not be as low as subsidized alternatives, but unsubsidized federal loans are still more affordable than similar private loans.

In addition to low interest rates, subsidized student loans offer flexible repayment terms. You have the option to defer payment under certain conditions. During deferment, the borrowed amount does not accrue interest, helping graduates get on their feet before interest payments are due.

When scholarships and grants aren’t enough to cover the cost of college, students turn to loans. Your best bet is a Federal Direct Loan, but private options are also available.

 

College offers a world of opportunities, but trying to keep up with your grades, participate in extracurricular activities, and maintain a healthy social life is overwhelming. You want to make sure you don’t overschedule yourself; doing so can lead to burnout, fatigue, and more serious health issues. Here are some tips on how to prevent overscheduling yourself while in college.

 

Set Priorities

Setting priorities — for both academic and non-academic commitments — will help you tremendously. You’ll want to have an academic plan that outlines what courses you need to take. Before each semester, make sure to review your academic plan so that you schedule your classes appropriately. This is especially important if you choose to work part time or participate in extracurricular activities.

Next, you’ll want to review your non-academic commitments or other areas of your life that you value such as family, personal finances, and free time. Once you’ve considered your non-academic responsibilities, set priorities for them and compare them with your academic responsibilities. Now, set realistic priorities that allow you to focus on the most important aspects of your life. Make sure you’ve left yourself some downtime. Remember that if you have to squeeze something into your schedule, you need to either remove that task or rearrange your priorities.

Keep a Calendar

Try using a physical calendar like a planner to maintain your schedule. Using a physical calendar might sound pre-historic to most millennials, but think about using something visual that outlines your life laid out in front of you. You can see what you have to do on Monday and Friday all in one view. With a physical calendar, you can also write notes or reminders in the margins, which you can’t do with calendar applications on smartphones and other electronic devices.

Master Multitasking

If you thought you were a master at multitasking while in high school, then college will test those skills. In fact, multitasking will help you survive while in college.  However, multitasking requires practice, and certain activities are easier to balance than others. For example, if you ride the bus or train around campus, you can open up your notebook and study your notes during your commute. Texting during class, on the other hand, isn’t such a great idea because it interferes with your learning.

Schedule Some Downtime

When setting priorities and creating your calendar, be sure you schedule some downtime. Set aside a block of time on your calendar that is just for you, and don’t alter it under any circumstances. You’ll eventually become an expert at telling people no when they ask you to do something else. You can spend this time alone or enjoy a night on the town with friends. 

Every college student has felt stressed out for many reasons, but you can avoid stress from overscheduling. College is a busy time, but setting priorities and filling your calendar wisely is going to reduce stress levels. So, leave yourself time for mental breaks; your physical and mental health will thank you.

Attending college is a personal and financial investment into your future. College is the time to develop personal and professional skills that eventually mold your marketable or “transferable” skills. These skills will help you further down the road when you finish school and enter the workplace. By identifying and strengthening your abilities, you can get a jump-start in the job market.

What Are Transferable Skills?   

Transferable skills are those qualities, talents and personal attributes that most employers want to see. You’ll develop these skills during your college years when you do internships, complete academic projects, and participate in campus activities. For example, communication, organizational, interpersonal, and leadership abilities are transferable skills because they show an employer how valuable you are. In fact, if you’re applying for a job that you have no experience in, transferable skills can show that you can do the job. 

Skills You May Already Have

When you think about your communication skills, ask yourself how strong your public speaking skills are and if you’re able to coherently articulate your thoughts. Not only are your verbal skills essential, but your nonverbal skills are critical, too. For example, how well do you write or edit? When you consider your organizational skills, think about your ability to multitask, set deadlines and follow through. If you want to assume a leadership role after college, think about your ability to delegate, build teams, and resolve conflict. 

If you’ve identified that you lack in some of the above abilities, there are some actions you can take to improve those skills while you’re in college.

How to Boost Your Transferable Skills 

To expand your communication skills while in college, you can participate in classroom presentations or become a member of the drama club or debate team. You can also take part in internships and take advantage of opportunities that allow you to present to your co-workers.

You can boost your organizational skills, ability to multitask, and time-management skills by doing other projects in addition to your classroom projects. For example, you might have a semester-long math project and an organization at your school that’s asking for volunteers for a project. That would be an opportune time to improve your transferable skills.

Finally, you can strengthen your leadership skills by participating as the team lead on group projects. Perhaps you can take on the role of president in one of your school’s student organizations. You can also participate in activities outside of school, like becoming a board member for a local charity. How well you communicate your transferable skills on your resume and during a job interview will be the key factors to landing that position.

So, remember the old saying that we have to crawl before we can walk. At some point, we’ve all had to experience our first job. College is the time for you to learn who you are and to develop yourself professionally. But, your marketable skills will play a vital role in your future success, and building them starts before you enter the workforce.