What do I need to know about out of state tuition ?

If you are student who is planning on attending a four year college outside of the state you have lived in your whole life there is a chance you may have to pay out of state tuition. With that being said the average out of state tuition for an undergraduate is about 16,000 dollars. A student who has not been a resident in the state for more than a year it is more likely that you will pay more simply because you do not or have not been a resident of that state. There is a big gap between how much tuition is depending on whether or not they live in the state where there school happens to be. For instance the graduate school of education lists the difference between the amounts paid for in and out of state tuition. Say you live in the state of Maryland and decide to attend Towson University and you have been a resident for a while now your tuition would range about 8,100 dollars to attend that university. However, if you have not been a resident and are now moving to the state just for college your out of state tuition ranges from 18-19 thousand dollars for out of state tuition. That leaves almost an 11,000 dollar gap between in-state and out of state tuition.

               Some states have made it somewhat easier for those who are paying tuition from out of state. Some states have set up programs to reduce tuition for those out of state and make things alittle easier for them. For example the Academic common market is a program most states have like Alabama, North Carolina, and other states to offer discounts on tuition for undergraduates and for graduate degrees.

https://www.heath.gwu.edu/state-vs-out-state-tuition

https://www.collegexpress.com/interests/public-colleges-and-universities/blog/what-you-need-know-about-out-state-tuition/

Should You Apply to Schools Early Action?

Applying to college Early Action allows students the opportunity to apply to the top colleges of their choice. They are able to know if they are accepted before students who apply to college by Regular Decision that generally know in the spring. However, unlike Early Decision, Early Action allows students to apply to other schools by Early Action or Regular Decision since it is non binding, which means that you do not have to attend the school if you are accepted.

The benefits to applying Early Action may help you decide what colleges are at the top of your list. The increase in admission rates to those who apply Early Action compared to applying Regular Decision can be seen at selective schools where a fairly large advantage can be gained. For example, Notre Dame and Caltech’s Early Action admission rates are twice as much as their Regular Decisions. Also, since you are applying early, it means that scholarship opportunities can be greater than normal because there will be more money to spare during the fall than in the spring when Regular Decisions come out.

However, it is important to note that just because you get accepted does not mean that you will be able to afford the school. Some schools do not offer early financial aid packages to those who applied Early Action, so you might not know if you can afford the school until the spring. Therefore, it is necessary to keep your options open. Luckily, by applying Early Action, you do not have the obligation to commit to the school because you have until the universal decision date which is May 1st.

https://www.collegetransitions.com/blog/early-action/
https://www.collegeraptor.com/getting-in/articles/questions-answers/should-you-apply-early-decision-or-early-action-when-financial-aid-matters/

How will the Coast Guard prepare me for the rest of my life?

Enlisting in the Coast Guard for four years of service will teach me a lot such as hands on training with working on boats, doing rescue and boarding missions, physical endurance, mental endurance, and discipline just to name a few. But how will my four years of service prepare me for the rest of my life?

As of now, I’m not exactly sure what I want to pursue in as a career. What I do know is that I do not want to go to college right now. So after four years of living independently out in “the real world,” I should know what I want to do in terms of a career and education which thanks to the Post 9/11 G.I Bill, will make a college education easily attainable and affordable as a veteran.

Moreover, a prodigious work ethic will be instilled into me due to the military lifestyle that I will be used to: attention to detail, honor, leadership, and devotion to duty.

The Coast Guard will also provide me with enough experience and skill to get civilian jobs as soon as I get out of service. Jobs such as a police officer, longshoreman, marina/harbor/port/pier supervisor, and ship pilot.

https://www.gocoastguard.com/active-duty-careers/enlisted-opportunities/view-job-descriptions/bm

http://theconversation.com/us-civil-services-preference-for-hiring-military-vets-comes-at-a-hidden-cost-78078

https://www.aol.com/2011/04/11/how-military-service-can-prepare-you-for-a-successful-career/

What Is Life as a Pilot?

     What is like in the clouds? Is it really a high-risk job? What about the free tickets? There's so much that goes unsaid about being a pilot because most people just assume that their life is just in the aircraft cockpit and in the hotel room. If you have ever taken a flight anywhere in the world, you know that the view outside the window (during the day) is beautiful. I would personally describe flight as a peaceful intermission because until you land you get to forget about everything that is going on beneath you. Flying is actually regarded by a lot of people as the safest form of transportation because it is the most efficient while having the least amount of fatalities (Preske). Unfortunately, grabbing free tickets is not as viable as rumors say because it really depends on the airline. Below is the question I was mostly interested in.

Is it lonely?

     It really depends on you. If you are able to establish a good relationship with your work partner, then it should be enjoyable. Especially since they will be with you for a couple of hours. You also meet a lot of people often. People in different areas of the world have different tastes, so you are exposed to a lot of different personalities along the way (Margolis). I did find some sources, however, that referred to the job as "a blast for about the first two years as you conquer the world and see things you’ve never seen before, but after that [it feels like] rotating between moving prison cells" (Wagner). Unfortunately, being a pilot does pose a risk to personal relationships, like marriage, because it is hard being away for so long and especially since some of "the rigors of the job [are] difficult for any non-pilot to comprehend" (Houston).

     There is a currently a serious shortage of pilots so it seems like employment should not be much of an issue. I consider it a valuable and worthy career to pursue. Although the pay wasn't really something that I considered important for someone like me who is chasing dreams, the average commercial airline pilot salary is around $130,000. Not bad.

Ron Wagner: What Nobody Tells You About Becoming A Pilot

Elizabeth Preske: Here's Why Flying Is the Safest Mode of Transportation

Jonathan Margolis: The ups and downs of being an airline pilot

Sarina Houston: Airline Pilots Talk About Their Personal Relationships

Is Double Majoring Beneficial?

When we were younger, one of the most common questions we would receive from adults was “What do you want to be when you grow up?” Some of us answered with answers we thought our parents might like, and others (if you're like me) based their answers off of which field makes the most money. We’ve had our whole lives to think about what we want to do when we grow up, and for most of us, we still don’t know what we want to do or how we’re going to find a job in our desired field of study. This dilemma has been something I have thought about for several months now. The field of study I really want to go into is music; however, it is difficult to find a well-paying, steady job in the field of music. This is why my question was about double majoring.

Double majoring has many benefits. According to wayup.com, double majoring is a way to learn as much as possible, which will give you an edge on your competition. Through this route in college, a person can also network with a significant amount of people, including professors, who can help guide them into the workforce. There are some drawbacks to taking up this load. There is a lot more work, which will take away from the amount of time for extracurricular activities. Some schools even have a higher tuition for double majors since the student will be taking more classes.

Double majoring is something definitely worth considering, especially for those who desire to get ahead in the workforce.

https://www.wayup.com/guide/advantages-disadvantages-double-major/

What are the benefits of obtaining a college education?

Earning a college degree has become an important part of life. The goal has been to go to college, buying a house, starting a family, and getting a job. All of those goals start with getting a college education. Earning a college degree is about opening many doorways to the future. Getting a college degree can open up many doors to the future. The benefits of a college degree include having the chance of having a higher paid job.

For most people who pursue a college education, their main goal is money. The ability to learn more about the way money works and how to earn it, is what drives people to go to college. Over the past years, studies have shown that those who have graduated from college earn more than those who only graduated from high school. Another benefit that can come from earning a college degree is health care benefits, most jobs that require the worker to have at least a bachelor's degree, masters, or doctorate tend to provide more benefits to their employees. These benefits can range from health care benefits, retirement benefits, and travel benefits, a major part of the reason why these benefits are important is because they may also pertain to family members as well.

As a college graduate, it is also more likely that you will enjoy your job. Factors like health benefits, higher income, and other employment benefits may attract people. But a college degree is what gives people the freedom to choose a career that they would like to be involved in, one that will inspire you to work hard everyday. Even though attending college can be a struggle of money and commitment, the work will prepare people to be prepared for what's to come in life.

https://www.educationcorner.com/benefit-of-earning-a-college-degree.html

What to do if you do not want to go to a four-year college?

For most people they have an idea that they want to go to a four-year college after high school. For other people a four-year is either not right for them or is something they do not want to do. That is why there is more than just that path after high school.

The first alternate option to a four-year is a trade school. This option is most advantages to people who either don't have four years to devote to a college, want to get into the working world with a good job, or can't afford to go to a four-year. Some people don't have all the necessary time needed to devote to four-year. An example of this is if you have a child that depends on you. The other main reason is cost which is not as high as a four-year. The trade you choose to go after have different pays like solar energy plant operator who makes $67,000 a year to a construction manager who makes $87,400 a year.

The other option is the military. Some of the biggest reason that joining the military may be an option to choose is if you don't feel ready to start college, want to serve your country, or want to get college paid for. The reason for people who don't feel ready for college can also be said as they want some time to find out who they are. Most people would have this as one of their life goals at one point. The other reason of serving your country is for people who feel that they want to give back to their country in that way. The last reason is that the government will pay for your college after the military which if you don't have the financial support then this is the best option.

Citation:

https://www.onlineschoolscenter.com/30-high-paying-trade-school-degrees/

https://www.moneycrashers.com/joining-military-benefits-risks/

How does minoring work and is it beneficial?

How Does Minoring Work, and is it Beneficial?

Minoring at college basically means you are studying a subject, but it is not your main focus (or major). Minoring in a subject is beneficial to those who might want to study more about their major. Having a minor might give you the chance to learn more about what you are majoring in and expand on your education about the general theme. Minoring doesn't automatically make you smarter but it can make you a well-rounded student. Also, minoring in a subject that goes hand in hand with your major looks great on a resume in that field. Minoring can also lead you into other subjects you might not have been familiar with. Minoring can lead to a change in major or even double-majoring. However, minoring does mean you are taking more classes which means you need to pay for them. More classes might also mean that you are busier and have a greater workload. Despite that, the pros do outweigh the cons; minoring can be very beneficial. If you are able to handle another class, and if you manage your time wisely, you can minor in something that can greatly help you in understanding what your major is all about. 

Is a Cheap Degree a Good Degree?

One of the main concerns with college is its cost as college is known for having high prices that determine whether or not it is worth applying and attending. As with most topics, this issue is controversial and carries both negative and positive aspects.

Most people believe that mainstream colleges are the best to attend, when there are numerous of other schools out there that also suffice the education needed. Popular colleges typically tend to be the more expensive ones, as opposed to lesser-known colleges that are much cheaper and still offer several majors that would be taken at the “known” university. Ultimately, the degree you receive is what matters most, not where you got it from.

On the other hand, college experience is also important and beneficial. Although college may seem costly, it usually has a sticker price, for most students do not end up actually paying the full cost due to scholarships, financial aid, and other resources. For this reason, students should not limit themselves and their educational paths strictly because of tuition rates. Price is an important factor in determining which college to attend, but so is the quality of content and reputation of that campus (www.greatvaluecolleges.net).

Overall, receiving a degree and finding a career with it subsequently is the essential part in succeeding from investing in yourself. Whether people choose to take a cheaper route, they are still obtaining a similar education that will ultimately depend on what they choose to do with it afterwards.

How many graduates use their degree

I've often heard through social media and the internet that college isn't beneficial because those people graduated and never used the degree they went to school for. I would like to know is this actually true. What I've come to find out is that according to the Washington post 62.1% of people get a job that uses their degree. College degrees are necessary for a multitude of jobs and they must show you have a knowledge for the field in which you are planning to work in. Another factor that plays a part is the location in which you work in. Bigger cities tend to have more job openings and more opportunities to put your degree to work.  In addition to the argument that a degree isn't needed is that with a college degree you are likely to get paid a lot more just because of the degree. For example, some schools pay teachers more the higher the education they completed meaning a teacher with a master's is going to get paid more than a teacher with only a bachelor's degree. So the answer to how many graduates use their degree is a majority of them do and they've found it to be necessary to because provides proof of experience and gives a pay boost in some jobs.






https://www.washingtonpost.com/news/wonk/wp/2013/05/20/only-27-percent-of-college-grads-have-a-job-related-to-their-major/?noredirect=on&utm_term=.874dbeac8975

What are the career options available for Gaming?

What are the career options available for Gaming?

          Career options vary when it comes to Gaming.  You can choose between being an artist, audio programmer, writer, game programmer, designer, producer, or even a professional gamer.  These jobs seem to average good pay, with the least one being artist, which was around $50,000 per year.  If you are a game writer then you could make up to $200,000 per year!  This is very good news for me because I was really worried about how much money was available for those who are into gaming.  I doubt I will be a game writer or artist because those are both not things I'm very interested in for a career.  The job that sparked my interest was game programmer.  This is a job I could really see myself doing in the future and loving it.  I am happy to see that they make an average of $95,000 per year because I would personally feel very successful if I could make that much money doing something I love.  This makes me very hopeful for being a future game programmer because one of my biggest concerns about entering the field was that I would not make enough money to satisfy my needs.
          One career I've been very interested in is streaming on Twitch and making videos on Youtube.  This would fall under the lines of entertainment and that just sounds like something I could be good at and enjoy doing.  My job would basically be to make as many people as happy as I can and make sure everyone is having a good time laughing and enjoying their time spent on my channel.  This is ultimately a dream job for me and there is no other job in the world that I want more.  However; being successful in this job can be fairly difficult and I know this.  Looking up how much money the best of the best streamers make really motivates me to be the best I can be at it.  Streamers such as Ninja make an estimated of $5.4 million per year streaming on Twitch.  This is an insane amount of money for doing something I would already want to do for free if money wasn't something I needed to live.  This is the job I could see myself doing the most and am most excited to try out.  Seeing these streamers that I know the name of and I see daily how many views they get and how they do what they do; This really encourages me because those numbers don't seem impossible and I think I can be one of the best at this.

https://www.lifehack.org/319007/8-careers-for-video-game-enthusiasts

http://mediakix.com/2018/09/how-much-do-twitch-streamers-make/#gs.mtRyvAU

What are Benefits of Taking a Gap Year After High School?

         By the time high school graduation comes around, we, seniors have been through about 13 years of schooling. That is a lot of years if you think about it. After all these years, the brain can seem to be burnt out with so much formal education. That is why I ask the question regarding the benefits of taking a gap year after high school.

          A gap year is a period of time between high school and college where a student takes time away from the classroom to continue their education in other meaningful ways. It is a time where high school graduates can take time to explore the world and all that it has to offer as well as possibly replenish their energy and motivation for school. I learned some benefits that seem to attract the population of students who take gap years. These include being able to travel and experience new cultures all while possibly discovering hidden passions and prepping for more years of a formal education. Also, taking a gap year leaves doors open to making more memories with friends and having fun while living a full life. Although, research states that gap years have increased in popularity in the United States over the past  years, but more traditional family members and teachers may not quite understand this big decision of some seniors. This opens doors to negative opinions from people that you love and care about. More cons of taking a gap year include the easy ability to get distracted and stay out of school longer than planned if disorganized, as well as the large amount of planning that one has to do regarding their next steps after the gap year. Besides slight cons, taking a gap year has shown to not be crazy, but instead a reasonable decision made by many high school graduates across the world.

Citations: 

https://www.globalcitizenyear.org/content/why-take-a-gap-year/

https://www.goabroad.com/articles/gap-year/gap-year-after-high-school-pros-cons

How much more Difficult is College than High School?

Students want to know what they are getting into before they go to college, and the fear of college being too hard steers some students away. Students wonder if they will be able to maintain good grades, have good time management and if they will stick with their major. A big part in determining how difficult college will be is choosing a major they you know and will enjoy. Classes will have assignments but it won't be like high school, which gives homework almost everyday and are expected to be done the next day. Most likely if you receive an assignment in college multiple days will be given to complete it. Taking classes that actually interest you will also make life in college easier rather than having to take a class that does not interest you. If students pick classes that interest them then instead of thinking class is a burden, they will have the drive to stay focused and learn the material. Another plus is you don't have to take as many classes in college, which can lead to more sleep, time for assignments, and time to yourself. Less classes is always stress relieving, especially when you have more time in your day to work without feeling rushed to do assignments.

As long as you go in with a positive mind set and the willingness to learn the major of your choice while not getting caught up in other things college shouldn't be that much harder.




http://thecollegematchmaker.com/6-surprising-reasons-college-is-easier-than-high-school/

https://medium.com/the-mission/top-10-fears-students-have-about-college-student-debt-is-not-1-872925dc876d

What can I do with a business degree?

What can I do with a business degree?

With a business degree, the career options vary depending on the type of industry, so it's important to choose an area you can excel in and find work experience. To get hands on experience you need to find a university that will offer extracurrucular activites that provide you with skills to improve in business and finance. Extensive knowledge in the field can help you gain a top spot. There are many different kinds of business degrees to choose from. The choices are earning an associate degree (AA), bachelor's degree (BA), or a master's degree (MBA). All of the programs can be on-campus or online for those who have a busy work and school schedule.

Also with a business degree, owing your business can be quite easy. There are many benefits for owning your business and that includes working from home, flexible hours, and of course the passion you carry day to day. The skills needed to start your business come from the drive of what you love and want to sucseed in. Also understanding the business market you are garunted a great start to your business. Many other self starting businesses fall quick because their knowledge in marketing and finance isunorganized. But with the right set skills learned, and your mind is on the prize, your business with prosper in the market with little to no downfall.

https://www.prospects.ac.uk/careers.../what-can...do.../business-and-management-studi…

https://www.worldwidelearn.com/online-education-guide/business/business-major.htm

Will working towards a Professional Degree pay off in the future?

     Attending a college or university has been the goal throughout high school, and with being interested in the law and medicine field, I was told to look towards a Professional Degree. However, I was left with questions such as if it will be worth the time and work, and will it ensure that I am financially stable. 

     A Professional Degree is a degree that focuses more on working with specific skills and the knowledge necessary to achieve success, without the intense research and overall academic work. It is similar to a doctorate degree, but it benefits for practice-oriented occupations such as a medical doctor or a lawyer. 

     Many people will argue that if you are certain of your future career choice, and know that you want to work one specific occupation, a professional degree is a good decision to pursue. With this degree, people have the lowest unemployment rate and the highest median weekly earnings. A worker with a professional degree earns a median weekly salary of $1,730, the highest weekly earnings of any of the educational categories. In addition, the unemployment rate is the lowest out of all degrees, at 1.5%. To add on, there are many careers that require a professional degree that are the highest paid salary. A few examples of these careers include: 

• Anesthesiologist ($210,000) 
• Physician and Surgeons ($208,000 per year or more)
• Podiatrists ($124,830 per year) 
• Pharmacists ($122,230 per year)
• Judges ($133,000)

     This being said, students that pursue this type of degree will benefit afterward, but it is essential to ensure that the degree is needed for your occupation. Although the time to complete this degree can be up to 10 years, it will be worth it in the future. 

https://www.gradschools.com/get-informed/before-you-apply/choosing-graduate-program/what-is-a-professional-degreees/ 

https://smartasset.com/retirement/the-average-salary-by-education-level  

What's the best way to stay financially stable and on track to your career/ passion?

Man, don't you guys just love having money? The feeling of a crisp bill on your fingertips. Well you're out of luck unless you figure out the best way to  be financially stable in your situation. We will be offered credit cards which provide us money that we don't necessarily have but many of you will spend with great joy without thinking twice. Instead of raising credit, you've lowered it and raised your dept. Want to avoid this? I suggest you start your savings, instead of spending your extra money whenever you have a chance you should put it aside to invest in your future. For whoever already found themselves in debt, you need to learn to stop spending the money you DO NOT HAVE. Eliminate and try your best to avoid debt, you have to pay your bills immediately. 
Before you have ideas about moving out think about what it is that you own. you live in a house or apartment, you have lights, gas, water, electricity, phone bills, cable, internet, groceries, insurance, car gas, healthcare and necessities (soap, shampoo, laundry detergent; ladies our monthly visits) and that's before you can think about your leisure costs. Now if you can afford all this off bat I wanna know what job it is you have that pays for all this at age 18. Always keep in consideration your liabilities so you can budget and save whatever extra money you could possibly have. If you can't afford all this yet I suggest that you re evaluate your plans so you can avoid debt.

What are the benefits of working in an internship that relates to your major? Is it worth it?

All of my life, I believed that although it was the standard to go to college and pursue a degree in a major in which I preferred, I never fully discussed the benefits with others in how internships would specifically help you with your major, and the overall next step for your future career.

In an article by Amber Shiflett titled “Reasons why an internship rocks”, she discusses the five key benefits in which an internship can do for the pursuing of your future career based on your specific major. She explains that while she is only a senior in college, an internship, no matter the conditions, is an “investment to your future”. First, she describes how internships can give you real-world experiences. This is manifested through the use of your presence within the company and how those experiences that you are able to have will ultimately teach you more about the major and the occupation in which you want to acquire for the future. Second, she talks about its use of networking, and how internships give you a chance to be apart of the company’s meetings and to overhear how everything is run. Furthermore, Shiflett discusses how her experiences with internships have only provided her with more opportunities for multiple resources to talk to the executives of these companies, and how it has led her to acquire more references when looking for a permanent career. Thirdly, she discusses how these internships will overall be a great way to build up a resume, especially when it has something to do with the major in which you are planning on pursuing. In addition, companies would much rather consider a candidate who has experience in the position than someone who would not. After, she talks about the benefit of learning how time management can be managed while working in an internship position. She explains how time management is prevalent in almost every office setting, where everything has an exact schedule when it comes to the day to day activities in which need to be completed daily. Finally, she talks about how an internship provides one with the “building blocks you need for your future”. Overall, she explains how the use of having an internship allows one to become a better employee and a more knowing job applicant for a specific field.

Based on the information described by Amber, I can apply this knowledge to further become educated in the circumstances of me getting an internship in the future.

https://www.snagajob.com/resources/reasons-why-an-internship-rocks/

What Are The Pros and Cons Attending Community College?

As seniors we all decide which route to take after high school and some of us choose the option of going to community college instead of a four year college. Other students decide to transfer after two years, but then there are the few that believe community college is all they need for their career in life. Attending a junior college gives a student the advantage of a cheaper tuition fee. Most community colleges don't require students to pay more than $2,000 for each semester while attending full time. Those who choose to attend a state college or university will probably save up to $10,000 to live in a dorm or off campus but community colleges are close to home if you can't afford to live anywhere else. A study showed that 52% of students coming out of high school said that they were not prepared for the college level courses that they were taking but luckily with junior colleges there are smaller classes which will give the student the opportunity to have a closer relation to their professors. If a student plans on working while attending school at the same time Community college is a more preferable choice. It offers more night classes and weekend options than Universities will but the load of work will be much lighter. If challenging yourself while at school it may not happen in a junior college because there won't be as much work to put your time towards. Even though the junior colleges seem like great news they lack for their degree options as well as their campus. Usually most junior colleges only offer Associates degrees so if a student plans on wanting a higher education they will have to seek out a state school or even a university. Life on a junior campus is very different from state colleges or universities because even though there are clubs it's less of a social scene for current students. The worst part of it all is that even if you go to a community college and plan to transfer into a state college not all classes will be transferable. If a junior college is the right option to take a student would have to make sure the certain courses they take would be transferable and know that community college isn't a permanent stay if they plan on a higher education. Even though there may be many cons to not attend community college it still turns out to be the right choice for some students either as gateway path into a state college/university or the only schooling required for their career path.
https://www.savingforcollege.com/articles/considering-community-college-here-are-the-pros-and-cons-861?page=5
https://www.scholarships.com/resources/college-prep/choosing-the-right-school/the-pros-and-cons-of-community-colleges/

What are the effects of student debt?

      For many college students, taking out student loans is necessary to pay for higher education. The issue of student debt has come to light over the past few years due to the long-term trends that seem to be a result of it. According to Abigail Hess, a contributor to CNBC Make It, "over 44 million Americans hold a total of $1.4 trillion in student loan debt." This burden doesn't just go away a few years after one receives their degree. The time it takes to pay off student debt varies. With a standard repayment plan, it can take around ten years, yet some still expect to be paying off loans well into their forties (Hess).
      Overwhelming student debt can serve as a hindrance to reaching personal milestones. Since the recession of 2008, homeowners under the age of thirty have been in decline; however, this drop is even more dramatic for those with "a history of student loan debt" (Korkki). The money put toward debt simply makes it harder for people to afford a house. It also affects one's net worth. Vice states that "the average millennial with student debt had 75 percent less net worth than their debt-free peers." Student debt doesn't just threaten the financial stability of individual people; it threatens the economy as a whole. Those who had to endure the payment of student loans are less likely to start their own business. When "60% of new jobs are in small businesses," it is evident that this negative trend will hurt the economy. The snowball effects of student debt force graduates to press pause on personal endeavors that were once American norms and can ultimately result in a broken economy.


https://www.vice.com/en_us/article/8xjpxa/student-loan-debt-is-bringing-on-millennial-class-war

https://www.cnbc.com/2017/07/03/this-is-the-age-most-americans-pay-off-their-student-loans.html

https://www.nytimes.com/2014/05/25/business/the-ripple-effects-of-rising-student-debt.html

Life after High School

Question for after High school:

What will college be/ feel like?



Answer here:

-I'll reason with you, some people are just not ready for college. The fact that we'll become freshmen, again! Never the less, this big step we're about to take will an educational moment for us by teaching time management, ways to cope under pressure, and most important of all, what we want to do in the future.
Let be a realist for a minute. At one point, we will lose some of our friends that went to different colleges; probably far away too. Also, there might be some time that passes away, then you suddenly see someone that you've known since like kindergarten. For those who will be attending college out of state, will be at some point, most likely, call mom'ma and say," How do you work this machine!" Then, your life becomes a song from Taylor Swift. However, please know that it is never a bad timing to take a break; taking breaks can significantly improve your chances for success to push through college. College will be liberating; its a time to explore your independence. Heck, no curfew, your parents don't know if your boyfriend/girlfriend is in your room, you chose if you want to go to class or do your homework, sounds nice. College is also scary, at first. Not knowing anyone or what you're getting yourself into can be nerve-wracking, but there are plenty of resources to help you, you just have to seek them out. In addition, college classes are no joke. I've even heard that t is always better to arrive early to classes to claim a good seat in the class; you don't want to fall behind in class. Furthermore, college is where you can define who you truly are.


Citations:

Orenstein, Hannah. “19 Things Nobody Tells You About Life After High School Graduation.” Seventeen, Seventeen, 18 July 2017, www.seventeen.com/life/school/a40798/things-nobody-tells-you-about-life-after-high-school-graduation/.

Patel, Binal. “How I Really Feel About Starting College.” The Odyssey Online, 28 Aug. 2017, www.theodysseyonline.com/how-feel-about-starting-college.

How many graduates with a degree actually get a job they specialize in (major) ?

A question that seems to come up among graduates is whether the major we focus on is beneficial for us financially and something that can help others to make the economy better.  The only issue that society faces is how many graduates actually use their degree they majored in college.  Obtaining data from 2010 American Community Survey, only 27% of college graduates had a job that was related to their major.  While, the other 62% had a job that just require a college degree.  This is not a problem to society because people depend on jobs to live, buy  things they desire, and to take care of families.  But, it just shows that not many jobs require a specific field to major in.

However, there is always a job for something that people love pursuing in.  Major cities or major companies offer a variety of opportunities for people seeking a job that has to do with a major they specialized in.  The only down side of certain things that happen is moving places and adapting to a different environment.  As people, these type of choices can affect us because what if we don't want to move but we still seek money and actually like the job? Citation: https://www.washingtonpost.com/news/wonk/wp/2013/05/20/only-27-percent-of-college-grads-have-a-job-related-to-their-major/?noredirect=on&utm_term=.871aaa8dd530

Should one work while in college?

College is an expensive commitment, but is it helpful to work while in college, or is it actually more beneficial to simply focus on schooling? Does working while in college affect students’ grades and is it worth the time?

Like any subject, there are both pros and cons. Working while in college can be beneficial because, of course, it helps pay fees. Most students cannot afford an education and end up getting loans and student debt that takes years to pay off. This extra money, even if paid minimum wage, is worth it and results in less debt. Jobs also teach students important life skills such as time management and communication (www.usnews.com). These practices are essential in an adult’s daily life, and learning them early on can be extremely useful. It is actually recommended to get an on-campus job, meaning that the student works at the college in which they are attending. This helps students connect with their universities and may assist those that are searching for careers, whether it gives them experience they can use later on in their lives or just shows employers that they are a productive worker. However, jobs take up much time in a student’s day -- on average about four to eight hours every shift -- and this can limit the one’s college experience. The main reason students may choose a university is because of its activities including sports, clubs, fraternities or sororities, and other college traditions. This job would be taking time away from these interests. Along with limiting activities, jobs shorten a student’s study time which could negatively affect their grades, adding much more stress to their already-stressful lives (www.ashford.edu).

Working while in college has both negative and positive aspects, and it should be thoroughly thought through, addressing all parts based on personal need.

Do you need higher education to receive higher payment?

As seniors are choosing their paths after school, either Community College, CalState University, or State University, a couple people would ask if a higher college with a high degree would benefit you in your career. Earning a master's degree can lead you into more jobs and opportunities, but depends on your career path in which you want to work. Certain jobs require a master's degree, not only for high payment and promotion, but to be able to maintain that job that you are currently working at. As for someone to be satisfied with their career, it would be mandatory for them to receive a master's degree. When also receiving a master's degree, you could earn $100,000 plus more than someone with a bachelor's degree, but in some fields, it is not necessary for gaining more money. No matter the career, you must research your career path that would make an impact by acquiring a master's degree. In some cases, people would choose education and fulfillment over higher payment when acquiring a master's degree, just for the pleasure or motivation on having a accomplishment of what they love to do as a career and not completely for money.

People who have bachelor's degree can earn $2.27 million, while others with master's, doctorate, and professional degrees can earn almost twice as much than bachelor's degree in their lifetime. Your lifetime savings depend on which degree you have and also which major or career you want to look forward to. Getting a higher college degree would be a huge payoff and worth it until the very end of your career.

https://www.usnews.com/education/best-colleges/articles/2011/08/05/how-higher-education-affects-lifetime-salary
http://www.exforsys.com/career-center/career-articles/does-a-higher-education-mean-higher-pay.html

What are the pros and cons of college?

College has become a very controversial topic throughout the past few years. Many people have began to question if it truly is worth it and try to compare the outcomes of attending college. The importance of education has constantly been forced onto me, and I have heard nothing but positive opinions on it throughout my upbringing. My parents, teachers, and many other influences have consistently told me to attend college which is completely understandable considering the positive outcomes of it. Attending college significantly improves your opportunity for success. It gives you a massive difference for the flexibility in jobs and increases the chances of having a higher income than those who did not attend college. College not only helps financially, but it also gives students lessons and experiences that will last a lifetime. On the other hand, college will inevitably come with several difficulties such as stress. A study found that one in five undergraduates felt severely stressed, and that number has significantly increased in past years. It has a large possibility of causing financial issues as a UCLA student claims she was “drowning in debt.” The stress and pressure in college not only impacts students physically, but also mentally. There have been many students found to have depression within colleges, claiming that the stress of academics is a leading cause of it. Although college can most definitely help towards a better future, there are still many negative aspects that should be taken into

consideration. I’ve been told my whole life that college leads to nothing but great things, but overtime I’ve learned that it may not necessarily be true. Although I do plan to attend college, I do often question whether it is truly worth it, and observe the pressure it has had on current students. 

https://college-education.procon.org/

https://www.nytimes.com/2018/05/16/opinion/college-useful-cost-jobs.html

    What are the Benefits of a Dorm?

     It’s that time to start thinking about  college and adulthood. I’ve lived with my parents for almost eighteen years and I think I'm ready to take this big step. As soon as I start college I'm moving out. They say college dorms are convenient and super beneficial to you. I know that many people live in dorms because they live too far from the college or they don’t want to struggle with getting to class late. It is said by Jack Fischer on an article that, "Between school and work and getting enough sleep, the last thing anyone wants to worry about is spending time commuting to get to class on time."  It is more important to us freshman students because we are not used to the schedule we have to work with.
     Another benefit would be no bills and maintence to pay for your dorm.  If you have your own place then you would be paying bills, internet, maintenances, and utilities.  As for the dorm you have all that at a cheaper price as said in Fischer's Article.  You can also grow a bond with you dorm mate and help each other with certain subject that they have may had before.  You can teach each other something even if it's not on topic to your studies.  Your dorm mate can be is sophmore and can show you everything around the college campus.  So these dorms can really benefit you with daily life situations and with money.


https://blog.suny.edu/2014/06/the-benefits-of-living-on-campus-during-college/
   

   

What are the benefits of transferring from a community college to a university?

     One of the main benefits of transferring from a community college to a university is the low tuition and fees that the community college provides for students. At universities freshmen and sophomores typically spend about $400 to $600 or more per credit hour for basic classes such as English 101, biology or chemistry, but at community colleges the most they will charge per credit hour is $125 which saves up to about $1,425 per class. Also, while at community college for two years it allows you to get all of your general eds out of the way while saving money that you could save for a four-year college. One huge advantage of going to community college is to be able to explore the many different majors allowing you to make the best choice when deciding on your major. Many kids coming out of high school still have no idea what they want to major in and going into a four-year undeclared puts tremendous pressure on the student. Attending a community college also gives you an opportunity to improve your transcript, almost like a second chance for students who failed to do well in high school.
     There are many great things about transferring from a community college to a university, but one downside of junior college is how much lighter the work load is compared to universities. When transferring students might not be able to adapt well to the different environments and workloads. In the end, when transferring to a university you have to be able to adapt to the environment well and be ready for all of the challenges that will be thrown at you.

What can you do with a degree in business administration?

A business administration degree opens many doors to career opportunities from becoming a city manager to working as an advertising executive. Regardless of the career path you choose, the skills you learn while pursuing your degree will be put to use. Whether you are creating budget recommendations and public policies for a municipality or working with art directors, sales agents, and financial staff on contracts while selecting which products will be advertised, your degree and the coursework studied will be in full use. This versatility makes a degree in business administration one of the most practical degrees available. This coursework covers management principles and practices using communication, organizational leadership, resource management, strategic planning, financial management, and business administration with a focus on accounting, finance, information technology, and marketing. Several of the skills practiced in this degree are the same traits employers search for in applicants.
     Although the career opportunities are abundant, higher education increases likelihood of employment. Likewise, additional education leads to an increase in salary. A bachelor’s degree in business administration can add $2,000 to $5,000 or more per year, while a masters degree can add an additional $7,000 to $11,000. Other ways to advance your career in business administration include learning a new language, becoming technologically advanced, or gaining certification.

 

Baron Barajas

https://www.businessadministrationinformation.com/general-business/business-administration-degree-job-options

https://www.allbusinessschools.com/business-administration/

How much should I expect to pay before/while studying abroad?

Since I was little I have been wanting to travel abroad for a semester in college. My brothers have always encouraged me to branch out and experience different parts of the world. My parents of course are worried about how much everything would cost. There's a lot that goes into studying abroad like personal expenses, monthly rent, cell phone, transportation etc. According to, (gooverseas.com) the most visited countries to study abroad are, England, Italy, Spain, France, Germany, Australia, etc. To study abroad in England it cost between $8,000-$9,500, that is after airfare. There are some ways to save money such as, some professors don't actually have you buy the textbook because most of it is online, you can opt. for student housing, and you can get a monthly transit pass (students get discounts).

Even though, that is a lot of money, it also depends on how much money the college you attend to gives you for aid. (goabroad.com) There are different ranges of prices depending on where you go. For example, studying in the U.K. costs between $8,000-$21,000. Going to another foreign country would be $18,000 per semester. Studying at a private university would cost more but if you study at  an inexpensive country it would only cost a couple thousand. "It's important to research thoroughly the factors surrounding want you want to do to generate your own estimate". All that money that you pay go towards tuition, housing, transportation, and on going on the ground support (people that help around to get the hang of the language, where to eat, and to help you while you are sick). I know that is a lot of money but there are other ways to lower the cost than to just put in the small amount from the aid the college gives you. You can start a campaign on Fundmytravel, to let friends and family know you need a little help with the expenses, also there is getting a summer job and just saving up for the trip. Here are some programs that are affordable, CISAbroad.com , CSA.com.

Every penny I believe is worth it. No matter how much it costs, the experience will not only impact you as an individual after seeing a different culture/ surrounding. It also opens up many doors to friendships around the world and potential business connections.

Is getting your PhD worth spending about 8 years in college?

       The most prestigious degree that a student can earn from a university is the doctorate degree. It is a fact that students with this degree earn $15,000 more yearly on average than graduates with just a master’s degree, but is the process worth the trouble? Most would argue that there is too much risk involved. 

To begin with, it is essential for students planning on a PhD to know if this fits with their overall plan. This is important because participating in a PhD program is extremely costly and can be economically draining. The total debt that the average student accumulates during the four-year doctorate program is about $33,000. A second concern is the scarcity of jobs available to PhD earners. One could easily be fooled by the low unemployment rate for this group, but the reality is that these students often don’t find their desired jobs, which are usually positions at top research schools, and they have to settle for temporary low-paying jobs. Lastly, the workload is extremely rigorous and many students drop out due to being mentally drained or being asked to leave due to a failure to meet their requirements. Only 57% of PhD students succeed in earning their degree within ten years of starting grad school. 

       Unless you are exceptionally passionate about a subject, have a solid plan, and are willing to take a risk regarding your salary, it might not be the best option to get a PhD. CBS notes, “If you are smart enough to earn a PhD, you are smart enough not to pursue one.”

https://www.cbsnews.com/news/12-reasons-not-to-get-a-phd/

https://www.princetonreview.com/grad-school-advice/why-you-shouldnt-pursue-phd

How Long Does it Take to Pay Off Student Loans (on Average)?

One of the main reasons my parents have always encouraged my sister and I to go to a junior college and then transfer to a university is because of how much cheaper this route is and consequently, how it will leave us with less student debt to pay off. Many parents and students feel like a college education is well worth the money, but the harsh realities of debt can slap unsuspecting students in the face after getting their degrees.
About 70% of grads leave college in debt. Most students take out student loans expecting to pay them off within ten years, but the truth is, most people pay off their loans in about 21 years (usnews.com).  Even worse, people still paying off student debt in their 40’s have an average of $33,765 worth of debt (cnbc.com). This is a heavy burden to bear for so long, but it can be eased by refinancing loans or loan forgiveness after 20 years (usnews.com). Also, rest assured that if you plan on becoming one of the many students who go into debt to get a college degree, the expense still seems to be well worth it; according to Vox, “College graduates aged 25 to 32 are the most indebted ever, but they're also earning $17,500 more per year than people their age who didn't go to college at all. They're also much less likely to be unemployed, and 86 percent believe their degrees are or will be worth the debt they incurred.” Whether or not you choose to take out loans to pay for your degree is a personal choice, but be sure to do some research into whether or not it makes sense for you before making such a big decision!

Isabelle Goodwin

Once you're accepted to a University, when should you accept admission to that University?

Once you're accepted to a University, when should you accept admission to that University?

As seniors, we are all beginning our application process to the Universities of our choice. Some of us will apply to multiple colleges and hopefully receive an acceptance from all of them.  That puts us in the unfortunate position where we have to make a decision that will shape our future.  Once you are accepted you will receive a congratulatory package that includes more information about each university.  Each package will include your official acceptance letter. In that letter will be a date at which they would like to know if you would be attending.  One of the best things to do is to revisit your top choices. You should take a tour if you haven't already and make a list of what they have to offer. That includes campus feel, size, cost, and any other factors that may help solidify your choice.  Before making your final decision, a student should wait until they receive their financial aid packages. Your second or third choice may offer more financial aid, and if that is an essential key in furthering your education, maybe you attend one of those choices.

May 1 has been declared as National College Decision Day.  Most colleges require a decision on whether or not you will be attending their institution by this date.  Accepting admissions is as easy as going online and choosing to accept. This date is not set in stone but the sooner you accept the more rewarding it is.  You will have more priority when it comes to choosing your dorms and your classes. After you accept admission for a specific college, they will request that you submit a deposit which is normally between $50 and $500 depending on where you are planning on attending. The biggest thing to do when accepting admission is to decline all other offers.  Prepscholar.com pointed out that, “If you don’t notify a school that accepts you that you’re not attending, that would be like if a school that rejected you didn’t inform you that you had been rejected.” They also state that is common courtesy to notify the university if you won't be attending.

Making your final decision can be daunting but keeping a clear mindset is key.  Before making a final decision you should review what the university has to offer and the financial aid opportunities.  May 1 will come in no time so don't wait until the last minute to make such a big life decision!

https://blog.prepscholar.com/college-decision-day

https://www.collegexpress.com/articles-and-advice/admission/articles/college-applications/5-steps-making-your-final-college-decision/

[KC]: One-Week Research Project (FAQs)

Hi young adults! Here are the instructions for the blog assignment as well as some suggested questions in case you need a bit of direction.

The task: question + research + blog post + two comments.

Here are some ideas!

FAQ : Frequently asked questions ABOUT COLLEGE
What kind of college do you want to attend? What are the costs of attending, including tuition, housing, books, and materials?  Who is accepted? What is the graduation rate? What kind of financial, social, and academic support is offered there? What is life around the college like?  When are the application deadlines? Is there an Honors Program? What are the admission requirements? What majors are offered? What can you do with the major?  What kind of knowledge is associated with your major? What sort of things do majors read and study? Does this campus serve Coke or Pepsi?

FAQ : Frequently asked questions ABOUT WORK
What kind of activity does this job require?  What are the common tasks? What are the working conditions?  What skills or abilities do I need to have? What do I need to know in order to do this job?  What kind of preparation do I need for this line of work? How do people get hired? What can I expect to get paid for this work?  What are the chances for advancement? What is the outlook for this kind of work in the future? What programs help prepare for this kind of work?  Are there any resources that can help me learn more about this line of work? Are there internships available?

POOF! You are empowered to write your own question if you don’t like any of ours.  What do you want to know? (“How much is rent for a studio apartment in Long Beach?”) Go find an answer about life after high school.