How to Pay Off Your Student Debt

Ok, so I may ruffle a few feathers here because I'm about to NOT be "Politically Correct." 

You've got college debt? PAY IT OFF! You signed on the dotted line. You were/are an adult. It's your responsibility. Period. You will never hear me say that anyone else should pay it, or that the federal government should "forgive" your loan. Man-up!

Now that that's out of the way, you didn't have a plan to pay it off, or life got in the way as it often does. Life happens to everyone. So how CAN you get that monkey off your back? Here are a few suggestions.:

Sacrifice some time for money. Instead of going home after work, get another part-time job or side gig. If you're having trouble coming up with ideas, a side gig can be anything.  Anything you do well you can teach others how to do for pay. Teach an educational subject, tutor, or teach guitar or piano lessons. Pet sitting is an easy gig for before and after your 8 to 5 job. Mow lawns, rake leaves or pull weeds....

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What if your employer offered the benefit of free college tuition?

What if your employer offered the benefit of free college tuition? (Good Idea or Bad Idea? What to look out for!)

I was recently asked to comment as a news source on this topic. 

From the employee, your adult child’s, perspective.:

Each year a few more employers join the ranks of others that offer tuition benefits to their employees.

Is it a good deal? 

-It could be a great idea! You’d have to live on another planet to not have heard of the rising cost of college tuition, so the thought of having someone else pay for it should make your ears perk up. For many this can be a great alternative to paying for college out of pocket.

What things should they know or ask? 

(A) Nothing in life is free, except your mother's love. Any company offering tuition incentives is going to want something in return. Usually, that means a commitment to working at the company for a certain number of years, or you’ll have to repay the cost that they incurred for your...

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Your Teen has a Brand: Social Media Can Kill Your Teens Future

 

Your Teen has a Brand: Social Media Can Kill Your Teen’s Career & Future!


To parents of teens & college students, & those that teach & counsel them. If you haven’t had this discussion, & if you have, remind them again & again.

Every employer, scholarship agency & college is monitoring perspective student/intern's social media content. This before they hire you, and during employment as an adult! Creepy, I know. But hear me out.

Companies don’t want to be seen in a negative light. On your own time, you are still an employee: What you do, who you are, reflects on them.

Potential illegal activity should go without saying. But the following can and has been cause for dismissal.

Alcohol, holding a glass of wine, being drunk, get tagged in a post or photo you’re NOT EVEN IN, but now you are associated with the behavior.

Personal Faith
Racism
LGBT
Abortion
Gun rights

When your faith is strong, it’s likely you’ll post or...

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Kim asked, "Is the NSHSS (National Society of High School Scholors) Legitimate?"

Kim: "What about the National Society of High School Scholars? I was a part of the National Honor Society in public school, so I was super excited to get the invitation for NSHSS for my homeschooled daughter. My husband is unsure of it (its legitimacy and value) since it requires a $75 membership fee. I love the idea of her having a cord/stole to wear when she graduates, but don’t want to waste money and time on something not worth it."

My answer: 

There are a lot of people who swear it’s not a real organization or that it’s a scam. They would be wrong.
 
It is real. They do have scholarships. It’s a one-time fee. It’s been around for decades AND there is a collegiate component that has chapters on hundreds of college campuses.
(Remember the decades of disinformation around chiropractic that said it was quackery? That was started by the AMA and it was deliberate. It was only stopped by a court order.)
The NHS, The National Honor Society,...
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How to Study for the PSAT Exam?

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HOW TO STUDY FOR THE PSAT EXAM:

Take the SAT exam practice tests. Study for the PSAT by using the same study materials and strategies as for the SAT. 

Use test-taking strategies, for example, do not leave any answer blank. To ensure this happens, when you near the last 5 minutes of any section, jump to the last question on that section and begin filling on bubbles on the answer sheet, stopping 3 or 4 from the one you left off from. What bubble to fill-in? One of the strategies is to DECIDE right now which bubble will be your, "I have no clue" answer bubble. (Choose bubble 1, 2, 3, or 4. Never the last, 5th bubble.) Since answers are mostly evenly distributed throughout the test, always choosing the (?) bubble ensures that you'll get 25% of those 'I have no clue' answers correct. 

Take the SAT practice tests under test-taking conditions--no distractions. No cell phone. No getting up from the cair except for ONE 5 minute break sometime in the middle.

After taking the...

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Why is the PSAT important?

WHY IT'S IMPORTANT:

In the Junior year, the PSAT exam counts as a qualifying exam for the National Merit Scholarship. You are only competing against other juniors in YOUR state. 8000 first-place winners are chosen as National Merit Scholars and the scholarship for that can be anywhere from $2500 to $100,000 depending on the college you choose to attend. 

For Freshmen and Sophomores taking the PSAT for practice has been shown to increase the junior year scores by 15 points. So this is important.

If the parents work for any of the corporate sponsors there may be a scholarship available through the parent's employer for taking the exam and doing well. Generally, if this is the case, the corporation has an application that must be submitted MONTHS in advance of taking the exam, sometimes as early as winter of the sophomore year. Check the list:

 ...

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Are Grades Important?

I recently read an article in which the author opined that as a society we are much too grade-obsessed and that grades are not indicative of the real world. The author went on to say that the obsession with grades makes the transition to employment difficult. I disagree.

While grades may not be the best method of determining mastery of a subject, it is what we have today. High school grades, especially grades received in rigorous courses, colleges say are the best indicator of college success. In other words, if you can handle college-level work in high school you will likely pass and graduate from your 4-year college or university.

I will however caution parents and teens with regard to the number of rigorous courses taken in high school. It's unnecessary to take 15 AP courses to impress colleges admissions. For the vast majority of teens, taking an abundance of rigorous courses in high school will likely result in less time available to pursue extracurricular activities, community...

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Mind the Gap: Is Your Teen Considering Taking a Gap Year?

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Is your teen considering taking a Gap Year? What are the Pros and Cons?
A gap year can be very good for your teen IF they have a good reason such as…

-exploring opportunities that will help them decide on a college major or career path
-working to save money for college cost
-traveling worldwide to expand their knowledge of self and experiences
-working with a mission team abroad
-etc

However, if they are going to spend their time playing video games then no. This is not a good idea.
 
Colleges like it when a teen has a plan and fulfills it.
 
Assuming college is the next step after a gap year there are 2 ways to approach it. If the teen does not have the stats for scholarships then this part is not a big deal. However, if your teen is expecting scholarships, then the teen should talk with the admissions (and the financial aid/scholarships) office of the schools he plans/hopes to attend and ask how they prefer he approach it?
 
Some colleges...
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Why is College So Expensive?!

Why is college so expensive? 

I recently answered this question for a national media outlet. 

So, why IS college so expensive? And what can teens and parents do to minimize the cost?
 
We could ask the same question of buying a car. Most people wouldn't pay the "sticker price” when buying a new car. There is plenty of negotiating room.
The same is true when it comes to paying for college.
 
Higher education is a business. And businesses can charge what they want, reasonable or not, for their product. It’s your choice to buy a $200 cotton t-shirt from a fancy department store brand, or buy a cotton t-shirt from a discount store.
 
Parents and high school counselors are in shock over the “sticker price” of college costs. But the truth is, 76% of American students pay on average 56% of the sticker price. International students tend to pay the full cost. As an American, you have to actually WANT to pay full freight. Those...
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Ivy Day: Why You Shouldn't Care

This year, Ivy League schools chose April 6th 2021 as the date they announce their regular decision acceptances, otherwise known as Ivy Day. (Turn on the waterworks 'cuz here comes a flood of tears.) An average of 90%  to 97% of applicants will be rejected. Even fewer this year than last due to many students taking a gap year in 2020 due to covid restrictions. But here's the truth.:

It doesn't matter, not one iota, where the degree comes from.

We've been fed a lie and a lot of marketing hype. And I can prove it.

It may seem strange for someone in my position to dismiss Ivy schools, after all didn't we have a huge scandal with parents, teachers, and counselors cheating to get their kids into these "top-twenty" schools? So it must be important, right?

First, let me assure you, I've done the research. Those who know me, know that I will research to the death, to be absolutely certain, before I state anything. The research, and not just mine (Google Dale &...

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