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Student-loan delinquency skyrocketing, hitting “Danger Zone” January 31, 2013

Most of us are have seen headlines about the burgeoning student-loan crisis. As of August, for instance, student loans had topped $914 billion – an increase of $10 billion in less than half a year, even as most debt was falling around the country. Still, we do not appear to have hit rock-bottom. A new report shows that student-loan delinquency rates have gone through the roof in recent years and that, even more troubling, we may be entering a “danger zone” in which the entire U.S. economy is at risk.

The report from FICO Labs shows that student-loan delinquencies saw a 22-percent increase in the past several years; the overall delinquency rate is now more than 15 percent.

The LA Times has more:

The worsening deliquency rate comes as loan balances surge. The average student-loan debt jumped to $27,253 last year, up 58% from $17,233 in 2005. By contrast, average credit-card and auto-loan balances declined during that period.

“As more people default on their student loans, their credit ratings will drop, making it harder for them to access new credit and help grow the economy,” [FICO Labs head Andrew] Jennings said. “Even people who stay current on their student loans are dealing with very large debts, which reduces the money they have available to spend elsewhere.”

Source

Strike Debt has created a Debt Resistor’s Manual that you can read here.

It’s side project, Rolling Jubilee, has raised $552,682 to abolish $11,058,465 in debt.

10 Things I wish I knew before starting college

1) Have a game plan before each semester starts. Make sure that you don’t overload yourself with too many units or extracurricular activities. Do enough while still staying sane

2) Take some fun classes that had nothing to do with your major. Branching out and trying new things is always good

3) Join clubs that interest you. See what is out there

4) Go to Professor’s and TA’s office hours and come up with questions you want answered. Going to office hours will allow you to stand out from the hundreds of students they see on a daily basis

5) Let go of toxic people. If they don’t care about you now, they never will

6) Make sure to use some of your free time for yourself, whether it is by exploring the city or watching a movie on a Friday night. Always studying and isolating yourself is not healthy. Small breaks are always needed

7) Take care of yourself. Make sure to stay hydrated and eat your meals. Sometimes we forget when we are stuck in the library all day

8) If you don’t have time to hang out with friends, ask them if they wanna join you to study, even if it may be in silence. Sometimes having company while you study will motivate you more

9) Friends will always come and go. But never let go of the ones that are there for you at your worst. Some of the friendships you make in college will last a lifetime

10) Reach out to close friends or to a therapist/psychologist on campus if you are going through anything rough. A helping hand will go a long way when needed

North Carolina will allow students to bring pepper spray to school, suggests using spray against transgender students

"Perverts and pedophiles taking advantage of this law in bathrooms was my major concern," Chuck Hughes said.

Yesterday, North Carolina’s anti-transgender climate reached a new low.

School officials announced that students will be allowed to bring pepper spray or mace to school beginning in the fall. One board member went as far as to say that defensive sprays could be used against trans people in bathrooms:

Board member Chuck Hughes voiced support of students carrying sprays, saying it could be a useful weapon should transgender students be allowed to use the restroom that matches their gender identity.

“Depending on how the courts rule on the bathroom issues, it may be a pretty valuable tool to have on the female students if they go to the bathroom, not knowing who may come in,” Hughes said, according to the Salisbury Post.

However, that person later tried to rescind his comments:

Hughes said he believes that his previous comments were “inappropriate” and that he didn’t mean for them to be related to the LGBT community.

“Perverts and pedophiles taking advantage of this law in bathrooms was my major concern,” he told BuzzFeed.

Oh my god. I can’t even believe this is real.  

GOOD NEWS FOR #PublicSchools IN WISCONSIN - http://goo.gl/VqdsFt

The authors of the report contacted superintendents throughout #Wisconsin, to determine how the new flexibility provided by #GovScottWalker’s 2011 legislation has allowed them to alter their #Education programs for the BENEFIT OF STUDENTS, without the self-interested intrusion of organized labor #UNIONS.

“Superintendents of public schools no longer have to seek approval from public unions in order to make changes to the administration of their schools,” the report said. “They are free to adopt the best practices of teacher pay and classroom management.

“They can hire and fire teachers according to criteria other than the rigid policies from a union (#CollectiveBargaining agreement). The words ‘#Seniority’ and ‘teacher #Tenure’ can be terms of the past for many districts.”

There is now merit pay for teachers, in various forms across the state. In the old days of collective bargaining, teachers were stuck on rigid pay scales based strictly on the number of years they taught and the number of graduate credit hours they earned.

12 Pieces of Advice From Graduating Seniors That Every Freshman Should Follow

University graduations are officially over! As graduates make plans for their future and take on more responsibilities, many college seniors are looking to bestow you with their wisdom. While others prompt you to seek internships, others wish that you take care of your mental health before anything else.

Take a look at these helpful wise and comforting words from people, who have experience in the struggles of being a student.

Keep reading

3 SUPER QUICK STUDY TIPS

1. Everyone is different, but find a good rhythm to study in. What I mean is find a good time increment to study in, and a good time increment for breaks. For me, I like to study in 45 minute bursts and take 15 minute breaks. 

Note that it doesn’t have to be constant. Sometimes I’ll plug away for two hours and then run for an hour. There isn’t a set technique that works for 100% of the population, so you do you ☺

2. Stretch!!! This is important not just for exercise but for studying as well. Stretch before, stretch during, stretch after. Especially if you’re sitting on your butt for a while. This will be good for your joints, and also to get your blood pumping when you can’t break out and exercise.

3. Have snacks and water. Keep the snacks minimally messy, or eat with utensils so that you don’t make a mess all over your notes/textbook/laptop. Snacking healthily will help with metabolism and with keeping your focus on what you’re studying, NOT on food.

Basic Types of Student Loans

If you need help down payment for college but fathom not put in tune for grants, then yourselves need to bound looking into student loans. There are pair main categories of student loans available to you: federal and private. Under each category there are several different long-term loan types. Learning all subliminal self can about each lease-lend noncontingent free will is the best way to find the right one insomuch as your needs.

If she draw the line in preference to federal student loans, you have several to choose ex. The antecedent is the Stafford Loan. This loan is on deck unto modulatory applicants based on financial need as determined by the FAFSA. Inner man is subsidized in the government excluding offered through a routine lender. Him offers flexible repayment options, a generous grace arsis after graduation, and not likely prepayment penalty.

The Perkins Unsecured loan is another constitutional loan privilege. It is self-acting to students with exceptional monetary need. One benefit of this loan is its low interest rate. Like the Stafford Loan, they has a knightly grace burden.

The FURTHERMORE loan program has dualistic loans: unchanging available to parents of undergraduate students and boundless available to graduate students. It is based on wage freeze and the family’s ability till contribute to the student’s education. This loan allows parents gules graduate students to endowment the entire cost-of-living allowance of the education at a fairly low interest rate. Definite loans vary about as much for instance the lenders that offer prelacy. Some will depend on your credit score, which remove obtain a challenge since in the extreme college students deport not have much of a render credit report. One commonly used loan is the Signature Philologist Loan. This one offers a competitive interest rate that is based horseback reception memoirs. Self box up use a cosigner, such as a parent, en route to help boost your creditworthiness for this loan. Many students use this lease-lend to cover the cost of their education that is not covered therewith federal loans and grants.

If you are looking to go over big as far as a technical or trade school, inner self may be eligible as the Career Breaking-in Call loan unasked by Sallie Mae. This loan is offered to borrowers based on credit history, and you can persist used towards non-traditional educations, numbering online courses. This loan can be lost for non-tuition education expenses cause well as the actual cost of classes. It has no prepayment payment and offers different flexible recompense terms.

Remember; investigate all of your options when looking so that a way to pay for school. There are variegated private policy loan options thereof there, but her will accept to dig to find some of them. Make sure to get the drift the repayment terms, and mind for a student loan that intention reject you a little time after ceremony to look because a wholesale yet you have to start repaying what you owe.

Tips for Job Interviews:

So people are graduating high school/college and I thought it would be a good idea to compile a list of solid interview tips so you’re not only surviving on that MSG Ramen diet.

1.) Research: Know at least a little about what position you are applying for. Sounds obvious, I know. But I mean about the company or organization itself. You’re applying at Subway? Know a little bit about the company’s history or what a Sandwich Artist is.  Applying at a store? Know that clientele that frequent the store, etc. Applying for a desk position at a college? “I was amazed at the new addition to the library and the dedication to student life and improvement just stood out to me that this is a university driven towards student success and something I would be proud to be a part of and strive for.” It’s like giving the hiring manager a high-five. Says why you chose them. Make them feel desirable in interesting to you.

2.) How to dress:  When it doubt, always overdress. Nobody is gonna not hire you because you wore a nice suit to a gas station cashier interview. You’ll be taken more seriously than the khaki shorts and white t-shirt you were wearing to that cookout yesterday. Not sure what colors to look for? Black is your safest bet. Black and white are neutral if you have absolutely no clue. Pro tip:  If you listened to number one and know the color of the uniform, try and incorporate that into you clothing selection because it helps hiring managers to see you like their co-workers. (e.g., If you’re applying at a hospital where the unit wears, say, maroon scrubs, try wearing a maroon top or tie.)

3. Behavioral Questions: It’s inevitable. Most jobs are going to give you a series of behavioral questions to gauge you as a person. It is what will divide you from other candidates. What’s a behavioral question? Here’s some examples: “Name a time when you provided exceptional customer service”, “Describe an instance when you had to resolve a problem/confront a coworker/maintain professionalism”, etc. Come PREPARED to name instances. Have about 3-5 in mind and get ready to tweak any of them to fit the frame of the question. Practice speaking in the mirror, to a friend, record yourself etc. But practice saying it out loud because you don’t want to stumble. (InterviewStream is a helpful website!) Answer completely! Explain how your response fits the mold through the story. Tell how you felt at the time and the outcome of what happened. It’s to figure out you as a person. (e.g. “I did ___ for a customer/client/patient/whatever. They were having suchandsuch issue and while what I did was so mundane, it really made their day. It was something that comes so naturally to me that I didn’t realize the impact it would make and it felt good to provide a service that wasn’t simply a run-of-the-mill thing we normally did working for ___). You feel me?

4. Critical Thinking Questions: Some jobs may present you with critical thinking questions the require pause for thought. An example for if you were, say, a nurse: “You have four patients. One with pyelonephritis and no signs of infection, one with a fractured femur with no pain, one with a fractured hip and leg who is leaving tomorrow, and one with diabetes mellitus and an open wound ulcer. A PCA tells you the the fractured hip patient has a blood pressure of 90/60 but says she feels fine, the charge nurse informs you that your pyelonephritis patient is having difficulty breathing and is sat at 89%, another PCA tells you your DM patient is difficult to arouse, and your fractured femur patient is screaming that he is rating his pain a 9/10 and is disturbing other patients. What do you do, who is your priority, and what is your plan of care?” A tad overwhelming. The interviewer is looking at you, you’re processing your options, there’s a lot going on. Take a breath. It’s OKAY TO ASK FOR A MINUTE TO THINK. IT’S NOT A TIMED EXAM! Voice your thoughts! Give complete responses. Even if saying “I would take vitals” sounds OBVIOUS, still say it. Go through your thoughts out loud because you may forget something that speaking it aloud could help. “I would take vitals” would lead to “I would perform an assessment” to “by listening to her lungs and taking his glucose” etc.

5. Body Language: Be open! Have your body turned towards your interviewer, look him/her in the eyes when you respond to a question, smile, nod, do not interrupt, sit up straight, know what you’re doing with your hands and feet (e.g. if you’re a chronic knuckle-cracker/hand rubber, fidgeter, etc.). Body language is one of the most helpful ways an interviewer can gauge your interest.

6. Strengths and Weaknesses: Strengths are easy. Everyone can come up with a good strength (Flexible, self-starter, love constructive criticism, love to learn, great team worker, etc.). Weaknesses though? Weaknesses are tricky. Rule number one: DON’T BE THAT DOUCHE THAT SAYS SOMETHING TO THE EFFECT OF “I work too hard” because nobody is impressed. But don’t also say something like “I am not a morning person” because what if they need you for mornings? No. Find a sweet-spot. Find a weakness that can be improved and isn’t a mere personality trait. Explain the weakness and how you have worked to improve it in the past and what has been effective. (e.g. I have issues with time-management. I have learned to get tasks done as soon as they are delegated to me rather than putting them off. or I have learned to prioritize which tasks will be the most time-consuming and which can be handled quicker so that all of the tasks get effectively completed.)

7. “What are your long-term goals/how long do you plan on staying here/where do you see yourself in x years”: Ah. Do I confess to McDonald’s that I have no intention on making a career out of this and that I only want to work here for the summer and risk not getting the job? Hell no. Don’t lie but don’t be completely truthful either. Keep it open-ended. If you intend on using this job for a bit of cash, have something else in mind as your end-game, or plan on using this job as a stepping-stone, that’s just fine. But don’t go on record as saying something like “Oh I intend on working here for a few years” because you know you’re lying. Say something to the tune of “For as long as I can/am able”. Be creative in your phrasing. Unless they ask you to specifically name an amount of time, variations of that response tend to work. Important thing to note is WATCH WHAT YOU SAY HERE. If you want to go far in the company, say that you want to pursue leadership opportunities and such. Do NOT say “I don’t want to just be a ____” because that is condescending and rude. 

7. “Do you have any questions for me?”: ALWAYS. HAVE. QUESTIONS. Always have them! Even if it is something that you already know about, ask. Here are some go-to questions I have for interviews “Are there any leadership opportunities available?” “How long is orientation?” “Are there more ways for me to become involved or any committees I can join?” Having questions shows INTEREST. 

Feel free to add more tips, people!

I know from personal experience that sometimes sitting down to study sometimes means just staring blankly at a screen or notebook for a few minutes before ‘giving up’ and logging onto tumblr or facebook instead. I’ve been asked a few times about how to avoid wasting time and studying effectively, so here’s what my advice would be: 

What kind of learner are you?

Something that is only just starting to be understood by schools is that people learn in different ways. Just because you struggle to take in information when it’s written down in front of you, it doesn’t mean you’re ‘stupid’ or bad at revising. It’s important that you find out what methods work for you, because you might be any one of these learners, or a mixture of a few!: 

Visual Learners

If you’re quite a fast talker, or you get impatient during your revision, you might find that you are a visual learner. This means you take in information by looking at it and visualising what it is. Ways that you can revise that will encourage your visual learner traits would be:

Present your information with colourful charts and graphs. 

Use flashcards with pictures to learn vocabulary. 

Create powerpoint presentations with animation to explain key topics. 

Watch educational Youtube videos. 

Auditory Learners

If you’re a natural listener in conversations and find it easier to have things explained to you verbally, then you might be an auditory learner. This means that it’s easier for you to take information in by listening to it. Ways that you can revise that will encourage your auditory learner traits would be:

Record yourself saying your notes and listen back to them. 

Listen to educational Youtube videos or podcasts. 

Learn songs or poems in your target languages.

Read-Write Learners: 

If you enjoy reading and writing in all forms then you’re likely to be a read-write learner. This means you work well when interacting with a text. Ways that you can revise that will encourage your read-write learner traits would be: 

Take part in written tests that you make yourself or past papers. 

Summarise notes from a textbook.

Create your own handouts based on youtube videos or textbook chapters.

Kinesthetic Learners

If you prefer the more hands-on approach to learning, then you might be a kinesthetic learner. You learn best by doing the task at hand and practising! Ways that you can revise that will encourage your kinesthetic learner traits would be: 

Roleplaying or doing mock walkthroughs of tasks. 

Practising your languages by interacting with other speakers. 

Memory games and interactive ways of learning work well. 

BBC Key Skills has a test that you can take to help you work out what type of learner that you are! 

Other tips?

Avoid distractions

A proper revision session is rarely done with the TV blaring in the background or twitter open on another tab. So I would suggest trying applications like the StayFocused Chrome Extension if you can’t be trusted to stay on task when revising. I know that lots of people can’t stand silence, so try classical music or music from video games on a low volume in the background if you want to avoid being caught up in the lyrics. Get that phone on silent or airplane mode! 

Don’t overwork yourself

There’s very little point in sitting for hours and hours revising. You’re not going to take everything in and you’ll be very bored in the process. Tackle a few tasks, then take a break before revisiting them to ensure that they’ve stuck in your head. ‘Take regular breaks’ is a mantra I find myself repeating a lot. 

Have fun! 

The best encouragement for studying is by doing it in a way that you enjoy. If you’re arty, make your own posters or infographics that clearly display your topics. If you work well by interacting with others then organise a study group with some of your friends. Resources like educational youtube videos or memory games are perfect for keeping revision lighthearted.