Saturday, January 30, 2010

When your college degree is not in high demand

So you graduated college, but realize your degree just does not cut it. There does not seem to be any careers worth doing with your college degree. If this describes you, here are a few tips for adding potential to your degree.

Above all, don't limit your career choices. Just because your degree is in history does not mean you need to be involved with a history related job. Think about jobs that use the skills of a history major. From an archivist to a job in economics. There are also related jobs in print and film media. If you went with a degree in English or similar major, you don't have to work with writing stories. Your skills with words and writing would fit nice in public relations and technical writing for things such as websites. How about ad copy and working for a marketing company? Psychology majors can have second thought as well. Perhaps you are having trouble with getting a job working in a psychology field. Think about where people skills and analyzing data comes in. Human resources departments are a perfect fit. What other departments use analysis of some kind? Police officers and law offices are others.

This leads to another point. You have your degree, but it may need a little extra tweaking. That is, a few more classes or skills. Getting a certificate or certification in a related field would be a big plus. Getting a masters degree in a related field could be an option as well. Many graduate degrees do not require the same major in undergraduate work.

Remember that any college degree is a valuable thing. Putting it to work in your favor is up to you.

>>How to be a teacher and get a job.

>>Cheap College Textbooks.

>>College Money tips, Scholarships, Student Loans, Grants, Financial Aid

>>Pell Grants

Friday, January 29, 2010

Pell Grants

Pell Grants are a federal program that gives money to current and prospective college students who are financially needy.

Many students skip college because they feel they can't afford it.

The amount of a Pell Grant you get is dependent on your financial situation. Many factors are taken into consideration. Family size, number in college, are just two. Don't think because you are not poor or low income you will not qualify for at least some of a Pell Grant. Your individual situation will be the sole deciding factor.

You need to get your FAFSA filled out before June 2010. This deadline may be shorter in some states to qualify for other grants. Other states have grants as well for needy students, and some grants for students are in the top tier of their graduating classes.

If you really want to go to college, do not let your income shortcomings keep you out!

>>30 quick college money savings tips.

>>Financial Aid Secrets.

>>Student Loan Consolidation.

>>Buy Cheap Textbooks.

Tuesday, January 26, 2010

Paying for college in bad economic times

The economic times have been bad. We have been under a recession now for all most two years. But that should not deter you from going to college. You can still get money or make it cheaper.

Go to a community college
Your local community college is much cheaper than any school you can ever go to. You can complete the first two years of a degree there and then transfer. Many of these two-year schools have transfer agreements with local universities. That is, if you graduate from the comuntiy college, you get guaranteed admission.

Apply to as many college as you can
You never know what type of financial aid package you will be offered. The more colleges you get accepted to, the more you can comparison shop. If the college wants you, they will try and beat another offer.

Get terrific grades
Scholarships and some grants are based on performance. Since money is tight, the better student you are, the more likely you will qualify.

Private colleges have more money
That's a fact. They want the best students gracing their campuses. If you get admitted to large private universities like Stanford, Harvard, and Yale, they will do their best to meet your entire financial need. Many others do as well. There are many Tuition Free Colleges.

Don't forget the cheaper colleges
There is no shame in going to a cheaper college. A college degree is a college degree for the most part. Visit any company around you that requires a college degree,and do a poll. Chances are if you ask 10 people where they went to college, you would get 10 different answers.

Remember: You cannot get ANY financial aid until you fill out a FAFSA!

>>College Money Secrets

>>Find and Buy Cheap Textbooks

>>Best college scholarship books

Monday, January 25, 2010

Obama proposes new student loans rules

President Obama has proposed changes to how students pay back student loans.

Obama's proposals include:

-The payment on a student loans would not exceed 10% of your income that is above a certain basic income level.
-If you are working in public service, and you pay on a student loan for 10 years, the rest will be forgiven.
-If you are not working public service, and are paying student loans, after 20 years the rest will be forgiven.

Stay tuned for more information on these student loan repayment updates.

If you are struggling to repay you student loan, help may be on the way!

>>More tips on repaying student loans.

>>Student Loan Consolidation.

>>Find and buy cheap textbooks.

Saturday, January 23, 2010

Finding cheap college textbooks

Textbooks are one of those hidden costs of college that can take a big chunk out of your budget. College students down realize that textbooks can cost several hundreds of dollars for each term.

Today's college student has one advantage when looking for cheap textbooks. You can comparison shop online and find the best deal without leaving home.

We have added a search box on our college money tip for you to type in your searches for textbooks and instantly find them online. Visit now and start searching for cheap textbooks.

>>5 jobs college students can get now.

>>Best college scholarship books.

>>Nursing Scholarships.

Wednesday, January 20, 2010

Good News and Bad News on Financial Aid for Students

If you are a college student looking for financial aid and planning how to pay for college, there is some good news, but also a little bad news.

The government has made paying back a student loan a little easier. At least for those who have limited income after graduation. Your payment can be based on your income. Your student loan payment can be a maximum of 15% of your income.

Filling out your FAFSA online has gotten easier. There are fewer questions. This only pertains to the online version.

You can get up to $2,500 back in tuition when filing your income tax. Even if you don't owe tax you can still get $1,000 in cash back. This is the American Opportunity Tax credit.

If you have a financial need, your grants are getting bigger.

Are you looking to apply out of state and worried about out of state tuition? Many state colleges and universities are lowering or even doing away with a higher rate for out of state applicants.

Federal student loans are getting a lower interest rate.

Now here's a little bad news. Colleges and universities are raising their tuition. The total number of scholarships and the available money is going lower. Competition will be fierce. Get in early on these college scholarships.

>>30 ways to lower your cost of college now.
Credit Cards and College Students.

>>College Cash for Free


Saturday, January 16, 2010

Top ways college students can waste money

College students need to watch their money. Many times, students think that little things don't really matter. But they can add up. If you are a college student on a tight budget, don't waste your money on things like this.

Cell phones are one thing college students just cannot seem to be without. But you can make them cheaper. Get a cheaper plan and watch your usage! If you cut your bill from $100 a month to $50 a month, you can save $600 a year. That's a lot of cash for a college student.

You don't have to have a coke. Soft drinks on campus are a huge money waster, but it does not seem like much. $1.50 a drink, at 2 a day, amounts to $90 a month. Over the 9 months in school, that's over $800! Drink water and carry a reusable water bottle. Not only can college students save money, it will be better for your health.

Is your dorm room or apartment full of magazines? These can cost up to $5 for each issue. Your college library or local library probably has these available for free. many local libraries give the old issues out for free, or at a few cents each. Check out books or other reading material from the library if you need it. Ask your family to send you their used copies.

These are just three ways that college students throw their money away.

>>Read 30 more college money savings tips.

>>Save money on textbooks.

>>More ways to save money in college.

Wednesday, January 13, 2010

College Students and Student Loans

The federal government has come up with new guidelines for making student loans. This bill was passed by the House and is awaiting for Senate approval. This bill is to help college students get the best loans possible, avoid getting deeper into debt, and avoid predatory loans from private sources.

It is called the "Wall Street Reform Act" and is designed to create an agency looking out for consumers. Keeping college students from getting unfair loans would be one piece.

College students looking for loans (or even not looking) may get several offers before even meeting with their financial aid office. Many of these private loans look good at first, but many will put you deeper in debt than you need to be. Plus, the interest will probably be much larger when you start the repayment. Many students who at first get these private student loans may not even know they are eligible for federal student loans at a much better rate.

The problem is that students are looking for quick money and a lot of it. But you don't really need the money quick. Your college will hold your bills until your financial aid comes through. And, you should never borrow more than you need to fund your education. There is no real need to get an extra private loan of thousands of dollars just to party.

The rules would force the private loan institutions to verify that borrowers are college students who have the correct enrollment status, and they will also need to inform the potential borrower that they are indeed eligible for federal student loans. Students who choose a private student loan would also be required to attend a loan counseling session, just like with a federal loan.

>>More information on student loans.

>>Repaying Student Loans.

>>More money for college tips.

Friday, January 8, 2010

Easier to apply for financial aid

In order to get any financial aid for college, from student loans to grants and scholarships, you do need to fill out your FAFSA.

But this year filling out the fafsa form should be easier. If you had a lot of trouble in the past, this year's fafsa has been shortened. That is, fewer questions to answer.

To make it even easier, get all of your financial documents in order, as well as your parents. With all numbers in front of you, filling out the fafsa can be streamlined.

Even if you or your parents have not filed income taxes, you can still fill out a fafsa and make estimates. Then later, you can make changes. It is very important to fill this form out as soon as possible. There may be limited money in the grant and scholarship pool and the early student gets the cash.

Oh by the way. The simplified version of the fafsa is ONLY available online. If you choose to fill out a paper form, expect to spend the same amount of time. This is to get college students to only use the online form. Remember, fill out your FAFSA here.

If you think you need help filling out the fafsa, there are volunteers all over to help you. Many YMCAs and churches are giving you free help. There are many other organizations to help you as well. Just contact a local YMCA.

Get that FAFSA in early! In fact, even now many college students have already done so. What are you waiting for?

>>College Financial Aid Tips

>>30 college money saving tips

>>Financial Aid Secrets

Wednesday, January 6, 2010

College Tip: Turn old textbooks into cash

If you are a college student, you probably spend quite a bit on textbooks. And then you have a pile of them at the start of each new quarter. You should not let them lie to rot, but sell them to put some cash back in your pocket. There are many ways to do so.

Easiest place is probably the college bookstore if that's where you bought them. Look for the dates and times they are buying them back. But, they may not give as much for your textbooks as other places. Also, if you bought them at a local college textbook store, you may be able to sell them back there as well.

Beware of new editions. Many professors and students insist on the latest, greatest edition, but many times the old edition is just as good. You may have to ask for a lot less if there is a new edition. A way of saving on textbooks is to go with an earlier edition if you can. You can save a bundle.

You may be able to get more for your used textbooks by selling them online at ebay, craigslist, even amazon. You will probably need a paypal account as well. If you bought textbooks from an online textbook seller, like, you should be able to resell back on their website.

Other places to sell books: Social networking sites like facebook, twitter, myspace, but you may not get as fast of a response like on the previous mentioned.

Don't wait to resell them. A week after a quarter starts is probably too late. Factor in your shipping cost if selling it online.

Don't overprice your books. Just because the college bookstore gets $50 for a certain crummy used book, yours is probably worth $25 or less.

When you buy a textbook, keep in mind the reselling process. That is, keep the book in great condition. Students like marking and highlighting texts. If you plan on reselling your book, skip the defacing. Keep the pages and corners in good condition. And most important, keep all materials it came with: study guides, cds, cards, etc. This will make the book more sellable and worth more.

>>More tips on saving money on college textbooks.

>>30 any college student can save money.

>>Financial Aid Secrets.

Saturday, January 2, 2010

College Students and Auto Insurance

One of the biggest expenses college students can have is a car. Gas, upkeep, and car insurance can add up. If you insist on having a car while in college, beware of what auto insurance companies can do.

Don't take the first policy offered by someone who is an agent or even the company. They are trying to sell you the best car insurance policy for them, not you. Ask for a cheaper rate or how you can lower the auto insurance they are offering Talk to more than one agent as well. If they know you are comparing policies, they will offer cheaper ones up front.

If you are under 25, forget a really cheap policy. No matter what, car insurance companies do like under 25 age drivers.

Car insurance companies are checking your credit history now. Bad credit may get you a higher policy or even none.

If you currently have insurance, it can pay to shop around. But many auto insurance companies will not cancel your present coverage, even after you get a new one from a different company. In fact, they may even bill you for the premiums and report you as being past due to a credit agency. We know that sounds crazy, but it does happen. Don't cancel your policy until you have a new one. A lapse in coverage may make you uninsurable to the next company. Auto insurance companies have a policy cancellation form. Use it. Make sure your new policy starts at exactly the same time your current policy is canceled.

>>More tips for college students and car insurance, discounts.

>>College money tips, financial aid, scholarships, grants, student loans.

>>Medical School Scholarships and Funding.

Friday, January 1, 2010

College majors for the future

If you are wondering what to major in, you need to look at what industries or companies will be hiring, and what skills will be needed. Here is a quick look at future jobs for college graduates.

Computer science will still be in high demand, but...
Computer science majors will be in demand. But the future for these jobs lies in security. If you are getting a degree in computer science or computer engineering, get some experience in online security and risk management. Also, financial jobs will also rise, so computer science majors with a little finance can enhance their resumes. Social sites will continue to grow and companies will expand their presence as well. A computer science major should look at those possibilities as well. Marketing will is a skill that computer science majors will need as well. Also in demand will be designing and maintaining web based applications.

Green Jobs
Engineers who can specialize in green and alternative energy will be in demand. This includes wind and solar. Green construction jobs will also grow. Getting the skills to design, build, run, and maintain green projects will be in very high demand.

Medical field still growing and hot
Physical therapists will continue to grow in demand. The emerging field of risk and case management will be huge. If you become a registered nurse and have minors or certificates in those fields, you will be in high demand. Cost and risk containment will be a high priority for hospitals. Another slant is computerized records. Having computer and nursing skills will be much needed.

Financial jobs still exist
Even with the downturn, financial jobs will be in demand. But not all. Risk management is now the new buzz word. Avoiding scams will be high priority. Lessening financial risks is an emerging field as well. Getting a degree in finance or business, and knowing how to manage assets wisely is a big plus.

>>Getting a job after graduating college.

>>Job interview tips.

>>Financial aid secrets.