by Jessica Newlin
The Thing About Loans...
The cost of going to college is evermore increasing throughout the years. Even Adrian College’s tuition goes up by about $2,000 every year. Students whose parents aren't paying for their education are in for a rude awakening. You will be forced to take out loans, have a work study, and even an outside job. With these things and a full-time class load, you’re in for a lot of early mornings and late nights.
When considering students loans, always take those with the lowest interest rate. Typically, federal subsidized loans have the lowest. If you can get lower interest rates from an outside company or family, please choose to do so. My sophomore year was my first year taking out a loan and it made me extremely uncomfortable. I didn't want to owe someone money for the rest of most of my life, but it was outweighed by understanding the importance of staying and finishing school. A small loan every semester isn't going to define a failure, almost every students has to take out a loan at some point throughout their education.
(Planning on coming to AC in the fall? Check out our brand new AdrianPlus program! Details are all here.)
Getting Paid in College (& How to Find a Job!)
When considering work study, always try to get hired into a position that deals with your major or minor area of study. In this case, not only does it allow you to earn money, but it allows you to gain experience. You form connections with your bosses, which could turn into a reference, and connections with other students who are further along in their student careers that can offer advice. For example, I was lucky enough to remain on the College World staff for a second year and write for the Bulldog Project. These jobs are tools that will benefit me in the long run and have allowed me to gain opportunities for my future in writing.
Sometimes, work study isn't enough and with the continuous cut backs, it isn't. So, you’re probably looking for outside work. First, look for some sort of paid internship within your field of study, like work study. You will make money while gaining experience, and professional references. For example, I have been in contact with The Daily Telegram and The Advance (local newspapers) hoping to find a possible internship. If you can’t find this, look for something that isn't going to make you hate your job every day. A place where you can make money, friendships, and memories.
The Bottom Line:
I understand that work is stressful and time consuming. Sometimes I literally feel the life being sucked out of me. At the end of the night, I’m so tired that my eyes can’t stay open, so I have to get up earlier then do work for my classes in order to do homework. All you should keep telling yourself is that’s it’s worth it and you’ll become a better person because of it. When you graduate from college you’ll have a well paying job, because you made those connections earlier through work study or internships and you’ll have less than $20,000 in debt. Now, there are students who have every weekend off and seem to party on week days also. They don’t have a care in the world and seem to be gliding on a 15 credit load. They’re the students who will graduate and have a hard time finding a job, with more than $40,000 dollars of debt. Now, which student would you rather be?