Student Loan Forbearance

Student Loan Forbearance

What is Student Loan Forbearance?

Student loan forbearance is a short term way to pause or lower your monthly student loan payments. If you suffer from financial stress, a forbearance may offer 12 months or less of student loan relief. 

Due to the pandemic, students who took out federal student aid in loans may qualify. On Feb. 1, 2023, the federal government put in place an administrative forbearance. Will student loan forbearance be extended? The program put a freeze on federal student loan payments and set the loan interest rate at 0% until Sept. 30, 2023. That means, your loan balance may not increase even if interest rates do.

There are two types of forbearance available from the U.S. Department of Education. Each comes with a set of criteria and a form to file your request with. A general forbearance is also known as discretionary forbearance. That’s because it is up to your student loan lender to decide whether to grant your request for a suspension of payments. 

If it’s granted, the period cannot last more than 12 months at a time. When it expires, you may put in a new request as long as you’re within the cumulative limit of 3 years.

Mandatory forbearance means your lender has to grant the relief. Again, for no more than 12 months at a time. If you continue to meet the terms, you may put in a request for a new one once it expires.

Private student loan forbearance is different. In general, private lenders set less flexible terms compared to federal loans and options vary with each lender. For example, a lender may allow you to make interest payments only.

How Does Student Loan Forbearance Work?

Student loan forbearance works by providing a temporary pause on paying back your loans each month. You must qualify for one and then make a request by filling out a form based on your eligibility. Keep in mind, if you’re in default on your student loans, then forbearance may not be an option. 

A forbearance either allows you to make smaller payments or delay your payments for a specific period of time. As a result, unpaid interest on the principal balance adds up or accrues. Thus, each month you typically don’t pay the accrued interest.

Let’s say you receive a forbearance, but good favor hits and times get better. You could still repay your loans or even make smaller payments if this is an agreed upon option. On the other hand, if your period of forbearance ends and you’re still in distress, you may be able to reapply.

Who Qualifies for Student Loan Forbearance? 

Eligibility for student loan forbearance differs with each type of loan and student loan lender. If you have a private lender, some grant a forbearance period to students who take part in a medical residency or internship. Many also offer a six month grace period after graduation. This leaves you time to find a steady job and income.

As a federal student loan borrower, you may qualify for general forbearance for Direct Loans, Federal Family Education Loans (FFEL), and Perkins Loans. Some of the qualifying reasons are:

  • Financial hardship
  • Medical expenses
  • Change in employment (loss of job, working less) that causes economic hardship

Mandatory forbearance may be available for Direct Loans and FEEL program loans. You may be eligible for one of these reasons:

AmeriCorps: You serve in an AmeriCorps position for which you earned a national service award.

U.S. Department of Defense Student Loan Repayment Program: You qualify for partial repayment of your loans under this program.

Medical or dental internship or residency: You serve in one of these programs and meet specific requirements. 

National Guard Duty: If a governor activates you, and you are not eligible for military deferment. 

Student loan debt burden: For Direct Loans, FEEL program loans and Perkins Loans. In this case, the total amount you owe each month for all the federal student loans you received is 20% or more of your total monthly gross income, for up to three years.

Teacher loan forgiveness: For those who perform an eligible teaching service.

Coronavirus and Student Loan Forbearance

When the pandemic hit, it became harder for many students to repay their loans. As a result, the government initiated the Cares Act to provide some relief.

According to the Federal Student Aid, on Feb. 1. 2024, all federal student loan payments and collections were put on pause. And, the interest rate set at 0% due to the financial impact of COVID 19. President Biden signed an executive action on his first day in office to keep this relief going.

That said, if it’s possible for you to make payments, it could help you pay off your loan faster and lower the total cost of your loan over time.

What are the Differences between Federal Student Loan Forbearance vs Private Student Loan?

Both federal student loan forbearance and private student loan forbearance are short term ways to cope with lack of funds to repay a loan. You should contact either loan servicer right away if you are having trouble making payments so as not to default. 

In the case of federal student loans, forbearance is usually granted for 12 months at a time and may be renewed for up to three years. The law mandates conditions and payment amounts for some types of these loans. 

For example, due to COVID 19, the law set the interest rate at 0% as of 2021 and studentaid.gov updates the site as changes unfold. Unpaid interest is capitalized only on Direct Loans and Federal Family Education Loan FFEL Program loans, but never on Federal Perkins Loans. 

Private lenders such as Sallie Mae may offer forbearance if you request it. The period may go to 12 months, but many lenders may not offer renewal. Each lender sets different conditions and amount for private student loans. Interest rates may vary too.

What are the Differences between Student Loan Deferment vs Forbearance?

Both deferment and forbearance allow you to temporarily postpone or reduce your federal student loan payments. You have to request both and wait for a yes or no from the lender. 

The main difference is if you are in deferment, no interest will accrue to your loan balance. If you are in forbearanceinterest does accrue on your loan balance.

Student loan deferment is a temporary postponement of payment on a loan that is allowed under certain conditions and during which interest does not tend to accrue on. The following student loans may qualify for deferment:

  • Direct Subsidized Loans
  • The subsidized portion of Direct Consolidation Loans
  • Subsidized Federal Stafford Loans
  • The subsidized portion of FFEL Consolidation Loans
  • Federal Perkins Loans

All other federal student loans that are deferred will continue to accrue interest. You must still make payments until you receive a confirmation that your request is granted. Otherwise, you may risk delinquency (being late for even one day) and default (being late for 90 days or more). 

According to the Federal Student Aid, being in default could affect your credit score as the loan servicer will report delinquency to 3 major national credit bureaus. Credit score matters if you ever need to finance a house, car, rent an apartment, etc.

How is this different from forbearance? A forbearance is a period during which your monthly loan payments are temporarily put on hold or reduced. Your lender may grant you one if you want to make payments but have a qualifying reason that explains you cannot afford to do so.

During forbearance, principal payments are postponed, but interest continues to accrue. Unpaid interest that accrues during the forbearance will be added to the principal balance (capitalized) of your loan(s), increasing the total amount you owe.

Different Types of Student Loan Deferment

How long are student loans deferred and getting deferment extension vs forbearance? Forbearance may last up to one year with the possibility to renew. Deferment periods vary and depending on the qualifying reason:

Cancer Treatment Deferment: You may be eligible during cancer treatment and for the 6 month period after it ends.

Economic Hardship Deferment: You may qualify for up to 3 years deferment if you receive a means tested benefit such as welfare. You may be eligible if you work full time but your earnings are below 150% of the poverty guideline for your family size and state. If you serve in the Peace Corps, this is another reason. 

Graduate Fellowship Deferment: If you’re enrolled in an approved program that provides financial aid to graduate students.

In School Deferment: This deferment tends to be automatic. As a rule, to be eligible, you must be enrolled at least half time at an eligible college or career school. If you’re a graduate or professional student with a Direct PLUS Loan, you may qualify for an extra 6 months once you stop being enrolled at least half time. 

Military Service and Post Active Duty Student Deferment: For this deferment, you must be on active duty military service tied to a war, military operation, or national emergency. If you’ve completed eligible active duty service and grace period you may also qualify.

Parent PLUS Borrower Deferment: This deferment is for the parent who received a Direct PLUS Loan to help pay for their child’s education. The student you took out the loan for must be enrolled at least half time at an eligible school. 

Rehabilitation Training Deferment: For those enrolled in an eligible career, mental health alcohol or drug abuse rehab training program.

Unemployment Deferment: This deferment may be available for up to three years. It is for those who receive unemployment benefits and are seeking but unable to find full time work in their job search. 

Private Student Loan Deferment vs Forbearance

It may be possible to defer your student loans or request a period of forbearance from a private lender. Each lender may set different terms and conditions but you typically have to request it and get their approval. Unlike federal loans, private ones are not included in the CARES Act.

Here’s an example with Sallie Mae student loans. If you request a deferment, Sallie Mae won’t ask you to make principal and interest payments while you’re in school or during your internship, clerkship, fellowship, or residency.

During deferment, your Sallie Mae loans return to the repayment option you chose when you took them out (i.e., interest, fixed, or deferred). That means if you were making either monthly interest only or fixed payments when you first took out your loan, you continue to make those throughout your deferment period.

That said, when you defer, interest grows while you’re in school, and increases your total loan cost. So, making any extra interest payments could lower this balance.

Is There a Difference between Student Loan Forgiveness vs Forbearance?

While loan forgiveness and forbearance help manage loans and payments, they are very different. Forbearance is short term only. Forgiveness, cancellation and discharge of your loans mean you no longer owe or have to repay part or all your loan. 

There are various types of forgiveness, cancellation, and discharge available for the different kinds of federal student loans. If you are eligible, it may help your credit score and have a zero loan balance. Compared to forbearance where you still owe and risk being in default. 

Different Types of Student Loan Forgiveness

PSLF is for eligible full time employees of U.S. federal, state, local, or tribal governments or nonprofits. There’s a specific form to fill out in order to request and potentially receive, forgiveness.

It forgives the outstanding balance on Direct Loans. You must make 120 qualifying monthly payments under a qualifying repayment plan. You also must work full time for a qualifying employer. 

Teacher Loan Forgiveness: This type of federal student loan forgiveness awards up to $17,500 in forgiveness. It may be available for Direct Loans and FEEL Program loans. You may be eligible if you teach full time for 5 consecutive academic years. This work must be in a low income elementary, secondary or educational service agency. 

Closed School Discharge: If the school you attend closes while you’re enrolled or soon after you withdraw, you may be eligible for discharge of your federal student loan. Eligible are Direct Loans, FEEL loans and Perkins Loans. 

Federal Perkins Loan Cancellation and Discharge: The basis for this kind of cancellation is eligible employment or volunteer service and the length you were in the position. Teachers, nurses, military personnel and other professionals from federally approved jobs that may qualify.

Total and Permanent Disability Discharge: This option may be available for holders of Direct Loans, FEEL Program loans, and Perkins Loans. You may qualify if your disability is total and permanent. In addition, you may be eligible for a discharge on TEACH Grants. 

Discharge Due to Death: Federal student loans are discharged upon death. Whether of the student on whose behalf a PLUS loan was taken out. Or, of the borrower. It may be available for Direct Loans, FEEL Program loans, and Perkins Loans.

Bankruptcy: It is rare, but you may be able to have your federal student loan discharged after you declare bankruptcy. This is not automatic and may be available for Direct Loans, FEEL Program loans, and Perkins Loans.

Borrower Defense to Repayment: You may be eligible for discharge of federal Direct Loans for this reason if you took out loans to attend a school (let’s say the school was a scam). And the school did or failed to do something related to your loan or the education you took out the loan to pay for.

False Certification Discharge: This is for those whose school falsely certified your eligibility to receive a loan. Direct Loans and FEEL loans to be exact.

Unpaid Refund Discharge: For Direct Loans and FEEL loans only. In this case you withdrew from school and the school didn’t make a required return of loan funds to the loan servicer. If you do qualify it is likely for the portion of your federal student loan(s) that the school failed to return.

Alternate Student Loan Repayment Options

Before you consider forbearance, there are alternative ways to repay federal and private student loans. You should assess each option to see which one you qualify for and is in your personal best interest.

Refinancing 

If you have private student loans and qualify for a better interest rate, you might consider refinancing. Lower interest rates means you pay less each month. That said, not all lenders offer this option. 

Consolidation

If you have a few student loans, you may be able to combine them into one loan with a fixed interest rate based on the average of the interest rates on the loans being consolidated. For example, a Direct Consolidation Loan allows you to blend multiple federal education loans into one loan at no cost to you.

Income Driven Repayment Plans

IDRs aim to make your student loan debt easier to manage by lowering the amount you pay each month. These plans base your monthly student loan payments on your income and family size. 

The federal government offers 4 plans but private loans don’t qualify for any of them.

  1. Revised Pay As You Earn Repayment Plan (REPAYE Plan): Generally 10% of your discretionary income.
  2. Pay As You Earn Repayment Plan (PAYE Plan): Generally 10% of your discretionary income. But never more than the 10 year Standard Repayment Plan amount
  3. Income Based Repayment Plan (IBR Plan): If you are a new borrower on or after July 1, 2014, the terms are the same as the PAYE Plan. But if you are not a new borrower on or after July 1, 2014, it tends to be 15% of your discretionary income and never more than the 10 year Standard Repayment Plan amount.
  4. Income Contingent Repayment Plan (ICR Plan): Whichever is less than 20% of your discretionary income. Or, what you would pay on a repayment plan with a fixed payment over a span of 12 years, adjusted to your income.

What Option is a Good Choice to Help Pay off Student Loans?

There are a few tactics that may help pay off a student loan and hopefully avoid either forbearance or deferment.

  • Try to make extra payments when possible
  • Set up automatic payments so you don’t forget
  • Pay off capitalized interest because it brings your balance up
  • Use any gift money to repay your student loan

If you did all these things and find yourself unsure, you should first contact your loan lender. The lender could inform you which option you qualify for and how to request it plus other next steps. 

Remember that both forbearance and deferment allow you to reduce or postpone payments in the short term only. While forgiveness is ideal (who doesn’t want the magic wand that takes debt away?) you may not qualify at all. 

Forbearance on federal student loans now has favorable terms with the 0% interest which means your total amount owed won’t go up. There’s also no impact on your credit score. Before you choose this route, compare with an IDR. These plans tend to be more long term.

On the other hand, if you qualify for a deferment, interest grows and adds up which may make it that much harder to repay. This could set you up for delinquency and default which is not ideal and affects your credit score. Still have questions? Check out our section on student loans.

 

Land Nav Task 4 – Determine the Grid Coordinates of a Point on a Military Map

Standards: Determined the six-digit grid coordinates for the point on the map with a 100-meter tolerance. Recorded the grid coordinates with the correct two-letter 100,000-meter-square identifier.

Conditions:
Given a standard 1:50,000-scale military map in a field location, a 1:50,000 grid coordinate scale, a pencil, paper, and a point on the map for which coordinates must be determined.

Standards:
Determined the six-digit grid coordinates for the point on the map with a 100-meter tolerance. Recorded the grid coordinates with the correct two-letter 100,000-meter-square identifier.

Performance Steps

Note.

  1. A military map can help you spot your location accurately. The map has vertical lines (top to bottom) and horizontal lines (left to right). These lines form small squares 1,000 meters on each side, called grid squares.
  2. The lines that form grid squares are numbered along the outside edge of the map picture. No two grid squares have the same number.
  3. The precision of a point location is shown by the number of digits in the coordinates; the more digits, the more precise the location. For example: 1996-A 1,000-meter grid square. 192961-To the nearest 100 meters.

1.Look at figure C-11. Your address is grid square 1181. To determine your address, start from the left and read right until you come to 11, the first half of your address. Then read up to 81, the other half. Your address is somewhere in grid square 1181.

Land Nav Task 4 | Grid Coordinates on Military Map Figure C-11. Grid square 1181

Figure C-11. Grid square 1181

2. Determine your address to the nearest 100 meters. Grid square 1181 gives your general neighborhood, but there is a lot of ground inside that grid square. To make your address more accurate, just add another number to the first half and another number to the other half so your address has six numbers instead of four.

  • a. To get these extra numbers, suppose that each grid square has 10 lines inside it running north and south, and another 10 running east and west. This makes 100 smaller squares. You can estimate where these imaginary lines are (figure C-12).
Figure C-12. Grid square 1181 divided

Figure C-12. Grid square 1181 divided

  • b. To get these extra numbers, suppose that each grid square has 10 lines inside it running north and south, and another 10 running east and west. This makes 100 smaller squares. You can estimate where these imaginary lines are (figure C-12).Suppose you are halfway between grid line 11 and grid line 12. Then the next number is 5 and the first half of your address is 115. Now suppose you are also 3/10 of the way between grid line 81 and grid line 82. Then the second half of your address is 813. Your address would be 115813 (figure C-12). (If you are exactly on line 81, the second half would be 810.)a. To get these extra numbers, suppose that each grid square has 10 lines inside it running north and south, and another 10 running east and west. This makes 100 smaller squares. You can estimate where these imaginary lines are (figure C-12).

3. Use a coordinate scale. The most accurate way to determine the coordinates of a point on a map is to use a coordinate scale. You do not have to use imaginary lines because you can come up with the exact coordinates. This scale is on the coordinate scale and protractor (GTA 05-02-012) (figure C-13) or the plotting scale (figure C-14). Both of these devices include two coordinate scales, 1:25,000 and 1:50,000 meters. Make sure that when you use either of these devices, you use the correct scale.

Figure C-13. Coordinate scale and protractor

Figure C-13. Coordinate scale and protractor

Figure C-14. Plotting scale

Figure C-14. Plotting scale

  • a. Locate the grid square in which the point is located (for example, point A, figure C-15) (the point should already be plotted on the map).
  • b. The number of the vertical grid line on the left (west) side of the grid square gives the first and second digits of the coordinate.
  • c. The number of the horizontal grid line on the bottom (south) side of the grid square gives the fourth and fifth digits of the coordinate.
  • d. Place a coordinate scale on the bottom horizontal grid line of the grid square containing point A to determine the third and sixth digits of the coordinate.
  • e. Check to see that the zeros of the coordinate scale are in the lower left-hand (southwest) corner of the grid square where point A is located (figure C-15).
Figure C-15. Placement of the coordinate scale

Figure C-15. Placement of the coordinate scale

  • f. Slide the scale to the right, keeping the bottom of the scale on the bottom grid line until point A is under the vertical (right-hand) scale (figures C-16 and C-17). To determine the six-digit coordinate, the 100-meter mark on the bottom scale, which is nearest the vertical grid line, is the third digit of the number 115. The 100-meter mark on the vertical scale, which is nearest point A, is the sixth digit of the number 813. Putting these together, you have 115813.
Figure C-16. Aligning the coordinate scale

Figure C-16. Aligning the coordinate scale

Figure C-17. Aligning the plotting scale

Figure C-17. Aligning the plotting scale

  • g. To determine the correct two-letter 100,000-meter-square identifier, look at the grid reference box in the margin of the map (figure C-18).
Figure C-18. Grid reference box

Figure C-18. Grid reference box

  • h. Place the 100,000-meter-square identifier in front of the coordinate, GL115813.

Evaluation Preparation:

Setup: Give the soldier a standard 1:50,000-scale military map in a field location, a 1:50,000 grid coordinate scale, a pencil, paper, and a point on a map for which coordinates must be determined.

Brief Soldier: Tell the soldier to write down the two-letter 100,000-meter-square identifier and the six-digit grid coordinates for one point and the two-letter 100,000-meter-square identifier.

Performance MeasuresGONO GO
1. Determined the six-digit grid coordinates for the point on the map with a 100-meter tolerance.
2. Recorded the grid coordinates with the correct two-letter 100,000-meter-square identifier.

Evaluation Guidance:
Score the soldier GO if all performance measures are passed. Score the soldier NO GO if any performance measure is failed. If the soldier scores NO GO, show the soldier what was done wrong and how to do it correctly.

 

Land Nav Task 2 – Identify Topographic Symbols on a Military Map

Standards: Identified topographic symbols, colors, and marginal information on a military map with 100 percent accuracy.

Conditions:
Given a standard 1:50,000-scale military map.

Standards:
Identified topographic symbols, colors, and marginal information on a military map with 100 percent accuracy.

Performance Steps

  1. Identify the colors on a military map.
  1.  
  • a. The ideal situation would be that every feature on that portion of the earth being mapped is shown on the map in its true shape and size. Unfortunately, that is impossible.
  • b. The amount of detail shown on a map increases or decreases, depending on its scale; for example, a map with a scale of 1:250,000.
  • c. Details are shown by topographic symbols. These symbols are shown using six basic colors as shown in table C-1.
Table C-1.
Colors on a topographic map
ColorsSymbols
BlackCultural (man-made) features other than roads
BlueWater
BrownAll
relief features-contour lines on old
maps-cultivated land on red-light
readable maps
GreenVegetation
RedMajor
roads, built-up areas, special
features on old maps
Red-BrownAll
relief features and main roads on
red-light readable maps

2. Identify the symbols used on a military map to represent physical features, such as physical surroundings or objects, as shown in table C-2.

Table C-2.
Features on topographic maps
Land Nav Task 2 | Topographic Symbols on a Military Map
  • a. The shape of an object on the map usually tells what it is, for example, a black, solid square is a building or a house; a round or irregular blue item is a lake or pond.
  • b. Logic and what the colors mean must work together in determining a map feature. For example, blue represents water. If you see a symbol that is blue and has clumps of grass, this would be a swamp.
  • c. The size of the symbol shows the approximate size of an object. Most symbols are enlarged 6 to 10 times so that you can see them under dim light.
  • d. Use the legend; it has most of the symbols used on the map.

2. Identify the marginal information found on the legend.

  • a. Marginal information at the top of the map sheet.
    • (1) The top left corner contains the geographic location of the map area and the scale of the map.
    • (2) The top center has the name of the map sheet.
    • (3) The top right corner contains the map edition, map series, and the map sheet number.
  • b. Marginal information at the bottom of the map sheet.
    • (1) The lower left corner of the map contains the legend, the name of the agency that prepared the map, the map sheet number, and the map sheet name.
    • (2) The bottom center contains the bar scales in meters, yards, miles, and nautical miles; the contour interval of the contour lines; the grid reference box; the declination diagram; and the G-M angle (mils or degrees).
    • (3) The lower right corner contains the elevation guide, the adjoining map sheet diagram, and the boundaries box, which shows any boundaries that may be on the map.
 

Evaluation Preparation:

Setup: On a 1:50,000-scale military map, circle each item of marginal information found on the map. Randomly letter the circled items A through J. Circle an item or feature shown on the map by color. Randomly number each colored item 1 through 10. The items are listed in the Evaluation Guide/Performance Measures. Have a sheet of paper and two pencils available for the soldier being tested. For each soldier tested, provide a duplicate set of the map, paper, and pencils.

Brief Soldier: Tell the soldier to letter the paper A through J and 1 through 10. Tell the soldier to write down the name of the item contained in each lettered and numbered circle on the map.

Performance MeasuresGONo GO
1. Identified the sheet name.
2. Identified the sheet number.
3. Identified the contour
interval.
4. Identified the G-M angle (mils or degrees).
5. Identified the legend.
6. Identified the bar scales.
7. Identified the declination diagram.
8. Identified the grid reference box.
9. Identified the adjoining map sheets diagram.
10. Identified the elevation guide.
11. Identified 2 of 2 specific man-made features (shown in black on the map).
12. Identified 2 of 2 water features (blue on the map).
13. Identified 2 of 2 vegetation features (green on the map).
14. Identified 2 of 2 man-made features; for example, main roads or build-up areas (shown in brown or red-brown on the map).
15. Identified 2 of 2 contour lines (shown in brown or red-brown on the map).

Evaluation Guidance:
Score the soldier GO if all performance measures are passed. Score the soldier NO GO if any performance measure is failed. If the soldier scores NO GO, show the soldier what was done wrong and how to do it correctly.

 

Military Problem Solving Process

To define the 7 steps of the Military Problem Solving Process. To describe some of the Road Blocks to problem solving

Click here to download the presentation.

Military Problem Solving Process

MILITARY PROBLEM SOLVING PROCESS

INSTRUCTOR CPT REINHARD

PURPOSE

To define the 7 steps of the Military Problem Solving Process

To describe some of the Road Blocks to problem solving

REFERENCES

FM 22-100 Army Leadership

FM 101-5 Staff Organization and Operations (Chapter 5)

OUTLINE

Problem Solving Steps

Practical Exercise

Road Blocks to Problem Solving

Summary

Conclusion

PROBLEM SOLVING PROCESS

1. Recognize And Define The Problem

2. Gather Facts And Make Assumptions

3. Define End States And Establish Criteria

4. Develop Possible Solutions

5. Analyze And Compare Possible Solutions

6. Select And Implement Solution

7. Analyze Solution For Effectiveness

#1 WHAT IS THE PROBLEM?

#2 FACTS & ASSUMPTIONS

Facts– Statements about the problem known to be true or there is positive proof.

Assumptions– Statement used to replace necessary but missing or unknown facts.

#3 DEFINE END STATE AND ESTABLISH CRITERIA

End States identify goals and objectives

Criteria

Selection- used to gather valid solution

Evaluation- used to compare solutions

#4 DEVELOP POSSIBLE
SOLUTIONS

Brain Storming

Mind Mapping

#5 ANALYZE AND COMPARE POSSIBLE SOLUTIONS

Use predetermined evaluation criteria

Go back to “Facts and Assumptions” or “Establish Criteria” if necessary

#6 SELECT AND IMPLEMENT THE BEST SOLUTION

Make the decision

Acceptable, Feasible, and Suitable

#7 ANALYZE SOLUTION FOR EFFECTIVENESS

May take time

AAR

If it works, pass it on!

PRACTICAL EXERCISE

PROBLEM SOLVING PROCESS

1. Recognize And Define The Problem

2. Gather Facts And Make Assumptions

3. Define End States And Establish Criteria

4. Develop Possible Solutions

5. Analyze And Compare Possible Solutions

6. Select And Implement Solution

7. Analyze Solution For Effectiveness

ROAD BLOCKS TO
PROBLEM SOLVING

Fear Of Failure

Tunnel Vision

Over Seriousness

Over Certainty

Binding Customs

Fear Of The Unknown

Command Pressure

ROAD BLOCKS TO PROBLEM SOLVING (cont.)

FAILURE TO PROPERLY IDENTIFY THE PROBLEM

FAILURE TO TALK WITH OTHERS WHO HAVE DEALT WITH THE PROBLEM

LACK OF ADEQUATE INFORMATION TO MAKE VALID ASSUMPTIONS

NOT IDENTIFYING ALL OF THE PLAYERS

NOT SPECIFYING THE DESIRED ENDSTATE

SUMMARY

Problem Solving Steps

Practical Exercise

Road Blocks to Problem Solving

CONCLUSION

The goal is to have high-quality, acceptable decisions made in combat and training situations. The Military Problem Solving Process helps leaders face complex problems in situations where information might be limited.

 

OCOKA Observation and Fields of Fire, Cover and Concealment, Obstacles (man made and natural), Key or Decisive Terrain, Avenues of Approach

Observation and Fields of Fire, Cover and Concealment,
Obstacles (man made and natural), Key or Decisive Terrain, Avenues of Approach

Observation and Fields of Fire
Cover and Concealment
Obstacles (man made and natural)
Key or Decisive Terrain
Avenues of Approach

All of these factors must be analyzed in light of

the mission of the unit
the type operation
the level of command
the composition of forces involved
the weapons and equipment expected to be encountered

1. Observation and Fields of Fire

The evaluation of observation and fields of fire allows you to-

Identify potential engagement areas
Identify defensible terrain and weapons system positions.
Identify where maneuvering forces are most vulnerable to observation and fires.

Observation

Observation is the ability to see over a particular area to acquire targets.

“Visibility” is weather dependent or is a temporary phenomena. Observation, on the other hand, is terrain dependent and is relatively permanent. Generally, the best observation is obtained from the highest terrain in an area.

Fields of Fire

The area a weapon can cover effectively from a given point
Fires can be of two basic types

Direct fire weapons like machine guns, rifles, and TOW weapon systems which require direct line of sight to their targets.
Indirect fire weapons such as mortars and artillery
Observation and fields of fire are not the same. You may be able to see 25 km, but if all you see are armed with a rifle, then your fields of fire will probably be limited to something like 500 meters.

2. Cover and Concealment

Cover

The protection from the effects of weapons fires, direct, indirect, and air to ground.

Certain aspects of the terrain may provide good cover from some fires, while some may provide cover from only one of these types.

Concealment

Protection from observation, either from the air or from the ground or both.

Examples:

slope
vegetation
built up areas

Remember that cover can be used to protect a force from the effects of direct and indirect fires. Also it can, in some cases, be used to protect a force from observation. If this is the case, then the object providing cover is also providing concealment. But cover and concealment do not always equate.

If an attacking force can move forward under concealment, the chances of achieving surprise increase. Concealed and covered approach routes are important to reconnaissance units, dismounted infantry, and insurgent or terrorist forces.

Defending forces seek to defend in an area which offers both concealment and cover to themselves but which does not provide covered approaches for the threat

3. Obstacles

Any natural or manmade terrain feature that stops, impedes, slows, or diverts movement.

Examples:

buildings, steep slopes, rivers, lakes, forests, deserts, swamps, jungles, cities, minefield, trenches, and military wire obstacles

Things to look for:

Vegetation (tree spacing and trunk diameter).
Surface drainage (stream width, depth, velocity, bank slope, and height).
Surface materials (soil types and conditions that affect mobility).
Surface configuration (slopes that affect mobility).
Obstacles (natural and manmade; consider obstacles to flight as well as ground mobility).
Transportation systems (bridge classifications and road characteristics such as curve, radius, slopes, and width)
Effects of actual or projected weather such as heavy precipitation or snow over.

4. Key or Decisive Terrain

Some terrain feature (natural or manmade) which, if controlled, will give a marked advantage to whoever controls it.
Often selected for use as battle positions or objectives
Echelon of command, mission, enemy, and situation dependent.
To designate terrain as decisive is to recognize that the mission depends on seizing or retaining it.
Key or decisive terrain must be controlled, not necessarily occupied. It may be controlled by either fires or maneuver.

Examples:

a bridge over an unfordable river which gives access to the opposite shore without requiring an assault crossing.
a level clearing in rough terrain which is the only accessible landing field for airmobile operations
if you identify only one valid avenue of approach to the command’s objective, then the choke points on that avenue will probably become key terrain (compared to a situation where several AAs are available).

5. Avenues of Approach (AoA)

An AoA is an air or ground route of an attacking force of a given size leading to its objective or to key terrain in its path.

 
 

Measure Map Distance on a Military Map

A graphic scale is a ruler printed on the map and is used to convert distances on the map to actual ground distances. The graphic scale is divided into two parts. To the right of the zero, the scale is marked in full units of measure and is called the primary scale. To the left of the zero, the scale is divided into tenths and is called the extension scale. Most maps have three or more graphic scales, each using a different unit of measure. When using the graphic scale, be sure to use the correct scale for the unit of measure desired.

Using a graphic (bar) scale.

a. To determine straight-line distance between two points on a map, lay a straight-edged piece of paper on the map so that the edge of the paper touches both points and extends past them. Make a tick mark on the edge of the paper at each point.

Transferring map distance to paper strip.

b. To convert the map distance to ground distance, move the paper down to the graphic bar scale, and align the right tick mark (b) with a printed number in the primary scale so that the left tick mark (a) is in the extension scale.

Measuring straight-line map distance.

c. The right tick mark (b) is aligned with the 3,000-meter mark in the primary scale, thus the distance is at least 3,000 meters. To determine the distance between the two points to the nearest 10 meters, look at the extension scale. The extension scale is numbered with zero at the right and increases to the left. When using the extension scale, always read right to left. From the zero left to the beginning of the first shaded area is 100 meters. From the beginning of the shaded square to the end of the shaded square is 100 to 200 meters. From the end of the first shaded square to the beginning of the second shaded square is 200 to 300 meters. Remember, the distance in the extension scale increases from right to left.

d. To determine the distance from the zero to tick mark (a), divide the distance inside the squares into tenths. As you break down the distance between the squares in the extension scale into tenths, you will see that tick mark (a) is aligned with the 950-meter mark. Adding the distance of 3,000 meters determined in the primary scale to the 950 meters you determined by using the extension scale, we find that the total distance between points (a) and (b) is 3,950 meters.

e. To measure distance along a road, stream, or other curved line, the straight edge of a piece of paper is used. In order to avoid confusion concerning the point to begin measuring from and the ending point, an eight-digit coordinate should be given for both the starting and ending points. Place a tick mark on the paper and map at the beginning point from which the curved line is to be measured. Align the edge of the paper along a straight portion and make a tick mark on both map and paper when the edge of the paper leaves the straight portion of the line being measured.

Military Maps

Measuring a curved line

f. Keeping both tick marks together (on paper and map), place the point of the pencil close to the edge of the paper on the tick mark to hold it in place and pivot the paper until another straight portion of the curved line is aligned with the edge of the paper. Continue in this manner until the measurement is completed.

g. When you have completed measuring the distance, move the paper to the graphic scale to determine the ground distance. The only tick marks you will be measuring the distance between are tick marks (a) and (b). The tick marks in between are not used.

h. There may be times when the distance you measure on the edge of the paper exceeds the graphic scale. In this case, there are different techniques you can use to determine the distance.

(1) One technique is to align the right tick mark (b) with a printed number in the primary scale, in this case the 5. You can see that from point (a) to point (b) is more than 6,000 meters when you add the 1,000 meters in the extension scale. To determine the exact distance to the nearest 10 meters, place a tick mark (c) on the edge of the paper at the end of the extension scale. You know that from point (b) to point (c) is 6,000 meters. With the tick mark (c) placed on the edge of the paper at the end of the extension scale, slide the paper to the right. Remember the distance in the extension is always read from right to left. Align tick mark (c) with zero and then measure the distance between tick marks (a) and (c). The distance between tick marks (a) and (c) is 420 meters. The total ground distance between start and finish points is 6,420 meters.

Determining the exact distance.

(2) Another technique that may be used to determine exact distance between two points when the edge of the paper exceeds the bar scale is to slide the edge of the paper to the right until tick mark (a) is aligned with the edge of the extension scale. Make a tick mark on the paper, in line with the 2,000-meter mark (c). Then slide the edge of the paper to the left until tick mark (b) is aligned with the zero. Estimate the 100-meter increments into 10-meter increments to determine how many meters tick mark (c) is from the zero line. The total distance would be 3,030 meters.

Reading the extension scale.

(3) At times you may want to know the distance from a point on the map to a point off the map. In order to do this, measure the distance from the start point to the edge of the map. The marginal notes give the road distance from the edge of the map to some towns, highways, or junctions off the map. To determine the total distance, add the distance measured on the map to the distance given in the marginal notes. Be sure the unit of measure is the same.

(4) When measuring distance in statute or nautical miles, round it off to the nearest one-tenth of a mile and make sure the appropriate bar scale is used.

(5) Distance measured on a map does not take into consideration the rise and fall of the land. All distances measured by using the map and graphic scales are flat distances. Therefore, the distance measured on a map will increase when actually measured on the ground. This must be taken into consideration when navigating across country.

 

Locate a point using the US Army Military Grid Reference System (MGRS)

There is only one rule to remember when reading or reporting grid coordinates, always read to the RIGHT and then UP. The first half of the reported set of coordinate digits represents the left-to-right (easting) grid label, and the second half represents the label as read from the bottom to top (northing). The grid coordinates may represent the location to the nearest 10-, 100-, or 1,000-meter increment.

a. Grid Zone. The number 16 locates a point within zone 16, which is an area 6° wide and extends between 80° S latitude and 84° N latitude (Figure 4-8).

b. Grid Zone Designation. The number and letter combination, 16S, further locates a point within the grid zone designation 16S, which is a quadrangle 6° wide by 8° high. There are 19 of these quads in zone 16. Quad X, which is located between 72° N and 84° N latitude, is 12° high (Figure 4-8).

c. 100,000-Meter Square Identification. The addition of two more letters locates a point within the 100,000-meter grid square. Thus 16SGL (Figure 4-11) locates the point within the 100,000-meter square GL in the grid zone designation 16S. For information on the lettering system of 100,000-meter squares, see TM 5-241-1.

d. 10,000-Meter Square. The breakdown of the US Army military grid reference system continues as each side of the 100,000-meter square is divided into 10 equal parts. This division produces lines that are 10,000 meters apart. Thus the coordinates 16SGL08 would locate a point as shown in Figure 4-20. The 10,000-meter grid lines appear as index (heavier) grid lines on maps at 1:100,000 and larger.

US Army Military Grid Reference System

Figure 4-20. The 10,000-meter grid square.

e. 1,000-Meter Square. To obtain 1,000-meter squares, each side of the 10,000-meter square is divided into 10 equal parts. This division appears on large-scale maps as the actual grid lines; they are 1,000 meters apart. On the Columbus map, using coordinates 16SGL0182, the easting 01 and the northing 82 gives the location of the southwest corner of grid square 0182 or to the nearest 1,000 meters of a point on the map (Figure 4-21).

Figure 4-21. The 1,000-meter grid square.

f. 100-Meter Identification. To locate to the nearest 100 meters, the grid coordinate scale can be used to divide the 1,000-meter grid squares into 10 equal parts (Figure 4-22).

Figure 4-22. The 100-meter and 10-meter grid squares.

g. 10-Meter Identification. The grid coordinate scale has divisions every 50 meters on the 1:50,000 scale and every 20 meters on the 1:25,000 scale. These can be used to estimate to the nearest 10 meters and give the location of one point on the earth’s surface to the nearest 10 meters.

EXAMPLE: 16SGL01948253 (gas tank) (Figure 4-22).

h. Precision. The precision of a point’s location is shown by the number of digits in the coordinates; the more digits, the more precise the location.

 
 

Interpretation of Terrain Features

Terrain features do not normally stand a lone. To better understand these when they are depicted on a map, you need to interpret them. Terrain features are interpreted by using contour lines, the SOSES approach, ridgelining, or streamlining.

Using Contour Lines to Interpret Terrain

Contour lines are essential for understanding terrain features on a map. These lines connect points of equal elevation, helping to visualize the shape and elevation of the land. Closely spaced contour lines indicate steep terrain, while widely spaced lines suggest gentle slopes. By analyzing contour patterns, you can determine the presence of hills, valleys, ridges, and depressions.

Ridgelining and Streamlining for Better Terrain Analysis

Ridgelining and streamlining are two effective techniques for interpreting terrain. Ridgelining involves identifying the high ground by tracing the ridges on a map, while streamlining focuses on following watercourses to recognize valleys and low-lying areas. These methods help in navigation, route planning, and understanding elevation changes more effectively.

Interpretation of Terrain Features
 

Draw (Minor Terrain Feature)

Draw. A draw is a less developed stream course than a valley. In a draw, there is essentially no level ground and, therefore, little or no maneuver room within its confines. If you are standing in a draw, the ground slopes upward in three directions and downward in the other direction. A draw could be considered as the initial formation of a valley. The contour lines depicting a draw are U-shaped or V-shaped, pointing toward high ground

Draw Minor Terrain Feature
 

Determine the Grid Coordinates of a Point on a Military Map

CONDITIONS
Given a standard 1:50,000 scale military map, a 1:50,000 grid coordinate scale, pencil, paper, and a point on the map for which coordinates must be determined.

STANDARDS
Determine the six-digit grid coordinates for the point on the map with a 100?meter tolerance (grid coordinates must contain the correct two-letter 100,000 meter-square identifier).

TRAINING AND EVALUATION
Training Information Outline

Notes: 1. To keep from getting lost, a soldier must know how to find out where he is. A combat area has no street addresses, but a military map can help you identify a location accurately. The map has vertical lines (top to bottom) and horizontal lines (left to right). These lines form small squares 1,000 meters on each side called grid squares.

2. The lines that form grid squares are numbered along the outside edge of the map picture. No two grid squares have the same number.

3. The precision of a point location is shown by the number of digits in the coordinates: the more digits, the more precise the location.

1996- a 1,000-meter grid square.
192961- to the nearest 100 meters.
19269614- to the nearest 10 meters.

1. Look at Figure 5-18. Your address is grid square 1181. How do you know this? Start from the left and read right until you come to 11, the first half of your address. Then read up to 81, the other half. Your address is somewhere in grid square 1181 (A, Figure 5-18).

2. Grid square 1181 gives your general neighborhood, but there is a lot of ground inside that grid square. To make your address more accurate, just add another number to the first half and another number to the second half-so your address has six numbers instead of four.

a. To get those extra numbers, pretend that each grid square has ten lines inside it running north and south, and another 10 running east and west. This makes 100 smaller squares. You can estimate where these imaginary lines are.

b. Suppose you are halfway between grid line 11 and grid line 12. Then the next number is 5 and the first half of your address is 115. Now suppose you are also 3/10 of the way between grid line 81 and grid line 82. Then the second half of your address is 813. (If you were exactly on line 81, the second part would be 810). Your address is 115813 (B, Figure 5-18).

Figure 5-18. Determining a six-digit grid coordinate.

3. The most accurate way to determine the coordinates of a point on a map is to use a coordinate scale. You do not have to use imaginary lines; you can find the exact coordinates using a Coordinate Scale and Protractor (GTA 5-2-12) (Figure 5-19) or a Plotting Scale (Figure 5-20). Each device has two coordinating scales, 1:25,000 meters and 1:50,000 meters. Make sure you use the correct scale.

Figure 5-19. Coordinate scale and protractor.

a. First, locate the grid square in which the point (for example, Point A, Figure 5-21, page 5-24) is located (the point should already be plotted on the map).

b. The number of the vertical grid line on the left (west) side of the grid square is the first and second digits of the coordinates.

Figure 5-20. Plotting scale.

c. The number of the horizontal grid line on the bottom (south) side of the grid square is the fourth and fifth digits of the coordinates.

d. To determine the third and sixth digits of the coordinates, place the coordinate scale on the bottom horizontal grid line of the grid square containing Point A.

Figure 5-21. Placement of coordinate scale.

e. Check to see that the zeros of the coordinate scale are in the lower left-hand (southwest) corner of the map grid square (Figure 5-21).

f. Slide the scale to the right, keeping the bottom of the scale on the bottom grid line until Point A is under the vertical (right-hand) scale (Figures 5-22 and 5-23). On the bottom scale, the 100-meter mark nearest the vertical grid line provides the third digit, 5. On the vertical scale, the 100-meter mark nearest Point A provides the sixth digit, 3. Therefore, the six-digit grid coordinate is 115813.

Figure 5-22. Alignment of coordinate scale.

Figure 5-23. Alignment of plotting scale.

g. To determine the correct two-letter 100,000?meter square identifier, look at the grid reference box in the margin of the map (Figure 5-24).

h. Place the 100,000-meter square identifier in front of the coordinate, GL 11508133.

Figure 5-24. Grid reference box.

Evaluation Guide:
Determine the Grid Coordinates of a Point on a Military Map
Performance Measures

1. Write down the two-letter 100,000-meter square identifier and the six?digit grid coordinates for the designated point with a 100?meter tolerance.

2. Record the grid coordinates with the correct two-letter 100,000-meter square identifier.

 

Cut and a Fill (Supplementary Terrain Features)

Cut. A cut is a man-made feature resulting from cutting through raised ground, usually to form a level bed for a road or railroad track. Cuts are shown on a map when they are at least 10 feet high, and they are drawn with a contour line along the cut line. This contour line extends the length of the cut and has tick marks that extend from the cut line to the roadbed, if the map scale permits this level of detail

Fill. A fill is a man-made feature resulting from filling a low area, usually to form a level bed for a road or railroad track. Fills are shown on a map when they are at least 10 feet high, and they are drawn with a contour line along the fill line. This contour line extends the length of the filled area and has tick marks that point toward lower ground. If the map scale permits, the length of the fill tick marks are drawn to scale and extend from the base line of the fill symbol

Understanding Cut and Fill on a Map

When reading a topographic map, identifying cut and fill on a map is essential for understanding man-made modifications to the terrain. Cuts indicate areas where elevated ground has been removed to create a level surface, while fills show where low areas have been raised. Recognizing these features helps in navigation, construction planning, and terrain analysis.

How to Identify Cut and Fill on a Map

Cuts and fills are represented by contour lines with tick marks that indicate elevation changes. In a cut, the tick marks extend toward the roadbed, while in a fill, they point toward the lower ground. These features appear on maps only if they are at least 10 feet high, ensuring they are significant enough for practical reference.

Cut and a Fill
 

Steps and Marching

General Information

a. This section contains all of the steps in marching of the individual soldier. These steps should be learned thoroughly before proceeding to unit drill.

b. All marching movements executed from the halt are initiated from the position of attention.

c. Except for route step march and at ease march, all marching movements are executed while marching at attentionMarching at attention is the combination of the position of attention and the procedures for the prescribed step executed simultaneously.

d. When executed from the halt, all steps except right step begin with the left foot.

e. For short-distance marching movements, the commander may designate the number of steps forward, backward, or sideward by giving the appropriate command: One step to the right (left), MARCH; or, Two steps backward (forward), MARCH. On the command of execution MARCH, step off with the appropriate foot, and halt automatically after completing the number of steps designated. Unless otherwise specified, when directed to execute steps forward, the steps will be 30-inch steps.

f. All marching movements are executed in the cadence of quick time (120 steps per minute), except the 30-inch step, which may be executed in the cadence of 180 steps per minute on the command Double time, MARCH.

g. A step is the prescribed distance from one heel to the other heel of a marching soldier.

h. All 15-inch steps are executed for a short distance only.

The 30-Inch Step

a. To march with a 30-inch step from the halt, the command is Forward, MARCH. On the preparatory command Forward, shift the weight of the body to the right foot without noticeable movement. On the command of execution MARCH, step forward 30 inches with the left foot and continue marching with 30-inch steps, keeping the head and eyes fixed to the front. The arms swing in a natural motion, without exaggeration and without bending at the elbows, approximately 9 inches straight to the front and 6 inches straight to the rear of the trouser seams. Keep the fingers curled as in the position of attention so that the fingers just clear the trousers.

b. To halt while marching, the command Squad (Platoon), HALT is given. The preparatory command Squad (Platoon) is given as either foot strikes the marching surface as long as the command of execution HALT is given the next time that foot strikes the marching surface. The halt is executed in two counts. After HALT is commanded, execute the additional step required after the command of execution and then bring the trail foot alongside the lead foot, assuming the position of attention and terminating the movement.

NOTE: When marching, there are five steps in the step-by-step method: (1) preparatory command step, (2) intermediate step or thinking step, (3) command of execution step, (4) additional step after command of execution, (5) execution of the movement that was commanded.

The Change Step

a. To change step while marching, the command Change step, MARCH is given as the right foot strikes the marching surface. On the command of execution MARCH, take one more step with the left foot, then in one count place the right toe near the heal of the left foot and step off again with the left foot. The arms swing naturally.

b. This movement is executed automatically whenever a soldier finds himself out of step with all other members of the formation.

Rest Movement, 30-Inch Step

a. At Ease March. The command At ease, MARCH is given as either foot strikes the marching surface. On the command of execution MARCH, the soldier is no longer required to retain cadence; however, silence and the approximate interval and distance are maintained. Quick time, MARCH and Route step, MARCH are the only commands that can be given while marching at ease.

b. Route Step March. Route step is executed exactly the same as at ease march except that the soldier may drink from his canteen and talk.

NOTE: To change the direction of march while marching at route step or at ease march, the commander informally directs the lead element to turn in the desired direction. Before precision movements may be executed, the unit must resume marching in cadence. The troops automatically resume marching at attention on the command Quick time, MARCH, as the commander reestablishes the cadence by counting for eight steps.

The 15-Inch Step, Forward/Half Step

a. To march with a 15-inch step from the halt, the command is Half step, MARCH. On the preparatory command Half step, shift the weight of the body to the right foot without noticeable movement. On the command of execution MARCH, step forward 15 inches with the left foot and continue marching with 15-inch steps. The arms swing as in marching with a 30-inch step.

b. To alter the march to a 15-inch step while marching with a 30-inch step, the command is Half step, MARCH. This command may be given as either foot strikes the marching surface. On the command of execution MARCH, take one more 30-inch step and then begin marching with a 15-inch step. The arms swing as in marching with a 30-inch step.

c. To resume marching with a 30-inch step, the command Forward, MARCH is given as either foot strikes the marching surface. On the command of execution MARCH, take one more 15-inch step and then begin marching with a 30-inch step.

d. The halt while marching at the half step is executed in two counts, the same as the halt from the 30-inch step.

e. While marching at the half step, the only commands that may be given are: Mark time, MARCH; Forward, MARCH; Extend, MARCH; and HALT.

Marching in Place

a. To march in place, the command Mark time, MARCH is given as either foot strikes the marching surface and only while marching with a 30-inch or 15-inch step forward. On the command of execution MARCH, take one more step, bring the trailing foot alongside the leading foot, and begin to march in place. Raise each foot (alternately) 2 inches off the marching surface; the arms swing naturally, as in marching with a 30-inch step forward.

NOTE: While marking time in formation, the soldier adjusts position to ensure proper alignment and cover.

b. To resume marching with a 30-inch step, the command Forward, MARCH is given as either foot strikes the marching surface. On the command of execution MARCH, take one more step in place and then step off with a 30-inch step.

c. The halt from mark time is executed in two counts, basically the same as the halt from the 30-inch step.

The 15-Inch Step, Right/Left

a. To march with a 15-inch step right (left), the command is Right (Left) step, MARCH. The command is given only while at the halt. On the preparatory command of Right (Left) step, shift the weight of the body without noticeable movement onto the left (right) foot. On the command of execution MARCH, bend the right knee slightly and raise the right foot only high enough to allow freedom of movement. Place the right foot 15 inches to the right of the left foot, and then move the left foot (keeping the left leg straight) alongside the right foot as in the position of attention. Continue this movement, keeping the arms at the sides as in the position of attention.

b. To halt when executing right or left step, the command is Squad (Platoon), HALT. This movement is executed in two counts. The preparatory command is given when the heels are together the command of execution HALT is given the next time the heels are together. On the command of execution HALT, take one more step with the lead foot and then place the trailing foot alongside the lead foot, resuming the position of attention.

The 15-Inch Step, Backward

a. To march with a 15-inch step backward, the command is Backward, MARCH. The command is given only while at the halt. On the preparatory command Backward, shift the weight of the body without noticeable movement onto the right foot. On the command of execution MARCH, take a 15-inch step backward with the left foot and continue marching backward with 15-inch steps. The arms swing naturally.

b. The halt from backward march is executed in two counts, basically the same as the halt from the 30-inch step.

The 30-Inch Step, Double Time

a. To march in the cadence of 180 steps per minute with a 30-inch step, the command is Double time, MARCH. It may be commanded while at the halt or while marching at quick time with a 30-inch step.

b. When at the halt and the preparatory command Double time is given, shift the weight of the body to the right foot without noticeable movement. On the command of execution MARCH, raise the forearms to a horizontal position, with the fingers and thumbs closed, knuckles out, and simultaneously step off with the left foot. Continue to march with 30-inch steps at the cadence of double time. The arms swing naturally to the front and rear with the forearms kept horizontal. (When armed, soldiers will come to port arms on receiving the preparatory command of Double time.) Guides, when at sling arms, will double time with their weapons at sling arms upon receiving the directive GUIDE ON LINE.

c. When marching with a 30-inch step in the cadence of quick time, the command Double time, MARCH is given as either foot strikes the marching surface. On the command of execution MARCH, take one more 30-inch step at quick time, and step off with the trailing foot, double timing as previously described.

d. To resume marching with a 30-inch step at quick time, the command Quick time, MARCH is given as either foot strikes the marching surface. On the command of execution MARCH, take two more 30-inch steps at double time, lower the arms to the sides, and resume marching with a 30-inch step at quick time.

NOTE: Quick time, column half left (right), and column left (right) are the only movements that can be executed while double timing. Armed troops must be at either sling arms or port arms before the command Double time, MARCH is given.

Facing in Marching

a. Facings in marching from a halt are important parts of the following movements: alignments, column movements, inspecting soldiers in ranks, and changing from normal interval to double interval or double interval to normal interval. For instructional purposes only, the command Face to the right (left) in marching, MARCH may be used to teach the individual to execute the movement properly. On the preparatory command Face to the right (left) in marching, shift the weight of the body without noticeable movement onto the right foot. On the command of execution MARCH, pivot to the right (left) on the ball of the right foot (90 degrees) and step off in the indicated direction with the left foot. Execute the pivot and step in one count, and continue marching in the new direction.

b. Facing to the half-right (half-left) in marching from the halt is executed in the same manner as facing to the right (left) in marching from a halt, except the facing movement is made at a 45-degree angle to the right (left).

c. The halt from facing in marching is executed in two counts, the same as the halt from the 30-inch step.

 
 

Determine a Magnetic Azimuth Using a Lensatic Compass

CONDITIONS
Given a compass and a designated point on the ground.

STANDARDS
Determine the correct magnetic azimuth to the designated point within 3 degrees using the compass-to-cheek method, or within 10 degrees using the center-hold method.

TRAINING AND EVALUATION
Training Information Outline
1. Read your compass (Figures 5-25 and 5-26).

a. The floating dial is used to determine the direction in which you are pointing your compass.

b. The outer, “black” ring of numbers and tick marks is used for finding direction in mils.

Lensatic Compass
Lensatic Compass Magnetic Azimuth

c. The inner, “red” ring of numbers and tick marks is used for finding direction in degrees.

(1) There are 360 degrees or 6,400 mils in a circle. These are marked with a tick mark every 5 degrees and 20 mils. However, not every tick mark is numbered. You will have to determine the number for these lines using the numbers that are shown.

(2) To read direction, point the compass in the direction you want to go or want to determine.

(3) Look beneath the index line on the outer glass cover and estimate to the nearest degree or 10 mils the position of the index line over the (red or black) scale.

(4) Be careful to hold the compass still so that the dial remains stationary while you are reading the scale.

(5) In Figure 5-26, the readings are 312 degrees (red scale) and 5,500 mils (black scale).

(6) If you understand these readings and can apply either of the holding and sighting techniques of shooting an azimuth, you will be proficient in performing this task.

2. Shoot an azimuth.

a. Use your compass to determine or follow an azimuth. The arrow on the compass points toward magnetic north. The arrow is also attracted by any mass of metal-a truck, your rifle, your helmet, and even electrical power lines. Thus, be sure you use your compass away from metal objects so it will not give a wrong reading.

b. The lensatic compass must always be held level and firm when sighting on an object and reading an azimuth.

c. There are two methods of holding the lensatic compass and sighting.

(1) Compass-to-cheek method (Figure 5-27). To use this method-

(a) Open the cover to a 90-degree angle to the base. Position the eyepiece at a 45-degree angle to the base.

(b) Place your thumb through the thumb loop, form a steady base with your third and fourth fingers, and extend your index finger along the side of the compass base.

(c) Place the hand holding the compass into the palm of the other hand.

Figure 5-27. Compass-to-cheek method.

Compass-to-cheek method

(d) Bring both hands up to the face and position the thumb that is through the thumb loop against the cheekbone.

(e) Look through the lens of the eyepiece. If the dial is not in focus, move the eyepiece up or down until the dial is in focus.

(f) Align the sighting slot of the eyepiece with the sighting wire in the cover on the point to which the azimuth is being determined. Look through the lens of the eyepiece and read the azimuth under the index line.

(2) Center-hold method (Figure 5-28). Use this method only when a precise direction is not required:

(a) Open the compass so that the cover forms a straight edge with the base. The lens of the compass is moved out of the way.

Figure 5-28. Center-hold method.

Center-hold method

(b) Place your thumb through the thumb loop, form a steady base with your third and fourth fingers, and extend your index finger along the side of the compass.

(c) Place the thumb of the other hand between the eyepiece and the lens, extend the index finger along the remaining side of the compass, wrap the remaining fingers around the fingers of the other hand, and pull your elbows firmly into your sides. This will place the compass between your chin and your belt.

(d) To measure an azimuth, turn your entire body toward the object and point the compass cover directly at the object. Look down and read the azimuth from beneath the fixed black index line. This method can be used at night.

(e) To keep from going in circles when you are land navigating, stop occasionally to check the azimuth along which you are moving. Also, you can move from object to object along your path by shooting an azimuth to each object and then moving to that object. Repeating this process while you navigate should keep you straight.

Evaluation Guide:
Determine a Magnetic Azimuth
Performance Measures

1. Determine a magnetic Azimuth using a lensatic compass.

2. Use the compass-to-cheek method to within three degrees of a designated point.

3. Use the center-hold method within 10 degrees to a designated point.

 

Identify Major / Minor Terrain Features

Hill, Ridge, Valley, Saddle, Depression, Draw, Spur and Cliff

Terrain features are identified in the same manner on all maps, regardless of the contour interval, but you must realize that a hill in the Rocky Mountains will be much bigger than one in south Florida. You must be able to recognize all the terrain features to locate a point on the ground or to navigate from one point to another.

The five major terrain features are: Hill, Ridge, Valley, Saddle, and Depression.
The three minor terrain features are: Draw, Spur and Cliff.

Terrain features can be learned using the fist or hand to show what each would look like on the ground.

Identify Major / Minor Terrain Features

Hill-a point or small area of high ground. When you are on a hilltop, the ground slopes down in all directions.

Hill Terrain

Ridge-a line of high ground with height variations along its crest. The ridge is not simply a line of hills; all points of the ridge crest are higher than the ground on both sides of the ridge.

Ridge Terrain

Valley-reasonably level ground bordered on the sides by higher ground. A valley may or may not contain a stream course. A valley generally has maneuver room within its confines. Contour lines indicating a valley are U-shaped and tend to parallel a stream before crossing it. The course of the contour line crossing the stream always points upstream.

Valley Terrain

Saddle-a dip or low point along the crest of a ridge. A saddle is not necessarily the lower ground between two hilltops; it may be a break along an otherwise level ridge crest.

Saddle Terrain

Depression-a low point or hole in the ground, surrounded on all sides by higher ground.

Depression Terrain

Identify Minor terrain features

Although these features are not as important as the major terrain features, navigators can plan routes more successfully if they can identify all the terrain features their routes will cross over.

Draw-similar to a valley, except that it normally is a less developed stream course in which there is generally no level ground and, therefore, little or no maneuver room. The ground slopes upward on each side and toward the head of the draw.

Draws are caused by flash floods and can be found on flat terrain but are more often found along the sides of ridges. Contour lines indicating a draw are shaped like a “V” with the point of the “V” toward the head of the draw (high ground).

Draw Terrain

Spur-a usually short, continuously sloping line of higher ground, normally jutting out from the side of a ridge. A spur is often formed by two thoroughly parallel streams cutting draws down the side of a ridge.

Spur Terrain

Cliff-a vertical or near-vertical slope. A cliff may be shown on a map by contour lines being close together, touching, or by a ticked “carrying” contour line. The ticks always point toward lower ground.

Cliff Terrain
 

Position of Attention

Executing the Position of Attention

The position of attention is a fundamental stance in military discipline, signifying readiness and respect. Soldiers assume this position upon hearing the command FALL IN or Squad (platoon), ATTENTION. Proper execution ensures uniformity and discipline in formation.

Proper Foot and Body Alignment

To execute the position of attention correctly, bring your heels together sharply, ensuring they are on the same line. The toes should be angled outward at 45 degrees, distributing weight evenly on the heels and balls of both feet. Keep the legs straight, but avoid locking the knees. The hips should remain level, while the chest is lifted and squared with the shoulders. Maintaining this posture reinforces a soldier’s professional bearing and readiness.

Head and Arm Placement

Keeping the head erect and chin slightly drawn in, ensure your gaze is straight ahead. The alignment of the head and neck should remain vertical, promoting a sharp and disciplined posture. Let your arms hang naturally at your sides, with the fingers curled so the thumbs rest along the first joint of the forefingers. The thumbs should stay aligned with the seams of the trousers, ensuring a uniform and structured appearance.

a. Assume the position of attention on the command FALL IN or the command Squad (platoon), ATTENTION.

b. To assume this position, bring the heels together sharply on line, with the toes pointing out equally, forming an angle of 45 degrees. Rest the weight of the body evenly on the heels and balls of both feet. Keep the legs straight without locking the knees. Hold the body erect with the hips level, chest lifted and arched, and the shoulders square.

c. Keep the head erect and face straight to the front with the chin drawn in so that alignment of the head and neck is vertical.

d. Let the arms hang straight without stiffness. Curl the fingers so that the tips of the thumbs are alongside and touching the first joint of the forefingers. Keep the thumbs straight along the seams of the trouser leg with the first joint of the fingers touching the trousers.

Position of Attention
 

Parade Rest

Parade rest is commanded only from the position of attention. The command for this movement is Parade, REST. On the command of execution REST, move the left foot about 10 inches to the left of the right foot. Keep the legs straight without locking the knees, resting the weight of the body equally on the heels and balls of the feet. Simultaneously, place the hands at the small of the back and centered on the belt. Keep the fingers of both hands extended and joined, interlocking the thumbs so that the palm of the right hand is outward. Keep the head and eyes as in the position of attention. Remain silent and do not move unless otherwise directed. Stand at ease, at ease, and rest may be executed from this position.

Parade Rest
 

Running & Marching Cadences – Military Cadences

Running Cadences

When I Get To Heaven #2

When I get to Heaven,
Saint Peter’s gonna say
“How’d you earn your livin’?
How’d you earn your pay?”
And I’ll reply with a little bit of anger
“Made my livin’ as an Airborne Ranger.”
Airborne Ranger.
Ranger Danger.
Airborne Ranger.
Black beret danger.
We love to double time.
We do it all the time.

When I get to Heaven,
Saint Peter’s gonna say
“How’d you earn your livin’?
How’d you earn your pay?”
And I’ll reply with a whole lot of anger
“Made my livin’ blood, guts, and danger.”
Blood, guts, danger.
Ranger danger.
Blood, guts, and danger.
Black beret danger.
We love to double time.
We do it all the time.

When My Granny

When my granny was 91 She did PT just for fun
When my granny was 92 She did PT better than you
When my granny was 93 She did PT better than me
When my granny was 94 She did PT more and more
When my granny was 95 She did PT to stay alive
When my granny was 96 She kept on doing flutter-kicks
When my granny was 97 She up and died and went to heaven
She met St. Peter at the pearly gates
Said, “St. Peter, St. Peter, hope I’m not late
St. Peter said with a big ol’ grin
“Get down granny, and knock out ten”
She replied with a big ol’ smile
“Sorry, St. Peter, I’m on profile!”

When that left foot strikes the ground #3

When that left foot hits the ground/
all I wanna hear is that _____ sound. (group sounds off with the sound you designate
on every left.This sound can be any one syllable
sound thatyou choose. Bark sound, What!, Hooah!, etc.
I like to use “WHAT!”) (WHAT!)
We train
(WHAT!)
In the rain
(WHAT!)
We’ll fight
(WHAT!)
Day or night
(WHAT!)
We’ll go
(WHAT!)
Through the snow
(WHAT!)
We’ll run
(WHAT!)
To the sun
(WHAT!)
We’ll run
(WHAT!)
THROUGH the sun
(WHAT!)
Bin Laden
(WHAT!)
You better pray
(WHAT!)
You don’t see my
(WHAT!)
Maroon beret
(WHAT!)
Got that vodka
(WHAT!)
In my wall locker
(WHAT!)
Got that 100 proof
(WHAT!)
Up on the roof
(WHAT!)
Got that cogniac
(WHAT!)
In my alice pack
(WHAT!)
Got covasier
(WHAT!)
in the changing bay
(WHAT!)
Gonna have some fun
(WHAT!)
With that spiced rum NOTE: This cadence can go forever if you are creative. That’s why it’s called freestyle.WARNING: Do not attempt if you have no rythym

When That Left Foot Strikes The Ground #2

when that left foot strikes the ground
all I wanna hear is that “what” sound
what (left foot)
dont get me started
(what)
dont get you started
(what)
dont get us started
(what)
before we get retarded
(what)
that gin n juice
(what)
it gets me loose
(what)
that fifth of vocka
(what)
got it in my locker
(what)
that rum n coke
(what)
will make ya choke
(what)
that glass of milk
(what)
is good as silk
(what)
so dont get me started
(what)
dont get you started
(what)
dont get us started
(what)
before we get retarded.

A-10, A-10 Flyin’ High

A-10, A-10 Flyin’ high,
Drop that napalm from the sky!
See Haji there down by the lake,
Drop that napalm watch him bake!

A-10, A-10 Flyin’ high,
Drop that napalm from the sky!
See that Commie down by the river,
Drop that napalm watch him quiver!

A-10, A-10 Flyin’ high,
Drop that napalm from the sky!
See Charlie there down in the wood,
Drop that napalm boil his blood!

A-10, A-10 Flyin’ high,
Drop that napalm from the sky!
See that Nazi down in the stream,
Drop that napalm hear him scream!

A-10, A-10 Flyin’ high,
Fire your cannon from the sky!
See that pinko-commie red,
Give him 2 in the chest and one in the head!

Bodies bodies bodies

Load another magazine

In my trusty M-16

Cuz all I ever wanna see

Is bodies bodies bodies

Prep another claymore mine

See the light I’m feelin fine

Cuz all I ever wanna see

Is burning chunks of bodies

Draw my rusty bayonet

See the funny looks I get

Cuz all I ever wanna see

Is rotten stinking bodies

Throw some candy on the ground

Watch the children gather round

Cuz all I ever wanna see

Is little bleeding bodies

Chairborne Ranger

It’s one thirty now on the strip
Chairborne daddy gonna take a little trip
Stand up, lock up, shuffle to the door
The club for lunch and home by four
If there’s something to decide
Close your door and try to hide
Every time you get a call
You’re out playing racquetball
First revise the SOP
Make a change in policy
Ours is not to wonder why
It’s written down in the LOI
God forbid we should go to war
All that paperwork would be a bore
Let me stay behind my desk
Anything is better than the leaning rest
Chairborne Ranger, that’s what I am
One of a kind, I’m and AG man

Don’t Fall Out

You say) I don’t know what you come to do.
(platoon say)-I don’t know what you come to do.
(You say)I came to clap my hands
(P)My hands
(Y)I came to stomp my feet
(P)My feet
(Y)I came to rock my head
(P)My head
(Y)Rock it to the the beat
(P)The beat
(Y)I said,don’t fall out
(P)You gota deal with it
(Y)Don’t you fall out
(P)You gota deal with it
(Y)You can’t count to five
(P)You gota deal with it
(Y)Just to stay alive
(P)You gota deal with
(Y)You can’t count to six
(P)You gota deal with it
(Y)PT makes me sick
(P)You gota deal with it
Free style the rest

Fat Boy Fat Boy Why You So Fat?

Fat boy, fat boy, why you so fat?
You weeble wouble, weeble wouble, weeble like that.
Fat boy, fat boy, don’t you know,
They sell Slim Fast at the corner store,
They sell Ex-Lax to help you drop it fast,
and Pepto Bismol tightens up that ass.

Left, Right, Kill (Terrorist Version)

I went to the desert
Where all the terrorists run
I pulled out my machete
and I had a little fun!

Left, right, left, right, left right kill!
You mess with us and you know we will!

I went to the caves
Where all the terrorists hide
I pulled out a grenade
and I threw it inside!

Left, right, left, right, left right, kill!
You mess with us and you know we will!

Momma Told Sally

Momma told told Sally not to go downtown,
Too many Crewchiefs hangin’ around.
Sally got the ass and she went anyway,
She didn’t come home till late the next day.

Three months later, all was well,
Six months later, she began to swell,
Nine months later, out it came,
It was a bald headed Crewchief swingin’ a chain.

Singin’, “I’m Hardcore”
Motivated.

Dedicated.

Combat.

Ready.

Rollin’.

Steady.

We got the right, the right to rock steady,
We got to the right to roll when we’re ready.
But when the time comes I got to be ready,
Willin and able to rock steady.

MP, MP, Don’t Arrest Me

MP, MP, don’t arrest me,
arrest that leg behind the tree,
he stole the whiskey,
I stole the whine,
we did this all at a double time,
cause we’re hardcore,
lean and mean,
hard core,
fighting machines.

Seen An Old Lady

I Seen an old lady walkin down the street
She had a ruck on her back, jump boots on her feet.
I said hey old lady where you goin to
She said US Army Airborne school
I said hey old lady dont you think you’re too old
You better leave that jumpin to the young and the bold
She said hey young punk who you talkin to
I’m a Jumpmaster from Airborne school.
Then I seen an old lady walkin down the street
She had ropes in her hand, jump boots on her feet.
I said hey old lady where you goin to
She sais US Army Air Assault school
I said hey old lady dont you think you’re too old
You better leave that slidin to the young and the bold
She said hey young punk who you talkin to
I’m an instructor from Air Assault school
Then I seen an old lady walkin down the street
She had a tank on her back, and fins on her feet
I said hey old lady where you goin to
She said US Army scuba school
I said hey old lady dont you think you’re too old
You better leave that divin to the young and the bold
She said hey young punk who you talkin to
I’m an instructor from scuba school

You Gotta Deal With It

You can’t bring no smoke
You gotta deal with it!

PT ain’t no joke
You gotta deal with it!

All this doubletime
You gotta deal with it!

Is messing with my mind
You gotta deal with it!

One more mile to go
You gotta deal with it!

I heard that before
You gotta deal with it!

All this doubletime
You gotta deal with it!

Is messing with my mind
You gotta deal with!

Marching Cadences

1-2-3-4 (The Real Way)

1,2,3,4
You can’t count to 5
1,2,3,4
Cause your brains are fried
On crack and dope and all that shit you smoke
Crack baby
Hit em’ on the head with a base ball bat
Oww that hurt
I’ll smack your mama and your girl freind too
say oh, oh, oh, oh, oh
Who,
Who’s your daddy
Who,
Who’s your daddy

Airborne Ranger #3

Their home is Fort Benning
The land that God forgot
The mud is 18 inches deep
The sun is blazing hot

Chorus:Airbooooooooorne Raaaaaaaangers Lead The Way

So walking down the street one day
I met a total stranger
He asked me what I wanted to be
I said an Airborne Ranger

Chorus:Airbooooooooorne Raaaaaaaangers Lead The Way

I’m sitting in my foxhole
Sharpinning my knife
Up jumped the enemy
I had to take his life

Chorus:Airbooooooooorne Raaaaaaaangers Lead The Way

I went to wake up the Sergeant
He was lying in his bed
I went to turn him over
I found out he was dead

Chorus:Airbooooooooorne Raaaaaaaangers Lead The Way

My buddies in a foxhole
With a bullet in his head
The medic said he’s wounded
But I know that he’s dead

Chorus:Airbooooooooorne Raaaaaaaangers Lead The Way

I hear the choppers coming
They’re flying over head
They come to get the wounded
But all they find is dead

Chorus:Airbooooooooorne Raaaaaaaangers Lead The Way

So out in the battle field covered in blood
There lies a ranger dying in the mud

Chorus:Airbooooooooorne Raaaaaaaangers Lead The Way

Airborne, Ranger (shoot shoot shoot shoot to kill)

My buddies in a foxhole,
a bullet to his head,
the medic said hes wounded,
but i know hes dead

airborne, (shoot shoot shoot shoot to kill)
ranger er er eeer

I went to see the 1st SGT,
Hes lying in his bunk,
the medic said hes wounded,
but i know hes drunk

(chorus)
airborne, ranger (shoot shoot to kill)

Airborne Stranger

(to the tune of “I hear the choppers coming”)

I’ll tell you a story

It’s true I swear

About an Airborne Ranger

Who wore ladies’ underwear

Airboooooorne

Strangeeeeeeer

They gave him a mission

They said he must not fail

He landed in the drop zone

And he stopped to do his nails

He put on silk panties

And he put on his brassier

He crept up on the commies

And he took them from the rear

Army Life is not My Style

U o o no
got to leave I got to go
this army life is not my style
It got me looking like Gommer Pyle

U Oh oh no
Shanna na na na hey
this army life is all messed up
it got me looking like Elmer Fud

Use to wear my faded jeans
Now I’m wearing army greens
this army life is not my style
It got me looking like Gommer Pyle

I used to date a beauty queen
Now I date my M- 16
this army life is not my style
it got me looking like gommer pyle

Band of Brothers

Above the land,

Across the sea,

We’re everywhere,

We need to be.

We’re brothers of,

A special kind,

A better band,

You’ll never find.

Band of brothers,

That’s what we are,

Fighting evil,

Near and far.

Band of brothers,

That’s what I said,

Baptized by fire,

Scarred by lead.

We’re lean and mean,

And fit to fight,

Anywhere,

Day or night.

When bullets fly,

And rockets fall,

We’ll stand our ground,

And give our all.

We’re on the move,

We’re on the march,

We’re diggin’ ditches,

And breakin’ starch.

When you hear,

Our battle cry,

You better move,

And step aside.

Band of brothers,

That’s what we said,

Mess with us,

We’ll shoot you dead.

Band of brothers,

Trained to kill,

If we don’t getcha,

Our sisters will.

Blood Upon The Risers

He was just a cherry trooper and he surely shook with fright
as he checked all his equipment and made sure his pack was tight
He had to sit and listen to the awful engines roar,
And he ain’t gonna jump no more.

CHORUS:
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
He ain’t gonna jump no more.

“Is everybody happy?”cried the Sergeant, looking up.
Our hero feebly answered “eyes,” and then they stood him up.
He leaped right out into the blast, his static line unhooked.
He ain’t gonna jump no more.

CHORUS:
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
He ain’t gonna jump no more.

He counted long, he counted loud, he waited for the shock;
He felt the wind, he felt the clouds, he felt the awful drop;
He jerked his cord, the silk spilled out and wrapped around his legs.
He ain’t gonna jump no more.

CHORUS:
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
He ain’t gonna jump no more.

The risers wrapped around his neck, connectors cracked his dome;
The lines were snarled and tied in knots, around his skinny bones;
The canopy became his shroud, he hurtled to the ground.
He ain’t gonna jump no more.

CHORUS:
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
He ain’t gonna jump no more.

The days he’d lived and loved and laughed kept running through his mind;
He thought about the girl back home, the one he’d left behind;
He thought about the medics and wondered what they’ed find.
He ain’t gonna jump no more.

CHORUS:
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
He ain’t gonna jump no more.

The ambulance was on the spot, the jeeps were running wild;
The medics jumped and screamed with glee, they rolled their sleeves and smiled;
For it had been a week or more since last a chute had failed.
He ain’t gonna jump no more.

CHORUS:
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
He ain’t gonna jump no more.

He hit the ground, the sound was splat, his blood went spurting high;
His comrades were then heard to say, “A helluve way to die”;
He lay there rolling around in the welter of his gore.
He ain’t gonna jump no more.

CHORUS:
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
He ain’t gonna jump no more.

There was blood upon the risers, there were brains upon the chute;
Intestines were a-dangling from this paratrooper’s boots;
They picked him up, still in his chute and poured him from his boots.
He ain’t gonna jump no more.

CHORUS:
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
Gory, Gory, What a helluva way to die
He ain’t gonna jump no more

Coke Count Cadence

Count cadence, coke cadence, count cadence, count!
C!!! in a bottle!
O!!! in a can!!
K!!! wish i had one!!
E!!! in my hand!!
C – drink it
O chug it
K chuck it
E break it down
C-O-K-E, C-O-K-E, a coke, a coke, an icy cold coke

Columbo

In eighteen hundred and ninety four,
in the streets of old Bigotti.
There lived a young Italian lad,
selling hot tomalies.
He said the world was round-o,
he said it could be found-o.
The hypothetical, navigatin’, son-of-a-b**ch (gun) Columbo.

The queen she gave him three tall ships,
they all were triple deckers.
The queen she waved her handkerchief,
Columbo waved his pecker (hand)
He said the the world was round-o,
he said it could be found-o.
That hypothetical, navigatin’, son-of-a-b**ch (gun) Columbo.

His first mate was a cabin boy,
a dirty little nipper.
They lined his bunk with broken glass,
and circumcised the skipper.
He said the world was round-o,
he said it could be found-o.
That hypothetical, navigatin’, son-of-a-b**ch (gun) Columbo.

One by One

One by one, we were havin’ some fun in the desert all day
and all through the night, HEY HEY
Two by two, the Al-Qaeda came through in the desert all day and through
the night, HEY HEY
Three by three, we shot at their knees in the desert all day and all
through the night, HEY HEY
Four by four, we shot em’ some more in the desert all day and all
through the night, HEY HEY
Five by five, no Al-Qaeda alive in the desert all day and all through
the night, HEY HEY
Six by six, we reloaded our clips in the desert all day and all through
the night, HEY HEY
Seven by seven, there’s a 7-11 and it’s open all day and all through
the night, HEY HEY
Eight by eight, all the killin’ was great in the desert all day and all
through the night, HEY HEY
Nine by nine, all the killin’ was fine in the desert all day and all
through the night, HEY HEY
Ten by ten, let’s do it again in the desert all day and all through the
night, HEY HEY

Yellow Bird #2

A yellow bird
witha yellow bill
sat up upon
my windowsill
i lured him in
with a piece of bread
and then i smashed
his yellow head

A little bird
with little feet
sat up upon
my toilet seat
i pused him in
and flused him down
and that little bird
went round and round

A bigger bird
with a bigger bill
sat up upon
my window sill
i lured him in
with a bigger bread
and then i smashed in
his bigger head
the doctor came
and the doctor said
that this big bird
sure aint dead
oh me oh my
I’m such a cluts
i smashed out the birds guts!

Come Along And Join Our Party

Come along and join our party
Come along and have some fun
We’re the soldiers of the U.S. Army
droppin rounds on everyone

Go to town and kill some commies
Throw some napalm on red square
Do it on a Sunday morning
As the people go to prayer

Come along and join our party
Come along and have some fun
We’re the soldiers of the U.S. Army
droppin rounds on everyone

Aiming mortors at the school yard
Watch the teacher ring the bell
Look at all those children crying
As their school yard burns to hell

Come along and join our party
come along and have some fun
We’re the soldiers of the U.S. Army
droppin rounds on everyone

Throw some candy to those children
Watch them as they gather round
Lock and load on your M16
Mow those little suckers down

Come along and join our party
Come along and have some fun
We’re the soldiers of the U.S. Army
droppin rounds on everyone

Everywhere We Go #2 (Navy Version)

Every where we go,
people wanna’ know,
who we are,
and where the hell we come from,
so, we tell them,
we ain’t the Army,
the backpacking Army,
we are the Navy the mighty, mighty Navy.

Every where we go,
people wanna’ know,
who we are,
and where the hell we come from,
so we tell them,
we ain’t the Marines,
they don’t even look mean,
we are the Navy,
the mighty, mighty Navy.

Every where we go,
people wanna’ know,
who we are,
and where the hell we come from,
so we tell them,
we ain’t the Air Force,
the low flyin’ Air Force,
we are the Navy,
the mighty, mighty Navy.

Everywhere we go,
people wanna’ know,
who we are,
and where the hell we come from,
so we tell them,
we ain’t the Coast Guard,
a boat full of retards,
we are the Navy,
the mighty, mighty Navy.

Everywhere We Go (Army Pride Version)

Every where we go,
people wanna’ know,
who we are,
and where the hell we come from,
so we tell them,
we ain’t the Marines,
they don’t even look mean,
we are the Army,
the back-packin’ Army.

Every where we go,
people wanna’ know,
who we are,
and where the hell we come from,
so we tell them,
we ain’t the Air Force,
the low flyin’ Air Force,
we are the Army,
the dedicated Army.

Everywhere we go,
people wanna’ know,
who we are,
and where the hell we come from,
so we tell them,
we ain’t the Coast Guard,
a boat full of retards,
we are the Army,
the rock strong Army.

 

Hand Salute

Proper Military Salute Hand Position

Ensuring the correct military salute hand position is essential for maintaining professionalism and respect. The right hand should be raised sharply, fingers extended and joined, with the palm facing downward. The forefinger should touch the appropriate point based on whether headgear or glasses are worn. The wrist remains straight, and the arm is positioned at a slight forward incline to maintain uniformity in execution.

a. The hand salute is a one-count movement. The command is Present, ARMS. When wearing headgear with a visor (with or without glasses), on the command of execution ARMS, raise the right hand sharply, fingers and thumb extended and joined, palm facing down, and place the tip of the right forefinger on the rim of the visor slightly to the right of the right eye. The outer edge of the hand is barely canted downward so that neither the back of the hand nor the palm is clearly visible from the front. The hand and wrist are straight, the elbow inclined slightly forward, and the upper arm horizontal

Hand Salute

b. When wearing headgear without a visor (or uncovered) and not wearing glasses, execute the hand salute in the same manner as previously described in subparagraph a, except touch the tip of the right forefinger to the forehead near and slightly to the right of the right eyebrow.

How to Salute with Glasses

For those wearing eyewear, understanding how to salute with glasses is important. The salute is executed similarly to the standard method, but instead of touching the visor or forehead, the forefinger should be placed where the temple piece of the glasses meets the right edge of the brow. This ensures precision while maintaining the proper form of military courtesy.

c. When wearing headgear without a visor (or uncovered) and wearing glasses, execute the hand salute in the same manner as described in subparagraph a, except touch the tip of the right forefinger to that point on the glasses where the temple piece of the frame meets the right edge of the right brow.

d. Order arms from the hand salute is a one-count movement. The command is Order, ARMS. On the command of execution ARMS, return the hand sharply to the side, resuming the position of attention.

e. When reporting or rendering courtesy to an individual, turn the head and eyes toward the person addressed and simultaneously salute. In this situation, the actions are executed without command. The salute is initiated by the subordinate at the appropriate time and terminated upon acknowledgment.

f. The hand salute may be executed while marching. When double timing, a soldier must come to quick time before saluting.

NOTE: When a formation is marching at double time, only the individual in charge assumes quick time and salutes.

 

Facing Movements

Facing to the flank is a two-count movement for turning to one side or the other. The command is “Left, face” or “Right, face.” The Figure below illustrates “left face.” On the command of execution, “Face,” slightly raise yourself 90 degrees to the left on your left heel. A slight pressure on the ball of your right foot will help you do this correctly. Keep your right leg straight, but not stiff. On the second count, place your right foot beside your left foot, and resume the position of attention. Hold your arms as you would while at attention as you execute this movement. Right face will be executed in the very same way as left face, simply substituting right for left and left for right.

Facing to the rear is also a two-count movement and is illustrated in the figure below. The command is “About, face.” On the command of execution, “Face,” touch the toe of your right foot to the ground about half the length of your foot to the rear and slightly left of the left heel. Rest your weight on the heel of your left foot, and allow your right knee to bend naturally. On the second count, turn 180 degrees to the right on the left heel and on the ball of the right foot, resuming the position of attention. Hold your arms at attention when executing this movement.

Mastering Facing Movements for Precision

Facing movements are essential drill commands that enable soldiers to turn efficiently while maintaining proper posture and alignment. These movements are executed in two counts and are crucial for maintaining unit discipline and coordination during formations.

Importance of Proper Execution

Precision in facing movements ensures uniformity and sharpness in military drills. Each movement must be executed crisply, with feet positioned correctly and body posture maintained at attention. Proper execution not only reinforces discipline but also enhances group synchronization during marches and ceremonies.

Common Mistakes and How to Avoid Them

When performing facing movements, common mistakes include failing to maintain balance, improper foot placement, or bending the knees too much. To avoid errors, soldiers should practice with controlled movements, focusing on maintaining an upright posture and keeping their arms still at attention. Consistent practice helps improve execution speed and accuracy.

 

Military Cadence

Military Cadences

A military cadence is a traditional call-and-response chant that serves to keep soldiers in unison during running or marching exercises. These rhythmic chants, often led by a drill sergeant or unit leader, help maintain the pace and morale of the troops while fostering a sense of camaraderie and teamwork. The cadence usually consists of simple, repetitive phrases that are easy to memorize and synchronize with physical movements. The origins of military cadences date back to the early days of organized armies and have evolved into an integral part of military training and culture.

The primary difference between a running cadence and a marching cadence lies in their tempo and purpose. Running cadences, often called “jodies,” have a faster rhythm designed to match the pace of troops during a run. These cadences typically feature energetic and motivational themes to keep soldiers motivated during physically demanding activities. On the other hand, marching cadences have a slower, more deliberate tempo suited for marching in formation. They focus on maintaining step synchronization and discipline. Each of these cadences reflects the unique spirit and traditions of military life while helping to build unit cohesion and morale. Explore popular cadences below:

Running Cadences

C-130 Rollin’ Down the Strip

C-130 rollin’ down the strip
64 Rangers on a one-way trip
Mission Top Secret, destination unknown
They don’t even know if they’re ever coming home
When my plane gets up so high
Paratroopers take to the skies

Stand up, hook up, shuffle to the door
My knees got weak and I hit the floor
Jumpmaster picked me up with ease
Tossed my knees into the breeze

Count one-thousand, two-thousand, three-thousand, four
My main opened with a mighty roar
But if my main don’t open wide
I got a reserve by my side
But if that one should fail me too
Look out below I’m a-comin’ through

If I die on the old drop zone
Box me up and ship me home
Pin my wings upon my chest
And then bury me in the leaning rest

Well if I die on a Chinese hill
Take my watch or the commies will
But if I die in the Korean mud
Bury me with a case of Bud

Well if I die on a Chinese hill
Take my watch or the commies will
But if I die in the Korean mud
Bury me with a case of Bud

Saw an Old Lady

Saw an old lady running down the street
Had a cute on her back, jump boots on her feet
Said, “Hey old lady where you goin’ to?”
She said “US Army Airborne School”
“Whatcha gonno do when you get there?”
“Jump from a plane, float through the air”
I said “Hey old lady ain’t you been told?
Airborne School’s for the young and the bold”
She said “Hey young punk who you talkin’ to?
I’m an instructor at the Airborne School”

Saw an old lady marching down the road
Had a knife in her hand and a 90lb load
Said, “Hey old lady where you goin’ to?”
She said “US Army Ranger School”
“Whatcha gonna do when you get there?”
“Jump and swim and kill without care”
I said “Hey old lady ain’t you been told?
Ranger School’s for the young and the bold”
She said “Hey young punk who you talkin’ to?
I’m an instructor at the Ranger School”

Saw on old lady running down the track
Had fins on her feet and a tank on her back
Said, “Hey old lady where you goin’ to?”
She said “US Army scuba School”
“Whatcha gonno do when you get there?”
“Swim under water and never breathe air”
I said, “Hey old lady ain’t you been told?
Scuba School’s for the young and the bold”
She said “Hey young punk who you talkin’ to?
I’m an instructor at the Scuba School”

I wanna be an airborne ranger!!!

I wanna be an airborne ranger,
Live the life of guts and danger.

Airborne ranger,
Life of danger.

I wanna be a scuba diver,
Swim around in the muddy water.

Scuba diver, muddy water.
Airborne ranger, life of danger.

I wanna be an S.F. medic,
Shoot some funky anisthetic.

S.F.medic, anesthetic.
Scuba diver, muddy water.
Airborne ranger, guts and danger.

And when I retire.

Im gonna be a texas ranger,
Drive around in sking tight wranglers!

Texas ranger, skin tight wranglers.

Im gonna be a UPS man,
Drive around in a ugly brown van.

Ups man, ugly brown van
Texas ranger, skintight wranglers.

Im gonna be a forrest ranger.
Chipmunks are my greatest danger.

Forrest ranger, chipmunk danger.
UPS man, ugly brown van.
Forrest ranger, chipmunk danger.

Dingle Dangle

Left Left oh right left
left right left
keep it in step
but dont let your dingle dangle dangle in the dirt
pick up your dingle dangle put it in your shirt
left left oh right left
left right left
keep it in step
but dont let your dingle dangle dangle in the mud
pick up your dingle dangle hand it to your bud
left left oh right left
left right left
keep it in step
but dont let your dingle dangle dangle in the snow
pick up your dingle dangle tie it in a bow
left left oh right left
left right left
keep it in step
but dont let your dingle dangle to low
pick up your dingle dangle and lets go
left left oh right left
left right left
keep it in step

Drip Drop, Drippity Drop

The lines in italics are to be called by the soldiers in formation.

The roof started leaking and the rain fell on my head
Drip, drop, drippity drop, drop

I said the roof started leaking and the rain fell on my head
Drip, drop, drippity drop, drop

Well, my baby done left me, I might as well be dead
Drip, drop, drippity drop, drop

Well, I’m sittin’ here drinkin’, thinkin’ what I’m gonna do
Drip, drop, drippity drop, drop

Yeah, I’m sittin’ here drinkin’, thinkin’ what I’m gonna do
Drip, drop, drippity drop, drop

My baby’s gone and left me, I’m feelin’ mighty blue
Drip, drop, drippity drop, drop

Well, I talked to the preacher and he said it was a sin
Drip, drop, drippity drop, drop

Yeah, I talked to the preacher and he said it was a sin
Drip, drop, drippity drop, drop

I guess that’s because my baby ran off with him
Drip, drop, drippity drop, drop

Then I called the C-O and who d’ya think answered his phone
Drip, drop, drippity drop, drop

Yeah, I called up the Captain and who d’ya think answered his phone
Drip, drop, drippity drop, drop

My baby said she’d gone and found herself a brand new home.
Drip, drop, drippity drop, drop

Hey Lodie Dodie

Caller: Hey lodie dodie
Chorus: a hey, hey
caller: hey lodie dodie hey
chorus: a hey, hey
caller: got a letter,in the mail
chorus: a hey, hey
caller: go to war or go to jail
chorus: a hey, hey
caller: hey lodie dodie
chorus: a hey, hey
caller: hey lodie dodie hey
chorus: a hey, hey
caller: use to date a girl name jean
chorus: a hey, hey
caller: now i got an m16
chorus: a hey, hey
Caller: now i’m humpin with a pack
chorus: a hey, hey
caller: use to ware my fadded jeans
chorus: a hey, hey
caller: now i’m waring army greens
chorus: a hey, hey
caller: hey lodie dodie
chorus: a hey, hey
caller: hey lodie dodie hey
chorus: a hey, hey
caller: ham hocks and collard greens
chorus: a hey, hey
caller: makes a soldier really mean
chorus: a hey, hey
caller: if micheal jackson, were here to day
chorus: a hey, hey
caller: here’s the words, that he would say
chorus: a hey, hey
caller: (in a micheal type tone) He,he,he,he,he
chorus: a hey, hey
caller: hey lodie dodie hey
chorus: a hey, hey
caller: hey lodie,hey lodie, hey lodie dodie hey
chorus: a hey, hey
caller: if r kelly were here today
chorus: a hey, hey
caller: here’s the words that he would say
chorus: a hey, hey
caller: i beleive, that i can fly
chorus: a hey, hey
caller:i beleive i can touch the sky.
chorus: a hey, hey
caller: hey lodie,hey lodie, hey lodie dodie hey
chorus: a hey, hey
caller: hey lodie,hey lodie, hey lodie dodie hey

I Got A Yo-Yo

When I was a little one
My momma told me
Go to the store and………
Get what you need
I got me a Yo-Yo
Wound it up tight
Wound it in the morning
Wound it all night
Wound it in the hall
Wound it on the w–all
I said’a who, huh, what, I gotta Yo-Yo!!!
I said’a who, huh, what, I gotta Yo-Yo!!!

Get yourself a private
Wind him up tight
Smoke him in the morning
Train him all night
Train him in the hall
Train him on the w–all
I said’a who, huh, what, I gotta Yo-Yo!!!
I said’a who, huh, what, I gotta Yo-Yo!!!

Get yourself a sargent
Wind him up tight
Follow in the morning
Dog him all night
Dog him in the hall
Dog him in the w–all
I said’a who, huh, what, I gotta Yo-Yo!!!
I said’a who, huh, what, I gotta Yo-Yo!!!

Me And Superman #2

Me and Superman got into a fight;
hit him in the head with Kryptonite.
I hit him so hard that I busted his brain;
and now I’m dating Lois Lane.

Me and Batman had it out too;
I kicked him in the head with my combat boot.
I kicked him in the head with my left boot heal;
and now I’m driving that Bat-Mobile.

Me and the Hulk went blow for blow;
but I like green so I let him go.
And I guess you’ve heard about a guy named Flash;
we raced around the track ’till he puked in the grass.

Rollin’ Rollin’ Rollin”

Rollin’ rollin’ rollin’
Oh my feet are swollen
Don’t let your dingle dangle dangle in the mud
Pickup your dingle dangle, give it to your bud
Rollin’ rollin’ rollin’
Oh my ankles are swollen
Don’t let your dingle dangle dangle in the dirt
Pickup your dingle dangle, put it in your shirt
Rollin’ rollin’ rollin’
Oh my legs are swollen
Don’t let your dingle dangle dangle on the ground
Pickup your dingle dangle, toss it all around
Rollin’ rollin’ rollin’
Oh my knees are swollen
Don’t let your dingle dangle dangle in the track
Pickup your dingle dangle, put it in your pack

The Motivator

(chorus)
YOUR LEFT, YOUR LEFT, YOUR LEFTTT, RIGHTTTT, LEFTTTT

somebody ain’t goin’ make it,
cause their punie little heart can’t take it

(chorus)
YOUR LEFT, YOUR LEFT, YOUR LEFTTT, RIGHTTTT, LEFTTTT

first sgt ain’t goin’ make it,
cause their punie little heart can’t take it

(chorus)
YOUR LEFT, YOUR LEFT, YOUR LEFTTT, RIGHTTTT, LEFTTTT

LT ain’t goin’ make it,
cause their punie little heart can’t take it

Marching Cadences

Airborne Ranger (In Combat) II

My home is Ft. Benning,
The land that time forgo-ot.
The mud is 18 inches deep,
The sun is blazing ho-ot.
(Air,bor,or,or,orn Rang er,er,er-er-er)
Sitting on a hilltop,
Eatin beans & fra-anks.
When all of a sudden,
The bullets start to cra-ank.
(Air,bor,or,or,orn Rang er,er,er-er-er)
Sitting in my foxhole,
My boots are caked with mu-ud.
Look over at my buddy,
His face is caked with blood.
(Air,bor,or,or,orn Rang er,er,er-er-er)
You go to get yer Captain,
You find him in his be-ed.
But when you roll him over,
You find that he’s dead.
(Air,bor,or,or,orn Rang er,er,er-er-er)
You go to get yer Sgt,
You find him in his be-ed.
And when you roll him over,
He slaps you in the head
(Air,bor,or,or,orn Rang er,er,er-er-er)
You hear the choppers coming,
They’re hoverin overhead.
They’ve come to get the wounded,
They’ve come to get the dead.
(Air,bor,or,or,orn Rang er,er,er-er-er)
You see the flag awaivin,
It’s waiving overhead.
It’s waiving for the wounded,
It’s waiving for the dead.
(Air,bor,or,or,orn Rang er,er,er-er-er)

Captain Jack

Hey, hey Captain Jack
Meet me down by the railroad track
With that rifle in my hand
I’m gonna be a shootin’ man
A shootin’ man
The best I can
For Uncle Sam

Hey, hey Captain Jack
Meet me down by the railroad track
With that knife in my hand
I’m gonna be a cuttin’ man
A cuttin’ man
A shootin’ man
The best I can
For Uncle Sam

Hey, hey Captain Jack
Meet me down by the railroad track
With that grenade in my hand
I’m gonna be a killin’ man
A killin’ man
A cuttin’ man
A shootin’ man
The best I can
For Uncle Sam

Hey, hey Captain Jack
Meet me down by the railroad track
With that bottle in my hand
I’m gonna be a drinkin’ man
A drinkin’ man
A killin’ man
A cuttin’ man
A shootin’ man
The best I can
For Uncle Sam

Hey, hey Captain Jack
Meet me down by the railroad track
With that book in my hand
I’m gonna be a studyin’ man
A studyin’ man
A drinkin’ man
A killin’ man
A cuttin’ man
A shootin’ man
The best I can
For Uncle Sam

Down By The River

Down by the river
I took a little walk
Ran into the enemy
We had a little talk

I didn’t like their attitude
Didn’t like the way they walked

So I pushed em
I shoved em
I threw em in the river
laughed as they drowned

We don’t need the enemy
Hangin, hangin, hangin around

(chorus)
Heyyyy, don’t be a fool
Somebody said we we number two
We’re number one

Noooo, not number five
Not number four number three, number two
We’er number one

Hail O’ Hail O’ Infantry

Up in the morning, outta the rack
Greeted at dawn with an early attack
First Sergeant rushes me off to chow
But I dont need it anyhow

Hail O’ Hail O’ Infantry
Queen of battle follow me
An airborne rangers life for me
O’ nothing in this world is free

From a big bird in the sky
All will jump and some will die
Off to battle we will go
To live or die, hell I dont know

Hail O’ Hail O’ Infantry
Queen of battle follow me
An airborne rangers life for me
O’ nothing in this world is free

Early at night its drizzilin’ rain
I am hit and feel no pain
But in my heart I have no fear
Because my ranger God is here

Hail O’ Hail O’ Infantry
Queen of battle follow me
An airborne rangers life for me
O’ nothing in this world is free

The mortars and artillery
The screaming bursts around me
Jagged shrapnel on the fly
Kills my buddy, makes me cry

Hail O’ Hail O’ Infantry
Queen of battle follow me
An airborne rangers life for me
O’ nothing in this world is free

One, Two, Three, Your Left
Hooah
One, Two, Three, Four
AIRBORNE (Loud and thunderous)

Hi, Ho, Lock And Load

Hi ho, lock and load
The engines are running we’re ready to go
To kill the enemy, take control
So early in the morning

M-1s on the hill
The tank commander is ready to kill
He gives the order “fire at will”
So early in the morning

Bradleys are moving slow
You see him stop and raise the TOW
To hit them with that fatal blow
So early in the morning

Apaches fill the sky
The F-16s go zooming by
The enemy is about to die
So early in the morning

Sniper on the ground
He’s moving in without a sound
He locks and loads a single round
So early in the morning

Tracers flying overhead
While the cooks are sleeping in their beds
But they don’t know they’ll soon be dead
So early in the morning

Gas gas don your mask
You pray to god it’s just a test
Cuz if it’s not you’ll shit your pants
So early in the morning

Hi Ho, Lock and Load (Patriot Version)

Hi Ho Lock and Load
The sound of the Radar is loud and bold
14 Echoes are ready to roll
So early, so early, so early in the morning

Outta my rack at a Quarter to Four
The Captain yells We’re Going to War
Grabbed my ruck on my way out the door
So early in the morning

Grabbed my dispatch, grabbed my keys
A Tangos crying on his knees
The tanks are full, we’re heading out
So early, so early, so early in the morning

Emplace the Big Four there and now
The Launchers stuck I don’t know how
All Tangos do is drive and drive
So early in the morning

Prime Powers up, the Radars done
Echoes are out just having fun
The Chock Blocks (Tangos) are digging
The excitements begun
So early in the morning

Finally the launchers up
The fibers in, that’s just plain luck
The ICC is happy now
So early in the morning

Monitor both day and night
Blasting Scuds from left to right
14 Echoes lead the way
So early, so early, so early in the morning

I Hear The Choppers

I hear the choppers coming,
They’re flying overhead.
They’ve come to get the wounded,
They’ve come to get the dead.

(chorus)

My buddy’s in a foxhole,
A bullet in his head,
The medic says he is wounded,
But I know that he’s dead

(chorus)

I ran to tell the CO
About my buddy’s head
But when I got there,
The CO was dead

(chorus)

And now the battle’s over,
and smoke is all around.
We wanted to go home,
But we’re six feet underground.

(chorus)

I Left My Home

Your mother was home when you left *your right!
Your father was home when you left *your right!
your sister was home when you left *your right!
your brother was home when you left *your right!

your mother, your father, your sister, your brother,
the dog, the cat, the fish, the rat, your aunt, your uncle, and both of your cousins, your papa, your granny, the maid, the nanny, they all was home when you left *your right!
And thats the reason you left* your right!

I left my hoooome /for the army/
I left my hoooome/ for the army/
the day I leeeeft/my mama criiied/
she thought that IIII/was gonna diiie/
I left my wiiife/ standin at the dooooor/
she thought that IIIIII/would die at waaaar/
I left my soooooon/ playin in the yaaard/
to see his daddy leeaave/ made him cry so haaaard/
the day I leeeeft/I shook my daddy’s haaand/
He said that IIIIII/ had become a maaaaan/
oowie oowiiieeeee/ oowiie owieeeeeeeee/
oowie oowieeeeeee/ oowie owieeeeeeeeeeeeee/

Johnny

(Chorus) Lowrider lowrider left right left – Singin lowrider lowrider get in step

Mama told Johnny not to go downtown
There were too many airborne recruiters around
But Johnny didn’t listen and he went anyway
He shipped for the Army the very next day

(Chorus)

Johnny had a girl and her name was Carrie
She was happy cuz they planned to marry
But Johnny wanted to live the life of danger
And wear the black beret of the airborne ranger

(Chorus)

Johnny jumped in to Vietnam
Cuz he wanted to kill the Viet Cong
Johnny jumped on a hand grenade
To save the lives of the friends he made

(Chorus)

Now Johnny didn’t know it but he was a father
He gave his son the Medal of Honor
Johnny came home in a flag drapped coffin
The bugle was playin and the tears were droppin

Ol’ King Cole

Old King Cole was a merry old soul,
a merry old soul was he.
He called for his pipe and he called for his bowl and he called for his Privates three.
Beer! Beer! Beer! Said the Privates.

(Chorus)
What merry men are we!
but none so fair that we can compare to the Airborne Infantry!

Old King Cole was a merry old soul,
a merry old soul was he.
He called for his pipe and he called for his bowl and he called for his Corporals three.
I need a three day pass said the Corporal
Beer! Beer! Beer! Said the Privates.

(chorus)

Old King Cole was a merry old soul,
a merry old soul was he.
He called for his pipe and he called for his bowl and he called for his Sergeants three.
Left right left said the Sergeant.
I need a three day pass said the Corporal
Beer! Beer! Beer! Said the Privates.

(Chorus)

Old King Cole was a merry old soul,
a merry old soul was he.
He called for his pipe and he called for his bowl and he called for his El Tee’s three.
What do I do now? Said the El Tee.
Left right left said the Sergeant.
I need a three day pass said the Corporal
Beer! Beer! Beer! Said the Privates.

(Chorus)

Old King Cole was a merry old soul,
a merry old soul was he.
He called for his pipe and he called for his bowl and he called for his Captains three.
Who’s gonna drive my Hummer? Said the Captain
What do I do now? Said the El Tee.
Left right left said the Sergeant.
I need a three day pass said the Corporal
Beer! Beer! Beer! Said the Privates.

(Chorus)

Old King Cole was a merry old soul,
a merry old soul was he.
He called for his pipe and he called for his bowl and he called for his Majors three.
I need a bigger desk said the major.
Who’s gonna drive my Hummer? Said the Captain
What do I do now? Said the El Tee.
Left right left said the Sergeant.
I need a three day pass said the Corporal
Beer! Beer! Beer! Said the Privates.

(Chorus)

Old King Cole was a merry old soul,
a merry old soul was he.
He called for his pipe and he called for his bowl and he called for his Colonels three.
When can I play golf? Said the Colonel.
I need a bigger desk said the major.
Who’s gonna drive my Hummer? Said the Captain.
What do I do now? Said the El Tee.
Left right left said the Sergeant.
I need a three day pass said the Corporal
Beer! Beer! Beer! Said the Privates.

(Chorus)

Old King Cole was a merry old soul,
a merry old soul was he.
He called for his pipe and he called for his bowl and he called for his Generals three.
Keep those Privates straight! Said the Generals
When can I play golf? Said the Colonel.
I need a bigger desk said the major.
Who’s gonna drive my Hummer? Said the Captain.
What do I do now? Said the El Tee.
Left right left said the Sergeant.
I need a three day pass said the Corporal
Beer! Beer! Beer! Said the Privates.

(chorus)
(chorus)

 

Surviving Basic Training: The Dreaded Red Phase

Since the recent release of my book, The Ultimate Basic Training Guidebook, I have had countless e-mails from new recruits asking me if I am a recruiter. If you read my book, it will be obvious that I am not. Recruiters, although honest, will tend to paint a more upbeat picture of basic training. I do not. I will tell anyone that basic training is tough, but it is much easier if you are prepared, hence the reason I wrote the book. This article, part of an ongoing series, will provide some more tips (I am betting your recruiter did not tell you) on how to survive basic training.

Basic training can be divided into three phases: the Red Phase, the White Phase and the Blue Phase. The Red Phase has many nicknames, none of which are pleasant. It also happens to be the hardest phase.

During the Red Phase, which lasts 2 weeks, you will begin the process of becoming a soldier. This is known as the hardest phase only because you are in a new environment. In actuality, it will be your easiest phase physically. You will get acquainted with your morning fitness routine, which actually gets harder as basic training progresses. Also, you will not have any long road marches in the Red Phase. Many will not be able to make the mental adjustment from civilian to soldier — however, with a few key pointers, the Red Phase will be over before you know it.

First and foremost, understand that the Red Phase is all about failure. Your platoon will fail at just about every order given to you during this time. Now read that last sentence again.

Don’t go into basic training thinking you are going to impress everyone with how fit you are and how well you pay attention, because it doesn’t matter in the Red Phase. The purpose of the Red Phase is to break down your civilian attitude and realize that in order to accomplish the tasks your drill sergeant gives you, you will have to work in a team. In order to break you down, your drill sergeants will purposefully give your platoon tasks that they cannot possible accomplish. Why would your drill sergeants do this?

The reason is simple and important: With failure comes learned knowledge. Think of it like this: let’s say you want to open a lemonade stand. You get all your equipment ready and open up your shop. Customers buy your lemonade, but you notice after a while that you’re not getting repeat business. After asking around, you discover that people think your lemonade is too sweet. After adjusting your recipe, your sales skyrocket. That first failed recipe taught you what kind of lemonade people like. So during the Red Phase, don’t get mad when you fail. Try your hardest, but expect to fail.

Another great tip to surviving the Red Phase would be to establish your personality. The Red Phase is where you’re judged the most by other members of your platoon. Be sure to make that extra effort to help people out. Also, try to see if any of your fellow members are having a particularly tough time, and make an effort to alleviate their stress. A little attention in the Red Phase goes a long way. You can never have enough friends in basic training.

Lastly, speak with confidence. When you are asked to say something to your drill sergeant, say it with confidence even if you’re not confident about your answer. Speak loud, firm and with motivation. Your drill sergeants will notice, trust me. Drill sergeants like to pick on recruits who aren’t confident.

If you have a particular topic regarding basic training that you would like me to address, please e-mail at [email protected]

——————

Mike Volkin is the author of the Ultimate Basic Training Guidebook, available here.

 
 

U.S. Army Board Preparation Guide

Introduction
If you are scheduled to appear before a Soldier/NCO board or a promotion board, you should know that the competition will be intense. The good news is that, since you have been selected you are considered to be one of the best soldiers in your troop or company. Regardless of which type of board you are going to attend, this guide will help you arrange your preparation.

  1. REVIEW YOUR RECORDS
    You should schedule a records review at least 21 days prior to your board appearance. Your Official Military Personnel File (OMPF) is available to you online if you have an Army Knowledge Online (AKO) account. The items you will need to check are: correspondence course completion documentation, military and civilian course/school certification, awards, duty positions, assignments, time in service, time in grade, letters, etc. It’s a good idea to maintain a paper copy of your personal records. Bring this documentation to the record review. At the records review examine your DA Forms 2A and 2-1, Military Personnel Records Jacket (MPRJ), to ensure your information is correct and/or updated.
    Note for sergeants seeking promotion to staff sergeant; Sergeants should understand promotion board members are generally instructed to pay close attention to special and additional duty assignments. Boards are also tasked to consider evidence of a sergeant’s initiative and performance in leadership positions and/or in jobs with increasing levels of responsibility. The NCOER is the primary document the board will use to determine leadership potential. Sergeants should always pay close attention to their NCOER and other documentation to ensure their duty performance is properly recorded. Remember board members are looking for NCOs who can lead effectively, not simply meet requirements.
  2. STUDY AND PREPARATION
    1. Obtain a study guide. The purpose of a study guide is to make you aware of the type of questions that board members may ask and to put the material in a “user friendly” format for study. The questions in any study guide should not be considered to be the only questions a board will ask. Some units provide a basic study guide for their soldiers. Study guides can also be purchased at the PX. One excellent study resource is the Education Connection. This is a free and very comprehensive online study guide.
    2. Seek counsel; other soldiers in your unit who have previously been to “the board” can provide you with a wealth of valuable information. They will be able to tell you about the process, the types of questions asked and their views on what the board members are looking for. Additionally, they can participate in a mock board to help you prepare yourself (see mock boards). Knowing what to expect can help to ease your nerves and prevent you from being surprised by unexpected questions and situations.
    3. Know your unit’s history, meaning of the unit crest and the unit’s current mission.
    4. If being considered for promotion, know the MOS and skill level that you are being recommended for. Be familiar with the Soldier’s Manual and be proficient in the duties required of that skill level.
    5. Be prepared to express yourself on current events (world and national and local level). Pay close attention to news programs and read the daily newspaper at least a week prior to, and up to the date of the board.
  3. UNIFORM
    1. Ensure your uniform is in accordance with AR 670-1(AR 670-1 and most common Army Regulations can be found on line). Check the fit and location of sewn-on items to ensure that they are in compliance. Common uniform deficiencies are: poorly placed or frayed rank insignia and unit patch, sleeves or pant legs that are too long or short, or a coat that is too tight. Once uniform deficiencies are identified, send your uniform in for alterations and cleaning as soon as possible. If you are planning on attending future Soldier/NCO boards it could be worthwhile to purchase a polyester class A uniform. This uniform presents an outstanding appearance and will set you apart from your peers.
    2. Awards and decorations: Set up your uniform in accordance with AR 670-1. Use a ruler to check placement of awards and decorations. All authorized awards and decorations should be clean, and be properly positioned on the uniform. Brass must be of the authorized type, highly shined, and correctly positioned. The name tag must be in accordance with the regulation and properly positioned on the uniform. Check that the unit crests are clean and properly positioned. If any items are scratched, faded, worn, discolored or dirty, replace them. Remove loose threads. Double-check the precedence for your awards. You may want to ask your supervisor or platoon sergeant to inspect your uniform. Once you are sure everything is correct, place it in a garment bag or cover until you are ready to put it on for the board.
    3. Class A shirt and tie: Check to ensure that your shirt collar is clean and fits properly. A common mistake is to wear a shirt that is too tight or too loose in the neck. To determine the proper collar size; measure around your neck just above your collar bone, leaving 1 to 2 fingers between the tape and your neck, and round up to the nearest 1/2 inch. Ensure your tie is clean and pressed (a clip-on tie is not recommended).
    4. Footgear: must be in good repair and highly shined to include the edge of shoes and soles painted with sole dressing. Also, ensure shoes are properly laced, not cracked, and heels are not worn down.
    5. ID and head gear: Make sure you have your military ID card and that your ID tags are on a double chain and are around your neck. Check that the head gear is clean and the unit crest is properly positioned.
    6. Grooming: Prior to the board, get a fresh haircut and ensure sideburns and mustache are properly trimmed and in accordance with current Army policy. Ensure all jewelry is in accordance with current Army policy as well. It is advisable to limit jewelry to a wristwatch (and wedding band if married).
  4. ORAL EXPRESSION, CONVERSATION SKILLS, and BOARD INTERACTION
    1. During a board appearance your ability to articulate your knowledge and opinions is a combination of good preparation and your vocabulary. Board members will prefer an individual who is comfortable within their own vocabulary level over a soldier who is always searching for word at the level above. Bottom line, speak normally and don’t try to use unfamiliar words to depict your thoughts and answers to questions.
    2. Opening Statement; the truth about board interviewing is that it is weighed heavily toward first impressions; therefore the opening statement is very important. Most boards require or will entertain an opening statement.
    3. An opening statement will take some time to put together and should include positions held, jobs performed, military and civilian education, duty stations, significant accomplishments, and future goals. The opening statement should be written and organized into three parts as follows:
      1. Part one is a summary of your career to date (one to two sentences). In other words, your career needs to be condensed into a couple of concise sentences that encapsulates the most important aspects of your career. You may start with where you entered the service, and continue to your current assignment (dates are not important). For example; “Sergeant Major, I have an opening statement” …”I enlisted in the Army in Fort Worth, Texas, attended 19K OSUT at Fort Knox, Kentucky , I am currently assigned to A Company 1/63 Armor.”
      2. Part two should be a summary of your accomplishment(s) (one to three sentences). These should be things that you are proud of and that you feel will also capture the attention of the board members. The accomplishment(s) you chose should be easily explained, and clearly highlight the achievement. When stated correctly board members will want to inquire further, thus giving you an opportunity to further discuss your significant achievements. For example; “During OSUT, I served as the Platoon Guide of the honor platoon. I was selected as an Excellence in Armor soldier………………..”
      3. Part three is a summary of what you plan to do next in your career (one to three sentences). The third part may be more difficult to develop because an Army career typically spans a period of twenty plus years. This part needs to specifically address what you want to do next as well as briefly mention the highpoints of what you would like to achieve over the out years of your career. For example: “My short-term goals are to; achieve the promotion to Sergeant, and graduate PLDC with honors. My intermediate goals are to obtain a Bachelor’s Degree in American History, Promotion to Staff Sgt, and attend and graduate the Master Gunner Course. My long-term goal is to retire from the Army as a Command Sergeant Major.”
      4. After you have the opening statement written in a draft form, ask your supervisor to review it for content and to suggest possible revisions.
      5. Once you have the opening statement completed, practice reciting the statement until you are comfortable with it. Also, think about how you would expand on each point if asked to do so. When giving your opening statement to the board, remember to address the president of the board first, and at least once, look directly at all board members during your statement. If you adequately practice the opening statement it should help you feel relaxed and comfortable with the board process, and get you off to a good start.
    4. Inappropriate Language: Make sure your grammar is professional and “watch your mouth”. Many soldiers get in a stressful situation and can only express themselves with the use of profanity. Needless to say, this will not make a good impression during your board appearance. If you have this problem, you need to know that you can limit or even eliminate profanity from your conversations. One way you can do this is to ask peers and family members to remind you when you say a profane word. Once you become aware of the habit you can effectively change it. It will take an average of 30 days to completely get rid of profanity from your speech.
  5. STANDARD PROCEDURES FOR APPEARING BEFORE THE BOARD AND INTERACTING WITH BOARD MEMBERS
    1. Reporting to the Board: Knock loudly on the door of the board room and enter when told to do so. Approach the president of the board using proper facing movements and position yourself in front of the president of the board. Halt at attention, render a hand salute, and report to the president of the board. Example: “Sir,/Ma’am” or “Sergeant Major, Specialist (Smith) reports”. Hold your salute until the president returns it.
    2. If asked to be seated, look over your shoulder, step to the rear with your left foot, and be seated. While seated, sit straight with both feet flat on the floor and approximately one foot apart. Place your hands comfortably on your thighs.
    3. Opening statement: When you begin your opening statement address the president of the board, looking directly at him. At some point during the statement remember to also look directly at all board members.
    4. Begin all statements to the board members by rank (“Sergeant Major,” “First Sergeant,” “Sergeant,” or with whatever salutation is appropriate). Direct your answer to the person asking the question, maintaining eye-to-eye contact at all times. Speak loudly enough so that all board members will hear you. If you feel your voice start to waiver because of nervousness, take a breath and raise your voice slightly this will usually help to steady it.
    5. Answering board member’s questions.
      1. When answering questions; Use a natural tone and don’t deviate from your normal speaking rate. Don’t mumble or begin your reply with “uh”, “well”, “I think”, or “I believe”. This indicates indecisiveness. Whatever you do, don’t continually reach for unfamiliar words to perfectly portray your thoughts and answers to questions.
      2. It is helpful and impressive to repeat the question as part of your answer. For example, “Sergeant, the five colors of a topographical map are…” If you answer a question and the board member asks you “are you sure?” he or she is probably trying to see if you are indecisive and will change your answer. The best thing to do is to pause and think for a second, and then give your reply. If you think you have actually given the wrong answer, simply restate the members rank and reply with the corrected answer. Conversely, if you are confident in your original answer, state the members rank and “yes”. Also, if a member responses to your answer with a follow-up probing question like “what do you mean?” or “can you explain that in depth?” they are just trying to see if you really know something about the subject or if you have just memorized answers from a study guide.
      3. More that likely there will be some questions you will not know the answer to. Remember, if you don’t know the answer say so! Example: “Sergeant, I do not know the answer to that question” or “Sergeant, I don’t know the answer to that question, but I know the answer can be found in (give the appropriate AR, FM, TM etc.).” Also, never say “I’m sorry” when you find yourself unable to answer a question. Sometimes you may be unable to answer a particular question simply because you have never been in such a situation, if so say so. Of course if you don’t understand the question, you can ask the board member to please repeat or rephrase it.
      4. When asked your opinion, be sure you respond with your opinion (not what you think they want to hear). Board members do not penalize you for an opinion they do not agree with. They only want to evaluate your knowledge, and ability to intelligently present an opinion.
      5. Departing the Board: Come to attention in front of the board president (if seated, stand and take a half step forward first). Render a hand salute to the president of the board and hold your salute until it has been returned. Leave the room using proper facing movements and close the door unless directed otherwise.
  6. MOCK BOARDS (practice boards)
    1. Mock boards are a tremendously efficient way closely replicate the actual board experience, and therefore push your confidence up to the next level. Mock boards are used to help you work through your anxiety and become more confident and comfortable in the dialogue.
    2. Mock board composition. Members of a mock board can be members of your platoon, and/or other personnel from your unit that have experience in this area. They will role play and ask the kinds of questions you can expect to encounter on the board. During the mock board you will respond to the questions as if it is an actual board appearance.
    3. After you have completed the mock board, the members should offer you feedback on how you performed. Members should critique your body language, overall image, as well as your answer content. Their feedback should provide you with an objective measure of your level of discussion performance. For example, maybe you are not making enough eye contact or you tap your foot when you answer the questions. After you become more confident, most of your nervous gestures begin to disappear. It is a good idea to do at least one session in the uniform you will wear on the day of the actual board. That way the mock board members can also provide you with a full critique of your overall appearance.
    4. Mock boards should be conducted in accordance with the standard procedures outlined in the following steps:
      1. Convene a Mock board consisting of at least three voting members and one nonvoting member (the recorder). The President of the Board is the senior member (role play an officer or senior enlisted). For mock promotion boards, all members of the board must role play at least one grade senior to those being considered for promotion (For example, for an E-5 promotion board, all of the members must role play an E-6 or above).
      2. Each mock board member will be assigned at least one subject area. Members will ask a series of questions pertaining to that area. Questions can be obtained from: study guides, TMs, FMs, Soldier’s Manuals, Army Regulations and/or from the U.S Army Board Study Guide (www.armystudyguide.com):Board evaluation subject areas:
        * Personal appearance
        * Oral Expression and conversation skills
        * Knowledge of world and local affairs and current events
        * Awareness of military programs
        * Overall soldier knowledge (MOS Soldier’s Manual, basic soldier knowledge, etc.)
        * Soldier’s attitude
      3. Members will take notes and subsequently provide constructive feed back to the board interviewee.
 
 

The Operation Order – OPORD

Understanding the Parts of an OPORD

An Operation Order (OPORD) is a structured format used in the military to communicate mission plans effectively. Whether you’re in training or looking to refine your understanding, breaking down its key parts is essential.

The Five Key Parts of an OPORD

  1. Situation – Provides an overview of enemy and friendly forces, terrain, weather, and overall mission context. This section helps leaders anticipate challenges and plan accordingly.
  2. Mission – A clear, concise statement of the unit’s objective, including the who, what, when, where, and why of the operation. This is always stated twice for clarity.
  3. Execution – Outlines how the mission will be carried out, including maneuver plans, fire support, and unit-specific tasks. This section ensures all personnel understand their roles in achieving success.
  4. Sustainment – Covers logistics, including resupply plans, medical support, and transportation. Proper sustainment planning ensures troops stay operational.
  5. Command and Signal – Details communication procedures, chain of command, and any necessary signals for coordination. Effective communication is crucial for mission success.

Mastering the parts of an OPORD is critical for both military planning and leadership. Whether you’re preparing for a briefing or learning for future applications, understanding this structure helps ensure clarity, coordination, and mission success.

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Task Organization: States how the unit is organized for the operation and gives who is the main effort. The leader sufficiently weighs the main effort for each mission (for example, machine guns and antiarmor weapons) to ensure success.

I. Situation: Provides information essential to subordinate leader’s understanding of the situation.

A. Enemy Forces

1. Weather and light data general forecast for the length of the operation: temperature (high & low), sunrise, sunset, moonrise, moonset, moon phase, % illumination, wind speed, wind direction, BMNT, EENT.

Note: You must focus on the effects of weather on military operations rather than the factors that make up the analysis. That is, how does it effect you and your troops on this mission? These types of evaluations are more readily usable by your troops than statements such as “…3 inches of rain over the next 24 to 48 hours…”

2. Terrain: use the acronym OCOKA to analyze terrain

3. Identification of enemy forces (composition). (is he armored, mechanized, motorized, or light? what does that mean to the operation?)

4. Location(s): Known and suspected (disposition). (give grids or relative locations such as 2 KMs to the north)

5. Activity. (is he attacking, retreating, defending, patrolling, etc. ?)

6. Strength(squad, platoon, or company strength), morale (hi or low?), equipment (crew-served weapons, machine guns, anti-tank weapons?) and capabilities (They are capable of reinforcing with a platoon in 30 minutes)

7. Probable course(s) of action when contacted (Will they fight, disperse, retreat, attack?)

B. Friendly Forces

1. Mission and concept of next higher unit (from his paragraph 2) to include higher leader’s intent (from his paragraph 3)

2. Location and planned actions of units to the left, right, front, and rear (from higher leader’s Tasks to Maneuver Units in paragraph 3). State how such actions influence your unit, particularly adjacent unit patrols. Point out their locations on the terrain model

3. Units providing fire support:

List the fire support mean available to your unit: company or battalion mortars, artillery, CAS (Close Air Support), Naval Gunfire, etc.

C. Attachments/Detachments

Attachment: Anyone not normally a part of your unit that is attached for the mission.
Detachment: Anyone normally part of your unit that is not going on the mission for some reason.

II. Mission

This is a clear, concise statement of the unit’s task(s) to be accomplished and the purpose for doing it (who, what, when, where, why, and how). The mission is always stated twice in full. When you give WHEN it’s best to give an actual clock hard time (i.e., NLT 1030 hrs. rather than NLT 50 minutes from now)

III. Execution

Intent

A stated vision that defines the purpose of an operation and the end state with respect to the relationship among the force, the enemy, and the terrain. It affords the subordinates the ability to accomplish the mission in the absence of additional guidance, orders, or communication.

A. Concept of the Operation: This paragraph describes, in general terms, how the unit will accomplish its task(s) from start to finish. It should identify all mission essential tasks, the decisive points of action, and the main effort. This paragraph should be no longer that six sentences.

Here is where you tell a quick, general story about how you envision the mission step-by-step from the AA (assembly area), to the ORP (objective rally point), then to the OBJ (objective), and back to the ORP.

example:
We will move out of the AA on a 190 degree azimuth for 50m in a team wedge, squad in column, in traveling formation to the line of departure. After moving 150m past the Line of Departure, we will conduct a 3 min listening halt. After which, we will move on a 190 degree azimuth for 500m where we will establish our ORP, during movement we will establish rally points every 100m. We have one linear danger area which we will cross as per our SOP. We will halt the squad at the tentative ORP location near this hill (pointing to the terrain model) then I will Look for a suitable ORP (remember: cover and concealed, defendable, off of key terrain, and off the natural line of drift–sometimes you will only be able to find one or two of these characteristics on the STX lane, but be aware). Then we will occupy the ORP by force. I will issue my 5 point contingency plan (GOTWA). Then I will go forward with the bravo team leader and two security (Jones and Smith) to pin point the OBJ to confirm the plan and establish surveillance (leaving a GOTWA). Then I will return to the ORP together the Assault and Support teams. After actions on the OBJ, we will withdraw to the ORP, gather our rucks, and I will call a SALUTE and ACE report to higher. The we will move on a 270 degree azimuth for 500 meters where we will establish a cigar shaped perimeter and disseminate information gained during the mission.

1. Maneuver:

This paragraph addresses, in detail, the mechanics of the operation. The main effort must be designated. All subordinate units (such as assault, support, R & S) with their tasks, related to the main effort, are identified also. Actions on the objective should comprise most of the paragraph. This paragraph covers, in excruciating detail, actions from leaving the ORP to the OBJ and back to the ORP.

Example:
After I return from the leader’s recon, I’ll take the squad forward to the release point. After checking in with the surveillance team to insure nothing has changed on the objective, Bravo team, who is the support element, will break off and move into position, here (point on the terrain model). I will take alpha team who the assault team and also the main effort and emplace them in their attack position, here (point on the terrain model). There we will camouflage our positions and emplace the claymore mine here (point on the terrain model). When an enemy squad moves into the kill zone, I will initiate the ambush with the claymore, and then the entire squad will fire into the kill zone for 45 seconds. After the time is up, I will give the signal for the support element to shift fire by throwing green smoke between the attack position and the objective. At this time the RTO who is the recorder and the timekeeper will start his watch. On my one long whistle blast, Alpha team will then assault, staying in their respective lanes, all the way through the objective, kicking aside weapons as they go. Alpha team will set up a limit of advance here (point on the terrain model). Once the LOA has been established, I will signal bravo team with two whistle blasts to come down and join alpha on the objective. Once bravo arrives and sets up between 9 and 12, with alpha pulling security from 12 to 3, I will call for special teams. Aid and litter teams take priority and they will drag all friendly wounded back to the casualty collection point here (point on the terrain model) on the near side of the objective. Then I will call out the EPW teams to process any enemy dead or survivors, and consolidate them at the EPW collection point here (point on the terrain model). throughout this time, the recorder will call out how long we have been on the objective every 30 seconds. Once all the equipment has been consolidated in the center of the objective here (point on the terrain model) by the EPW teams, I will call for the demo team to emplace their charges. I will give the codeword “red” whereupon aid and litter plus any casualties will withdrawal. On the next codeword “white” the assault element – alpha team – will withdraw. On the third “blue” the support element – bravo team – will withdraw and the demo team will light the fuse and withdraw as well. All elements will move back through the release point to the ORP.

2. Fires:

This paragraph describes how the leader intends for the fires to support his maneuver. It states the purpose to be achieved from the fires, priority of fires, allocation of any priority targets, and any restrictive control measures for the fires. This is also where you give the target number, the grid, the description to each target you have planned.

B. Tasks to Maneuver Units

Cover special teams in this area. Go over the names of the people on the team and task and purpose for each team: assault, support, security, R&S, EPW(Enemy Prisoner of War), Aid and Litter, Demolition, surveillance. Also detail your instructions to individuals such as primary / alternate paceman and primary / alternate compassman.

C. Tasks to Combat Support Units

This paragraph is similar to paragraph III.B except that it describes how combat support units will be employed.

D. Coordinating Instructions This paragraph lists the details of coordination and control applicable to two or more units/sub-units. Items that might be addressed include:

1. Order of movement, formations, and movement techniques. Use a sketch/terrain model

2. Actions at halts (short/long). – SOP

3. Routes (primary/alternate). – Give the hard azimuth and distance

4. Departure and reentry of friendly lines.

5. Rally points and actions at rally points (specify either IRP(initial rally point), ORP, PB (patrol base), or RRP(re-entry rally point) and include grid coordinates and/or terrain references).

6. Actions at danger areas (other than unit SOPs).

7. Actions on enemy contact (other than unit SOPs).

8. Reorganization and consolidation instructions (other than unit SOPs).

9. Fire distribution measures: point fires vs. area fires for all weapons systems (M16, M249, M60, etc.)

10. Fire control measures: cover what you want them to shoot at in order (i.e. crew served weapons then radio operators, then leaders), sectors of fire to include TRPs (target reference points), visual/sound signals.

11. MOPP levels.

12. Troop safety and operational exposure guidance.

13. Time schedules (rehearsals, backbriefs, inspections, movement). Give who must be there, when, where, and what you’ll rehearse (actions on the objective are priority!)

14. Priority Intelligence Requirements (PIR).

15. Debriefing requirements.

16. Reports. When do you want to get ACE and SALUTE reports? (after all contact with the enemy)

17. Rules of Engagement (ROE). When to start shooting. If you are in an ambush, do you shoot at one soldier walking down the road alone? do you engage a battalion going along the road with your squad?

IV. Service Support

This paragraph supplies the critical logistical information required to sustain the unit during the operation.

A. General

  1. SOPs in effect for sustainment operations.
  2. Current and proposed trains/resupply/cache points.
  3. Casualty and damaged equipment. CCPs (casualty collection points), location of the medevac PZ (Pickup Zone)
  4. Special instructions for medical personnel. (triage requirements, 9-line medevac procedures)

B. Material and Services

1. Supply:

a. Class I: Subsistence. (Food and water)
b. Class II: Clothing and individual equipment.
c. Class III: POL.
d. Class IV: Construction.
e. Class V: Ammunition.
f. Class VI: Personal Demand Items.
g. Class VII: Major End Items. (special items – which go with what team – i.e. claymores go with the assault team)
h. Class VIII: Medical.
i. Class IX: Repair parts.
j. Class X: Agriculture/Economic Development.
k. Distribution Methods. (platoon sergeant, squad leaders, team leaders)

2. Transportation.
3. Services (laundry, showers, etc.).
4. Maintenance (weapons, equipment, vehicles). Priority of work and the plan to maintain equipment.

C. Medical Evacuation:

Method of evacuating dead and wounded personnel, friendly and enemy (to include priorities). Discuss enemy dead/ wounded and friendly dead/ wounded. will they be medevaced, carried, or (in the case of enemy) left where they are?

D. Personnel:

Method of handling EPWs and designation of EPW collection point.

E. Miscellaneous:

Special equipment. What does the unit have that is special equipment to accomplish the mission (i.e. claymore mine in an ambush)
Captured equipment. What to do with captured equipment (usually destroy it unless it is strange or unique, in which case you take it with you or if it can’t be moved, make a sketch of it and destroy it)
V. Command & Signal

This paragraph states where command and control elements are located during the operation.

A. Command

  1. Location of the higher unit commander and CP (get this from your higher leader’s paragraph 5)
  2. Location of key personnel and type CP during all phases of the operation. during movement, at the ORP, and on the objective.
  3. Succession of Command. (give this down to the last person in a squad element by name)
  4. Adjustments to the unit SOP.

B. Signal

  1. SOI index in effect (frequencies, call signs).
  2. Method of communication by priority (usually FM and then runner)
  3. Pyrotechnics and signals, to include arm and hand signals (go over all important signals like lift/shift fire, assault onto the OBJ, withdraw from OBJ, etc.)
  4. Codewords (like red, white, and blue in the example in paragraph 3)
  5. Challenge and password (behind friendly lines)
  6. Number combination (forward of friendly lines)
  7. Running password.
  8. Recognition signals (near/far, day/night).
  9. Special instructions for RTOs. ( you are in charge of all commo. monitor the radio continuously, remind me about reports that are due to higher, you are the enroute recorder and the recorder / timekeeper on the objective)
 

Troop leading procedures

Troop leading procedures (TLPs) are a step-by-step process that helps small-unit leaders plan, prepare, and execute missions effectively. These eight steps provide a structured approach to decision-making, ensuring that units are well-coordinated and ready for any operation. From receiving the mission to supervising execution, troop leading procedures help leaders analyze the situation, develop a plan, and communicate it clearly to their teams. Mastering TLPs is essential for maintaining readiness, adaptability, and operational success in any military environment.

Step 1. Receive the Mission
Step 2. Issue a warning order
Step 3. Make a tentative plan
Step 4. Start necessary movement
Step 5. Reconnoiter
Step 6. Complete the plan
Step 7. Issue the complete order
Step 8. Supervise

1. Receive the Mission

The leader may receive the mission in a warning order, an operation order (OPORD), or a fragmentary order (FRAGO). He immediately begins to analyze it using the factors of METT-T:

What is the MISSION?
What is known about the ENEMY?
How will TERRAIN and weather affect the operation?
What TROOPS are available?
How much TIME is available?

(1) The leader should use no more than one third of the available time for his own planning and for issuing his operation order. The remaining two thirds is for subordinates to plan and prepare for the operation. Leaders should also consider other factors such as available daylight and travel time to and from orders and rehearsals. In the offense, the leader has one third of the time from his receipt of the mission to the unit’s LD time. In the defense, he has one third of the time from mission receipt to the time the squad or platoon must be prepared to defend.

(2) In scheduling preparation activities, the leader should work backwards from the LD or defend time. This is reverse planning. He must allow enough time for the completion of each task.

2. Issue a warning order

The leader provides initial instructions in a warning order. The warning order contains enough information to begin preparation as soon as possible. Platoon SOPs should prescribe who will attend all warning orders and the actions they must take upon receipt: for example, drawing ammunition, rations and water, and checking communications equipment.

The warning order has no specific format. One technique is to use the five-paragraph OPORD format. The leader issues the warning order with all the information he has available at the time. He provides updates as often as necessary. The leader never waits for information to fill a format.

If available, the following information may be included in a warning order.

The mission or nature of the operation.
Who is participating in the operation.
Time of the operation.
Time and place for issuance of the operation order.

3. Make a tentative plan

The leader develops an estimate of the situation to use as the basis for his tentative plan. The estimate is the military decision making process. It consists of five steps:

1. Detailed mission analysis
2. Situation analysis and course of action development
3. Analysis of each course of action
4. Comparison of each course of action
5. Decision.

The decision represents the tentative plan. The leader updates the estimate continuously and refines his plan accordingly. He uses this plan as the start point for coordination, reconnaissance, task organization (if required), and movement instructions. He works through this problem solving sequence in as much detail as time available allows. As the basis of his estimate, the leader considers the factors of METT-T.

4. Start the necessary movement

The platoon may need to begin movement while the leader is still planning or forward reconnoitering. The platoon sergeant or a squad leader may bring the platoon forward, usually under the control of the company executive officer or first sergeant.

This is where your subordinate leaders prepare men, weapons and equipment for the coming mission. It is an excellent time for them to eat, conduct maintenance on weapons/equipment, and gather together anything they are going to need for the upcoming mission.

This step could occur at any time during the troop-leading procedure.

5. Reconnoiter

If time allows, the leader makes a personal reconnaissance to verify his terrain analysis, adjust his plan, confirm the usability of routes, and time any critical movements. When time does not allow, the leader must make a map reconnaissance. The leader must consider the risk inherent in conducting reconnaissance forward of friendly lines. Sometimes the leader must rely on others (for example, scouts) to conduct the reconnaissance if the risk of contact with the enemy is high.

6. Complete the plan

The leader completes his plan based on the reconnaissance and any changes in the situation. He should review his mission, as he received it from his commander, to ensure that his plan meets the requirements of the mission and stays within the framework of the commander’s intent.

7. Issue the complete order

Platoon and squad leaders normally issue oral operations orders.

(1) To aid subordinates in understanding the concept for the mission, leaders should issue the order within sight of the objective or on the defensive terrain. When this is not possible, they should use a terrain model or sketch.

(2) Leaders must ensure that subordinates understand the mission, the commander’s intent, the concept of the operation, and their assigned tasks. Leaders may require subordinates to repeat all of part of the order or demonstrate on the model or sketch, their understanding of the operation. They should also quiz their soldiers to ensure that all soldiers understand the mission. Chapter 5 Infantry Platoon Tactical Standing Operating Procedure provides a list of questions that leaders can ask to determine if the soldiers understand the mission.

8. Supervise

The leader supervises the unit’s preparation for combat by conducting rehearsals and inspections.

(1) Rehearsals. The leader uses rehearsals to–

Practice essential tasks (improve performance).
Reveal weaknesses or problems in the plan.
Coordinate the actions of subordinate elements.
Improve soldier understanding of the concept of the operation (foster confidence in soldiers).

(a) Rehearsals include the practice of having squad leaders brief their planned actions in execution sequence to the platoon leader.

(b) The leader should conduct rehearsals on terrain that resembles the actual ground, and in similar light conditions.

(c) The platoon may begin rehearsals of battle drills and other SOP items before the receipt of the operation order. Once the order has been issued, it can rehearse mission specific tasks.

(d) Some important tasks to rehearse include–

Actions on the objective.
Assaulting a trench, bunker, or building.
Actions at the assault position.
Breaching obstacles (mine and wire).
Using special weapons or demolitions.
Actions on unexpected enemy contact.

(2) Inspections. Squad leaders should conduct initial inspections shortly after receipt of the warning order. The platoon sergeant spot checks throughout the unit’s preparation for combat. The platoon leader and platoon sergeant make a final inspection. They should inspect–

Weapons and ammunition.
Uniforms and equipment.
Mission-essential equipment.
Soldier’s understanding of the mission and their specific responsibilities.
Communications.
Rations and water.
Camouflage.
Deficiencies noted during earlier inspections.

 

History of the NCO (from FM 7-22.7)

You are a leader in the same Army that persevered at Valley Forge, held its ground at the Little Round Top, turned the tide of a war at St. Mihiel and began the liberation of a continent at Omaha Beach. You lead soldiers from the same Army that burst out of the Pusan Perimeter, won against enormous odds at the Ia Drang Valley, fought with determination at Mogadishu and relieved terrible misery in Rwanda. Leaders like you and soldiers like yours conducted intense combat operations in Afghanistan while only a short distance away others supported that nation’s rebuilding and still others fought fires in the northwestern US. Throughout the history of the Army the NCO has been there, leading soldiers in battle and training them in peacetime, leading by example and always, always – out front.

THE REVOLUTION TO THE CIVIL WAR

The history of the United States Army and of the noncommissioned officer began in 1775 with the birth of the Continental Army . The American noncommissioned officer did not copy the British. He, like the American Army itself, blended traditions of the French, British and Prussian armies into a uniquely American institution. As the years progressed, the American political system, with its disdain for the aristocracy, social attitudes and the vast westward expanses, further removed the US Army noncommissioned officer from his European counterparts and created a truly American noncommissioned officer.

The Revolution

In the early days of the American Revolution, little standardization of NCO duties or responsibilities existed. In 1778, during the long hard winter at Valley Forge, Inspector General Friedrich von Steuben standardized NCO duties and responsibilities in his Regulations for the Order and Discipline of the Troops of the United States (printed in 1779). His work, commonly called the Blue Book, set down the duties and responsibilities for corporals, sergeants, first sergeants, quartermaster sergeants and sergeants major, which were the NCO ranks of the period. The Blue Book also emphasized the importance of selecting quality soldiers for NCO positions and served a whole generation of soldiers as the primary regulation for the Army for 30 years. In fact, part of Von Steuben’s Blue Book is still with us in FM 22-5, Drill and Ceremonies and other publications.

Von Steuben specified duties of the noncommissioned officer. The Sergeant Major served as the assistant to the regimental adjutant, keeping rosters, forming details and handling matters concerning the “interior management and discipline of the regiment.” The Sergeant Major also served “at the head of the noncommissioned officers.” The Quartermaster Sergeant assisted the regimental quartermaster, assuming his duties in the quartermaster’s absence and supervising the proper loading and transport of the regiment’s baggage when on march. The First Sergeant enforced discipline and encouraged duty among troops, maintaining the duty roster, making morning report to the company commander and keeping the company descriptive book. This document listed the name, age, height, place of birth and prior occupation of every enlisted man in the unit.

The day-to-day business of sergeants and corporals included many roles. Sergeants and Corporals instructed recruits in all matters of military training, including the order of their behavior in regard to neatness and sanitation. They quelled disturbances and punished perpetrators. They forwarded sick lists to the First Sergeant. In battle, NCOs closed the gaps occasioned by casualties, encouraged men to stand their ground and to fire rapidly and accurately. The development of a strong NCO Corps helped sustain the Continental Army through severe hardships to final victory. Von Steuben’s regulations established the foundation for NCO duties and responsibilities from 1778 to the present.

During the early stages of the American Revolution the typical Continental Army NCO wore an epaulet to signify his rank. Corporals wore green and sergeants wore red epaulets. After 1779, sergeants wore two epaulets, while corporals retained a single epaulet. From the American Revolution to World War II the noncommissioned officer received his promotion from the regimental commander. Entire careers were often spent within one regiment. If a man transferred from one regiment to the next, he did not take his rank with him. No noncommissioned officer could transfer in grade from one regiment to another without the permission of the General in Chief of the Army; this was rarely done. Without permanent promotions of individuals, stripes stayed with the regiment.

The Purple Heart

Three NCOs received special recognition for acts of heroism during the American Revolution. These men, Sergeant Elijah Churchill, Sergeant William Brown and Sergeant Daniel Bissell, received the Badge of Military Merit, a purple heart with a floral border and the word “merit” inscribed across the center. In practice this award was the precursor to the Medal of Honor introduced during the Civil War. After a long period of disuse, Badge of Military Merit was reinstituted in 1932 as the Purple Heart and is a decoration for members of the armed forces wounded or killed in action or as a result of a terrorist attack.

Rank Insignia

In 1821 the War Department made the first reference to noncommissioned officer chevrons. A General Order directed that sergeants major and quartermaster sergeants wear a worsted chevron on each arm above the elbow; sergeants and senior musicians, one on each arm below the elbow; and corporals, one on the right arm above the elbow. This practice ended in 1829 but returned periodically and became a permanent part of the NCO’s uniform before the Civil War.

In 1825 the Army established a systematic method for selecting noncommissioned officers. The appointment of regimental and company noncommissioned officers remained the prerogative of the regimental commander. Usually regimental commanders would accept the company commander’s recommendations for company NCOs unless there were overriding considerations. The Abstract of Infantry Tactics, published in 1829, provided instructions for training noncommissioned officers. The purpose of this instruction was to ensure that all NCOs possessed “an accurate knowledge of the exercise and use of their firelocks, of the manual exercise of the soldier and of the firings and marchings.”

Field officers and the adjutant frequently assembled noncommissioned officers for both practical and theoretical instruction. Furthermore, field officers ensured that company officers provided proper instruction to their noncommissioned officers. The sergeant major assisted in instructing sergeants and corporals of the regiment. Newly promoted corporals and sergeants of the company received instruction from the First Sergeant. The first sergeant of that time, like today, was a key person in the maintenance of military discipline.

THE CIVIL WAR TO WORLD WAR 1

The Civil War

During the 1850’s major changes occurred in US Army weaponry. Inventors developed and refined the percussion cap and rifled weapons. Weapons like the Sharps carbine added greatly to fire power and accuracy. The increased lethality of weapons did not immediately result in different tactics. The huge numbers of casualties in the American Civil War proved that technological advances must result in changes to battlefield tactics. Operationally, the Civil War marked a distinct change in warfare. No longer was it sufficient to defeat an enemy’s army in the field. It was necessary to destroy the enemy’s will and capacity to resist through military, economic and political means. This became the concept of total war. The war required a large number of draftees and unprecedented quantities of supplies.

During the Civil War, noncommissioned officers led the lines of skirmishers that preceded and followed each major unit. NCOs also carried the flags and regimental colors of their units. This deadly task was crucial to maintain regimental alignment and for commanders to observe their units on the field. As the war progressed, organizational and tactical changes led the Army to employ more open battle formations. These changes further enhanced the combat leadership role of the noncommissioned officer. New technology shaped the Army during the Civil War: railroads, telegraph communications, steamships, balloons and other innovations. These innovations would later impact the noncommissioned officer rank structure and pay.

Since its founding on 14 June 1775, the Army normally expanded in wartime with volunteers, with the professional soldiers forming the basis for expansion. The Civil War in particular brought a huge increase in the number of volunteer soldiers. This policy endured to some extent until world commitments and the stationing of troops overseas in the 20th century required the Nation to maintain a strong professional force.

In the post-Civil War era the Artillery School at Fort Monroe reopened to train both officers and noncommissioned officers. In 1870 the Signal Corps established a school for training officers and noncommissioned officers. Because both the Artillery and the Signal Corps required soldiers to have advanced technical knowledge to operate complex equipment and instruments, these were the first schools established. Efforts to provide advanced education for noncommissioned officers in other less technical fields, however, failed to attract supporters. Army leaders thought experience and not the classroom made a good NCO.

Military Life on the Frontier

During the Indian Wars period, enlisted men lived in spartan barracks with corporals and privates in one large room. Sergeants lived separately from their men in small cubicles of their own adjacent to the men’s sleeping quarters. This gave enlisted men a sense of comradeship, but allowed little privacy.

During the 1870s the Army discouraged enlisted men from marrying. Regulations limited the number of married enlisted men in the Army and required special permission to marry. Those men who did marry without permission could be charged with insubordination. They could not live in post housing or receive other entitlements. Still, nature proved stronger than Army desires or regulations. Marriages occurred and posts became communities.

Barracks life in the 1890s was simple, with card games, dime novels and other amusements filling idle time. Footlockers contained personal possessions, along with military clothing and equipment. Soldiers during this period maintained handbooks that contained a variety of information, including sections entitled, “Extracts from Army Regulations of 1895,” “Examination of Enlisted Men for Promotion,” “Take Care of Your Health,” “Extracts from Articles of War,” and others. In the back there were three sections for the soldier to fill in: “Clothing Account,” “Military Service,” and “Last Will and Testament.” Soldiers carried these handbooks for a number of years and provided an accurate record of the important events in his Army life.

The increase of technology which accompanied modernization greatly affected the NCO Corps during the last half of the 19th Century. The number of NCO ranks grew rapidly; each new advent of technology created another pay grade. The Army was forced to compete with industry for technical workers. In 1908 Congress approved a pay bill which rewarded those in technical fields in order to retain their services. Combat soldiers were not so fortunate. A Master Electrician in the Coast Artillery made $75-84 per month, while an Infantry Battalion Sergeant Major lived on $25-34 per month. Compare that with a Sergeant of the Signal Corps ($34 – $43 per month).

Enlisted Retirement

In 1885 Congress authorized voluntary retirement for enlisted soldiers. The system allowed a soldier to retire after 30 years of service with threequarters of his active duty pay and allowances. This remained relatively unchanged until 1945 when enlisted personnel could retire after 20 years of service with half pay. In 1948 Congress authorized retirement for career members of the Reserve and National Guard. Military retirement pay is not a pension, but rather is delayed compensation for completing 20 or more years of active military service. It not only provides an incentive for soldiers to complete 20 years of service, but also creates a backup pool of experienced personnel in the event of a national emergency.

NCO Guide

The Army began to explicitly define NCO duties during the late 19th and early 20th centuries. The five or six pages of instructions provided by von Steuben’s Regulations for the Order and Discipline of the Troops of the United States in 1778 grew to 417 pages in the 1909 Noncommissioned Officers Manual. While an unofficial publication, it was widely used and the chapters describing the duties of the First Sergeant and Sergeant Major included common forms, a description of duties, what should and should not be done and customs of the service. The Noncommissioned Officers Manual included a chapter on discipline that stressed the role of punishment in achieving discipline. The manual stated that the purpose of punishment was to prevent the commission of offenses and to reform the offender. However, this section repeatedly stressed that treatment of subordinates should be uniform, just and in no way humiliating.

The Modern Rank Insignia

In 1902 the NCO symbol of rank, the chevron, rotated to what we would today call point up and became smaller in size. Though many stories exist as to why the chevron’s direction changed, the most probable reason was simply that it looked better. Clothing had become more form fitting, creating narrower sleeves; in fact, the 10-inch chevron of the 1880s would have wrapped completely around the sleeve of a 1902 uniform.

THE WORLD WARS AND CONTAINMENT

World War 1

World War I required the training of four million men, one million of which would go overseas. Corporals were the primary trainers during this period, teaching lessons that emphasized weapons and daytime maneuvers. Training included twelve hours devoted to the proper use of the gas mask and a trip to the gas chamber. After viewing the differences in American and foreign NCO prestige, American Commanding General John J. Pershing suggested the establishment of special schools for sergeants and separate NCO messes. The performance of noncommissioned officers in the American Expeditionary Force seemed to validate these changes.

In 1922 the Army scheduled 1,600 noncommissioned officers for grade reductions. Although this was necessary to reduce the total force and save money, it caused severe hardships for many noncommissioned officers, especially those with families. Also, post-World War I budget reductions and the Great Depression led to irregularities in pay: often the soldier received only half his pay, or half his pay in money and half in consumer goods or food.

The rapid pace and acceptance of technology during the late 1930s caused the Army to create special “technician” ranks in grades 3, 4, & 5 (CPL, SGT & SSG), with chevrons marked with a “T.” This led to an increase in promotions among technical personnel. The technician ranks ended in 1948, but they later reappeared as ‘specialists’ in 1955.

The typical First Sergeant of this period carried his administrative files in his pocket-a black book. The book contained the names of everyone in the company and their professional history (AWOLs, work habits, promotions, etc.). The book passed from first sergeant to first sergeant, staying within the company and providing the unit with a historical document. The first sergeant accompanied men on runs, the drill field, training, or the firing range. He was always at the forefront of everything the company did.

World War 2

With the attack on Pearl Harbor in December 1941, the United States found itself in another major war. Mobilization greatly increased the numbers of Army noncommissioned officers. Ironically, mobilization, combined with other factors, created a staggering growth in the percentage of noncommissioned officers to total forces. The proportion of noncommissioned officers in the Army increased from 20 percent of the enlisted ranks in 1941, to nearly 50 percent in 1945, resulting in reduced prestige for many noncommissioned officer ranks. Coupled with this growth in numbers the eight-man infantry squad increased to twelve, with the sergeant then staff sergeant, replacing the corporal as its leader. The rank of corporal came to mean very little, even though he was in theory and by tradition a combat leader.

Basic training in World War II focused on hands-on experience instead of the classroom. NCOs conducted all training for soldiers. After basic training, a soldier went to his unit where his individual training continued. The major problem was that the rapid expansion of the Army had led to a proportionate decrease in experienced men in the noncommissioned officer ranks. Making this condition worse was the practice of quickly advancing in rank soldiers who showed potential while combat losses reduced the number of experienced NCOs.

Fighting in the Pacific and Europe required large numbers of men. Millions of men enlisted and America drafted millions more. Still the Army suffered from manpower shortages. In 1942 the Army formally added women to its ranks. By 1945 over 90,000 women had enlisted in the Army. Women served in administrative, technical, motor vehicle, food, supply, communications, mechanical and electrical positions during the war. After the war women continued to serve in a variety of roles in the Army. As a result of the continued growth of technology, a new emphasis on education began in the post-World War II era. This emphasis encouraged the young soldier to become better educated in order to advance in rank.

NCO Education I

On 30 June 1947 the first class enrolled in the 2d Constabulary Brigade’s NCO school, located in Munich, Germany. Two years later, the US Seventh Army took over the 2d Constabulary functions and the school became the Seventh Army Noncommissioned Officers Academy. Eight years later AR 350-90 established Army-wide standards for NCO academies. Emphasis on NCO education increased to the point that by 1959 over 180,000 soldiers would attend NCO academies located in the continental United States. In addition to NCO academies, the Army encouraged enlisted men to advance their education by other means. By 1952 the Army had developed the Army Education Program to allow soldiers to attain credits for academic education. This program provided a number of ways for the enlisted man to attain a high school or college diploma.

Korea

In 1950 an unprepared United States again had to commit large numbers of troops in a war a half a world away. The North Korean attack on South Korea stressed American responsibilities overseas. Containment of communist aggression was the official policy of the United States. This meant that American commitments in Asia, Europe and the Pacific would require a strong and combat-ready professional Army. During the Korean War the NCO emerged more prominently as a battle leader than he had in World War II. The steep hills, ridges, narrow valleys and deep gorges forced many units to advance as squads. Korea was the first war America fought with an integrated Army. Black and white soldiers together fought a common foe.

In 1958 the Army added two grades to the NCO ranks. These pay grades, E-8 and E-9, would “provide for a better delineation of responsibilities in the enlisted structure.” With the addition of these grades, the ranks of the NCO were corporal, sergeant, staff sergeant, sergeant first class, master sergeant and sergeant major.

Vietnam

America’s strategy of containment continued after the Korean War and the Nation set a course to help its ally South Vietnam defeat communist aggression. In 1965 America made a major commitment in ground troops to Vietnam. The Vietnamese Communists fought a long drawn-out war, meant to wear down American forces. Because no clear battle lines existed it was often hard to tell foe from friend. In 1973 a formal cease-fire signed by American and North Vietnamese delegations ended American troop commitments to the area.

Vietnam proved to be a junior leader’s war with decentralized control. Much of the burden of combat leadership fell on the NCO. With a need for large numbers of NCOs for combat duty, the Army began the Noncommissioned Officer Candidate Course, with three sites at Fort Benning, Fort Knox and Fort Sill. After a 12-week course, the graduate became an E-5; those in the top five percent became E-6s. An additional 10 weeks of hands-on training followed and then the NCO went to Vietnam. However, senior NCOs had mixed feelings about the program (sometimes called the “shake-and-bake” program). Many of these senior NCOs thought it undermined the prestige of the NCO Corps though few could say they actually knew an unqualified NCO from the course.

Sergeant Major of the Army

In 1966 Army Chief of Staff Harold K. Johnson chose Sergeant Major William O. Wooldridge as the first Sergeant Major of the Army . The SMA was to be the primary advisor and consultant to the Chief of Staff on enlisted matters. He would identify problems affecting enlisted personnel and recommend appropriate solutions.

POST-VIETNAM AND THE VOLUNTEER ARMY

NCO Education II

After the US ended conscription following the Vietnam War, it became increasingly clear NCOs needed more sustained training throughout their careers. NCO education expanded and became formalized in the 70s and 80s. Today’s NCO Education System includes the Primary Leadership Development Course (PLDC), Basic Noncommissioned Officer Course (BNCOC), the Advanced Noncommissioned Officer Course (ANCOC), and the US Army Sergeants Major Course (USASMC). The Sergeants Major Course first began in January 1973 as the capstone training for the Army’s most senior NCOs. The Sergeants Major Academy also operates three senior NCO courses outside NCOES that are designed to train NCOs for particular positions. These are the First Sergeant Course (FSC), the Battle Staff Course (BSC) and the Command Sergeant Major Course (CSMC). In 1986 PLDC became a mandatory prerequisite for promotion to staff sergeant. This was the first time an NCOES course actually became mandatory for promotion.

In 1987 the Army completed work on a new state-of-the-art education facility at the Sergeants Major Academy at Fort Bliss, Texas, further emphasizing the importance of professional education for NCOs. This 17.5 million-dollar, 125,000 square foot structure allowed the academy to expand course loads and number of courses. As the Noncommissioned Officer Education System continues to grow, the NCO of today combines history and tradition with skill and ability to prepare for combat. He retains the duties and responsibilities given to him by von Steuben in 1778 and these have been built upon to produce the soldier of today.

Grenada and Panama

The murder of Grenada’s Prime Minister in October 1983 created a breakdown in civil order that threatened the lives of American medical students living on the island. At the request of allied Caribbean nations, the United States invaded the island to safeguard the Americans there. Operation Urgent Fury included Army Rangers and Paratroopers from the 82nd Airborne Division. This action succeeded in the eventual reestablishment of a representative form of government in Grenada. After Manuel Noriega seized control of his country in 1983, corruption in the Panamanian government became widespread and eventually Noriega threatened the security of the United States by cooperating with Colombian drug producers. Harassment of American personnel increased and after a US Marine was shot in December 1989, the US launched Operation Just Cause. This invasion, including over 25,000 soldiers, quickly secured its objectives. Noriega surrendered on 3 January 1990 and was later convicted on drug trafficking charges.

The Gulf War

In August 1990 Iraqi military forces invaded and occupied Kuwait. The US immediately condemned Iraq’s actions and began building support for a coalition to liberate Kuwait. Iraq’s dictator, Saddam Hussein, ignored the demands of over 36 nations to leave Kuwait. In response, coalition forces began deploying to Saudi Arabia. On 12 January 1991 Congress authorized the use of military force to liberate Kuwait. Operation Desert Storm commenced 17 January 1991 as the coalition initiated an air campaign to disable Iraq’s infrastructure. After five weeks of air and missile attacks, ground troops, including over 300,000 from the US Army, began their campaign to free Kuwait. On 27 February 1991, coalition forces entered Kuwait City forcing Iraq to concede a cease-fire after only 100 hours of ground combat.

Somalia and Rwanda

In the early 1990s Somalia was in the worst drought in over a century and its people were starving. The international community responded with humanitarian aid but clan violence threatened international relief efforts. The United Nations formed a US-led coalition to protect relief workers so aid could continue to flow into the country. Operation Restore Hope succeeded, ending the starvation of the Somali people. US soldiers also assisted in civic projects that built and repaired roads, schools, hospitals and orphanages. A history of ethnic hatred in Rwanda led to murder on a genocidal scale. Up to a million Rwandans were killed and two million Rwandans fled and settled in refugee camps in several central African locations. Conditions in the camps were appalling; starvation and disease took even more lives. The international community responded with one of the largest humanitarian relief efforts ever mounted. The US military quickly established an atmosphere of collaboration and coordination setting up the necessary infrastructure to complement and support the humanitarian response community. In Operation Support Hope, US Army soldiers provided clean water, assisted in burying the dead and integrated the transportation and distribution of relief supplies.

Haiti

In December 1990 Jean-Bertrand Aristide was elected President of Haiti, in an election that international observers deemed largely free and fair. Aristide took office in February 1991, but was overthrown by the Army and forced to leave the country. The human rights climate deteriorated as the military and the de facto government sanctioned atrocities in defiance of the international community’s condemnation. The United States led a Multinational Force to restore democracy by removing the military regime, return the previously elected Aristide regime to power, ensure security, assist with the rehabilitation of civil administration, train a police force, help prepare for elections and turn over responsibility to the UN. Operation Uphold Democracy succeeded both in restoring the democratically elected government of Haiti and in stemming emigration. In March 1995 the United States transferred the peacekeeping responsibilities to the United Nations.

The Balkans

During the mid-1990s, Yugoslavia was in a state of unrest because various ethnic groups wanted a separate state for themselves. Serbia attempted through military force to prevent any group from gaining autonomy from the central government. Serbian forces brutally suppressed the separatist movement of ethnic Albanians in the province of Kosovo, leaving hundreds dead and over 200,000 homeless. The refusal of Serbia to negotiate peace and strong evidence of mass murder by Serbian forces resulted in the commencement of Operation Allied Force. Air strikes against Serbian military targets continued for 78 days in an effort to bring an end to the atrocities that continued to be waged by the Serbs. Serbian forces withdrew and NATO deployed a peacekeeping force, including US Army soldiers, to restore stability to the region and assist in the repair of the civilian infrastructure.

The War on Terrorism

Terrorists of the al-Qaeda network attacked the United States on September 11, 2001, killing nearly 3000 people and destroying the World Trade Center in New York City. The United States, with enormous support from the global community, responded with attacks on the al-Qaeda network and the Taliban-controlled government of Afghanistan that was providing it support. Operation Enduring Freedom with US and allied forces quickly toppled the Taliban regime and severely damaged the al-Qaeda forces in Afghanistan. US Army NCOs and soldiers continue to play a leading role in the war on terrorism and provide security to the Nation.

CONTEMPORARY OPERATIONAL ENVIRONMENT

Full Spectrum Operations

Today the Army’s operational doctrine covers the full spectrum of operations. That means stability, support, offense and defense operations. What that means to you is to conduct good training and make sure your soldier meets the standards. Effective training is the cornerstone of operational success. Training to high standards is essential for a full spectrum force; the Army cannot predict every operation it deploys to. Battle-focused training on combat tasks prepares soldiers, units and leaders to deploy, fight and win. Upon alert, initial-entry Army forces deploy immediately, conduct operations and complete any needed mission-specific training in country. Follow-on forces conduct pre- or post-deployment mission rehearsal exercises, abbreviated if necessary, based on available time and resources.

The Operational Environment

America’s potential adversaries learned from the Gulf War that to oppose US forces on our terms is foolhardy at best and may even be suicidal. As demonstrated by terrorist adversaries, we can expect that our enemies in the future will attempt to avoid decisive battle; prolong the conflict; conduct sophisticated ambushes; disperse combat forces and attempt to use information services to its advantage – all while inflicting unacceptable casualties on US forces.

The operational environment and the wide array of threats present significant challenges. Army forces must simultaneously defeat an adversary while protecting noncombatants and the infrastructure on which they depend. This requires Army leaders to be adaptive and aware of their environment.

Depending on your mission and location, you and your soldiers, or perhaps the local population may be the targets of a terrorist attack. An adversary may try to use you in an information campaign to destroy US resolve. The more vital your units’ mission is to the overall operation the more likely it is that an adversary will attempt to target you in some way.

The Information Environment

All military operations take place within an information environment that is not within the control of military forces. The information environment is the combination of individuals, organizations and systems that collect, process, store, display and disseminate information. It also includes the information itself. The media’s use of real-time technology affects public opinion and may alter the conduct of military operations. Now, more than ever, every soldier represents America – potentially to a global audience.

Technology enhances leader, unit and soldier performance and affects how Army forces conduct full spectrum operations in peace, conflict and war. Even with its advantages, the side with superior technology does not always win in land operations; rather, the side that applies combat power more skillfully usually prevails. The skill of soldiers coupled with the effectiveness of leaders decides the outcomes of engagements, battles and campaigns.

ARMY TRANSFORMATION

The NCO has a key role in Army Transformation, perhaps the premier role. As the Army becomes a more deployable, agile and responsive force, some units will reorganize, receive new equipment and learn new tactics. The NCO, as the leader most responsible for individual and small unit training, will build the foundation for the Army’s objective force. New technology enables you to cover more ground and maintain better situational awareness. But individual and collective tasks are more complex, requiring small unit leaders to coordinate and synchronize soldiers’ efforts and the systems they employ to a degree never before seen.

Our Army has always benefited from NCOs who could and did display initiative, make decisions and seize opportunities that corresponded with the commander’s intent. These qualities are more important than ever in Army Transformation. Despite technological improvement and increased situational awareness at every level – the small unit leader must still make decisions that take advantage of fleeting opportunities on the battlefield.

 

Duties, Responsibilities and Authority Explained

As a noncommissioned officer, you have duties, responsibilities and authority

DUTY:

A duty is something you must do by virtue of your position and is a legal or moral obligation. For example, it is the supply sergeant’s duty to issue equipment and keep records of the unit’s supplies. It is the first sergeant’s duty to hold formations, instruct platoon sergeants and assist the commander in supervising unit operations. It is the duty of the squad/section/team leader to account for his soldiers and ensure that they receive necessary instructions and are properly trained to perform their jobs.

A noncommissioned officer’s duties are numerous and must be taken seriously. An NCO’s duty includes taking care of soldiers, which is your priority. Corporals and sergeants do this by developing a genuine concern for their soldiers’ well-being. Leaders must know and understand their soldiers well enough to train them as individuals and teams to operate proficiently. This will give them confidence in their ability to perform well under the difficult and demanding conditions of battle. Individual training is the principle duty and responsibility of NCOs. No one in the Army has more to do with training soldiers than NCOs. Well trained soldiers will likely succeed and survive on the battlefield. Well trained soldiers properly do the tasks their NCOs give them. A good leader executes the boss’s decisions with energy and enthusiasm; looking at their leader, soldiers will believe the leader thinks it’s absolutely the best possible solution.

There may be situations you must think carefully about what you’re told to do. For example, duty requires that you refuse to obey illegal orders. This is not a privilege you can claim, but a duty you must perform. You have no choice but to do what’s ethically and legally correct. Making the right choice and acting on it when faced with an ethical question can be difficult. Sometimes, it means standing your ground and telling your supervisor you think their wrong. If you think an order is illegal, first be sure that you understand both the details of the order and its original intent. Seek clarification from the person who gave the order. This takes moral courage, but the question will be straightforward: Did you really mean for me to… steal the part… submit a false report… shoot the prisoners?

If the question is complex and time permits, seek advice from legal assistance. However, if you must decide immediately, as in the heat of combat, make the best judgment possible based on the Army values and attributes, your experience and your previous study and reflection. You take a risk when you disobey what you perceive to be an illegal order. Talk to your superiors, particularly those who have done what you aspire to do or what you think you’ll be called on to do; providing counsel of this sort is an important part of leadership. Obviously, you need to make time to do this before you’re faced with a tough call. This could possibly be the most difficult decision you’ll ever make, but that’s what leaders do.

Noncommissioned officers have three types of duties: specified duties, directed duties and implied duties.

Specified duties are those related to jobs and positions. Directives such as Army regulations, Department of the Army (DA) general orders, the Uniform Code of Military Justice (UCMJ), soldier’s manuals, Army Training and Evaluation Program (ARTEP) publications and MOS job descriptions specify the duties. For example, AR 600-20 says that NCOs must ensure that their soldiers get proper individual training and maintain personal appearance and cleanliness.

Directed duties are not specified as part of a job position or MOS or other directive. A superior gives them orally or in writing. Directed duties include being in charge of quarters (CQ) or serving as sergeant of the guard, staff duty officer, company training NCO and NBC NCO, where these duties are not found in the unit’s organization charts.

Implied duties often support specified duties, but in some cases they may not be related to the MOS job position. These duties may not be written but implied in the instructions. They’re duties that improve the quality of the job and help keep the unit functioning at an optimum level. In most cases, these duties depend on individual initiative. They improve the work environment and motivate soldiers to perform because they want to, not because they have to. For example, while not specifically directed to do so, you hold in-ranks inspections daily to ensure your soldiers’ appearance and equipment are up to standards.

RESPONSIBILITY:

Responsibility is being accountable for what you do or fail to do. NCOs are responsible to fulfill not only their individual duties, but also to ensuretheir teams and units are successful. Any duty, because of the position you hold in the unit, includes a responsibility to execute that duty. As an NCO, you are accountable for your personal conduct and that of your soldiers. Also, each soldier is individually responsible for his own personal conduct and that responsibility cannot be delegated. A soldier is accountable for his actions to fellow soldiers, leaders, unit and the US Army.

As a leader you must ensure that your soldiers clearly understand their responsibilities as members of the team and as representative of the Army. Commanders set overall policies and standards, but all leaders must provide the guidance, resources, assistance and supervision necessary for soldiers to perform their duties. Mission accomplishment demands that officers and NCOs work together to advise, assist and learn from each other. Responsibilities fall into two categories: command and individual.

Command responsibility refers to collective or organizational accountability and includes how well the unit performs their missions. For example, a company commander is responsible for all the tasks and missions assigned to the company; his superiors hold him accountable for completing them. Commanders give military leaders the responsibility for what their sections, units, or organizations do or fail to do. NCOs are therefore responsible to fulfill not only their individual duties, but also to ensure that their team and unit are successful. The amount of responsibility delegated to you depends on your mission, the position you hold and your own willingness to accept responsibility.

One point you need to get straight is that although a list of duties can be drawn up describing what is expected of you, it will not tell you how to do your job. For example, one of an NCO’s duties is to enforce standards of military appearance. This means you are responsible for correcting soldiers who wear the uniform improperly and for teaching them the correct standards of appearance. It also means that you should inspect for proper and serviceability, clothing and equipment of your soldiers. Remember that you must set the example first and your soldiers will follow in your footsteps.

Individual responsibility as a noncommissioned officer means you are accountable for your personal conduct. Soldiers in the Army have their own responsibilities. For example, if you write a check at the commissary, it is your responsibility to have sufficient funds in the bank account to cover the check. Individual responsibility cannot be delegated; it belongs to the soldier that wrote the check. Soldiers are accountable for their actions, to their fellow soldiers, to their leaders, to their unit and to the United States Army. As a leader you must ensure that your soldiers understand clearly their responsibilities as members of the team and as representatives of the Army.

AUTHORITY

As a noncommissioned officer, you must know what authority you have and where it comes from. You are also expected to use good judgment when exercising your authority.

Authority is defined as the right to direct soldiers to do certain things. Authority is the legitimate power of leaders to direct soldiers or to take action within the scope of their position. Military authority begins with the Constitution, which divides it between Congress and the President. The President, as commander in chief, commands the armed forces, including the Army. The authority from the Commander-in-Chief extends through the chain of command, with the assistance of the NCO support channel, to the squad, section or team leader who then directs and supervises the actions of individual soldiers. When you say, “PFC Lee, you and PFC Johnson start filling sandbags; SPC Garcia and SPC Smith will provide security from that hill,” you are turning into action the orders of the entire chain of command.

In the Army there are two basic types of authority: command authority and general military authority.

Command authority is the authority leaders have over soldiers by virtue of rank or assignment. Command authority originates with the President and may be supplemented by law or regulation. Even though it is called “command” authority, it is not limited to officers – you have command authority inherent in your leadership position as a tank commander or team leader, for example. Noncommissioned officers’ command authority is inherent with the job by virtue of position to direct or control soldiers.

Leading soldiers includes the authority to organize, direct and control your assigned soldiers so that they accomplish assigned missions. It also includes authority to use assigned equipment and resources to accomplish your missions. Remember that this only applies to soldiers and facilities in your unit. For example, if the platoon sergeant of first platoon goes on leave and a squad leader is put in charge, that squad leader has command authority over only first platoon, until he is relieved from the responsibility. The soldiers in first platoon will obey the squad leader’s orders due to his position. However, the squad leader does not have command authority over another platoon.

General military authority is authority extended to all soldiers to take action and act in the absence of a unit leader or other designated authority. It originates in oaths of office, law, rank structure, traditions and regulations. This broad-based authority also allows leaders to take appropriate corrective actions whenever a member of any armed service, anywhere, commits an act involving a breach of good order or discipline. For example, if you see soldiers in a brawl, you have the general military authority (and the obligation) to stop the fight. This authority applies even if none of the soldiers are in your unit.

General military authority exists whether you are on duty or not, in uniform or in civilian attire and regardless of location. For example, you are off duty, in civilian clothes and in the PX and you see a soldier in uniform with his headgear raised up and trousers unbloused. You stop the soldier immediately, identify yourself and ensure the soldier understands and makes the necessary corrections. If he refuses, saying you don’t have the authority to tell him what to do because he’s not in your NCO support channel, the soldier is wrong.

You as an NCO have both general military authority and the duty to enforce standards as outlined in AR 670-1. Your authority to enforce those regulations is specified in AR 600-20 and if you neglect your duty, you can be held accountable. If the soldier refuses to obey you, what can you do? For starters, you can explain that you have authority regardless of your location, your unit, or whether you are in uniform or civilian attire. You may decide to settle for the soldier’s name and unit. If so, a phone call to his first sergeant should be more than enough to ensure that such an incident does not recur.

Delegation of authority. Just as Congress and the President cannot participate in every aspect of the armed forces operations, most leaders cannot handle every action directly. To meet the organization’s goals, officers delegate authority to NCOs in the NCO Support Channel who, in turn, may further delegate that authority. Unless restricted by law, regulation, or a superior, leaders may delegate any or all of their authority to their subordinate leaders. However, such delegation must fall within the leader’s scope of authority. Leaders cannot delegate authority they do not have and subordinate leaders may not assume authority that superiors do not have, cannot delegate, or have retained. The task or duty to be performed limits the authority of the leader to whom it is assigned.

Both command and general military authority originate in the Constitution and Congress has further defined them in law. More explicit sources are Army Regulations, the Manual for Courts Martial (MCM) and the chain of command/NCO support channel.

You don’t need to read or remember all Army Regulations (ARs) but study those that pertain to your job. If necessary, ask other NCOs to help you find out what regulations pertain to you, where they can be found and how to interpret them. Start with AR 600-20. It covers enlisted soldiers’ and noncommissioned officers’ authority and responsibilities.

The Manual for Courts Martial (MCM, 2002) describes legal aspects of the authority of the noncommissioned officer. It states in part that, “All commissioned officers, warrant officers and noncommissioned officers are authorized to stop quarrels, frays and disorders among persons subject to the code….” Severe penalties are imposed for violations such as disrespect, insubordination, or assault. No one expects you to be an expert on military law, but as a noncommissioned officer you should know the definition of these words and be able to explain them to your soldiers. Your legal clerk can be a good source of information.

Authority of the NCO is part of the equation in military discipline.

Your authority also stems from the combination of the chain of command and the NCO support channel. Orders and policies that pass through the chain of command or the NCO support channel automatically provide the authority necessary to get the job done. With such broad authority given to all commissioned officers and noncommissioned officers, the responsibility to use mature, sound judgment is critical. The chain of command backs up the NCO support channel by legally punishing those who challenge the NCO’s authority. But it does so only if the noncommissioned officer’s actions and orders are sound, intelligent and based on proper authority. To be a good leader, you should learn what types of authority you have and where it comes from. Whenever in doubt, ask. Once you’re confident that you know the extent of your authority, use sound judgment in applying it. Then you will be a leader respected by both your soldiers and superiors.

 
 

Grid Coordinates

Finding your location on a map using grid coordinates

The map has vertical lines (top to bottom) and horizontal lines (left to right). These lines form small squares 1,000 meters on each side called grid squares.

The lines that form grid squares are numbered along the outside edge of the map picture. No two grid squares have the same number.

The precision of a point location is shown by the number of digits in the coordinates: the more digits, the more precise the location.

1996-a 1,000 meter grid square.
192961-to the nearest 100 meters.
19269614-to the nearest 10 meters

Look at Figure 1. Your address is grid square 1181. How do you know this? Start from the left and read right until you come to 11, the first half of your address. Then read up to 81, the other half. Your address is somewhere in grid square 1181.

NOTE:
Always begin your reading from the southwest corner of your square.

Grid Coordinates

Grid square 1181 gives your general neighborhood, but there is a lot of ground inside that grid square. To make your address more accurate, just add another number to the first half and another number to the second half-so your address has six numbers instead of four.

To get those extra numbers, pretend that each grid square has ten lines inside it running north and south, and another 10 running east and west. This makes 100 smaller squares. You can estimate where these imaginary lines are.

Suppose you are halfway between grid line 11 and grid line 12. Then the next number is 5 and the first half of your address is 115. Now suppose you are also 3/10 of the way between grid line 81 and grid line 82. Then the second half of your address is 813. (If you were exactly on line 81, the second part would be 810). Your address is 115813 (B, Figure 5 18).

The most accurate way to determine the coordinates of a point on a map is to use a coordinate scale. You do not have to use imaginary lines; you can find the exact coordinates using a Coordinate Scale and Protractor. This device has two coordinating scales, 1:25,000 meters and 1:50,000 meters. Make sure you use the correct scale.

Grid Coordinates 2

First, locate the grid square in which the point (for example, Point A, Figure 2) is located (the point should already be plotted on the map).

The number of the vertical grid line on the left (west) side of the grid square is the first and second digits of the coordinates.

The number of the horizontal grid line on the bottom (south) side of the grid square is the fourth and fifth digits of the coordinates.

Grid Coordinates 3

To determine the third and sixth digits of the coordinates, place the coordinate scale on the bottom horizontal grid line of the grid square containing Point A.

Check to see that the zeros of the coordinate scale are in the lower left hand (southwest) corner of the map grid square.

Slide the scale to the right, keeping the bottom of the scale on the bottom grid line until Point A is under the vertical (right hand) scale (Figures 3 and 4).

Grid Coordinates 4

On the bottom scale, the 100 meter mark nearest the vertical grid line provides the third digit, 5. On the vertical scale, the 100 meter mark nearest Point A provides the sixth digit, 3. Therefore, the six-digit grid coordinate is 115813

Grid Coordinates 5
 

How to Spend Your Student Loan Money

student loan money

What can you use student loans for? It’s that time of the year when students start to receive their financial aid refunds. This typically occurs when students have either secured enough money through grants and scholarships to cover their tuition and fees, or they have borrowed more student loan money than they actually needed.

What Can You Use Student Loans for?

If you fall into the second category, don’t rush out and spend that money just yet. Unlike the money you may have received from a scholarship or grant, your student loan money will eventually need to be paid back. I know it can be tempting to splurge a little, especially if you have been strapped for cash the last few weeks, but trust me when I say you’ll regret it after graduation.

Why? Student loans carry substantial principal and interest payments which can come back to haunt you later if you’re not careful and don’t budget accordingly. If you find you have a little extra money coming back to you this semester, here are few do’s and don’ts to consider when deciding how to spend your student loan money.

Do use your money to…

  • Purchase food for your dorm or apartment.
  • Pay housing or rental fees and room and board. 
  • Cover your books and supplies for the semester.
  • Pay for transportation or vehicle maintenance.
  • Cover your utilities and other necessary living expenses.
  • Pay tuition and fees for the summer semester.

Don’t use it to pay for…

  • A weekend getaway to Las Vegas.
  • Drinks for everyone at the club.
  • The new spring collection at Forever 21.
  • Pizza for the entire dormitory.
  • Black lighting and a disco ball in your dorm room.
  • Concert tickets to your favorite bands.
  • Spring Break in Cancun.

It’s never a wise idea to use your student loan money to cover items that aren’t necessary for your education or daily living expenses. Why pay for a gym membership when you can use the campus facilities for free? There’s no need to purchase cable or satellite television, or splurge on the newest MacBook Pro, when there are more practical alternatives. Set a budget for yourself and stick to it.

Any additional funds you may have can be saved for future semesters, or you can start making payments on your current loans. You can even have the financial office reduce your federal or private loan if you know you won’t need the entire amount.

Some expenses may seem trivial, but they do add up.  For instance, if you spend $40 a week on fast food, over the course of four years that could add up to around $2,000. With a student loan interest rate of 6.8%, you’ll end up paying an additional $750 over the term of your loan (based on a 10-year repayment term).

If you extend your payments at any time, you’ll be paying even more. Be smart and follow these two simple guidelines: borrow only what you absolutely need, and restrict your spending to “needs” and not “wants.” If you don’t, you could be graduating with a lot more than just your college degree.

 

Being a Student Loan Cosigner Can Be Risky

Last night, my daughter ran into my room brimming with excitement about a theatre school in New York City that she absolutely must attend next year. Being the proud ‘drama mama’ that I am, I didn’t simply shoot her down. Instead, we paid a visit to the school’s website. Everything looked amazing, but there didn’t seem to be any mention of tuition or fees.

Intrigued, I searched for the ever-elusive Net Price Calculator that schools are expected to post on their websites.

Surely this would tell me what my daughter’s dream school was going to cost me, right? I punched in our income figures, answered a few general questions, and up popped a number that made me suddenly sick to my stomach.

Even after scoring a potential $4,000 scholarship, and taking out the maximum in student loans ($5,500), our responsibility would be a whopping $35,000 per year. Ouch! The number, however, didn’t seem to deter my daughter. She simply turned to me and said, ‘You can cosign on a private student loan with me, right?’

Technically, the answer is yes. My husband and I both have good credit, but should we help finance this expensive dream? Before co-signing on any student loan, whether for your child or a friend, here are some things you should consider, the risks of being a student loan cosigner.

1. History May Repeat Itself

If the person requesting your help to cosign a private student loan has a history of not following through on promises, doesn’t have a history of making good financial decisions, or can’t seem to save any money, you may want to reconsider signing your name to a student loan agreement. Remember, you are equally responsible for paying back the loan. If the borrower fails to make his/her payments on time, you can be sure the lender will come looking for you.

2. Your Credit Could Be Damaged as a Student Loan Cosigner

You may have great credit right now, but taking out a large student loan could make it more difficult for you to take out other loans or credit cards. If you think you may want to make a major purchase, such as a car or a new home, you may not want to co-sign at this time.

Additionally, you must be prepared to have your credit score lowered should the other person fail to make payments on time. It only takes one missed payment to negatively affect your credit score.

3. The Loan Obligation Goes Beyond the Amount Financed

The amount borrowed is not the amount the borrower will end up paying over the life of the loan. Deferment, forbearance and interest can add a hefty amount to the total cost of the loan.

If you become responsible for repaying the loan, you need to consider that your obligation will include the amount borrowed, accrued interest and any other fees incurred during the course of repayment.

4. The Debt Could Hurt Your Relationship

It’s not uncommon for students to default on their loans. If you decide to co-sign on a student loan, you must be prepared to assume that debt if the borrower fails to make their payments.

If you are financially unable to make the payments, it can have serious repercussions. Not only will your credit suffer, but also your relationship with the other person on the loan. I have seen money pull families apart all too often, so think long and hard before you take out any loans you can’t afford to repay.

5. It’s Very Difficult to Remove Yourself From the Loan

Don’t co-sign a student loan with the expectation that you can simply remove your name at a later date. Although most lenders offer a co-signer release, there are some hoops the borrower must jump through first. One, depending on the lender, he/she must make consecutive, on-time payments. This can be as few as 12 months (Sallie Mae) or as many as 48 (SunTrust). In addition, the borrower must provide proof that he/she meets income requirements and has a satisfactory credit score.

There is no guarantee that even after payments are made on a timely basis that the lender will let you out of your commitment. There are even some cases where a borrower has died and the co-signer was still required to pay back the loan. And forget about bankruptcy; it’s nearly impossible to have student loans discharged. If you sign on the dotted line, expect to share the responsibility for that debt until it is paid in full.

Risks of Being a Student Loan Cosigner

Consider These Tips to Safeguard Your Credit

If you feel confident that your child (or other borrower) is responsible and you want to help by co-signing on a student loan, be sure to consider the following safeguards.

  •  Make sure the student exhausts all federal financial aid options including federal student loans before considering a private student loan.
  •  Encourage the student to diligently pursue scholarships and grant opportunities.
  •  Only borrow what is absolutely needed. Play it safe by not taking out more than one years’ anticipated salary (borrower’s) upon graduation. For example, if you expect your child to earn $35,000 at his/her position, don’t borrow more than $35,000 in total student loans while he/she is in college.
  •  Have the borrower sign an agreement that stipulates he/she will repay any missed payments and/or fees you cover over the life of the loan. This way, if you do end up in court, you may be able to recoup some or all of your losses.
  •  Take charge of the student loan payments. It could be months before a student loan servicer or creditor contacts you about missed payments. By then, the damage to your credit score has already been done. Save yourself the trouble by mailing in the payments or submitting them electronically online. In some cases, lenders offer an incentive for using automatic payments.

Although I would love to help my daughter pay for her dream college, taking on a potential debt of $140,000 just doesn’t make financial sense. If she were to default on the loan, we could lose our retirement savings, home and other assets. She may be a little upset with me right now, but I’m confident that we can find another ‘dream’ school that’s a little more within our family’s budget.

Saying no to your child (or a friend) is never easy, but in the end you must do what’s best for your financial security.

 

How Much Does College Cost?

How Much Does College Cost?

The number one question that students and families ask about attending college is how much does college cost? The cost of attendance or COA is like the sticker price for college. Every year the cost of attendance goes up but merit and need based scholarships and grants may cover part of COA. College expenses could be tuition, fees, housing, books, supplies, transportation and other out of pocket expenses. 

According to NCES, the estimated total cost of college at a public institution is $28,297, $49,654 at private nonprofit institutions, and $26,261 at private for-profit institutions in 2022 to 2023.

How Much Does College Cost?

Each year for every state the cost of attendance keeps rising. It’s typically cheaper to attend an in state college rather than out of state. According to NCES, out of state students in the U.S. paid an average of $28,297 more in cost of attendance (COA) than in state students in 2022-23.

Also, the average cost of college may vary between public and private institutions along with two vs four year schools. Keep in mind to calculate other costs such as housing, books, supplies, transportation and other personal expenses. 

Massachusetts has the highest in state average cost of college which is $67,953. District of Columbia offers the lowest in state average cost of college at $6,152. The chart below shows the average cost of four year college in each state for in state tuition and out of state tuition.

  Public College Private College 
RankingStateIn State TuitionOut of State TuitionIn State TuitionOut of State Tuition
1Utah$15,286$22,244$16,003$16,003
2Wyoming$14,634$14,669N/AN/A
3Florida$15,810$18,344$43,140$43,140
4Idaho$17,275$24,754$15,963$15,963
5New Mexico$17,516$21,952$37,201$37,201
6Montana$17,292$27,435$42,910$42,910
7North Dakota$18,362$13,973$24,900$24,900
8Oklahoma$17,909$22,125$40,136$40,136
9South Dakota$17,459$13,194$36,145$36,145
10Wisconsin$18,295$27,024$48,660$48,660
11North Carolina$18,264$23,452$51,868$51,868
12Nevada$18,293$23,550$38,083$38,083
13Arkansas$18,803$21,981$33,035$33,035
14Georgia$19,057$23,345$44,846$44,846
15Missouri$20,534$22,812$40,501$40,501
16Mississippi$19,765$20,848$28,712$28,712
17West Virginia$20,011$22,915$22,236$22,236
18Kansas$18,803$21,981$33,035$33,035
19Texas$18,807$25,419$51,236$51,236
20Louisiana$20,622$23,395$57,334$57,334
21Washington$21,715$31,410$53,857$53,857
22Alaska$22,063$25,414$28,427$28,427
23Nebraska$19,851$21,953$37,285$37,285
24Tennessee$21,061$24,381$42,767$42,767
25Indiana$21,090$29,269$49,853$49,853
26Alabama$21,448$27,145$27,835$27,835
27Iowa$20,088$28,257$47,150$47,150
28Maine$21,126$30,099$54,613$54,613
29Minnesota$22,992$25,238$46,286$46,286
30Kentucky$22,575$25,325$37,019$37,019
31Hawaii$22,264$32,043$33,933$33,933
32Colorado$23,061$31,699$40,791$40,791
33Maryland$23,008$27,111$62,317$62,317
34Ohio$23,552$26,881$48,614$48,614
35Oregon$25,397$34,292$60,038$60,038
36California$24,349$34,454$54,795$54,795
37New York$25,082$20,304$60,677$60,677
38Arizona$24,896$26,025$23,249$23,249
39South Carolina$23,600$33,217$38,477$38,477
40Michigan$25,463$40,004$43,305$43,305
41Delaware$25,472$32,419$24,358$24,358
42Virginia$26,507$36,674$35,742$35,742
43Rhode Island$27,872$32,910$64,025$64,025
44Illinois$26,993$29,350$50,638$50,638
45Connecticut$28,816$37,414$60,408$60,408
46Pennsylvania$27,336$26,426$60,218$60,218
47Massachusetts$28,572$32,291$67,953$67,953
48New Jersey$28,633$29,681$53,717$53,717
49New Hampshire$29,381$32,035$33,197$33,197
50Vermont$30,921$41,914$64,274$64,274
51District of Columbia$6,152$13,004$62,714$62,714
 

How Much Does it Cost to Study Abroad in College? 

The range of programs and countries makes it hard to get an exact bottom line on whether a college overseas is cheaper. Just like in the states, there are private and public colleges. Also, the cost of living varies in different countries and cities.

When you do your math, you want to factor in the expenses that go into study abroad programs. Apart from tuition and fees, you need money for housing, food, travel and transport to and from college. Also, there is insurance to cover medical, dental and travel.

You also want to factor in the exchange rate for US dollars and if you are eligible for financial aid. That said, there are countries that offer free college or very affordable tuition. So, you may be able to satisfy your wanderlust while saving money.

7 Countries with Free College or Affordable Tuition

1. Germany

Tuition is free in most states, but you could pay tuition fees of about $1,793 USD and a semester contribution of up to $418 USD and living costs. The average German student has expenses of $979 USD. 

2. Iceland

Tuition is free, but at public universities you pay an annual administration fee which differs at each college. The cost of living for food and housing of about $1,613 per month. 

3. Norway

Tuition is free at public universities, but you might have to pay fees of $33 to $65 USD and the cost of living is high. It may be worth checking if financial support is available to offset your living expenses. 

4. Austria

If you have a Residence Permit – Student, the average per semester cost is $868 USD. Your housing costs (rent, food, etc.) are additional expenses as well.

5. France

Public universities in France may cost from $178 to $1075 USD per term. You also need at least $514 per month to survive but that is low and varies by region. Paris is usually on the high side.

6. Luxembourg

The University of Luxembourg is the only public university in the country. Here, you need a living budget of $1,405 USD. You also pay a registration fee of $478 for semesters 1 and 2. Then $239 for semesters 3 to 6.

7. Spain

Depending on the cost per credit at Spanish universities, international students might have to pay up to $7,172 USD per year for undergraduate programs. The average student also spends at least $956 USD per year on books alone, and cost of living tends to be high in big cities like Madrid.

Understanding Student Loan Borrower Benefits

Student Loan Borrower Benefits

If you’ve exhausted your federal financial aid, and haven’t been lucky enough to win any scholarships to help cover your remaining expenses, chances are you are now researching private student loans to help pay for college. If so, there are several things you should consider before signing on the dotted line.

First of all, you’ll most likely need a cosigner, especially if you are a younger student or haven’t been working at a stable job for several years. Approximately 90 percent of borrowers will need a cosigner, so don’t take it personally. Next, you’ll want to be sure that you borrow only what you absolutely need.

Finally, consider the annual percentage rate being offered and any student loan borrower benefits that might be available. For those of you who may be unfamiliar with borrower benefits, these are perks you can earn based on a variety of factors.

Let’s take a look at some of the current benefits being offered by private student loan lenders and how they can affect your bottom line.

Automatic Payment Reduction of Student Loans

Most private student loan lenders offer borrowers anywhere from a 0.25% to 0.50% interest rate reduction for enrolling in automatic payment plans. This can translate into several hundreds of dollars in savings over the life of the loan.

For example, a $10,000 loan at a fixed rate of 8% paid over 10 years could result in a savings of approximately $237 (0.25%) to $463 (0.50%).

Savings may be less if you have a variable interest rate, a lower fixed rate, or choose a shorter repayment term. If you cancel the automatic payments at any time or a payment is returned for insufficient funds, the discount may be lost permanently, depending on the lender’s terms.

Student Loan Interest Rate Reduction

Existing Customers – If a private student loan lender offers an interest rate deduction for existing customers, it may be to your benefit to open a checking account with the institution, especially if it offers free banking services. As a loyal customer, you may be rewarded with either a 0.25% or 0.50% interest rate deduction over the life of your loan. As long as you maintain an account with the financial institution, you should continue to receive your discount.

On-Time Payments – Another way to earn a reduction in your interest rate is by making a certain number of on-time payments with your lender.

For example, Union Federal offers a 0.25% interest rate reduction after you have made 36 on-time payments (payments made within 10 days of the due date) and have enrolled in an automatic payment plan prior to the 36th payment. On a $10,000 loan over 10 years (8% fixed rate) that amounts to a savings of around $108.

Other – If you use Lend Key Student Loans to finance your college education, you may be eligible to receive a 1% interest rate reduction once you enter full repayment (after the grace period) and have repaid 10% of your loan principal (subject to a 2.99% floor rate).

Principal of Student Loans Reduction

Some private student loan lenders will offer you a principal reduction after certain conditions are met. For example, SunTrust will give you a 1% reduction under the Graduation Reward program, as long as you submit a certified copy of your college diploma within 90 days of graduating.

If you have made more than one late payment, you are no longer eligible for the reward. In general, a principal reduction is less valuable than an interest rate reduction because it is a one-time deal and not applied annually.

Cash Rewards from Paying Your Student Loan Debt

A few private student loan lenders offer cash rewards if you meet the qualifications for their programs. One of the most interesting right now is the Discover Student Loan 1% cash reward for good grades.

If you earn a 3.0 GPA or higher during the academic term covered by your student loan, you can submit a redemption request within 6 months of the final term covered by the loan.

The reward is calculated based on your disbursed principal balance and mailed directly to you. Keep in mind that you may owe tax on this type of reward since it may be considered income.

Another way to earn cash rewards is through the Sallie Mae Smart Reward® program, which gives you 2% of your scheduled monthly payments made on time while you are in school or during the grace period.

To receive this borrower benefit, you must have an active UPromise® account and select either the interest or fixed repayment option. Again, this type of reward may be subject to income tax, so the overall benefit may actually be much lower once that is taken into consideration.

In addition to these borrower benefits, some lenders also offer limited perks. Right now, SunTrust is offering a .75% interest rate reduction to students who submit a student loan application between June 1 and July 31, 2024. Once approved, the reduction will be applied on the initial disbursement date and be effective during the life of the loan.

Likewise, Citizens Bank is offering a 0.25% interest rate discount for applications for its TruFit Student Loan® received by June 30th, 2024.

In most cases, you can earn more than one borrower benefit, so the savings can really add up. Just remember to review your lender’s terms carefully and understand your obligations for maintaining these benefits.

Finally, when reviewing the repayment examples lenders provide, be sure to read the fine print to see if those examples include borrower benefits. We haven’t seen any that do, but when you are trying to compare you options, inclusion of benefits can make a noticeable difference in terms like APR.

Still confused? Get Informed About Student Loans Then, Get Matched To Online Schools Using Our Degree Finder!

 

Student Loan Identity Theft

Student Loan Identity Theft

How to Spot Scams and Protect Yourself from Fraud

If you’re figuring out how to finance college, online resources can help you find student loans and scholarships that may help you afford your education. But how do you know when you’ve encountered a student loan scam?

While there are many legitimate online sources for college financing – including student loansfinancial aid, and scholarships – potential scams may make you vulnerable to identity theft and other risks. Let’s go over how to spot a scam and what you can do to protect your sensitive personal information as you finance your college dream.   

What Are the Risks of Student Loan Scams? 

When applying for loans, students and parents often submit a lot of personally identifiable information to schools and lenders. Cybercriminals use these identifiers to learn as much as they can about you. Once scammers gain access to pieces of information like your Social Security number, driver’s license number, bank account number, and email address, they could potentially steal your identity and use it to commit crimes – at your expense.  

Student Loan Identity Theft Scams

Young adults and students between the ages of 17 and 25 are increasingly susceptible to student identity theft. But many students aren’t exactly sure what identity theft is, or how to protect themselves from it.  

Identity theft occurs when a thief steals your personally identifiable information in order to commit fraud. Identity thieves may:

  • Gain access to your bank account
  • Open new credit cards and accrue debt in your name
  • File fraudulent tax returns
  • Buy or rent property while posing as you
  • Perform other criminal actions

Before applying for, enrolling in, and accepting financial offers, it’s important to understand the risks involved. Make sure you only submit personal information to a trusted source. Authenticating websites, lenders, and awards before submitting your personal information can help you avoid identity theft.   Scams That Target Students Besides identity theft, scammers have other means of taking advantage of unsuspecting students. Watch out for these college financing scams that target students (and their parents!) before, during, and after graduation.  

New and Current Students

For brand new or first-generation college students, figuring out how to pay for college can be overwhelming. As you navigate the world of college financing for the first time, be aware of potential scams like:  

  • Advance Fee Scams:  This is where a student loan lender offers a lower interest rate and better loan terms if you pay an advance fee for their services. Don’t fall for this; legitimate public or private lenders never ask you to pay upfront. If expenses are incurred, these would be totaled into your monthly repayment schedule.
  • Scholarship Scams:  Just like advance fee scams, scholarship scams may ask you to pay money upfront to search or apply for scholarships. That’s a big red flag. Legitimate scholarship sites don’t cost anything, and you should be able to find plenty of scholarships to apply to, free of charge.

Recent Graduates and Young Professionals

Just because you’ve already graduated college doesn’t mean scammers will stop targeting you. As recent graduates and new professionals start tackling their college debt, they may be vulnerable to other types of scams, such as:  

  • Loan Consolidation Scams:  This is when scammers contact recent graduates offering low consolidation rates in return for an administrative or service fee. Instead of consolidating your loans, these fake lenders collect money from you and do nothing. Remember that you should never pay to consolidate your student loan debt. Consolidating government loans is a free service offered by the Office of Federal Student Aid. And, while private consolidation loans may charge something called an origination fee to refinance loans, this is relatively rare and would be included in the overall cost of your loan, not charged upfront.
  • Debt Elimination Scams:  If it sounds too good to be true, it probably is. While there are a few rare cases in which student loan debt may be forgiven, most borrowers have to pay back their student loans in full. Some exceptional circumstances may include the death of the borrower, institution closure, and falsified enrollment documentation resulting from identity theft. In addition, eligible students may have some of their loans forgiven through federal loan forgiveness programs, if they meet very strict requirements. But if you are approached by an individual or company offering to eliminate your student loan debt, it’s a scam.

6 Tips to Help Student Protect Their Personal Information

You don’t have to fall prey to scammers and identity thieves who target college students. These tips may help you stay safe and protect your bright future as you finance your educational goals.  

#1: Protect Sensitive Physical Records and Data

The danger isn’t just online. Keep physical documents like your Social Security card, passport, medical documents, and birth certificate in a safe place.

#2: Use Caution on Public Networks

It’s best to avoid exchanging personal or sensitive information through a public or unsecured Wi-Fi network, like the one at your favorite coffee shop. If a cybercriminal is monitoring a public network, your data could be intercepted and used against you.

#3: Stay Safe on Social

Don’t share private information over social media…especially the answers to the security questions for your sensitive accounts! Even seemingly harmless information, like the name of your pet or the street you live on, can help cybercriminals gain access to your accounts. Then, they can change your passwords and lock you out.

#4: Browse and Apply Safely

Use security software to protect yourself when browsing online or submitting information over the web. ID theft monitoring services, such as LifeLock, are always helpful, especially when exchanging personal information, applying for loans or scholarships, and shopping online.

#5: Defend Your Devices

A nabbed phone or laptop may be all it takes for a criminal to steal your identity. Always keep an eye on your devices and make sure they’re locked when not in use.

#6: Watch for Suspicious Activity

Keep an eye on your personal and financial records, including your credit report and bank statements, for signs of fraudulent charges or unauthorized activity. You may also want to watch your email spam folder, to learn if your email address is on an internet email list (making it easy for cybercriminals to find).

 

5 Steps for Student Identity Theft Recovery

By taking every precaution as you prepare for and finance your college education, hopefully you can avoid this worst-case scenario. But if you do become the victim of identity theft, it’s important to take action right away. Here are the steps you should take if you believe your identity has been stolen:  

#1: Determine the Type of Identity Theft You Experienced

Criminals use different strategies to gain access to sensitive financial and government records. A thief can drain or open bank and credit card accounts, collect government benefits and tax refunds, or even use a stolen ID to evade police. Before reporting fraud, gather as much information as possible about the specifics of your case.  

#2: File a Police Report

Immediately documenting your case is the best way to limit the damage done. Obtaining a police report will also help you establish credibility when reporting identity theft to lenders and major credit bureaus.  

#3: Notify the Federal Trade Commission (FTC)

You can complete and submit their form on the FTC website.

#4: Enable Fraud Alerts on Your Credit Files

Identity theft should be reported to all of your lenders, plus the three major credit bureaus: Equifax, Experian, and TransUnion. After contacting these credit bureaus, ask if they can enable automatic fraud alerts on your credit files.  

#5: Frequently Check Your Credit Reports

Keep monitoring your online accounts and financial reports. If you see something suspicious, report it immediately. Tell your financial lenders and creditors if there’s been any unauthorized access.

How College Students Can Stay Informed and Avoid Scams The world of college financing can seem scary, but by doing your homework, you should be able to avoid scams that target vulnerable students and recent grads. Follow these tips to stay safe, protect your personal information, and find legitimate sources of financial aid.   

  • Research Current Student Loan Scams.  Ask your college’s financial aid office if they know of scams currently aimed at students, and always thoroughly look into loans or financial aid offers before applying.   
  • Enroll with Trusted and Credible Lenders.  Avoid scams by entrusting your college financing needs to reliable lenders. First of all, always fill out the FAFSA and maximize any federal financial aid you may qualify for. Then, use the Student Loan Finder to find trustworthy private loans.
  • Become a Student Loan Expert.  Understanding how student loans work, as well as your rights and responsibilities as a borrower, can help you spot and avoid offers that don’t sound quite right. EducationConnection is home to plenty of informational resources on the college financing process, and StudentLoans.gov also offers a wealth of information.

  Embarking on your college journey is an exciting time in your life, and you should spend it pursuing new goals and experiences and not dealing with the aftermath of identity theft. By taking precautions as you finance your education, you can prevent scammers from getting in the way of your dreams. 

Where Do You Go if You Have a Student Loan Problem?

Student Loan Problem

Earlier this month, the Consumer Financial Protection Bureau (CFPB) released a report detailing the types of complaints it has received over the last three years. This not only included information about credit card and mortgage complaints, but also issues with private student loans.

Resolve a Student Loan Problem

The majority of the complaints the CFPB received regarding private student loans involved problems with consumers repaying their debt. Nearly 46 percent of consumers cited issues with billing, fees or restructuring their loans, and another 22 percent had problems when they were unable to pay on time.

Since these are common complaints among student loan borrowers, I thought it might be a good time to address a question I often get on social media: “Where do you go if you have problems with your student loans?”

Start With Your Student Loan Lender/Servicer

For issues regarding payments or balances due, be sure to gather any and all supporting documentation you may have on file. This will include notes you have taken during phone calls, correspondence received through postal mail or email, and all payment receipts.

Copies of your bank statements or cancelled checks may also serve to help verify payments. In many cases, you can log into your student loan account and pull a payment history, as well. Carefully review your paperwork to ensure your complaint is valid. If you find there is still a discrepancy, contact your student loan lender or servicer and file a formal complaint. Be calm and polite, and provide copies of all materials to support your claim.

You should also contact your lender or servicer if you are having difficulty making your payments on time. Ask about other repayment options, such as forbearance or deferment. If you have a federal student loan, you may also be eligible for one of several different repayment plans that can significantly lower your current monthly payments.

Most lenders will require proof of your income, so be prepared to provide copies of your recent tax forms and pay stubs to document any recent changes.

Regardless of the type of complaint, it’s very important that you document your process from the start. Whenever you speak with someone, take down his/her name, the date and time of the conversation, and keep notes about what was discussed. Always follow up in writing (paper or email); a paper trail is essential.

Request a copy of your customer service history, too. These steps will help you in the event your issue is not resolved.

Seek Additional Help

If you have provided suitable documentation to support your complaint, but your lender/servicer is still unwilling to help or the issue has not been resolved to your satisfaction, you may still have other resources at your disposal. Depending on whether you have a federal student loan or a private student loan, the next step will vary.

For federal student loans, you’ll want to review the Self-Resolution Checklist to ensure you have taken all the necessary steps to resolve the issue yourself. If you still need help, your next step would be to contact the Federal Student Aid Ombudsman Group. Before reaching out to them, complete the Information Checklist, as it lists many of the questions that will be covered during your initial consultation.

You can contact the Ombudsman Group by postal mail, phone, fax or you can file a confidential complaint through the online Ombudsman Assistance Request Form. Once the department receives your form, it will collect information about your case and offer assistance in identifying a suitable resolution.

If, however, you have a private student loan dispute, you should contact the Consumer Financial Protection Bureau (CFPB). Whether your student loan is issued by a bank, credit union or school, the CFPB can assist with finding a resolution for just about any student loan complaint. The process is fairly simple, too.

You can register your complaint online and attach any supporting documentation. Once your complaint has been received, the CFPB will forward it to your lender. The lender will have 15 days to respond and, in most cases, no longer than 60 days to provide a resolution. The CFPB has a very good track record for getting results, with 97 percent of lenders responding to complaints in a timely fashion. Over the last three years, more than 11,400 borrowers have filed a complaint, and 73 percent were satisfied with the resolution provided.

Even More Help Available

If you did not take the initiative to find a resolution for your student loan problems before you started missing payments, you may find that your are now faced with default. Although there is little recourse for private student loan default, you can still get help with federal student loan debt resolution through the Federal Student Aid’s MYEDDEBT.

Through this portal, you can get information on how much you owe on your defaulted federal student loans, your payment history, and options for resolving your debt. You can also access forms to request a hearing, review, or discharge of your debt, as well as forms to submit a complaint. Ignoring your debt won’t make it go away, so do yourself a favor and seek help as soon as possible.

 

Gift Aid vs. Self-Help Aid

Gift Aid vs. Self-Help Aid

Now that college acceptance letters have started to roll in, students will soon begin receiving financial aid award letters from their prospective colleges, as well. This vital component of the college planning process can be a bit confusing, especially when colleges do not use the Financial Aid Shopping Sheet created by the U.S. government.

This standardized form is meant to help students clearly understand what is being offered and allows them to easily compare award packages from different schools.

Unfortunately, fewer than 2,000 colleges to date have voluntarily adopted this form, which means some students may be unsure of what is actually being offered in terms of financial aid.

First of all, it’s important that students understand that not all financial aid is free money for college. In fact, most financial aid packages include a combination of gift aid and self-help aid. And this is where many students get lost or confused.

They see the total amount being offered, but don’t clearly understand what they are actually taking on in terms of potential debt. Before agreeing to any financial aid package, students must understand the distinct differences between the two types of aid. Here is a brief overview of each, and what students may see as part of their financial aid award packages.

GIFT AID

Gift aid, simply put, is free money for college. Students typically receive gift aid based on financial need, academic achievement, or for other skills and talents. Here are the major types of gift aid commonly offered to students:

Grants

In general, grants are awarded to students based on financial need. This may include Pell Grants and Federal Supplemental Educational Opportunity Grants, as well as grants offered through state and institutional programs. Students must complete the Free Application for Federal Financial Aid (FAFSA) so colleges can determine their eligibility for these awards.

Some colleges may even offer small grants to students who have done well academically, especially during the summer semester, if there are additional funds available. Students who lost a parent as a result of military service in Iraq or Afghanistan after 9/11 may also be eligible for the Iraq and Afghanistan Service Grant, even if their Expected Family Contribution (EFC) is too high for a Pell Grant.

Scholarships

Students can receive scholarships from a variety of sources and for a variety of reasons. The most common scholarships awarded by colleges are for financial need or academic achievement. Students may receive an award based on their SAT or ACT scores, class rank, grade point average (GPA), as well as the ethnic background, or their intended major.

In addition, student athletes at an NCAA Division I or Division II school may receive a scholarship for their particular sport. Those students who have a special talent, such as music or theater, may also receive a scholarship to help offset their costs.

It’s important to note that students can also receive scholarships from state agencies and private providers, such as local businesses and charitable organizations, though these may not be included on the financial aid award letter from their prospective schools.

Students must report any outside scholarships received to their college’s financial aid department, as it will be counted toward the total financial aid allowed and must not exceed the Cost of Attendance (COA).

 

SELF-HELP AID

Self-help aid is money awarded to students that must be paid back, or requires something in return, such as volunteer hours or a certain number of work hours. This includes the following categories:

Work Study

This need-based financial aid program is offered through colleges and supplemented by the federal government. Funding is limited, so it’s important that students apply early and indicate their interest when completing the FAFSA. If eligible, students may seek or be assigned part-time work either on or off campus.

The hours are typically very flexible and the money is paid directly to the student. Money earned through work-study programs is not counted as income when students apply for FAFSA the following year, therefore it will not lower their financial aid eligibility.

Some schools offer their own work study program unrelated to the federal program and wages earned will count toward student income reported on the FAFSA.  

In all cases, it’s important to know that these grants must be earned through work and that the award will not be directly applied to a student’s tuition bill.

Student Loans

Students may be offered federal loans, private loans, or a combination of the two. Unlike gift aid and work-study programs, the money received through loans must be repaid.

In general, federal student loans offer lower interest rates and have more flexible repayment terms for students. There are two federal student loan programs available. The largest, the Federal Direct Student Loan Program (FDLP), includes Direct Subsidized and Direct Unsubsidized Loans, Direct PLUS Loans, and Direct Consolidation Loans. The other, the Federal Perkins Loan Program, is a school-based loan program that is awarded to students who show exceptional financial need.

Eligible students may receive these loans regardless of their credit history, except in the case where a parent or graduate student is requesting a PLUS Loan.

Private student loans, on the other hand, require a good credit score. Most students will also need a cosigner with good credit to obtain a private student loan. It’s important that students review the interest rate, loan fees, Annual Percentage Rate (APR), length of repayment, and total cost of the loan before signing any documents.

Each lender is different, and some may have more favorable terms or offer repayment incentives, so students should compare offers carefully before making a decision.

Private loans should only be used when all other forms of financial aid have been exhausted, and students should only borrow the minimum amount required.

Students may find that their financial aid packages fall short of covering all of their expected expenses, especially if they have a high EFC and do not qualify for need-based assistance.

If there have been changes in their income, a recent hospitalization, or other factors that may have reduced their available college savings, students should contact their college financial aid office and request a review. In some cases, students may be awarded additional financial aid.

For those who still find themselves lacking the necessary funding for college, I suggest looking into other options, such as employer tuition assistance or reimbursement programs, or using a free scholarship search.

4 Methods for Reducing the Cost of Out-of-State Tuition

Out-of-State Tuition

Many high school students can’t wait to leave the nest and fly far away from their parents once they finish high school. Unfortunately, the cost of attending an out-of-state college usually puts the brakes on those plans. It can be difficult for families to cover the gap between in state and out of state tuition fees, but there are a few ways on how to pay for out of state tuition.

One way, of course, is to establish residency in the state prior to enrolling in school. Most families, however, won’t want to uproot everyone for the sake of one child, especially if one or both parents have stable incomes in their current home state. It’s also not convenient option for those with multiple children who plan to attend college.

How to Pay for Out of State Tuition?

Thankfully, there are other ways to reduce the cost of out-of-state tuition that doesn’t require packing up and moving away.

1. Locate Regional Reciprocal Agreements

Some students may qualify for a tuition break (typically 150% of in-state tuition) if they cannot pursue their desired major at a public, in-state college or university. These reciprocal agreements, often referred to as tuition exchange programs, are available in several regions. The following programs may help you on how to pay for out of state tuition.

Academic Common Market (ACM) – For over 35 years, the Southern Regional Education Board (SREB) has given students the opportunity to attend out-of-state schools at a discounted rate. Currently, there are more than 1,900 undergraduate and graduate degree programs to choose from within the 16 participating SREB states.

Western Undergraduate Exchange (WUE) –Students who reside in one of the 15 member states are eligible to receive reduced tuition rates at one of the 150 WUE institutions. Most participating institutions extend the discounted tuition rate for two (associate’s degree) or four (bachelor’s degree) years.

Midwest Student Exchange Program (MSEP) – Over 100 institutions across the nine participating states (Illinois, Indiana, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota and Wisconsin) provide students with discounted tuition rates that typically save students between $500 and $5,000 annually. Students also receive a 10% tuition reduction at participating private colleges.

New England Regional Student Program (RSP) – Otherwise known as Tuition Break, this program managed by the New England Board of Higher Education, provides the opportunity for students to enroll in more than 700 undergraduate and graduate programs at a reduced rate. A total of 82 public college and universities in six states (Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermont) participate in the program. The average annual savings per student is $7,200.

2. Find State Tuition Exchange Programs

Several states participate in reciprocal agreements with neighboring states. These tuition exchange programs often give non-resident students the opportunity to attend participating out-of-state colleges at the same or lower rate that they would pay at a public, in-state college or university. But, unlike the regional agreements, students aren’t restricted by their choice of major.

There are, however, some programs that are excluded in certain states. Here are a few examples of some of the available tuition exchange programs.

Minnesota has agreements with Wisconsin, North Dakota and South Dakota that allow students to attend participating schools and pay whichever in-state tuition rate is the highest.

Ohio students may attend participating out-of-state colleges in Indiana, Kentucky, Michigan and West Virginia. Students are charged the current, in-state tuition rate for their school of choice.

Kentucky also has tuition exchange agreements with Illinois, Indiana, Tennessee and West Virginia.

 Eligible Colorado students may attend participating institutions in New Mexico and pay the in state tuition rate.

 

3. Earn Merit Scholarships

Students who have scored well on the SAT or ACT, and have maintained a high grade point average may receive offers from colleges that cover the difference between out-of-state and in-state tuition fees. These scholarships are often renewable, and in some cases, students may even have their entire tuition covered.

The following colleges offer out-of-state scholarships, but there are many more available.

4. Serve in the Military

Another way students can save on tuition at out-of-state colleges is to serve in the military. Most colleges and universities will allow active duty members and veterans to register at the in-state tuition rate.

Regardless of where students enroll in college, it’s important that they have a good financial aid plan in place and consider the total cost of attendance, not just their first-year expenses.

It may seem more interesting to venture away from home, but students who take on high amounts of student loan debt to finance their educational adventures may regret their decisions further down the road.

Have You Considered Peer-to-Peer Lending for Student Loans?

Peer-to-Peer Lending for Student Loans

With a competitive job market, many people are wondering whether it is the perfect time to attend college. These students are unsure about present and future job prospects along with rising student debt. Also, you may not presently have a job. So you are unsure if you may be eligible for student loans without a job? Learn more about how to receive a student loan without a job.

Where would you turn if you had exhausted your federal financial aid and still did not have enough funding through scholarships and grants to help cover your college expenses? Private students loans, right? For most students that would be the logical next step, but it’s certainly not your only option. Another option could be peer to peer lending for student loans. 

Over the last few years, peer-to-peer lending (also known as social lending) has increased in popularity.  Why? It’s simple.

Peer-to-peer loans typically offer lower interest rates and they often approve loans to those who may not qualify for traditional private student loans. There are basically two formats you can choose from: (1) family (friends and family) loans and (2) stranger-to-stranger loans. Both have their advantages and disadvantages.

Advantages of Peer-to-Peer Student Loans

As mentioned previously, both types of peer-to-peer lending formats may give you access to loans with lower interest rates. You may also qualify even if your credit score is less than perfect. The application for p2p loans is much easier to complete and you should receive approval (or denial) in a very short period of time.

There are also no prepayment penalties and you may have the option to enroll in an unemployment protection plan. Most peer-to-peer lenders also give you a discount if you choose to have your payments automatically withdrawn from your bank account. The biggest advantage, though, is the ability to obtain a loan without a cosigner in most cases.

Disadvantages of Peer-to-Peer Student Loans

Although peer-to-peer lending has many advantages, there are a few things to consider before you take out a loan. Unlike federal student loans, you generally won’t be eligible for forbearance, income-based repayments, or any loan forgiveness plans if you accept a peer-to-peer loan or similar social lending funding. 

You may also have fewer years to pay back your debt. If you choose a family loan, you may also be ineligible to claim the student loan interest deduction on your federal taxes because it is unlikely to meet the definition of a “qualified education loan” per the Internal Revenue Service (IRS). Another key drawback is that you may or may not receive the entire amount requested and it can take some time for your request to be funded.

 

Where to Find Peer-to-Peer Lenders

In general, most peer-to-peer lending sites, such as Prosper and Lending Club, offer personal loans for weddings, home improvements, credit card debt consolidation, and more. There are only a few, however, that specifically offer student loans at this time.

Both SoFi and CommonBond offer student loans and refinancing, but it is important to note that they only provide student loans for graduate-level degrees at specific colleges and universities. GreenNote, which used to offer a more conventional type of student loan product, has switched to a crowdfunding platform where friends, family, and strangers may contribute to your college expenses.

We expect, however, that more players will enter the arena soon. As college tuition rates continue to rise, and more families find it difficult to cover the costs of an education, more creative ways to pay for college will be needed and welcomed to help students avoid the risk of default.

Parents Who Have Been Denied a PLUS Loan Still Have Options

PLUS Loan

The PLUS Loan for Parents is a federal education loan program many families utilize to pay for tuition, room and board not covered by financial aid or other loans, such as Direct Student Loans, provided to the student.  In the PLUS Loan for Parents program, the borrower is a parent. However, your application for a parent plus loan denied

A parent can borrow up to a student’s Cost of Attendance minus other financial aid including other student loans.  However, credit is a factor in determining eligibility for PLUS.  As such, not everyone will be approved. While the credit criteria used to determine approval for PLUS are not as stringent as they are for other consumer loans, a parent borrower still needs to meet a few credit-based conditions in order to receive financing.  

If those conditions aren’t met, a PLUS loan denial will be the result.  Don’t give up hope, there are still a few options left open.  We’ll go over each, but let’s start by looking at why you may be denied PLUS loan in the first place.

Denied for Parent Plus Loan

In general, you may be denied if you have adverse credit consisting of any of the following:

  •  Bankruptcy discharge within the past five years
  •  Voluntary surrender of personal property to avoid repossession within the last five years
  •  Collateral repossession within the past five years
  •  Foreclosure proceedings started
  •  Foreclosure within the last five years
  •  Conveying your real property that is subject to a mortgage (by deed) to your lender to avoid foreclosure (deed in lieu of foreclosure)
  •  Accounts currently 90 days or more delinquent
  •  Unpaid collection accounts
  •  Charge-offs/write-offs of federal student loans
  •  Wage garnishment within the last five years
  •  Defaulting on a loan, even if the claim has been paid
  •  Lease or contract terminated by default
  •  County/state/federal tax lien within the past five years
 

In order to determine if one of those conditions applies, a credit check will be performed. If denied, you will receive an adverse action letter with an explanation for the particular reason(s) for the denial.

If you have been denied a PLUS loan, you still have a couple of options you can pursue to pay for your child’s education.

  • Get a cosigner. If you are denied PLUS, you can have someone other than the student endorse (cosign) your loan.  An endorser becomes financially obligated to repay the loan if you cannot.  Most parents turn to another family member to act as an endorser, but you are not limited to having a family member serve in this role.
  •  File an appeal. If you have extenuating circumstances that led to adverse credit and you can document it, you can request reconsideration.  Approval upon reconsideration is at the sole discretion of the U.S. Department of Education.
  •  Ask for additional unsub. If you cannot get someone to endorse your loan or do not have extenuating circumstances, the student may be able to borrow additional funds through the Direct Unsubsidized Student Loan program.  The student will need to contact the financial aid office at their school to determine the correct steps to take to make this request. Freshmen and Sophomores may borrow up to an additional $4,000. Juniors and Seniors may borrow up to $5,000. The school will determine the amount based on how much room is left in the student’s budget (COA minus other aid including loans).
  •  Consider borrowing against other assets. If you were using PLUS as a way to avoid dipping into retirement funds or home equity, those may also be options  you could pursue.  However, we strongly encourage you to seek the guidance of a professional should you move forward with this option.
  • Seek light elsewhere. If all else fails, consider a less expensive alternative or, in the worst case, defer enrollment for a year and work on a budget and plan that includes working and saving toward paying tuition or resolving credit issues.

How Much Do You Get if Denied Parent PLUS Loan?

If a Parent PLUS Loan is denied, the student may qualify for additional Direct Unsubsidized Loan funds. The amount they can receive depends on their academic year:

  • Freshmen and Sophomores may borrow up to $4,000 in additional unsubsidized loans.
  • Juniors and Seniors may borrow up to $5,000 in additional unsubsidized loans.

The school’s financial aid office determines the exact amount based on the student’s remaining Cost of Attendance (COA) after other aid has been applied. Students should contact their school’s financial aid office to initiate the request.

Whenever you borrow, remember to borrow only what you truly need.  Education loans, in most cases, cannot be discharged in bankruptcy and there are expensive consequences for failing to repay.

How to Remove a Cosigner From a Student Loan

How to Remove a Cosigner From a Student Loan

Are you wondering on how to remove a cosigner from a student loan? With the rising cost of college tuition, more students are turning to private student loans to help bridge the gap between what is offered through financial aid and what they can pay out of pocket and their actual college costs.

Unfortunately, many young people have a limited credit and employment history, which means they will be unable to secure a private student loan on their own. In general, most lenders require students to have a credit worthy cosigner before they will be approved for financing. If a cosigner no longer wants to be responsible for a student loan, here are ways on how to remove a cosigner through a student loan cosigner release. 

How to Remove a Cosigner from a Student Loan

This person doesn’t necessarily need to be related to the borrower (student), but parents and other family members often step up to help out. But, being a cosigner can be risky. If the borrower fails to make payments, the cosigner will be legally obligated to repay the debt. There may even be some risk for the borrower, as well.

For example, should the cosigner die or file for bankruptcy before the loan is paid in full, the student loan servicer may place the loan in default and demand that the balance be paid in full, even if all payments have been made on time. Plus, removing a cosigner from a private student loan is not always an easy process. There are two primary ways a cosigner can be freed of their obligations under the promissory note they signed.

 

Student Loan Cosigner Release

Many banks and lenders offer cosigners the opportunity to be released from a private student loan, but borrowers need to be sure the option is available before consummating the loan. Those that do offer this escape clause typically require borrowers to make a minimum number of consecutive, on-time payments (usually between 24 and 48 months).

Borrowers must also provide evidence that they have sufficient monthly income to cover the payments, and generally must submit to another credit check.

Most lenders provide a form that must be completed, as well. If a borrower already has a taken a loan that was cosigned by another individual, he/she will need to contact the loan’s service to find out if obtaining a release for the cosigner is an available option and, if so, what steps need to be taken for the cosigner to be removed from the loan.

Refinance/Consolidation

For those who do not have the option of obtaining a cosigner release, refinancing or consolidating their  loans may be the only way to remove a cosigner from his/her obligation. Borrowers will need to have a good credit history, stable employment, and enough income to cover the monthly payments on their own in order to refinance or consolidate their loans.

Basically, this allows borrowers to pay off their previous debt and releases cosigners from any further obligation. The original loan will, however, remain on the cosigner’s credit history, but will indicate that the loan is closed and paid in full.

If neither of these options is available, cosigners should do their best to ensure payments are being made on time until the debt is paid in full. This may require them to even pitch in now and then, but it’s better than finding out that their credit has been ruined due to several late payments being reported to the credit bureaus, or worse, being required to pay late fees, penalties, and collection costs because the loan went into default status.

Financial Aid for High School Students & Finding College Money for High Schoolers

Financial Aid for High School Students

The financial aid process is a little bit different for each student, but there are a few things that hold true for just about everyone, including high school students. Even though you’re still in high school doesn’t mean you shouldn’t start thinking about how you’ll pay for college.

Tips for Finding Financial Aid for High School Students

There’s a ton of information about financial aid on this page, and yes, we know it looks intimidating, especially if you’re still in high school. Before you — students and parents alike — get too far into the guide, check out the flowchart that walks you step-by-step through every possible option you can pursue for financial aid.

Interact with the flowchart and answer the basic questions it asks to help you explore how you should tackle your financial aid game plan — and in what order.

Taking this first step should save you a ton of time and (and hopefully money) as you work through the process. Once you know where you stand, you can come back and research the funding options the most sense for you and your situation.

The Basics

Filing the Free Application for Federal Student Aid (FAFSA) is essential. There are many variables that go into determining eligibility, and there’s no way to know if you are eligible for assistance if you don’t apply.

So, even if you don’t think you’ll qualify for federal financial aid, file the FAFSA.

Here’s why:

  • The FAFSA is used by agencies and funding sources other than the federal government to determine your eligibility for scholarships, grants, loans and other financial aid programs.
  • The FAFSA is used as your application for federal student loans. Because of this, completing the FAFSA gives you two big advantages: you may be eligible for non-federal aid, and even if you don’t want a loan now, the paperwork is already done in case you change your mind.
 

Filing the FAFSA

The quickest way to file the Free Application for Federal Student Aid (FAFSA) is online at: FAFSA on the Web. Complete the FAFSA as soon as possible after January 1st of the year in which you will need funding.

It will be easier to fill out the FAFSA if you have these items handy:

  • Your Social Security card and driver’s license
  • Your W-2 Forms or other records of earned-income (and your spouse’s, if you are married) federal income tax return.
  • Your parent’s federal income tax return (unless you are filing as independent)
  • Records of other untaxed income you received, including welfare benefits, social security benefits, TANF, veteran’s benefits, and military or clergy allowances
  • Your current bank statements and records of stocks, bonds, and other investments
  • Your business or farm records, if applicable
  • Your alien registration card (if you are not a U.S. citizen)

Tip: If you or your parents have not completed federal income tax returns yet, use estimates from pay stubs and bank statements.

If you or your parents’ income has not changed significantly, you have a choice. You can use the amount of tax you paid last year or you can estimate. Here’s an easy way to estimate the amount of tax you owe:

  1. Take the line item from your federal income tax return titled “This is your total tax.”
  2. Divide it by your adjusted gross income.
  3. Multiple this number by your estimate of this year’s adjusted gross income to obtain an estimate of the amount of you tax owe.

Other Applications You May Need to File

CSS Profile

Incoming freshman may also need to complete the CSS Profile Application. Some private colleges require the profile because it gives financial aid administrators more information to determine your eligibility for need-based assistance and funding directly from the school. In other cases, they may need the profile to offer admission to very competitive programs for early admission where the admissions process is not need blind.

The Profile must be completed earlier than the FAFSA – usually in the middle of October of the year prior to the year you’ll need funding. Check with your college to see if you are required to complete the CSS Profile. You can register and apply online at: CSS Profile

Institutional Aid Applications

Some schools require you complete a form they provide you. This is called an institutional aid application. On this form you may be asked to tell the school about outside scholarships you expect to receive and whether you’re interested in other types of aid such as work study.

Often you can also use this form to explain any special circumstances not taken into account on the FAFSA (e.g. an unexpected recent loss of income, extraordinary medical expenses, etc.). If your school requires one of these applications, they will mail it to you.

Financial Aid Eligibility

Financial Need is a term used to describe how much need-based financial aid you’re eligible to receive. Your financial need is calculated by subtracting your school’s Cost of Attendance (COA) from your Expected Family Contribution (EFC). In order for you to receive need-based aid, your COA must be greater than your EFC.

Let’s take a look at how Financial Need is calculated.

COA – EFC = Financial Need

Schools use the processed data from the FAFSA and/or the CSS Profile to determine your financial aid eligibility. Whether you complete the FAFSA and, if required, the Profile, the basis for determining your award is a number referred to as the Expected Family Contribution (EFC).

The EFC is a measure of your family’s ability to pay for college based on student and parent income and asset information, your state of residence, household size, and number of household members in college. Some factors that go into determining your EFC include demographic, financial, and household data, among other things.

The next step in calculating your financial need is figuring out what the Cost of Attendance (COA) will be for the school you will attend. The school you attend establishes a COA for the academic period for which you will be enrolled. The COA includes tuition, room and board, fees and estimated living expenses. Variable costs like books and personal expenses are also included.

The Financial Aid Award Letter

The financial aid office at your school will use the need-based resources they have available to try to meet your Financial Need. They will use other funding sources that aren’t based on need such as the Unsubsidized Direct Student Loan to help cover the entire COA.

Of course, they won’t always be able to meet a student’s full financing need or cost of attendance. 

Follow-up Forms

Sometimes, even after a college has received your FAFSA data, additional information may still be required to complete your package/award. This process is called “verification”. If you are selected for verification, the school will ask that you fill out a Verification Worksheet.

In addition, they request physical copies of documents such as federal income tax returns, W-2′s and any other income statements (e.g. 1099′s) they may require.

Warning: the college will not process your financial aid, without this additional documentation.

If you plan on accepting a Stafford loan or Direct PLUS loans, you will also need to complete promissory notes. The college you attend will provide you with specific information on how to complete this part of the process.

If it’s your first time borrowing a federal loan, you’ll also need to complete an “entrance interview,” which is simply a session done online or in-person that informs you of your rights and responsibilities as a student loan borrower.

Read everything the college sends you carefully and respond to requests promptly. If you have questions or don’t understand something, call the financial aid office and ask! They’ll be more than happy to provide a helping hand.

Types of Financial Aid

If you aren’t familiar with the different types of financial aid that undergraduate students can pursue, we encourage you to do your homework and educate yourself using the links below. Financial aid comes from a variety of sources, so be sure to review each financial aid type in greater detail as you put together your plan.

Job Loss and Financial Aid

Financial Aid Job Loss

Whether voluntary or involuntary, the loss of one’s employment when a child is attending college can leave a parent distraught. Questions like “how will I come up with tuition?” and “will my child have to leave school?” are very common and real. There’s no doubt that the loss of a job has incredibly serious consequences for families–especially those with one or more students currently enrolled in college. Find out how you can receive financial aid from the FAFSA and unemployment status. Financial aid may be available to those who qualify.

Financial Aid Job Loss or Income Reduction

As with many such issues, the best way to approach the problem is pragmatically. And when it comes to financial aid, there is actually a prescribed approach that you should take to help get your financial aid squared away as soon as possible. Let’s take a look at the next steps you’ll need to take so you can rest easy and get back to your number one priority–finding a new job.

Dealing with FAFSA and Unemployment When You’ve Lost Your Job

  1. Before we get started, don’t panic. You are not the first family to have this crisis while one or more students are attending college. In fact, the financial aid office will see this situation many times each academic year.
  2. Gather documentation regarding your job loss. This may include a separation notice or even COBRA eligibility paperwork provided by HR. You will also want to have a copy of your final paycheck.
  3. Ask for reconsideration of your student’s financial aid. Write a detailed letter to the financial aid office explaining your circumstances and provide the documentation from step 2 above. Your letter should both explain the nature and extent of your unemployment as well as a projection of your family’s gross income for the remainder of the year in question.
  4. Call the financial aid office and ask if they have a form you need to complete to address special circumstances such as a loss of employment. Have the office email the form or download it from the school’s financial aid website, if that is an option. Carefully and thoroughly complete the form.
  5. Send the school’s appeal form, as well as your letter and documentation, to the financial aid office. It never hurts to send via UPS, FedEx or certified mail so you know when your letter has arrived. Keep the receipt date handy because you’ll want to follow up a few days after to inquire about the status of your request.
 

Financial Aid School Review Process

Now what? Each school has its own review process when it comes to making adjustments to your financial aid package, particularly if unemployment will alter FAFSA. Generally, they will use your adjusted income for the current academic year and update your FAFSA information to see if you may be eligible for additional federal student aid. If you attend a private school, they will also determine whether or not they are able to offer additional assistance from the school.

It’s important to remember that even though you have lost income, your financial aid package may not change. For example, if you did not receive need-based assistance prior to your job loss, it’s possible that the income you earned up until your loss of employment, combined with other assets and factors, may still leave you ineligible for such assistance.

Making these adjustments falls under the financial aid office’s ability to exercise professional judgment. It is fully and wholly their decision as to how they factor your job loss into their calculation of financial aid.

Whether you receive an adjusted award or not, you will still be anxious to find your next employment opportunity and to determine how you will afford any upcoming educational expenses. Many families turn to federal student loans, including the federal PLUS Loan for Parents.

One of the advantages of the PLUS Loan is that you can defer making payments until after your student graduates college or drops below half-time status. Some families also consider private student loans. Assuming you have good credit, cosigning a private student loan leaves the student as the primary borrower. Due to historically low interest rates at the time of this writing, private student loans can actually be less expensive than the PLUS. Even if you are denied PLUS, you still have options.

While we know borrowing is never the preferred option for paying for school, it does buy time and that is a very important consideration when your family is struggling to make ends meet after a loss of income.

What Can the Student Do to Help? Scholarships and Work-Study!

Finally, it’s important to have an open and honest discussion with your student. Let him/her know that he/she may need to pitch in financially. That may mean pursuing part-time employment or work-study opportunities (if eligible). Even a small amount of extra income from your student can help offset his/her day-to-day expenses.

It’s also important for him/her to continue to look and apply for outside scholarships. Stress how critical it is for your student to give these applications his/her full attention and encourage him/her to carefully review prior to submission. Even if your student may not be eligible for need-based awards, there are thousands of other programs that may reward him/her for academic achievement, talent, athletic skill, and a variety of other reasons.

What to Look For in a Student Loan Cosigner

What to Look For in a Student Loan Cosigner

If you’re thinking about taking out a private student loan for college, chances are you’ll need a cosigner to get one. Very few students meet the qualifications for securing a loan on their own, so getting your student loans with cosigner may be a necessity.  In fact, “more than 90 percent of private student loans for undergraduate students…require a creditworthy cosigner” according to Mark Kantrowitz of Cappex. There are several student loan cosigner requirements to look into.

A good student loan cosigner cannot only help you secure a student loan, but also obtain a more favorable interest rate. It’s important, however, to understand the risks a cosigner assumes when he or she agrees to help you obtain a loan. He or she will be equally responsible for paying off the debt, even if you don’t finish college.

Should you fail to make payments, your cosigner will be required to not only cover the past due amount, but also any interest fees and other charges that have been assessed. You should only turn to private students loans with a cosigner once you have exhausted all other possible funding sources, such as federal student loans and scholarships. If you do need to pursue a private student loan, you should know who can cosign a student loan and also be aware of the student loan cosigner requirements before asking someone to set up as your cosigner.

What are the Student Loan Cosigner Requirements?

Cosigners for student loans typically need a good credit score, stable income, be in good health and be willing to help you if you are unable to meet your loan payments.

1. Credit History of Cosigner

After the financial and credit crisis of 2008, it became more difficult to qualify for unsecured consumer credit. In the case of private student loans, most borrowers will need a cosigner who has a favorable credit history and a reliable source of income. Your cosigner should have a low debt to income (DTI) ratio, as well as a history of making payments on time.

There are frequently student loan cosigner minimum credit score requirements.  Lenders are more likely to approve your loan if your cosigner’s credit score is 720 or higher. If your cosigner has a credit score between 680 and 720, he or she may still be able to help you secure a loan, but the interest rate will probably be higher.

2. Stability

Along with a good credit history, lenders will also look at the stability of your cosigner. This includes job history, as well as the length of time your cosigner has lived in his or her home.

You’ll want to choose someone who has worked for the same company for at least a year, if not longer, and has verifiable income. The longer he or she has lived in the area, and maintained a steady income, the better your chances are of securing a private student loan.

 

3. Good Health

Believe it or not, the age and health of your cosigner does matter. Maybe not so much to the lender, but it should be something you take into consideration. If you choose a cosigner who is in poor health, or over the age of 65, you may be in for an unpleasant surprise later on.

Why? Some lenders include a clause in your student loan agreement that allows them to demand your loan be paid in full upon the death of your cosigner. Or worse, the lender could place your loan in default, even though you have made all your payments on time.

This can happen automatically, without any notice, and effectively ruin your credit.

4. Relationship to Student Loan Cosigner

You may think that your parents are the only ones who can cosign a loan for you, but that is not the case. Other relatives, including siblings and cousins, as well as a friend or a spouse, may act as your cosigner. Basically, anyone with a good credit history and the willingness to help you could act as your cosigner.

Just remember that this is a binding contract. If you fail to make your payments or default, you run the risk of not only ruining your credit and your cosigner’s, but also destroying your relationship.

It might be a good idea to draft a contract prior to asking someone to act as your cosigner. You could include specific details about how you plan to repay the debt, such as setting up automatic payments, as well as a clause that states you will reimburse any missed payments and/or fees covered over the life of the loan.

It’s not required, but it may give your cosigner some peace of mind. Finally, don’t forget to thank your cosigner for helping you out. It’s a serious commitment to make and one that should not be taken lightly.

Do I Borrow Student Loans for One Year or For All Years

Do I Borrow Student Loans for One Year or For All Years

First things first–let’s get the answer to the question out of the way.  A student may only borrow up to the cost of attendance determined by the school minus financial aid including other student loans.  The amount a student is eligible to borrow is the remainder of that equation and it can only be determined one academic year at a time.

It might seem convenient or even cost-effective due to current low interest rates to finance an entire education up front.  However, the student would still be accruing or paying interest on the full amount borrowed while in school.

As you can imagine, the interest charges on $40,000 are much higher than on $10,000.  Let’s take a quick look at how eligibility is determined to see how the borrowing process works.

How Much Can You Borrow?

Borrowing a student loan for multiple years is not possible because eligibility can’t be calculated in advance. Things like the school’s cost of attendance will change from year to year as will the financial aid your student is offered.

Plus, the amount a student may borrow under the Direct Student Loan program increases from $5,500 for freshmen, to $6,500 for sophomores, to $7,500 for juniors and seniors.

The school will not only determine your student’s cost of attendance each year, but they will also certify the amount the student is eligible to borrow when the lender of the private student loan requests it.  The lender is required to ask the school for this certification for each academic year (or partial year) in which financing is requested.

It is the school’s job to ensure the student does not borrow more than eligibility allows.

Even if a student could take out one private student loan for all 4 years of college, it wouldn’t make financial sense to borrow more funds than would actually be utilized.  If a borrower defers all payments, interest will still be added to the original amount borrowed.

Even if a student makes interest-only payments while enrolled, the he would still be paying interest on the full amount borrowed.

Student loans do not work like a line of credit that you draw down as needed or like a credit card where you are only charged interest on the part of your credit limit that you access.  Assuming a loan with a 6% interest rate, the monthly payment of interest only on $40,000 would be $200 versus $50 on a $10,000 loan.

Another thing to consider is whether the student will make it all the way to graduation.  According to NCES, only 64% of first-time, full-time undergraduates seeking a bachelor’s degree at a 4-year degree granting institution in the fall of 2014 had graduated by 2020.

One final note, it’s very important for students to borrow only what they really need for any given academic year.  The school’s cost of attendance for each year includes not only the actual costs a student will be billed, but estimates of other expenses like books and room and board.

Take a careful look at both eligibility (how much you can borrow) and actual needs before borrowing a private student loan.

Be certain to pursue all other options for paying for college before borrowing at all.  Regularly searching and applying for scholarships, saving money earned at work, and buying used books whenever possible are all good places to start.

How Much Should I Take Out in Student Loans?

When it comes to student loans, a key question many students ask is: How much should I take out in student loans? The short answer—only as much as you truly need for each academic year.

Since borrowing limits are determined annually based on your school’s cost of attendance minus other financial aid, you can’t take out one large loan for all four years upfront. While it might seem tempting to borrow more than needed to cover future expenses, doing so could result in unnecessary interest costs.

For example, with a 6% interest rate, the monthly interest on a $40,000 loan would be around $200, compared to just $50 on a $10,000 loan. That difference adds up quickly over time! Even if you only make interest payments while in school, you’ll still be paying on the full amount borrowed.

Instead of over-borrowing, carefully assess each year’s financial needs and explore other funding sources first—such as scholarships, work-study programs, or savings. This way, you can minimize debt while still covering the essential costs of your education.

 

Does Applying for Multiple Student Loans Hurt My Credit?

Multiple Student Loans: Impact on Your Credit

We get this question a lot about “Do student loans hurt your credit”. It’s nice to know that some borrowers and cosigners are concerned about the impact applying to multiple student loans may have on their credit. After all, our good credit allows us to finance important big ticket items like cars and homes and receive better rates on things like car insurance and credit cards.

And, as anyone who has reviewed their credit score after applying for a loan can tell you, your score does decrease somewhat based on how recent the inquiry is. Whether it’s an auto loan or a student loan, credit scores are affected by inquiries. Fair Isaac, the company behind the FICO score, has a pretty good explanation about how borrowers should approach the problem and we’ll show you if student loans do hurt your credit.

Multiple Credit Inquiries for Student Loans

According to Fair Isaac, multiple inquiries for student loans over a period of no more than 45 days will have the same impact as a single inquiry.  Your credit score may or may not be impacted by a single credit inquiry and depends mainly on your characteristics of your credit profile. 

When calculating your score, the important distinction is whether you are “rate shopping” or opening multiple new lines of credit.

The way in which they determine this important difference is to look at the time frame in which the inquiries occur. If they are spread over a longer period of time, it may appear that the purpose of the inquiries is to open multiple accounts. If the inquiries occur over a relatively short period of time, it will look more like shopping for the best rate.

When comparing your private student loan options on our site, you may be tempted to go with the lender that offers the lowest “as low as” rate. If you and your cosigner have excellent credit, that may be good enough. However, if you are unsure, you should apply for multiple student loans to compare the final rates and terms offered by the lenders from which you receive approvals.

To ensure the impact on credit scores is kept to a minimum, Fair Isaac recommends doing your rate shopping over a concentrated period of time. While they recommend doing this over no more than a 45 day period, it would be better to be on the safe side and complete your applications as closely together as you can.

Since most undergraduate and many graduate student borrowers will need a cosigner in order to be approved for a private student loan, it will be important to coordinate closely with the cosigner to ensure both the borrower and cosigner complete their portions of the student loan application in a timely manner.

Shopping for the best rates is what we’re all about here at Education Connection. Compare your student loan options and select one or more loan programs. When you are ready, coordinate with your cosigner during the application process and rest easy knowing your credit score won’t take a hit that’s out of proportion to a normal credit inquiry.

 

Federal Direct Unsubsidized Loans

What is an Unsubsidized Student Loan?

An unsubsidized loan is a type of federal student loan for college or career school. The unsubsidized student loan means once loan funds are in a borrower’s account, the interest starts accruing while you’re in school and after you leave. Borrowers are responsible for the whole amount from day one through the life of the loan. This includes when you’re in school and during grace periods. 

As far as repayment options go, a borrower may choose to pay the interest charged each month. You may also allow it to add onto the outstanding principal amount in which case it adds to the total cost of the loan. A recent Sallie Mae study found that 3 in 10 students use loans from the federal government to pay for college.

What are the differences between subsidized and unsubsidized student loans? 

Subsidized vs unsubsidized student loans differ in who they are for, how to qualify and the interest payments. 

Who they are for: Unlike Subsidized Direct Student Loans, unsubsidized loans (also federal loans) do not require a borrower to have financial need to qualify. Financial aid may be available to those who qualify. However, only undergraduate students with financial need may be eligible for a Direct Subsidized Loan.

How to qualify: Unsubsidized loans are typically available to graduate and professional students too. Because they do not use financial need as a criteria, they have different terms regarding interest. 

Different terms regarding interest. A Federal Direct Subsidized Loan is also called subsidized Stafford Loans. The U.S. Department of Education may pay the interest for you for the following periods: 

  • while you’re in school (at least half time)
  • for the first six month grace period after you leave school
  • during a period of deferment 

This effectively could waive the need to pay back the interest during those time periods. Once you start your repayment plan the government may stop paying that interest. As a result, you must repay the original loan amount plus interest which begins to accrue from that moment.

Should I pay off unsubsidized or subsidized loans first? 

Your priority should be to pay the direct unsubsidized loans first because the interest accrues over time. For instance, let’s say you don’t pay the interest while you are in school. Then, each new month of interest starts to add to the loan balance. As the balance grows, the amount you pay interest on also goes higher. If you are a recipient of an unsubsidized loan, you may want to contact your loan servicer to set up a payment plan. Making these smaller installments is a way to keep the interest from adding to the principal balance of the loan.

How Do You Apply for Unsubsidized Student Loans?

To apply for an unsubsidized student loan, you may need to fill out a Free Application for Federal Student Aid. Once it’s submitted, schools use the information from the FAFSA to make any financial aid package that they send you. To be eligible to fill out the FAFSA, you must be a U.S. citizen or eligible non citizen with a valid Social Security number. You also must meet other requirements:

  • Registered with the Selective Service if you’re a male student
  • Be enrolled or accepted for enrollment as a regular student in an eligible degree or certificate program
  • For Direct Loan Program funds, be enrolled at least half time
  • Maintain satisfactory academic progress 
  • Attest you are not in default on any federal aid (including loans and grants)
  • Have a high school diploma or equivalent

When you are ready to complete the FAFSA, you typically use your Social Security Number to create an FSA ID, username and password. If you are a dependent student, you also need your parents’ SSNs in order to electronically sign the form. 

You must also have the following documents ready when filling out the FAFSA. 

  • Your driver’s license
  • If you are not a U.S. citizen, you must be an eligible non citizen and provide your Alien Registration number
  • Federal tax information for you and your spouse if married or for your parents if a dependent (IRS W-2, IRS 1040, foreign tax returns)
  • Records of any untaxed income (child support, interest income, veterans non education benefits for you and for your parents if a dependent)
  • Information on cash, savings and checking accounts (stocks, bonds, college 529, real estate with the exception of the home you live in.)
 

Who is Eligible to Receive Unsubsidized Loans?

Direct Unsubsidized Loans are for eligible students enrolled at least half time at a school that takes part in the federal direct loan program. Unlike subsidized loans, the unsubsidized student loan are available for

  • Undergraduate students
  • Graduate students
  • Professional students
  • Dependent undergrad students (if your parents are ineligible for a Direct PLUS Loan)

Let’s say your financial aid package includes federal loans, your school could tell you how to accept the loan. For first time borrowers this is a two step process. First, you go through entrance counseling. This is a tool to ensure you understand the obligation to repay the loan. Second, you sign a loan contract called a Master Promissory Note agreeing to the terms of the loan.

How Much Can You Borrow in Direct Unsubsidized Loans?

Your school determines the amount you may borrow based on your cost of attendance and other financial aid you receive. The school also sets the loan type(s) if any as well as the maximum amount you are eligible to borrow in any academic year. 

That said there are annual loan limits and total amounts that one may borrow for undergraduate and graduate study (aggregate loan limits). These limits reflect what year of school you are in and your status as a dependent or independent.

Unsubsidized Annual Loan Limits

The following loan limits may vary over time according to the Federal Student Aid.

First Year Undergraduate: Ranges from $2,000 to $6,000 with a total limit of $5,500 to $9,500.

Second Year Undergraduate: Ranges from $2,000 to $6,000 with a total limit of $6,500 to $10,500.

Third Year and Beyond Undergraduate: Ranges from $2,000 to $7,000 with a total limit of $7,500 to $12,500.

Graduate/Professional (Independent students): You may borrow up to $20,500 each year. 

Unsubsidized Aggregate Loan Limits 

Dependent (except students whose parents are unable to obtain PLUS Loans): $31,000

Independent undergrads (and dependent undergraduates whose parents are unable to obtain PLUS Loans): $57,500

Professional and grad students: $138,500

How Does Interest Accrue for Student Loans?

First off, interest (which you pay to a lender) is the cost of borrowing money. It is calculated as a percentage of the unpaid principal amount. Any loan fees associated with your account may also impact the interest that accrues. Direct loans are daily interest loans which means that interest accumulates or accrues daily. Any unpaid interest you are responsible for and do not choose to pay may add to the principal (capitalized). As for interest rates, these are fixed for the life of the (federal) loan. But, do vary by type of borrower and loan as well as the loan disbursement date.

The following shows the interest rates for federal loans first disbursed on or after Oct. 1, 2020, and before Oct. 1, 2024.

  • Undergraduate borrowers: 5.50%% for Direct Subsidized Loans / Direct Unsubsidized Loans
  • Graduate and professional borrowers: 7.05% Direct Unsubsidized Loans only
  • Parents, graduate and professional borrowers: 8.05% Direct PLUS Loans

All variable and fixed rates may vary over time.

How Do You Pay Back Direct Unsubsidized Loans?

Once you graduate, leave school, or are no longer enrolled half time, you may have a six month grace period before you begin to pay back your unsubsidized loan. During this period, your servicer should notify you of your first payment due date. Payments are usually due monthly. However, there are a number of different repayment plans available. We go into more depth on that topic on our Federal Student Loan Repayment Plans. 

Why You Should Consider Borrowing Federal Student Loans?

If you must take out a student loan for college, you are likely determining whether to borrow federal vs private student loans. Keep this in mind, remember to borrow only what you need, be clear on what you have to pay back and set a budget. Here are a few things to consider as you make this important choice.

1. Federal loans tend to cost less. 

According to the Consumer Financial Protection Bureau private loans from a bank tend to have variable interest rates which means interest and payments may go up over time. In contrast, the interest rate on federal loans is fixed.

2. Federal loans may be easier to repay.

When it is time to repay, private loans may not offer as many options to reduce or delay payments. You don’t have to begin repaying your federal loans until after you leave college or drop below half time enrollment. There are also various repayment options if you are having trouble making a payment.

3. Federal loans typically don’t need a credit check.

In order to receive a private loan you are likely to need a cosigner or credit check. If you don’t have a cosigner or a great credit score, you may not qualify.

4. Federal loans may offer larger amounts.

If you are a qualifying graduate or professional student, you may borrow up to $20,500 each year in Direct Unsubsidized Loans. For qualifying undergrads, the maximum amount you may be able to borrow each year in Direct Unsubsidized / Subsidized Loans ranges from $5,500 to $12,500 per year.

Sponsorship for International Students

Sponsorship for International Students

International students hoping to study full time in the United States may find several ways to do so. Many students need to pay for their college education out of their pocket. Sponsorship for international students could help cover the high costs of higher education.

Many U.S. student loan programs and grants are typically available only to U.S. citizens. Some may have some opportunities for students, but these are generally not from the government. A financial sponsorship can may come from a variety of sources. The key benefit here is that the sponsor typically helps to cover some or all of the student’s expenses.

What Does It Mean to Sponsor an International Student?

Sponsorship for international students are usually from a group or organization that agrees to help pay for the student’s costs. It may be an individual. It may also be a company or an agency. This party is typically willing to offer money to the student. The funds may be used for books and tuition. Sometimes it may help cover living expenses if attending a US college.

Sponsorships may be very valuable. It is typically hard to find. Students who secure it may be able to make their dream of getting a higher education in the U.S. possible. There are may be a few things to keep in mind about them, though. The funds usually have to be available right away. Schools will may not wait for funds to become available later.

A student who may have the expectation of employment cannot use those promised funds to pay for education. Rather, they must be able to make tuition payments. More so, they often have to show financial support is available for various degree programs.

Students interested in these funds should work with organizations willing to offer a sponsorship. Many schools publish a cost of living estimate each year. This info may help you make decisions about how much funding a sponsor may need to provide. These expenses plus the cost of tuition and fees can may be a good estimate of the funds needed from the sponsor.

Do International Students Need Sponsorships for Internships?

Students who plan to study and seek employment opportunities in the U.S typically need to have a sponsor for it. Many students may also need to have J1 Visa. This student visa may allow a student to enter into training programs while they are an intern.

To get this visa, students must first apply for a J1 Visa sponsorship. This is done through the U.S. Department of State. It is also done through a state department sponsored organization.

Sponsorship for international students looking for internships could be confusing. In short, students must typically apply with a program sponsor. These sponsors are usually responsible for selecting those who will enter into the J1 Exchange Visitor Program. They may then provide support to the student while they are in the U.S. A person may apply for the J1 Visa sponsorship. Then, they may need to provide documentation for their visa.

This is called the DS 2019 Certificate of Eligibility. The next form is the DS 7002 Training and Internship Placement Plan. This document likely requires all of the details of the process. It typically includes where the student will train. It may includes information about when they will hold the internship.

It may also require the student to provide information about the employer host. Students can may apply for this through their Consulate or Embassy whether first year of beyond. No visa is granted without these documents. This makes it important to get this information completed properly. This process is required for all who plan to intern in the U.S.

Who Can Sponsor an International Student?

Many nonprofits, private organizations, and U.S. and international government may offer sponsorship for international students. It is typically difficult to obtain this type of support. Here are some organizations that may provide sponsorship for international students to receive an education.

U.S. Government Funding

Rarely it is possible to find support from the U.S. government. Many financial aid such as Pell grants are meant for U.S. citizens. There may be some funds for students from some companies. This may come through the U.S. Department of State. In addition, the U.S. Agency for International Development may help.

Some students may find funding this way. These programs control the student’s application process. They also may have very strict rules about the school selected. It will may also limit how the funds may be used. According to Education USA, students who qualify may get up to 100 percent of their tuition covered. It may be worth checking into either of these programs to find financial help. This is typically a good starting point.

 

Funding from an International Government

Some students may be able to secure funding from the government of their home country. This varies significantly. Some countries may help cover the cost of their citizens to study abroad. This may be done for experience. Sometimes it may be done to encourage students to get a more advanced education. They may also offer it if they do not have a program for the student’s interests.

A country’s Department of Education usually offers these programs, if available. Sometimes a Ministry of Education may also offer it. They may help find partnerships with U.S. schools. These partnerships can may be very lucrative. Students may qualify for a significant amount of funding if these connections exist. This may lead to free or reduced costs for education.

Sponsorship for International Students from Private Organizations

Another option for finding a sponsorship for international students come from private organizations. Many companies may seek out international students for key job positions. They may also offer scholarships for them. They typically want to build relationships between countries. Some organizations could want to create new avenues for untapped talent. There are many reasons private companies may do this including being a potential employer.

Often, companies may do this if their interests are tied to a country’s goals or economics. They may also set very strict rules for this. Students should learn what the company’s goal is before choosing this option. They may have very specific goals for the student after completing their course of study. Missions and values should generally align with the student’s goals as well.

These types of private organizations typically set the rules for where these funds may come from. It also includes how the funds may be used. Sometimes the conditions may tie the student to the private organization for years after. They may control many aspects of the student’s experiences.

Some organizations may cover all of the costs of the student whether you are part time or full time. That includes costs related to tuition and books. It may also include funds for relocating to the U.S. Some could offer internships as part of the program of study. If so, the J1 visa rules still apply.

Sponsorship for International Students from Nonprofit or Other Organizations

Some nonprofit organizations may help international students cover the costs of studying in the U.S. These organizations often provide sponsorship for students who meet specific criteria. In many cases, these sponsors are based outside the U.S. and support students as part of their mission to promote global education and cultural exchange. Many non-governmental organizations (NGOs) offer financial assistance with a particular goal in mind, so students should research the eligibility requirements and objectives of each program.

It’s important for students to gather information about the sponsoring organization and its mission. Some programs may have limited availability, while others might fully fund a student’s education, covering tuition, fees, books, and even housing costs. Certain organizations may also provide a stipend to help with living expenses.

Finding these opportunities can be challenging, but some sponsorship programs may be listed through educational institutions or government agencies. In most cases, students must establish a relationship with the sponsoring organization to be considered for funding, which could open doors to valuable financial support.

529 College Savings Plan

For many students, it helps to have some funds set aside to help cover the cost of education. Financial aid may be available to those who are eligible. A 529 is a specific type of savings plan that may be a great fit for many people. It is important to understand what it is and how it works to determine if it is a viable route for your needs.

What is a 529 College Savings Plan?

A 529 plan is a type of tax-advanced savings plan. The goal of this type of plan is to encourage the saving for furniture education costs. These plans are sometimes called qualified tuition plans. They are sponsored by a state, a state agency, or an educational institution. They fit under Section 529 of the Internal Revenue Code.

In short, a person may wish to put funds aside into these plans now so that the named student may then use them later when they enroll in their education.

As a state-sponsored plan, the terms and conditions for how these plans are used differ in each organization. It is necessary to read through the terms and conditions for the plan you select within your state to know what to expect with them.

What Are Some Benefits of a 529 Plan?

The key benefit of this type of plan is that it is tax advantaged. That means that the funds are put into the account and allowed to grow there without having taxes levied on them. The hope is that interest builds on the account and grows its value over time. Then, when the student uses the funds for qualified tuition and other costs, they do not have to pay taxes on those funds as they are withdrawn. Limitations and restrictions apply.

What Are the Types of 529 Plans?

There are two types of 529 plans that you may elect based on availability in your state: prepaid tuition plans and education savings plans. Here is a look at the differences.

Prepaid Tuition Plans 

This type of plan lets the saver purchase units at participating colleges or universities. Sometimes savers purchase credits. Many times, the participating colleges and universities are public or otherwise in-state institutions. Savers purchase those credits for future tuition and mandatory fees required by the school. They purchase them at the current prices for the listed beneficiary on the plan.

Prepaid tuition plans do not allow for the payment of future room and board costs at colleges or universities. Also, it is not possible to use those funds to prepay for tuition at an elementary or secondary school.

Many times, these plans are sponsored by the state governments. Savers and sometimes beneficiaries need to have residency in that state (requirements differ). These plans do not have any federal promise to them, though some states may promise the funds if paid into a prepaid plan that the state is sponsoring. This is not the case in all situations.

If there is a financial shortfall and there is no promise in place, the saver may lose some or all of the funds they put into the plan. Also, note that with prepaid tuition plans, the student may not receive as much of the funds saved for them if they do not attend a qualified and participating school within the plan.

Education Savings Plans

The second option is an education savings plan. It allows the saver on the account to open an investment account. The funds put into the investment account are meant for the listed beneficiary’s qualified higher education expenses. This may include the student’s tuition, mandatory fees, and room and board costs. In many cases, the withdrawals from these plans may be used to cover the cost of education at any college or university. In some cases, colleges and universities overseas may quality.

Students may apply as much as $10,000 per year per beneficiary to these costs. This may be at a public, private, or religious elementary or secondary school as well as colleges and universities.

With education savings plans, the saver may be able to select from a range of investment portfolio options. This may include exchange-traded funds or mutual funds. They may also elect a protected bank product.

These education savings plans are sponsored by state governments, though some have residency requirements for the saver and beneficiaries. Some states do not provide promises on these funds.

 

Frequently Asked Questions

If you have a few questions about 529 college saving plan options, take a look at these questions. You may find they offer some insight into the way these plans may work.

Who May Open a 529 Plan Account?

A 529 plan may be opened by a parent, grandparent, friend, or relative. In addition, it is possible to open these accounts on your own for your own savings for educational expenses.

Which states offer a 529 college savings plan?

All 50 states and the District of Columbia sponsor at least one type of 529 plan. In addition to this, there are some private colleges and universities that also sponsor prepaid tuition plans. You may wish to check with your state to learn more about the specific options available in your area.

These plans are tax-advantaged plans that are available across the country. States, state agencies, as well as some educational institutions sponsor these plans. This is done under Section 529 of the Internal Revenue Code.

Are 529 plans only for kids?

No, it is possible for anyone to use 529 plans in the family, including you. These plans typically cover the educational expenses, including the cost of college or some types of post-secondary education. That includes the tuition costs for private and secondary school at a public, private, or religious school.

Also, note that the person who opens the account is called the account holder or sometimes the saver. The person that the account is named for – and who may use it – is the student or beneficiary. The account holder and the beneficiary may be the same person. In other words, you may be able to open this type of account for yourself.

What may I use my 529 plan assets for?

There are many ways that you may be able to use a 529 plan. Many times, these are used to save for educational expenses for the student, which may be any student in the family. There are a range of qualified education expenses that you may use for this. This includes tuition. The funds within the account may be used at any religious, private, or public school, including college, post-secondary education, elementary, and secondary schools.

There may be other types of qualified higher education expenses. This may include room and board as well as any mandatory fees, books, computers, and software. These are considered mandatory, not optional, purchases for education.

What happens to the funds invested in my 529 plan if my child receives a scholarship?

This may differ from one state to the next. When it comes to merit-based scholarships, the 529 savings plan does not have an impact on the amount of scholarship you may qualify for. These are not need-based scholarships. As such, they typically do not play a role in the use of a 529 plan.

Need-based scholarships may be based on a student’s financial needs. Having a 529 plan in place may reduce the amount of financial assistance provided simply because the student has those funds set aside. That may mean that you may not qualify for all of the need-based scholarships you would without those funds. Be sure to check with our state’s 529 plan to determine how this is handled.

Does investing in a 529 plan impact financial aid eligibility?

Each school treats the funds or assets in a 529 account differently. It is important to check with the details of the state plan to know the specifics. In many cases, investing in a 529 plan generally impacts a student’s eligibility for any type of need-based financial aid for their college education.

One key to consider about this is loans. Many times, for college education, a large part of the offering in a student aid package includes loans. By working to save funds through a 529 plan throughout the student’s lifetime, there may be less need to rely on loan loans that need to be repaid down the road.

What restrictions apply to an investment in a 529 plan?

Many 529 plans have some type of restriction on them. It is quite important for those who plan to use them to read through each of these individual plans to understand what their specific rules and restrictions are before making the decision to use them.

For example, there are often limitations and restrictions related to the underlying investments. Fore ample, some may have pre-set investment options. Many do not allow users to switch between options often. Current law states that account holders are only allowed to make changes to their investments two times per year or when there is a change to the beneficiary receiving the funds.

Another common restriction is on withdrawals. Often, those with a 529 plan may withdraw funds from the account for qualified higher education expenses or for tuition costs. This may apply to only elementary and secondary schools. If they do so outside of these limitations, there may be taxes and penalties to pay as a result.

How does investing in a 529 plan affect federal and state income taxes?

Those who invest in a 529 savings plan may be able to apply tax benefits. These vary at the state level. It is often necessary to work with your accountant to be sure that you are taking the correct course of action for applying these savings opportunities.

Both state and federal laws related to 529 plans may change over time. Be sure to understand the tax implications of investing in these plans by speaking to an advisor. Some states offer tax benefits for 529 contributions. This may include deducting contributions from state income tax. At the federal level, the withdrawals from the 529 savings plan are not considered income, and therefore they are not taxed when they are used for qualified expenses.

Average Debt in America

What Is the Average Debt in America Per Household?

The average amount of debt per household in the U.S. was $104,215 in 2023, according to a report conducted by Experian. That includes mortgages and vehicle loans. It is an increase of 3.4% over the previous year. The average debt also includes any loans and credit cards a person has. This often lumps student loans into the mix as well.

Another way to consider how much debt Americans have is to consider the amount of overall debt owed by all Americans. According to the Federal Reserve Bank of New York, in 2023, household debt across the county rose to $17.7 trillion. This includes mortgage debt as well as non housing balances. Of that, about $17.5 trillion in household debt, such as mortgage debt.

Overall, reports indicate that 340 million Americans have some type of debt, including mortgage and car loans. The Urban Institute notes that 64 million Americans have at least some credit card debt.

Why is Debt on the Rise in the U.S.?

There are many potential reasons why debt continues to increase. According to the Federal Reserve, a large amount of the debt consumers have is due to an increase in mortgage balances, thanks to the purchase of homes that cost more now than they did just a few years ago. However, it may also be due to the increase in inflation, which has reached a 40 year high in 2022, which means that many consumers are spending a lot more than they did before to maintain the same standards of living.

How Much Student Loan Debt Do Americans Have?

According to a report from Experian, the average consumer student loan was $38,787 in 2023. That decreased by -0.6% in 2020 from $38,792. According to White House data, the average student who leaves college with an undergraduate degree program has almost $25,000 in debt.

One of the reasons student loan debt did not increase as rapidly from 2020 to 2021 as it did in prior years is that the U.S. Federal Government put a pause on federal student loan repayment and interest rates. That, along with the hold on collections activity on those student loans, created a bit of a break for consumers on increasing student loan debt. However, for those individuals that did not pay down their debt during that break, it continues to be a component of their ongoing overall debt.

Why Is Student Loan Debt So High in the U.S.?

The cost of higher education continues to rise. According to White House information, the cost of both a four year private and a four year public school has tripled from 1980 through 2022. While many students may have benefited from Pell Grants, which used to cover as much as 80% of those costs, that type of financial aid only covers about a third of the cost of higher education now. Financial aid may be available to those who qualify. That means more students are paying out of pocket or through third party loans to cover their overall costs.

 

Will Student Loan Debt Forgiveness Help with Debt?

The Student Debt Relief Plan provides loan forgiveness for qualified borrowers of up to $20,000. The program may help some families to see relief from debt up to the amount of debt forgiven. The amount may differ for each student.

How Many People Have Student Loans?

The White House notes that there are more than 45 million student loan borrowers in the U.S. That may account for both those who just left school and those who have been out of school for a long time. The reports also indicate that, of those who have student loans, about 16% of them are in default. That includes about a third of all senior citizens who still have student loan debt that they have not repaid.

Consider a few key figures:

  • 45 million people have student loans in the U.S.
  • About 16% of all student loan borrowers are in default
  • About 1/3 of all senior citizens still carry student loan debt
  • The typical Black borrower still owes 95% of their student loans 25 years after they graduate
  • About 66% of people who have a Pell Grant come from a family that earned under $30,000 per year.

What Type of Debt Do Americans Owe?

There is a wide range of debt types that Americans owe. They commonly include mortgage loans, credit card debt, student loans, and vehicle debts. That is a combination of secured and unsecured debt that’s impacting monthly budgets for many of today’s consumers.

Take a look at how much debt the average consumer had in 2023, according to the Experian data:

  • Mortgage Debt: $244,498
  • Home equity loans or lines of credit: $42,139
  • Student loans: $38,787
  • Vehicle loans and leases: $23,792
  • Credit card debt: $6,501
  • Personal loans: $19,402

Americans owe a wide range of debt types, and having various forms of debt is not in itself a bad thing. However, those with mounting debt could struggle to continue to make payments.

How Much Debt do People Have Compared to Income?

Using just a dollar amount to represent the amount of debt a household has does not necessarily mean it is unaffordable. Those with a higher debt to income ratio, though, may have more of a struggle to combat. According to data from the Federal Reserve Bank of New York, In 2021, the overall debt to annual income ratio was 145%, which means that consumers had 145% more debt than they had income.

What Is Considered a Normal Level of Debt for Households?

The optimal situation is that consumers do not carry debt but instead pay off what they borrow each month. However, that is not always the case. There is no specific feature considered normal debt levels. However, the Federal Housing Association recommends having debt, including mortgage payments, under 43% of total income.

As noted by the Consumer Financial Protection Bureau, lenders set their own expectations for debt to income ratios. Some may have a significantly higher threshold than others. In general, the lower this figure is, the more funds a consumer has to manage their monthly expenses.

Average Debt by Income Percentile

There are many ways to consider how much debt Americans have. One way to consider this is to look at how much debt families have compared to their income. The Survey of Consumer Finances provides some insight into this. It looks at the amount of debt based on the net worth percentile. It found that the amount of debt a person has increases based on their net worth.

Here is a look at how much debt people have based on their income:

  • Those who have less than 25% of their net worth in debt, the average debt was $66,940.
  • For those who have between 25% and 49.9% of their net worth in debt, the average debt was $89,070.
  • For those who have between 50% and 74.9% of their net worth in debt, their average debt was $132,520.
  • For those who have been 75% and 89.9% of their net worth in debt, the average debt was $412,650.

Which States Have the Lowest Debt and the Highest Debt?

There are some states with lower household debt than others. Debt amounts range widely throughout the U.S. The states with the least amount of debt include:

  • Mississippi
  • West Virginia
  • Kentucky
  • Arkansas
  • Ohio

Some students have a higher amount of debt than others. The states with the highest amount of debt include:

  • District of Columbia
  • Colorado
  • Hawaii
  • California
  • Washington

Are There Americans That Live Debt Free?

Without a doubt, there are many people throughout the U.S. that do not carry debt. That means they do not have credit card debt or even a mortgage. The number of people who do not have debt changes each year. However, the Experian study indicated that under 25% of all American homes are living without debt. That does not include people who only have a mortgage and no other debt.

What to Do If You Need Help with Debt

Many people who have debt struggle to make payments each month on what they owe. This is financially taxing and may be hard to overcome. There may be some resources to help you.

Student loan forgiveness

If you have student loan debt, learn more about the numerous student loan forgiveness programs that are available. You may do that at the Department of Education website. It may be possible to earn debt forgiveness, discharge, or cancellation of your debts.

Student loan defaults

If you have debt that is in default from student loans, The Federal Student Aid department at the U.S. Department of Education offers insight into what your legal options may be.

Student loan forbearance

It may also be beneficial to consider student loan forbearance. This may allow you to stop making payments for a short period of time. You may learn more about forbearance at the Department of Education website as well.

Other debt help

More information on repaying your debt is available at USA.gov. You may also find a wide range of debt supportive tools and education at the Consumer Financial Protection Bureau.

How Do You Get Student Loans Without a Job?

Get Student Loans

With a competitive job market, many people are wondering whether it is the perfect time to attend college. These students are unsure about present and future job prospects along with rising student debt. Also, you may not presently have a job. So you are unsure if you may be eligible for student loans without a job? Learn more about how to receive a student loan without a job.

Can You Get Student Loans Without a Job?

Getting a student loan without a job may be possible when you have a cosigner. A cosigner is someone who may be willing to make your payments. Private lenders will accept this payment arrangement. They are willing take on the financial risk when two people make payments. The recent COVID 19 pandemic has forced many businesses to close and furlough staff. This situation has forced students to worry about paying off their student loan debt. It may also force some students to postpone their college courses until the economy improves.

The U. S. Bureau of Labor Statistics conducted an student unemployment study in January 2020. Unemployed high school graduates made up 3.8 percent of the study. College graduates had a 2.9 unemployment rate during the same month. With these worries, students wonder how they may pay for their college expenses. Student loans without a job could fill in the gaps or pay the entire costs. Students may seek a loan from a private lender. You may also be eligible for federal aid if you qualify. Private loan lenders may offer student loans even if you’re unemployed or if you have bad credit history. Financial aid may be available to those who qualify.

How Do I Qualify for Student Loans Without a Job?

One way to qualify is to have a cosigner. Private lenders take into consideration a person’s employment history and credit history. This information allows lenders to figure out the amount of the loan. A cosigner is anyone who meets the eligibility criteria for the student loans without a job. The cosigner may be your parents, grandparents, or another family member. It may also be a spouse or family friend. The cosigner typically have to meet the following criteria:

Income minimum limits and debt to income ratios may vary between lenders. You may need a cosigner if you don’t have a job. Ensure that the cosigner is someone that you trust.

Can You Get Federal Student Loans and Private Student Loans Without a Job?

Both private and federal aid lenders may provide student loans to unemployed students. You should double check if you meet the eligibility requirements of each lender. 

What Federal Student Loans May You Receive Without a Job?

U.S. Department of Education will not review your credit report. The organization will also not check income history. They provide Stafford loans based on financial need. You also typically don’t need a cosigner. The only exception to this rule is if you plan to take out a Direct Plus loan with poor or no credit history. In these instances, you may need to have an endorser, which is similar to a cosigner.

Types of federal student loans that you may be eligible for if you don’t have a job include:

  • Direct Subsidized Loans: A federal student loan for undergraduate students. You may have to show financial need. The federal government will pay the fixed interest rate for the life of the loan.
  • Direct Unsubsidized Loans: A federal student loan for undergraduate and graduate students. You do not need to prove financial need. This federal student loan usually has fixed interest rates for the life of the loan.

Federal student loans typically have lower interest rates. This option also provides more variable payment options than private loans. You need to fill out a free application for federal student aid (FAFSA). Then you may send it to the eligible financial institution. The eligible financial institution may determine the amount of the federal loans.

 

What Private Student Loans Are Offered to Unemployed Students?

Private student loans may be available for unemployed students. You may need to have a cosigner to receive the loan. Citizens Bank and Sallie Mae may provide student loans. You may also seek out financial loans from a credit union. Private lenders may check your credit history and employment history for loan eligibility.

Other private lenders may check your future income potential instead of doing a credit check. This factor occurs when you don’t have a credit history or a co signor. Lenders understand that you may find employment after college. In this instance, you may be able to obtain one and submit a loan application.

How Do I Repay Student Loans Without a Job?

You may have to repay the personal loan using the funds from a savings account. The cosigner may also make monthly payments for you during your unemployment. Then you can take over the remaining loan amount or repay the cosigner. You could ask for forbearance or deferment for federal student loans. Forbearance may suspend your federal loan payments. The interest will still accrue on the loan as you will need to pay it later. Deferred federal loans will not accrue interest.

You may also qualify for loan forgiveness programs or an income driven repayment plan for federal loans. There might be less private student loan repayment options for unemployed students. Some student loan lenders may offer unemployment protection or economic hardship forbearance. You may check with specific loan servicers and student loan options. They may inform you about the length of their repayment term’s grace period. Also, don’t forget to check the repayment terms in the loan agreement which has the contracted interest rate. 

  • Loan Forgiveness Programs: Loan forgiveness programs may forgive the remaining loan amount. You may have to make a certain number of previous payments to qualify. Private loan providers typically do not offer loan forgiveness programs. Federal loan forgiveness programs include the Public Service Loan Forgiveness Program.
  • Income driven Repayment Plan: An affordable payment program based on your income and family size. The PAYE plan applies to federal loans. Sallie Mae offers a $25 payment option while you’re in school and during the grace period.
  • Unemployment Protection/Economic Hardship Forbearance Programs: Some private lenders may offer deferment or forbearance programs. They’re available if you may experience unemployment or economic hardships. The Citizen’s Bank Student Loan offers deferment options. They may defer interest and payments for 6 months after graduation.

What Other Options May Help Pay for College?

You may try to pursue other financial aid options. Grants and scholarships typically do not need you to pay back the funds if you graduate. Yet, certain grants, such as a Pell Grant, may need repayment if you drop out of college. Other options may include:

  • Waiting to go to college until after finding a job
  • Placing the extra money into a savings bank account until you have enough for college
  • Obtaining a part time job, either online or at a brick and mortar establishment

The pandemic has caused increased economic uncertainty on a global scale. Many students are reconsidering their career options right now. You may select the loan options that best fit your current job goals. Then you could receive the desired degree at a great college.

 

FAFSA: Parent and Student Assets

FAFSA: Parent and Student Assets

Reporting Assets on the FAFSA

The FAFSA requires you complete sections regarding your family’s assets and net worth of investments. Many families are confused about what they should and should not include when responding to these questions. Here’s a simple breakdown of what you should and should not include.

What are Student Assets on FAFSA? What are Parent Assets on FAFSA?

Cash, Savings & Checking Account Balances

When asked to list your (and your spouse if applicable) and your parents’ (if applicable) current cash, savings, and checking account balances…DO respond with the combined amounts as of the date you are filing the FAFSA.  These cover parents assets on FAFSA. 

They ask you to report cash because some families actually keep sizable amounts of cash in safe deposit boxes or otherwise outside of banks.

Is a CD Considered Savings for FAFSA?

Yes, a certificate of deposit (CD) is considered a reportable asset on the FAFSA. Since CDs are liquid financial assets, they must be included under the “net worth of investments” section. When reporting, the value of a CD should reflect its current balance as of the FAFSA filing date.

Net Worth of Investments – Considered Assets

This is where the FAFSA gets tricky and sometimes confusing. DO include the following investments:

  • Real estate other than the home you live in
  • UGMA and UTMA accounts
  • Money market funds
  • Mutual funds
  • Certificates of deposit (CD’s)
  • Stocks
  • Stock options
  • Bonds
  • Other securities
  • Installment and land sale contracts including mortgages held
  • Commodities investments (gold, silver, etc)
  • Qualified educational benefits or education savings accounts such as Coverdell savings accounts, 529 college savings plans, the refund value of 529 prepaid tuition plans

DON’T include these investments as assets on the FAFSA:

  • The equity available in the home you live in
  • The value of life insurance
  • The value of retirement plans such as 401k plans, pension funds, annuities, non-education IRAs, Keogh plans, UGMA and UTMA accounts for which you are the custodian but not the owner

You will also be asked about the value of your businesses and investment farms. Business and/or investment farm value includes the market value of land, buildings, machinery, equipment, inventory, etc. However, business/farm value does not include the value of a small business your family owns and controls more than 50% if that business has fewer than 100 full time or full time equivalent employees.

Also, the value of a family farm does not include a family farm you (your spouse and/or your parents) live on and operate.

Remember also that the FAFSA is asking for net worth of investments–the value of the investments minus any debt owed against them. Debt here means only debt owed against a particular investment or in the case of a business or farm where the business/farm was used as collateral to secure the debt.

 

36 Companies That Pay For College

pay for college student loan

Looking for Jobs That Pay for College?

One of the perfect ways to pay for college is to find companies with tuition reimbursement. This has never been more important than now, with college costs on the rise. According to the National Center for Education Statistics, for the 2022 to 2023 academic year, average undergraduate tuition, fees, room, and board was $13,800 at public colleges and $58,600 at private nonprofit colleges!

As luck would have it, there are quite a few companies that pay for college. They offer tuition assistance programs (TAPs) or tuition reimbursement as an employee benefit. Why would they offer such a lucrative perk to someone working? It’s really quite simple.

Many employers understand that this type of incentive may tempt you to work for and stay longer with the company. We know we’d feel loyal if someone gave us $12,000 for college. Wouldn’t you? If you have to work while going to school, consider looking into jobs that will help pay for college.

What is Tuition Reimbursement?

Tuition reimbursement is an employee benefit like healthcare, 401K and paid time off. It means a company “pays you back” or reimburses eligible employees a certain amount towards the cost of tuition.

Since the amount may not cover all higher education costs, another term for this type of program is tuition assistance. Also it is not part of your normal salary. But some companies set these funds aside to help their employees pay for college tuition.

There is no cap to the amount of an educational benefit. However, the IRS requires you to pay tax on the amount if over $5,250 as of 2021. Your employer then has to list the benefit as part of your income unless the amount is less than $5,250. As a result, many employers use this amount as a maximum payout.

How does Company Tuition Reimbursement Work?

Each company’s tuition reimbursement program may be different. It tends to reflect their human resource policies, company size and industry. It typically works by the employee paying upfront for their college classes. Then the employer may reimburse partial or full amounts when you complete the class or semester.

Smaller companies may offer to pay for college related to a salaried employee’s current job. So let’s stay you work in finance. Your company might only pay for the college credits needed for you to earn a CFA certification.

In comparison, larger companies that pay for college’s full tuition may be a great option. These programs pay for the four year tuition of an undergraduate degree or a graduate degree such as an MBA. Because many students work while at school, an online college degree may also qualify.

If a company does agree to pay up front there may be some fine print. For instance, if you fail or quit, your benefit may turn into a loan which you have to repay.

36 COMPANIES THAT PAY FOR COLLEGE

Check out these well known companies and their jobs that will pay for college.

1. UPS

Part time employees of UPS are eligible to receive up to $5,250 in tuition assistance per year, up to a lifetime maximum of $25,000. Eligibility begins on the date of hire. Also, many full time UPS employees started at the company as part time or non manager employees, including managers and executives!

2. PUBLIX

According to the company’s website, Publix reimburses the cost of college classes, technical training and online programs. Whether an undergraduate or graduate degree. The program is available to all associates. Any associate with at least six months of continuous service, and who works an average of 10 hours per week is eligible. Associates enrolled in a four year college may receive up to $4,000 annually, with a lifetime limit of $16,000.

Associates enrolled in undergraduate courses at a two year community college, technical program or individual course program may be reimbursed up to $2,200 annually, with a lifetime limit of $4,400.

3. WELLS FARGO

Wells Fargo offers several scholarships to children of employees, ranging from $1,000 to $3,000 each. They also offer their employees up to $5,000 in reimbursement annually, for eligible tuition expenses.

4. SMUCKERS

Employees may be eligible for reimbursement of tuition costs for Company- approved college courses. In addition to that, they offer a scholarship program for children of employees. And also a lifetime supply of delicious strawberry jam! (ok we made up that last part…)

5. COMCAST

Comcast offers an Education Assistance Program. However, few details are available on their website.

6. STARBUCKS

Employees based in the U.S. working an average of 20 hours per week at any company operated store and who do not yet have a bachelor’s degree are eligible for the Starbucks College Achievement Plan.

Introduced in June 2014, in partnership with Arizona State University (ASU) this opportunity offers all eligible U.S. partners (employees) to earn their college degree with full tuition coverage. Employees may pursue ASU’s online degree programs for undergraduates.

7. VERIZON

All regular full and part time domestic Associates who work at least 17 hours per week may be eligible for tuition assistance at Verizon from their date of hire. Associates must be on the active payroll and not on a leave of absence when the course begins. They also have to stay on the payroll for the duration of the course. The job and location factor into your pay and benefits.

8. BANK OF AMERICA

Tuition repayment is available from the Bank of America. However there are few details on the website.

9. BEST BUY

BestBuy offers tuition assistance and discounts. Eligibility for these perks depends on work status, length of service and position within the company.

10. DISNEY

Disney offers 100% of tuition paid upfront at Disney Aspire network schools. The benefit applies to full and part time hourly employees.

11. Home Depot

If you like to do home improvement work, one of the companies that pay for college might include working at Home Depot. The company budgets $6,000 tuition assistance per year for qualifying full time associates, $3,000 per year if part time and $2,500 per year for immediate family members.

Home Depot selected Bellevue University to partner with them in this program. The university agreed to allow employees to defer payment to them until after they receive your education assistance. The school also allows those in the program to transfer in eligible college credits with no fee.

12. AT&T

AT&T employees may receive payback for approved education costs with the company’s tuition assistance plan.

13. WALMART

Wal-Mart partners with Guild Education to offer eligible associates a choice of flexible, online education programs from schools through their education benefit, Live Better U. For what equals $1 a day (or less!), eligible associates may get their high school diploma or earn a college degree. One may also study to prep for ACT and SAT classes, learn a language, or earn college credits with College Start.

14. CHIPOTLE

Through the program with Guild Education, Chipotle employees may pursue undergraduate or graduate degrees, take college courses, earn a GED, or study English as a second language. At last check, the company offered up to $5,250 per year.

15. AMAZON

For eligible employees, Amazon may pay up to 95% of tuition and fees (up to a yearly maximum) towards a certificate or diploma in qualified fields of study, leading to a great career path.

16. MCDONALD’S

The fast food chain is not to be left out with it’s ‘Archways to Opportunity TM’ program. It aims to help anyone who works at a company owned or independently franchised restaurant. Programs are available to McDonald’s employees and the employees of independent franchisees. Student/employees may also improve English skills, work to earn a high school diploma (online too!) or college degree.

17. TARGET

Target is another of the larger companies that offer tuition assistance. If you’re eligible, the company may help pay for job related courses at an accredited college, technical school, or university. The annual max they reimburse reflects the type of coursework you enroll in. Other benefits include a GED reimbursement program and student loan refinancing.

18. APPLE

There’s an Apple University so it’s no surprise the company also covers some eligible formal education. As far as the eye can see the education must relate to advancing your career at Apple. Then, the company says it reimburses you for certain educational expenses, including tuition.

19. ORACLE

Oracle reimburses tuition fees up to $5,250 per calendar year for approved programs of study. Management approval is required.

20. RAYTHEON TECHNOLOGIES

Raytheon has interests in Intelligence, space, and defense. The company offers educational assistance for approved courses or degree programs and certifications geared to enhance skills.

21. FIDELITY

Fidelity offers student loan assistance as well as reimbursement on tuition.  According to Glassdoor, the company supports associates in pursuing a part time course of study toward a certain work related degree or certificate program.

22. PROCTOR AND GAMBLE

P&G offers a reimbursement plan. It allows full time employees to seek continuing education courses or programs related to their current or potential next assignment within the company.

23. DELOITTE

Deloitte offers a Graduate School Assistance Program (GSAP). It aims to send “high performing” consulting professionals to graduate school. GSAP participants receive full tuition reimbursement after two years of employment at Deloitte following graduate school. Once a graduate, Deloitte offers participants the option to return to the company as Senior Consultants. The program also provides a technology allowance after students leave grad school. And, the company negotiates discounts for grad school entrance exam prep classes as well.

24. BP

BP offers an Educational Assistance Program. It aims to assist employees in taking advantage of studies that will benefit both the employee and the company. Although the company may provide these benefits, it makes no commitment to promote, transfer or increase salaries by doing so.

25. FedEX 

FedEX subsidizes tuition for eligible employees. The program helps pay for higher education if it aims to help the employee advance within the company.

26. LOWE’S

At Loewe’s, all regular employees are eligible to take part in the tuition reimbursement program after one year of work. Courses that count as eligible include core classes and electives required to attain a degree. The degree can be an associate, bachelor, masters or doctoral degree from an accredited school.

Both associate and bachelor’s degree programs may be in any major. But the company restricts master’s/doctoral degrees to topics that aim to prep the employee to advance within the company.

27. CVS

CVS’ Total Rewards program aims to help employees improve and keep fit and healthy. Their website does not provide too many details but does say they offer Educational support.

28. CHICK-FIL-A

Each year, Chick-fil-A awards two types of scholarships to qualifying restaurant Team Members. They are True Inspiration Scholarships ($25,000) and Leadership Scholarships ($2,500). In 2020, 6,700 Chick-fil-A Team Members across 47 states (plus D.C. and Canada) received scholarships, totaling $17 million per the company’s website.

Recipients may use the funds at any accredited two or four year college, university, or technical/vocational school. The company also has a network of colleges and universities that offer discounts.

29. CARMAX

Carmax pays for eligible tuition expenses. That means you need pre approval and to study at an accredited school. All associates (even if on commission) may qualify to use the program.

30. JetBlue

JetBlue Scholars is the airline’s program of college assistance. Students can get credit for courses completed at other colleges, licenses and certifications, and even on the job experience, including JetBlue training. Student employees may take approved courses online for college credit that the company pays for. You also take the final semester online at a JetBlue partner school. Scholarships may be available for those who qualify.

As of 2019, the company planned to add the JetBlue Scholars Master’s Pathways. This program partnered with select schools who offer online graduate programs. It also would allow crew members to pursue a master’s degree.

31. CHEVRON

At Chevron, if you’re eligible to receive a severance pay benefit, you may also take part in the SESP Educational Assistance Program. This program offers reimbursement of up to 75% of the cost of tuition. It also covers learning platform subscription, required books and fees (up to a total of $5,000) for courses and training to help you prepare for other job opportunities as part of your career transition. Also, the coursework does not have to relate to your job at Chevron.

32. QUALCOMM

One of the benefits of Qualcomm United States is tuition help. The company reimburses up to $5,250 per calendar year for tuition, books and parking for courses that count toward continued education. This includes certification, an associate or bachelor’s. Qualcomm may cover up to $10,125 toward a graduate degree. To access the benefit, an employee must work at least 40 hours/week, be active and get both the courses and school pre approved.

33. BAXTER

Baxter’s Educational Assistance Program invests in employee growth by reimbursing up to $5,250 per year for undergraduate courses at accredited colleges. A separate TAP, that requires management approval, provides funds for graduate courses.  The company (through it’s giving arm) also runs a merit scholarship program. It provides scholarships for post high school education for children of Baxter employees around the globe.

34. PAPA JOHN’S

Papa John’s partners with Purdue Global to offer all corporate members, after working 90 days and averaging 20+ hours per week. They reimburse 100% of tuition if you earn a degree online.

35. EILEEN FISHER

Clothing brand Eileen Fisher offers Wellness and Education Reimbursement Programs. On the wellness side, they cover a range of products and services like massage. And on the education side, classes, including yoga teacher training, photography, mindfulness retreats, jewelry making and languages.

36. GAP INC.

The Gap Inc. requires employees to apply for their tuition benefit. One of the terms of the program is that within 90 days of of the course(s) end date, the employee must show grades and proof of completion. Otherwise, they become responsible to pay the cost.

Why Do Companies Pay for College?

Jobs that pay for college want to keep employee turnover low and also motivate staff with a full benefits package. Turnover may cost a company to recruit and train as well as potentially cause a slowdown in productivity.

The thinking is that a TAP program may tempt employees to stay longer with the company that pays for college. At the same time, having the benefit may make a company appealing to new hires.  Another reason is to also ensure employees have current skills that meet the need of the day. This in turn may save the company money by allowing them to promote from within.

 

How Do You Ask Your Employer to Pay for College?

If the company you work for does not pay for college, you might have to ask and discuss the benefits. Here are a few tips how to ask your job or companies that pay for college.

1. Be reliable 

There’s no sense asking for a benefit without a proven track record. Show up on time, communicate and grow trust so that the company values you and wants to retain you.

2. Look for online options

Employers may worry that the demands of school may shrink your ability to do your job well. Look for weekend and online programs that won’t interfere in your workday.

Figuring out the degree/courses/skills you want your employer to pay for is something to do ahead of time. Then you can present this data to them, showing how and what you want to bring to the table to help the company reach its goals too.

3. Do your research first

Go into your meeting prepared with all the reasons your employer could benefit from your college education too. You may learn how to lead better, do more technical work, and also understand the latest trends and research, etc.

4. Calculate the return on education

You should show the benefit of what the company may get out of investing in your education. You may show how the courses could help you be more effective in your work. Also, gaining new and enhanced skills could contribute to your current job.

5. Pledge loyalty

A company is not going to invest in you if they think you might not stay on the job after earning your new degree. Make sure you understand the corporate structure as well as tell your employer what job within the organization you are pursuing.

6. Stay practical

If you sense your employer may be receptive, stay practical about school choice. In other words, you might want to suggest a certificate program or in state public 4 year vs a private school.

7. Be ready to sign a contract

Companies that pay for college often have extensive terms and conditions in their contract. Also, you may have to sign a contract if you use corporate funds for your studies. Read the fine print, negotiate and address your concerns before you sign on the dotted line.

 

The Psychology of Lying

Even the most honest person has probably lied at least once in her or his lifetime. Sometimes lying feels justified and harmless—we call them “little white lies.” Sometimes lying feels necessary in order to keep the peace between a spouse, friend, or family member.

Psychology of Lying - Infographic

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But as evident in any headline-making scandal, lies may be damaging and have been known to ruin marriages, friendships, and careers. Let’s examine the psychology behind lying: who lies, what we lie about, and why we lie.

Who Lies?

It’s not necessarily clear from research the prevalence of lying. Some studies show that we all lie, and we lie nearly every day. Others conclude that the majority of people are essentially honest—they don’t lie at all, or they don’t lie all that much.

Studying lying isn’t necessarily easy. Many such studies involve having people keep a diary of when they lie over a certain period of time. But there’s no way to tell whether people are being honest in their self-reporting—and people who lie might lie about whether they do and how often they do it.

However, some general trends have emerged about who lies.

What Do We Lie About?

People lie about all kinds of things, depending on who they are lying to. A common lie that both women and men use is “I’m fine.” But there are some differences between the lies men and women make.

Men have admitted to lying about their whereabouts (“I’m stuck in traffic” / “I’m on the way”), a partner’s appearance (“No, your butt doesn’t look big in that”), and gifts they’ve received (“It’s just what I’ve always wanted!”).

Women also lie about gifts they receive, but also about feeling ill (“I have a headache”) and about finances (“It wasn’t that expensive”). It seems that when a man or woman thinks that the truth will make their partner angry, they lie about what they find to be harmless.

 

Why We Lie

Psychologist Robert Feldman has spent many years studying lying. His research showed that when people felt their self-esteem was threatening, they began to lie at higher levels.

Feldman also found that women often have different motives for lying than men, observing:

“Women were more likely to lie to make the person they were talking to feel good, while men lied most often to make themselves look better.”

—Psychologist Robert Feldman

People lie in relationships for a number of reasons.

  • Fear of disappointing or angering their partner
  • To avoid conflict
  • To cover up bad behavior
  • They don’t want to hurt their partner’s feelings
  • For the thrill of it

Keep a lie journal for a week. Write down every lie you tell, who you told it to, and then, delve into the psychology of why you felt compelled to tell it. After that, if you’re hungry for more psychology knowledge, you can search for a psychology program that fits in with your life!

Sources

http://www.blifaloo.com/info/lying-why.php https://time.com/4805380/lying-telling-the-truth/ https://www.ambitionsaba.com/resources/how-often-do-people-lie https://www.uab.edu/news/research/item/12398-new-research-shows-most-people-are-honest-except-for-a-few https://www.psychologytoday.com/us/blog/questions-character/202211/are-most-people-liars https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8982912/#:~:text=A%20meta%2Danalysis%20on%20honesty,4%25%20more%20deceptive%20than%20women. https://www.goldenstepsaba.com/resources/lying-statistics https://huckleberrycare.com/blog/age-by-age-guide-to-lying https://www.rochester.edu/newscenter/when-do-teens-lie-to-their-parents-and-when-do-they-tell-the-truth-574982/ https://www.psychologytoday.com/us/blog/the-nature-of-deception/202303/psychopaths-and-pathological-lying http://smg.media.mit.edu/library/DePauloEtAl.LyingEveryday-Life.pdf http://smg.media.mit.edu/library/DePaulo.ManyFacesOfLies.pdf http://cbsnews.com/news/science-proves-it-men-lie-more-than-women/ http://condor.depaul.edu/tcole/lying.pdf

How to Earn Credit for College with Life Experience

I went to the school of hard knocks. Life is the best teacher. You may have heard these adages before, and there is some truth in them. Many of us do learn from life experiences. While the learning may not always be welcomed at first, we may look back and see how much we’ve grown. We might even be amazed at the knowledge we gleaned—even if the process was filled with potholes. What if you could use those life experiences and turn them into college credits via a “life experience” degree program?

With many nontraditional students returning to college—single moms, professionals seeking new career paths, full-time employees who want to finish their undergrad work—new challenges arise. Trying to juggle family life, work, and earning an online degree isn’t easy. However, if you could transform certain life experiences into legitimate, academic credits that would be accepted by quality, accredited colleges, you may find yourself inspired and motivated to earn that Bachelor’s or Master’s degree you have your heart set on.

College Credit

Credit for Prior Learning (CPL) and Prior Learning Assessment (PLA)

Life experience programs involve Credit for Prior Learning (CPL) and Prior Learning Assessment (PLA). These are educational concepts designed to recognize and give credit for the knowledge and skills that individuals have acquired outside of traditional academic settings. These mechanisms provide a means for learners to demonstrate their proficiency in specific subject areas and potentially earn college credits for their prior experiences.

Credit for Prior Learning (CPL) generally refers to the broader concept of recognizing various types of prior learning, including knowledge gained through work experience, military training, certifications, and self-directed study. It acknowledges that learning occurs in diverse settings and not solely within the traditional classroom environment.

Prior Learning Assessment (PLA) is a specific process within CPL that involves assessing and validating an individual’s prior learning to determine its equivalency to college-level learning. PLA methods may include examinations, portfolios, interviews, or demonstrations of skills. The goal is to evaluate and quantify the knowledge and competencies a person has acquired outside of formal academic courses.

Both CPL and PLA aim to support adult learners, non-traditional students, and those with significant life or work experiences in gaining academic recognition for their existing knowledge and skills. These approaches contribute to a more flexible and inclusive educational system by allowing individuals to accelerate their degree completion, reduce the time and cost of education, and align their academic journey with their real-world experiences.

Self-Assessment

What questions should you ask yourself to determine if earning college credit for life experience is right for you?

  • Is my knowledge up-to-date?
  • Is my learning similar to a certain class described in my college’s course catalog?
  • Does my learning correlate to the subject or major I will be studying at my university?
  • Do I understand the ideologies behind what I have done as well as the concrete steps I took to gain my life experience?

If you answered “yes” to the above questions, participating in a life experience degree program may be an option for you. Of course, only certain online colleges and universities offer these programs, so you should check with the college you are interested in to ensure they have such a program and that they will accept your life credits.

Ways to Turn Life Experience into College Credit

1. Standardized national exams You could earn college credit for your work experiences by taking a standardized national exam in an area that relates to the skills and knowledge you acquired through your work or other life experiences. Two such exams include:

Portfolio

Prepare a portfolio that documents your life experiences, achievements, and skills relevant to the courses or subjects you are seeking credit for. Include resumes, certificates, transcripts from non-academic training programs, and any other relevant documents.

Military experience Using military experience for college credit is a common practice, and many institutions have policies in place to recognize the skills and knowledge gained during military service.

Start by obtaining your military transcripts, such as the Joint Services Transcript (JST) for the Army, Navy, Marine Corps, and Coast Guard or the Community College of the Air Force (CCAF) transcript for the Air Force. These transcripts outline your military training and experience. Then check out the American Council on Education (ACE). This organization provides recommendations on how military training and experience may be equivalent to college-level credit.

Competency-based education (CBE)

Competency-Based Education (CBE) is an educational approach that focuses on learners’ mastery of specific skills and knowledge rather than traditional time-based structures. In CBE programs, students advance upon demonstrating their proficiency in the subject matter, allowing for a more flexible and personalized learning experience. They could skip units or sections of courses that cover what they already know. Look for colleges that offer CBE programs. Once you are in a program, you may be tested to assess your current knowledge.

Work experience through corporate training

Some institutions have procedures in place for evaluating and granting credit for corporate training. The American Council on Education Learning Evaluations helps colleges determine which college credits to offer in exchange for these types of programs. 

Conclusion

You may look around you at work and realize that you know more about your job than your co-workers with college degrees. If so, you should consider earning credits for your life experiences and check into college life experience programs that you might enroll in. It’s never too late to earn your degree. With so many flexible, online, college degree programs, you should have many options for finding a program for you that works for you! 

 

Making Networking Work for You 2025

It’s not enough to simply send out your resume and hope for offers to come your way. In today’s job market, knowing someone could be the best way to get your foot in the door. The key is to connect with contacts who are relevant to your industry—and the type of career you’re pursuing. Luckily, there are plenty of solid strategies to help you cultivate a professional network and open up potential career opportunities.

When to Start Networking

The sooner you start networking, the better. In fact, a good time to take advantage of networking opportunities is while you’re still in school. That’s because you are likely surrounded by large pools of people who are interested in pursuing careers in related fields and by professors who could be invaluable sources for building new professional contacts.

In addition, if your school offers clubs or groups related to your industry of choice, joining one or more of them might be a great way to practice your business networking skills. Another option is to volunteer or intern at a company that’s relevant to your career goals—you could make connections with people in your industry who might eventually lead you to a job opportunity once you graduate.

How to network

The first step to networking successfully almost always begins with striking up conversations with strangers. There’s no getting around it. Often the hardest part is making that first contact—an easy way to do that is to jump in and introducing yourself. Then, it’s time to find common ground and learn more about the person by asking questions. You’d be surprised to find how much people enjoy talking about themselves if you give them the chance!

However, it’s not enough to just meet new people. You have to maintain relationships if you’re looking to build potential resources for future employment searches.

Networking Tips

10 important networking tips

Now that you’re more familiar with how to network, it’s time to explore some strategies to become more effective at it. Some of these tips may seem obvious, but it’s easy to throw them by the wayside when you’re actually in conversation.

1. Be yourself

Many people can spot a phony, so be authentic. Show your true self rather than trying to put on a front to impress others. And don’t be afraid to add some humor into the conversation to lighten things up.

2. Be aware of your body language

It’s important that you appear open and confident in your body language. That means keeping your arms uncrossed, making direct eye contact, and, of course, giving off positive vibes with a genuine smile.

3. Be an active listener

Being a good listener entails really paying attention to what people are saying rather than just thinking about how you might respond. A good tip to try is to repeat the other person’s point in your own words. This shows that you are listening and that you understand what they are saying.

4. Never dismiss anyone as “unimportant”

A big mistake people often make is to write off others before getting to know them. You never know who could introduce you to your next boss—or be your next boss.

5. Connect the dots

A huge part of being a successful networker is to help other people connect, even if there’s nothing that is obviously in it for you. It’s important to be a giver and not a taker. In other words, leave your personal agenda at the door. If you go into conversations only thinking about what you might get from the other person, you’re doomed to fail.

6. Ask for introductions

One of the best ways to connect with important people is to be introduced by someone that they already trust—so don’t be afraid to ask. You have nothing to lose!

7. Follow up without being pushy

It’s always a good idea to follow up with a timely email—or even a chat on the phone. Just be wary of coming off as too desperate if you aren’t able to connect initially. Give the person time to respond on their own terms.

8. Stay connected

If you get a referral from one of your contacts, make sure to keep in touch about how the new connection is going. This could show your appreciation for the introduction typically help make it more likely that the referrals will continue.

9. Build a strong online presence

Tapping into online networking resources is pretty much a must in this digital age. Construct a professional and comprehensive LinkedIn profile with a compelling headline and a high-quality profile picture. Don’t just passively wait for others to see your profile—post industry-relevant content on your LinkedIn feed, engage with other’s content, participate in LinkedIn groups, and make sure to keep your profile up to date.

Consider engaging in other social media platforms as well. There are hundreds of them out there, and some are particularly relevant to specific industries. For example, platforms such as Instagram, Behance, Pinterest, or Tumblr could be particularly beneficial for those in the visual arts. Software developers might check out Stack Overflow or Find Nerd.

10. Be aware of your digital image

Review all your current social media profiles to ensure they don’t include anything inappropriate or offensive—some employers check social media sites as part of their screening process. Also, Google yourself frequently to see the kinds of results that are generated.

It’s understandable that putting yourself out there might feel intimidating. But building both your professional and social contacts could be a great way to expose yourself to people who could help further your career ambitions. Being comfortable and confident in your interactions with others is also a skill that could take you far in business, regardless of whether or not you’re looking for new job opportunities. So get yourself out there and remember to pay it forward!

 

Ready to go back to work? A 7-Step Plan for Stay at Home Moms

Stay at Home Moms

Making the decision to go back to work could be an exciting—and scary—prospect for stay at home moms. There may be many things to consider, such as your schedule, childcare options, and whether or not you have support systems in place to make things work. Your biggest hurdle might be a lack of confidence in your skills and abilities, but keep in mind that in your role as a mom you work hard every day – and are building skills that could be applied in the workforce!

Whether you’ve been a stay at home mom for one year or ten, there are actionable steps you could take now to increase your chances of successfully returning to your career. Follow our 7-step plan to help prepare you for your comeback in the career world!

7 Steps for Stay At Home Moms

1. Assess and update your skills

It’s time to get real and ask yourself some questions. What are your interests? Where are your strengths? What’s your relevant experience in your desired field? One great way to get yourself updated on the current job market could be to look at job descriptions in your areas of interest and pay attention to the desired qualifications. With the rapidly changing advancements and technologies across almost every industry, realistically, you’ll probably need to brush up on your skills. And that’s! It’s just a matter of figuring out an effective way to do that—whether it be taking a class, getting certified, or earning a degree.

You might also consult the Occupational Outlook Handbook from the Bureau of Labor Statistics (BLS). You’ll find job descriptions for hundreds of jobs, as well as typical salaries and job projections.

2. Spread the word

One way of increasing your chances of getting back to work might be to let people know you’re looking. That means updating your social media profiles and making everyone aware of your job search. If you’re not already on LinkedIn, it’s time to create a profile ASAP. Once you’re set up, ask friends and past co-workers or bosses to write recommendations for you, and—whenever possible—reach out and ask for introductions to people at companies you’re interested in. You could also join online professional groups to help build your contact list. And don’t discount more traditional forms of networking, such as reaching out to your contacts—including other stay at home moms—by phone or attending networking events. The important thing is to get out there, because you never know who you might meet!

3. Update your resume

It’s time for the task that strikes fear in the heart of many people—updating your resume. But it doesn’t have to be scary! Creating an effective resume could be critical if you want to sell yourself to potential employers. Start by figuring out how you might fill in your employment gap with relevant skills and experience you’ve acquired during your time as a stay at home mom.

A good way to do that may be to create a “functional resume” focusing on your skills and abilities, rather than simply your chronological work history. For example, were you a fundraising superstar for your child’s school? Did you serve as a member of the PTA or head of a Board? Or maybe you are involved in local politics or committees. These are activities that you could include on your resume under “relevant experience.” Just make sure you outline your responsibilities as they relate to your field. And to that point, it’s usually a good idea to customize your resume to the specific job you’re applying for, whenever possible.

4. Consider volunteering

It may seem counterintuitive to focus on volunteering when your main goal is getting back to work. However, putting in the effort to volunteer in your industry could be a great way to get your foot in the door, and it may pay off in the long run. That’s because volunteering could provide the opportunity to refresh your experience and gain new skills in your field. It shows that you are motivated and proactive,; and it could help you build relevant contacts who may serve as references, introduce you to potential job opportunities, or even decide to bring you on with the company. We know that you’re probably busy balancing your responsibilities at home with your job search, but if you could make the time, you’ve got nothing to lose.

5. Set realistic salary goals

Part of the planning process for going back to work involves figuring out what your desired salary range. This may be tough, especially if you’ve been out of the workforce for a long time. It could also be tempting to underestimate what you’re worth, so try not to fall into that trap. Consider your family’s budget—including childcare costs—and what you realistically need to earn to keep things afloat. To help give you an idea of what people in your desired occupations are earning you could consult the Bureau of Labor Statics (BLS) to find median salaries as well as even job projection data. Remember that you may have to take less money than you’d like to get the position you want, but that doesn’t mean you couldn’t earn more once you’ve built up your experience.

6. Practice interviewing

What’s one of the best ways to get good at interviewing? Practice, practice, practice! It’s time to enlist the help of your friends and family, to pose as potential employers in mock-up interviews. The more you rehearse, the more comfortable—and confident—you might be once it’s time for the real thing. To get you started, here are some sample questions to think about:

  • Why do you think you’re ready to go back to work now?
  • What’s a recent difficult problem you’ve faced, and how did you handle it?
  • Do you prefer to work alone or with others?
  • Can you describe your ideal boss?
  • What makes you a good fit for this position?
  • Where do you see yourself in five years?

One more thing to remember when you land an interview is to do your research beforehand. You should be very familiar with who the company is, what they do, and who they serve. And be ready with some questions of your own to show that you’re prepared and are taking the position seriously.

7. Work with a professional

Sometimes it just makes sense to go with an expert. Whether you need help re-working your resume and cover letter, or finding the right type of job for your skills and experience, there’s likely a professional out there who could help you out. You may be surprised to find how many people make a career out of helping others get their dream job. So, there’s no reason to feel hesitant about hiring a career coach or resume writer. Just make sure you do your research, so you get someone who’s been well- vetted by others.

Another avenue to consider is working with a recruiter, whose job it is to place the people with a company that could be a good fit. What you’ll likely need to do is meet with the recruiter (with your updated resume!) and go over your skills, experience, and goals so that they could keep you in mind when relevant positions come up.

Conclusion

Going back to work could be a major life change, and you should be proud that you’re taking that leap. In addition to following the seven steps we outlined above, you could help make the transition more seamless by focusing on how you might enhance your skills and qualifications to attract potential employers. One great way to boost your credentials could be to further your education by pursuing a degree. And when you study online, you’ll typically have the flexibility to do it on your own time—and from the comfort of your home.

 

Santa Claus Is Coming to Town…

‘Tis the season to be jolly, and what better way to kick off the festivities than by delving into the mystery behind the man with the magical belly that shakes like a bowl full of jelly? So buckle up, because we’re about to dive deep into the holly-jolly world of Santa Claus—the guy who somehow manages to visit every house in the world in one night.

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10 Fun Facts About Santa Claus

  1. He’s based on a Greek bishop named St. Nicholas, who lived in what is now Turkey in the third century A.D.
  2. He delivers gifts to children at a rate of about 22 million children per hour.
  3. You can “track” his Christmas Eve journey using Google’s Santa Tracker or NORAD (North American Aerospace Defense Command).
  4. He was awarded a pilot’s license by the Assistant Secretary of Commerce in 1927.
  5. There is a Santa University in Colorado where people study how to be Santa.
  6. A U.S. town is named after him: Santa Claus, Indiana.
  7. The average age that children in the U.S. stop believing in him is about 8–81/2.
  8. In a popular song in Australia, his sleigh is pulled by six big kangaroos—”boomers” (you can listen to the song here).
  9. He gets the most letters from France.
  10. In some countries children leave Santa Claus alcohol such as sherry and beer.

The History of Santa Claus

The figure of Santa Claus has a rich and diverse history that has evolved over centuries, blending various cultural influences. The modern portrayal of Santa Claus is often traced back to the legendary figure of Saint Nicholas, a Christian bishop who lived in the 4th century in Myra, which is present-day Turkey. Saint Nicholas was known for his piety, acts of kindness, generosity, and gift-giving.

So how did a bishop in Turkey morph into a jolly old man with a penchant for red velvet suits and a long, white bear? It is widely believed that the Dutch settlers brought the tradition of Saint Nicholas, or “Sinterklaas” in Dutch, to America, where his name was translated to Santa Claus. However, there were numerous changes from Santa’s arrival in the New World in the 1600s to Santa as we know him today.

Author Washington Irving was a major force in popularizing Santa Claus in America. In 1809, he wrote a book, The History of New York, where he reinvented Saint Nicholas from a tall, somber saint to a short, stout, merry, pipe-smoking Dutchman, dressed in traditional colonial attire.

The transformation of Santa Claus gained momentum in the 19th century in the United States. Clement Thomas Moore’s poem “Account of a Visit from St. Nicholas” (commonly known as “The Night Before Christmas”), published in 1823, further elaborated on the character of Santa Claus—his poem describes Santa driving a sleigh pulled by reindeer, landing on rooftops and carrying his sack down the chimney.

The popularization of this imagery was further enhanced by advertising. For example, in Coca-Cola Company’s advertising campaigns in the 1930s, the company’s artist, Haddon Sundblom, created illustrations of Santa Claus enjoying Coca-Cola, helping to shape the modern and universally recognized image of Santa.

 

Nice Guy or Disciplinarian?

If Santa started out as a humble, self-sacrificng, bishop, how did he wind up being the keeper of the naughty list, doling out punishments to children who aren’t up to snuff?

While we can’t be sure, there are a number of cultural influences that may be responsible.

Krampus

In the shadowy corners of Alpine folklore, there lurks a character who embodies the darker, more mischievous side of Christmas cheer. Meet Krampus, jolly old St. Nick’s evil sidekick.

The tale of Krampus dates back centuries, rooted in the Alpine regions of Europe, particularly in countries like Austria, Germany, and Hungary. He is often depicted as a horned, anthropomorphic creature with hooves, a long, pointed tongue, and sharp fangs. He is typically covered in fur and carries chains, bells, and a bundle of birch branches or a whip, which are used to swat naughty children. These days, Krampus has gone from being a feared creature to a cultural icon. In Alpine villages, folks dress up as Krampus for parades that are a delightful mix of spookiness and holiday cheer.

La Befana

La Befana is a legendary figure in Italian folklore, often referred to as the Italian Christmas Witch. The character of La Befana is associated with the celebration of Epiphany, which takes place on January 6th. Unlike the traditional image of Santa Claus, La Befana is depicted as an old woman with a hunchback, dressed in tattered clothing, and flying on a broomstick.

The folklore surrounding La Befana varies across different regions of Italy, but the most common story goes like this:

On their way to visit the baby Jesus, the Three Wise Men stopped to invite La Befana to join them. But she turned them down, claiming she had too much housework! Later, she had a change of heart and decided to find the baby Jesus, but it was too late. Now, every year, she goes house to house, leaving gifts for good kiddos and a bit of coal or dark candy for the troublemakers.

Père Noël and Le Père Fouettard

As with the Krampus tradition, in France Santa Claus has an evil counterpart, Le Père Fouettard.

Père Noël, the French counterpart to the universally recognized Santa Claus, emerges as the epitome of gift-giving elegance, traveling the world to bestow gifts on children who have been good. Conversely, Le Père Fouettard, translating to “Father Whipper” in English, deals with the naughty children. Originally depicted as a sinister butcher with a penchant for kidnapping children, Le Père Fouettard underwent a transformation when Père Noël intervened, repurposing his character as a disciplinarian rather than a malevolent figure. In this reimagined role, Le Père Fouettard administers symbolic whippings or dispenses lumps of coal to children found lacking in virtuous conduct.

Odin, the Norse God

It might seem odd—even blasphemous!—to associate a god with Santa Claus. But there are a number of similarities between Odin and St. Nicholas.

One notable parallel lies in the imagery associated with Odin during the Norse celebration of Yule. Odin, often referred to as the All-Father, was believed to have embarked on a mythical journey during the winter solstice, riding his eight-legged horse. This imagery of a wise, bearded figure on a magical journey shares similarities with the modern image of Santa Claus flying on his reindeer-led sleigh.

Additionally, Odin was associated with the act of gift-giving during the Yule season. The Norse tradition involved Odin delivering gifts to those who had been virtuous and punishments to those who had behaved poorly. The adoption of certain aspects of Odin’s mythology into the evolving folklore of Christmas likely occurred as a result of cultural exchanges and the assimilation of various traditions over time.

Other Santas Around the Globe

As the holiday season swings into gear, Santa’s getting ready for the ultimate worldwide sleigh ride. But guess what? Santa isn’t just a one-size-fits-all kinda guy. He’s got a passport, a bag full of cultural flair, and a whole bunch of alter egos, depending on where you are in the world.

We’ve already discussed traditions in which Santas has an evil twist. Here are some other unusual versions of the Yuletide’s Man of the Hour.

Tomte

Tomte isn’t your typical Santa Claus—he’s more like the cozy guardian of Christmas cheer. Picture a gnome-like figure with a long white beard, often dressed in traditional Swedish attire, and you’ve got the essence of Tomte. This mischievous but benevolent character is deeply rooted in Swedish folklore, and his presence is felt in homes across the country during the holiday season.

Joulupukki or Yule goat

Meet Joulupukki, the Finnish embodiment of Santa Claus. Unlike his globally recognized red-suited counterpart, Joulupukki sports a robe, often adorned in shades of blue or green. The name itself translates to “Yule Goat,” hinting at the magical partnership that defines the Finnish Christmas spirit.

In times past, Joulupukki wasn’t just a gift-giver; he had a mischievous edge. Children had to earn their presents by singing songs or reciting poems—a festive twist that adds an extra layer of charm to the Finnish holiday tradition. Enter the Yule Goat, a magical creature with roots in ancient pagan celebrations. In Nordic folklore, the Yule Goat was believed to roam from house to house, ensuring the holiday spirit was alive and well. Its origins trace back to times when people would dress as goat-like figures during winter festivities, bridging the gap between old and new traditions.

Tió de Nadal

As one of the most bizarre “Santas” on our holiday lineup, Tió de Nadal emerges as a wooden log sporting a cheerful smiley face that, believe it or not, engages in the unique act of “present defecation.”

Hailing from the Catalonian region of Spain, this endearing log finds its place beneath the Christmas tree, where children lovingly “feed” it a diet of nuts and dried fruit in the days leading up to Christmas. All the while, they ensure Tió de Nadal stays cozy under a snug blanket, treating it like an honorary member of the festive household.

When Christmas Eve arrives, children playfully wield sticks, giving poor Tió a friendly beating, all while chanting a spirited song that doesn’t shy away from mentioning bodily functions. The morning after, the little ones are in for a joyful surprise—Tió de Nadal has left behind a pile of gifts and sweets.

Conclusion

Congratulations, you are now most likely an very knowledgeable on Santa Claus! You’re sure to be a big hit at the next Christmas office party, as you regale your coworkers with all that you’ve learned about the big guy. You also probably have a greater cultural awareness about the hero of the Christmas season. And that’s a gift even Santa would approve of.

The Sexiest Careers for Men and Women

In 2016, the dating app Tinder published a list of the “sexiest careers” for both men and women. A second list was released in 2018. Their methodology was based on swipes—which careers were right-swiped (chosen) the most by men and women.

Since then, other reports have come out about the careers men and women find most desirable in the opposite sex. These were typically based on actual surveys.

We looked at Tinder’s two lists and three fairly current surveys to determine which careers were deemed sexiest across all of the lists. And…drum roll…here are the results!

Careers Men Find Most Desirable in Women

There were two careers that appeared in all five lists. The first may not surprise you, based on common stereotypes. Regarding the second—it’s nice to see teachers being appreciated!

  • Nurse
  • Teacher (middle school was specified on two lists)

A number of careers appeared on three lists. Several more stereotypes with the flight attendant and secretary. But some men DO appreciate brains as well!

  • Flight Attendant
  • Waitress
  • Bartender
  • Lawyer
  • Secretary
Tinder's Sexiest Careers Infographic

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Careers Women Find Most Desirable in Men

Three careers appeared on all five lists. Firefighter? What woman doesn’t dream of firefighters! They bravely risk their lives and are usually in good shape to boot. Sexy calendars have been made of them, after all. The other two professions are prestigious and powerful. (And, to be realistic, salary might also be a driving factor for these choices.)

  • Firefighter
  • Lawyer
  • Doctor (4 doctors and one Physician Assistant)

Two careers appeared on four of the lists, and they are as different as can be. Interestingly, I found one list that included the least desired jobs, and Police Officer was on it. Go figure…

  • Police Officer
  • Founder/Entrepreneur (one list specified CEO, but CEOs could also be founders and entrepreneurs)

And the following careers appeared on three of the lists. Once again, quite a range.

  • Pilot
  • Engineer
  • Builder/Construction   
  • Paramedic

Additional Observations

Do men and women want the same thing?

For the most part, women and men wanted different things in their partner. The only career that appeared on three or more lists for both men and women was Lawyer. (Perhaps all those bad lawyer jokes are misguided!) Teacher appeared on two of the lists for men and five of the lists for women. Beyond those two careers, however, there is no significant overlap.

What types of careers were women attracted to?

The careers they chose seem to be split between brawn and brains. Women also tend to like men in powerful careers, or careers which involve taking charge. Money could be a driving factor for some of the careers they chose—the median annual salary for the top nine careers women chose was about $97,000.

What types of careers were men attracted to?

Big salaries don’t seem to matter as much to men. While the median annual salary of the top 9 careers that women chose is about $97,000, for men’s choices it is about $68,000. Beyond that, men seem to be attracted to careers that involve taking care of and nurturing others. Powerful women in general might be a turnoff for them—only one occupation, Lawyer, is typically held by powerful women.

Some interesting or unexpected careers that women chose:

There were a number of unusual careers that popped up on women’s lists. For example, one list included Faith Leader and Father! ( “Father” isn’t actually a career, but it’s a sweet thought.) Two lists included Electrician, and another, Farmer.

Some interesting or unexpected careers that men chose:

Men tended to be a little more traditional in their preferences. However, I was somewhat surprised at two of the careers they chose—Dentist and IT Worker. I mean, who likes dentists? And IT Worker might conjure up a picture of a nerdy woman wearing glasses.

Career Information

Now that you have an idea of what career you should pursue to be considered sexy by the opposite sex, here is some information about them, including average salaries and education requirements. (Salary figures are from 2023.)

Lawyer


Median Annual Salary: $145,760

Typical Education Requirements: Undergrad degree + three years of law school

Registered Nurse


Median Annual Salary: $86,070

Typical Education Requirements: Bachelor’s degree, associate degree, or a diploma from an approved nursing program

Middle School Teacher


Median Annual Salary: $64,290

Typical Education Requirements: Bachelor’s degree

Firefighter


Median Annual Salary: $57,120

Typical Education Requirements: HS diploma and training in emergency medical services

Doctor


Median Annual Salary: $239,200

Typical Education Requirements: Bachelor’s degree + degree from medical school

Physician Assistant


Median Annual Salary: $130,020

Typical Education Requirements: Bachelor’s degree + experience in patient care

Police Officer/Detective


Median Annual Salary: $74,910

Typical Education Requirements: HS diploma, bachelor’s degree, graduation from training academy

Top Executive


Median Annual Salary: $103,840

Typical Education Requirements: Bachelor’s degree and experience

 

Sources

1https://www.bls.gov/ooh/legal/lawyers.htm#tab-12https://www.bls.gov/ooh/legal/lawyers.htm#tab-43https://www.bls.gov/ooh/healthcare/registered-nurses.htm#tab-14https://www.bls.gov/ooh/healthcare/registered-nurses.htm#tab-45https://www.bls.gov/ooh/education-training-and-library/middle-school-teachers.htm#tab-16https://www.bls.gov/ooh/education-training-and-library/middle-school-teachers.htm#tab-47https://www.bls.gov/ooh/transportation-and-material-moving/flight-attendants.htm#tab-18https://www.bls.gov/ooh/transportation-and-material-moving/flight-attendants.htm#tab-49https://www.bls.gov/ooh/protective-service/firefighters.htm#tab-110https://www.bls.gov/ooh/protective-service/firefighters.htm#tab-411https://www.bls.gov/ooh/healthcare/physicians-and-surgeons.htm#tab-112https://www.bls.gov/ooh/healthcare/physicians-and-surgeons.htm#tab-413https://www.bls.gov/ooh/healthcare/physician-assistants.htm#tab-114https://www.bls.gov/ooh/healthcare/physician-assistants.htm#tab-415https://www.bls.gov/ooh/protective-service/police-and-detectives.htm#tab-116https://www.bls.gov/ooh/protective-service/police-and-detectives.htm#tab-417https://www.bls.gov/ooh/management/top-executives.htm#tab-118https://www.bls.gov/ooh/management/top-executives.htm#tab-4

From Service to Student: An Infographic Overview of Military Students

Did you know that nearly half of the veterans who served September 2001 or later have a college degree? Earning a degree could be a great way for military members to embark on a new career path or build on existing skills and knowledge. This could be particularly important for those who are transitioning between military and civilian life. In some cases, military experience may even be accepted as college credit at certain military-friendly institutions. As such, it’s always a good idea to check with the admissions department at your chosen college to confirm whether or not they accept military experience as credit.

Demographics of Military Students

Infographic Overview of Military Students

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Veteran Education Benefits

You may be surprised to learn that 53% of active duty military are married and/or raising children.1 When you combine this fact with ever-increasing tuition costs, it makes sense that military students may need to look to certain benefit programs to help them fund their education, if they qualify. The good news is that there may be a variety of education benefit programs for qualifying veterans and their families. Examples of these programs include the Veteran’s Educational Assistance Program (VEAP), Survivors’ and Dependents’ Educational Assistance (DEA) program, and the Servicemen’s Readjustment Act (GI Bill). To find out more about veteran benefits, visit Veterans Benefits Administration.

Other Ways to Fund Your Education

In addition to veteran benefit programs, military service members could also look into scholarships that may be available to qualified students. There are many military scholarships available. Some are specific to a particular military branch, such as the NMCRS Education Assistance Program, the Henry J. Reilly Memorial Scholarship Program, and the AFAS Military Education Benefits Program. Others are offered by foundations, such as Imagine America. And you’ll also find scholarships available for military dependents, such as the My Career Advancement Account (MyCAA) Scholarship.

While scholarships alone may not be enough to cover your tuition costs, if they are available and you qualify, they could definitely help ease some of the burden. Click here for more information on military and veteran scholarships.

Another area to look into is military education benefits offered by the different branches of the military. To find out whether or not you qualify for military education benefits, visit the official website of your respective military branch.

 

Sources

[i]dol.gov/wb/stats/nontraditional_occupations.htm | [ii]thrillist.com/travel/nation/the-15-weirdest-jobs-in-the-world | [iii]neweurope.eu/article/top-ten-weirdest-jobs-world | list25.com/25-of-the-weirdest-jobs-on-earth | lolwot.com/20-of-the-most-bizarre-jobs-people-have-around-the-world | [iv]scoopwhoop.com/inothernews/weird-jobs-of-the-world | [v]thefiscaltimes.com/Articles/2011/08/25/10-Dirty-Jobs-That-Nobody-Wants | [vi]extracrispy.com/culture/136/now-hiring-extra-crispy-is-looking-for-a-bacon-critic | [vii]jobs.net/article/cb-196-talent-network-restaurant-9-unusually-weird-jobs-in-the-food-industry | [viii]roberthalf.com/accountemps/job-seekers/career-center/career-advice-and-job-search-tips/beyond-the-traditional-5-unusual-types-of-accounting-jobs | [ix]healthline.com/health-news/weird-jobs-in-the-medical-field-you-never-thought-about-123015#2 | [x]brazen.com/blog/archive/job-search/beyond-the-blackboard-8-unusual-and-in-demand-teaching-careers | [xi]verywell.com/cool-psychology-jobs-2794938 | [xii]careerprofiles.com/blog/hiring-innovative-talent/6-crazy-new-titles-for-marketers-and-what-they-mean | [xiii]livescience.com/37284-weirdest-science-jobs.html | [xiv]complex.com/pop-culture/2014/06/15-weird-tech-jobs-you-never-knew-existed-but-wish-you-had

What is the Singularity …is it a Danger?

The Singularity could refer to various future scenarios. What is the Singularity when it comes to AI? The technology Singularity refers to a time when AI may advance beyond human intelligence.

Contrary to many media claims, the Singularity isn’t happening right now. In fact, it’s unlikely to for decades and may never occur. We may better understand the implications of a potential Singularity by clarifying AI definitions.

These varieties of AI may help you understand what the Singularity could mean more clearly. Here we’ll discuss the current debate about the possibility and impossibility of the Singularity to highlight distinctions in AI variations.
We’ll also provide benefits and drawbacks for AI. Gaining a better grasp of how AI works could help you understand The Singularity and why it may or may not matter to you.

Singularity Definition AI

The Singularity refers to a theoretical future where artificial intelligence becomes more intelligent than humans. While it’s an intriguing concept, it’s far from guaranteed—and many experts question whether it’s even possible.

At the heart of the idea is the belief that AI could eventually surpass human thinking and problem-solving. This vision often makes headlines, but it tends to stir more hype than clarity.

Experts like Jared Holt from the Institute for Strategic Dialogue point out that big tech companies sometimes overstate the capabilities of their AI tools. This can create unrealistic expectations and spread misinformation about what AI can actually do.

In reality, the Singularity isn’t something most people need to worry about. But the misinformation surrounding it could have real consequences. That’s why it’s important to break things down clearly and look at what AI is truly capable of today.

What is the Singularity | AI Pros and Cons

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What is Intelligence?

The notion of AI as “smart” raises the question – what is intelligence? If we’re to believe the hype of AI creators and proponents, data regurgitation qualifies as intellect. That’s because AI language models and data processors copy data patterns and mimic human communication to deliver data results to users.

This may be a form of knowing… but could knowledge at this level equal or surpass human intelligence? One way to test this might be to ask if AI can apply its learned information in a meaningful way.

The definitions of knowledge and intelligence show this difference between them. Intelligence is about the application of learning rather than just its access and delivery. Applied learning works with information, it may make improvements or adjustments.

For instance, AI can access and deliver the data for how to build a bird feeder. But can it suggest how to make a better bird feeder than one that currently exists? The intelligence it takes to do this kind of work involves understanding the experience of owning or using a bird feeder.

AI can’t have a human (or bird) experience. Humans have ideas about things that haven’t been thought about yet – a better bird feeder than this one. AI can create new content from old content. But can it have new ideas?

AI is a machine that converts data inputs into organized outputs. These outputs seem meaningful and relevant to our human brains. But the AI makes data connections thanks to software programming. It isn’t making meaning as a human brain does.

Our minds have complex neural processing linked to our human experience. It’s a level of awareness beyond the AI realm of possibility. We’re impressed with AI results because our complex minds can interpret AI outputs as meaningful. But it’s our interpretation that makes this meaning, not the AI.
This isn’t to say that human experience and consciousness equals intelligence. But experience and awareness inform our intelligence by creating meaning out of data. This process, crucial to intellect, isn’t possible for AI.

AI can infer probabilities and find correlations. While impressive, these processes aren’t interpretations or awareness.

 

What is AGI

AGI stands for artificial general intelligence. It’s defined as AI that reaches the level of human intelligence. Although many creators and marketers for AI products claim their work can elevate AI to this point, it’s debatable.

This type of AI contrasts with ANI, artificial narrow intelligence. ANI has a detailed, designated purpose. Specificity of design and execution make ANI achievable and even impressive. Generative AI, such as ChatGPT, serves as an example.

But contrast, artificial general intelligence remains unspecified by definition. Experts, philosophers, and researchers point out gaps between AI’s promises and accomplishments. It’s in this void that we see the consequences of that vagueness.

Is Artificial General Intelligence Possible ?

You’ll find varying answers to this question depending on who you ask. AI creators, such as Google’s DeepMind CEO, will say yes. While most AI scholars and experts, without dollars at stake, point to its impossibility.

Even the OpenAI blog from the creators of Chat GPT, speaks of AGI in terms of “if” it is possible. These proponents of AGI’s potential tend to speak of human level intelligence in terms of work productivity.

That’s because AI systems may be programmed to outperform human workers at certain tasks. For instance, computers can work faster at calculations and data summaries than humans. This doesn’t necessarily give AI greater intellectual capability than humans, though that may often be the claim.

For instance, an AI can output list of historical dates to perform faster than a human on a multiple-choice test on historic dates. But can an AI construct a better essay regarding the significance of those dates with insight into their relevance today?

Is artificial general intelligence possible? Not at our current technological state. But we don’t know what innovations may come. So, AGI doesn’t exist, but the possibility for it in the future does.

Why isn’t generative AI the same as AGI?

Generative AI is a form of ANI. Artificial narrow intelligence (ANI) performs a particular function within a narrow framework and specific skillset.

In the case of generative AI, that framework is a dataset, such as a designated section of the internet. Generative AI creates content within that domain and through a specific language model.

AGI stands for artificial general intelligence. It’s non-specific and aspires to achieve any task a human can perform. Generative AI isn’t quite as ambitious as AGI… and that may be the smartest thing about it.

What is ASI ?

Imagine a computer programmed with super intelligence surpassing that of humans. What is ASI? It proposes the reality of this awe-inspiring concept. If ASI existed, it would function beyond human capabilities. However, many researchers, scientists, and experts argue that ASI may only ever be just an idea.

Others, especially computer scientists and AI creators, claim ASI could materialize anytime from 2065 to 100 years from now. This presupposes technology that doesn’t yet exist and requires massive speculation. But we get it, the resulting thought experiments might be fun.

Is Superintelligence Possible?

ASI isn’t yet possible. However, we don’t know if it might become possible someday. Much like artificial general intelligence, artificial super intelligence is currently only an intriguing idea. It’s a powerful concept, creating more media buzz than most ideas merit.

Still, humans continue to ask, is superintelligence possible? Reasons for these queries span the gamut, from Hollywood movies to workplace disruptions and human mortality.

  • • Potential for the Singularity tends to raise emotions from excitement to fear of death.
  • • It can often be a fun thought experiment.
  • • Some share concerns that AI may replace their jobs or even careers.

Maybe someday ASI could become possible. That’s all it takes to inspire wild musings across the globe. From science fiction stories to morning shows, humans can’t get enough of the idea that computers will one day outdo us.

Media outlets also seem remind us on a regular basis that AI can help do tasks we’d rather not. From navigating us home to summarizing massive amounts of data, AI has perks.

What are the Benefits of AI ?

There are several potential benefits of AI. Employers are investing millions into artificial intelligence tools and apps in efforts to boost their bottom line. That’s why many researchers and media outlets focus their AI interest on its potential impact on business, work, and the overall economy.

For instance, McKinsey claims to have found 63 generative AI use cases spanning 16 business functions that may deliver a total value in the range of $2.6 trillion to $4.4 trillion in global economic benefits per year.

Let’s break out potential benefits to see how AI could impact workplaces.

  • • Increased efficiencies for AI implemented tasks. An example might be searching for, filtering, and summarizing libraries of relevant information for researchers.
  • • Faster customer service capabilities. For instance, chatbots and self-checkouts reduce time for customers who may otherwise await assistance.
  • • Fewer opportunities for human error. Although AI can’t provide a human touch, it also doesn’t get tired or need regenerative personal time.

These examples of potential AI perks are grounded in former user experiences and results. There may be many more possible benefits to come that we haven’t even imagined yet.

What are the Dangers of AI?

AI has also presented us with drawbacks based on user patterns and results. These may sometimes have a negative economic and/or social impact. So, it could be useful to weigh them against the potential benefits.

  • • Increased unemployment due to workforce replacements by AI. Many content creators may find their work can be done more cheaply by generative AI.
  • • Discriminatory filters embedded into AI applications may impact user perspectives and subsequent behavior.
  • • Outdated or corrupted data may lead to the spread of misinformation. This could have a negative impact on society if not regulated or at least vetted.

Conclusion

What is the Singularity but a mere idea compared to the far reaching benefits and drawbacks of AI at work today. It’s the difference between potential and reality. It’s intriguing and may even be fun to ponder the Singularity definition.

But the Singularity doesn’t present a danger currently. Instead, we can more deeply invest in the potential benefits of AI and respect its limitations. Interested in studying these possibilities? Click our links below to check out artificial intelligence degrees and programs.

Artificial Intelligence Degree Program 2023

What is an AI to Help Me Apply to Grad School?

How to use AI Research for Writing a Paper 

How to use AI Research for Writing a Paper

AI research could work for you as an ethical and efficient tool to help construct a paper. From ideation to creating a hypothesis, AI could kick off your research. Then artificial intelligence could also guide your construction of an outline and your structural content.

Let’s explore how to use AI research at each phase of writing your next paper. We created this step-by-step guide to help you. It includes relevant AI research and writing resources. This article could also help streamline your writing process without raising plagiarism concerns.

AI Research | AI Apps

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How to use AI apps for research

As your paper’s due date encroaches, you might find yourself facing a blank doc on your computer screen. We understand. Sometimes it’s tough to get started or you may also feel stuck at points along the path. Here’s an outline of the creation phases with AI research apps to stimulate and streamline your writing process from start to finish.

Ideation This phase involves brainstorming, investigating, and blue sky thinking. Reach for the stars and don’t worry about the solidity of your ideas yet. Stay open minded and write it all down. Sometimes a seemingly crazy idea could inspire greatness.

AI apps for ideation: Ayoa, Itonics, Coggle
Features/Tools: mind maps, whiteboards, collaboration games, idea targeting, flow charts

Hypothesis Establishing a hypothesis lays the foundation for your research paper. It’s the core element of your idea. Some find a hypothesis by analyzing data. Others make an educated guess. Then they check the data for supportive material and conclusions. Sometimes research disproves the hypothesis, which could also make for a great paper.

AI apps for hypothesizing: Hyperwrite, Study Corgi, Jenni.ai
Features/Tools: topic simplifier, thesis tester, research library creator, translator

Outlining Preparing an outline establishes a logical flow of ideas and punctuates the major points of your paper for clarity. With this goal in mind, you may want to check the order of concepts in your outline and summarize each one a bit. This could help your stick to the point and ultimately make your paper easier for the reader to understand.

AI apps for outlines: Hypotenuse, Taskade, Copy.ai
Features/Tools: keyword generator, custom tone, bullets, headlines

Structured Content Building the body of your draft involves reflection on each outlined section and summary. This is where you bring in the details and nuance that truly make the paper your personal take on the research. It’s the phase where your writing lays out the facts and develops your insights.

AI apps for structure: Scite, Trinka, Elicit, Scholarcy
Features/Tools: reference checks, academic writing language correction, data summary

These tools might seem too good to be true. But they can’t write the paper for you. However, using them in a thoughtful way could mean cutting down your research and writing workload.

AI is engineered to increase efficiencies and these apps are typically designed to suit your research needs. Eager to check them out but harboring worries about ethics? Let’s address this concern.

 

Is using AI plagiarism?

AI on its own can’t constitute plagiarism. Just like a book can’t plagiarize itself, AI plagiarism requires unethical human usage. You can could avoid using AI research apps in an unethical way with a few simple steps. Follow these guidelines to keep your AI research and writing ethical without losing efficiencies.

Create Structure
Generative AI results usually deliver content in organized bullets and paragraphs. This order of information can could help stimulate and inspire your structure. You can could match the system of organization without plagiarizing the content. Simply use your own words and corresponding ideas.

Rewrite
The body of your paper could be well informed by AI research without plagiarism. It’s a matter of digesting AI summaries and constructing new phrasing to express the ideas that could fit your premise.

This means more than rewording or simply paraphrasing. Your research paper has its own premise with writing that backs it up with clear logic. So, that means using ideas that could fit your chosen story.

Cite Sources
Research involves facts and data. To cite them, you’ll need to show sources. This can could be done by either using AI that cites sources or looking up the data and facts to find sources yourself.
It’s standard practice in research and paper writing to provide a valid resource. That means the government, a university, or an esteemed institution makes for a preferred source.

How AI could help you outline and construct a paper

AI research could help you in many ways. But it’s especially good for summarizing large amounts of data into bite-size chunks. That’s how AI could help when conducting research and writing about your results.

Some AI research apps have better sourcing and are typically more reliable than others. Artificial intelligence also usually offers specific efficiencies. So, it may be helpful to pay attention to the specific tools of each. That way you’ve got the perfect app for the job at hand.

Let’s look at this in action with generative AI and outlining. We’ll break it down to help you see how an AI research app could help at each step of the process.

How does generative AI work?

Generative AI apps combine a large knowledge base with a language model. The knowledge base could range anywhere from a massive website, such as Amazon.com, to the internet at large. A language model programs the computer to engage in a simulated conversation with a user.

These elements of generative AI function through machine learning. That means the computer program teaches itself the data within the knowledge base. The system then processes that information for the user, communicating the data through the language model.

How AI could help with outlining

Using generative AI involves the following steps to create an outline and structure for a research paper.

  1. Discovery
    a. Create a specific, relevant, and holistic query to use as a prompt in the AI app. The more detailed and targeted to your results, the more likely you will may find helpful answers to guide your research.
    b. Enter your query into the generative AI to prompt the search.
    c. Execute the search and read the results.
  2. Preparation
    a. Take notes on the generated results.
    b. Check the facts and data of these results for valid sources to verify the information and capture resources to cite in your paper.
    c. Draft an outline combining your hypothesis and these results.

Using AI to help create your paper’s structure

  1. Architecture
    a. Build structure for your paper with short summaries for each section in your outline that hit the key points. Use the generative AI results as a starting point from which you could write in your own words.
    b. Check the flow of this story for logic and to ensure you cover all the points you wish to make in your research analysis.
    c. Edit your content and ensure that it’s either your original work or quotations with explicit citations for the sources used.

Conclusion

AI research apps offer many helpful ways to make writing easier. With our ethical guidelines and your big ideas, you could save time and improve the quality of your research papers with AI. From ideation to actual writing, an AI research tool exists just to help you make it happen.

Click our links to learn more about what AI can could do to help you reach your research goals.

The True Story of Thanksgiving

In 2023, a projected 55+ million1 people in the United States will take to the road and sky to celebrate Thanksgiving with family and friends. Children will don Pilgrim hats in school plays, and large inflated turkeys will bobble and glow on front lawns.

The story of Thanksgiving has morphed into an inspiring story of welcoming indigenous peoples and grateful colonists who come together in friendship and peace. But historians argue that this story is replete with falsehoods that sugarcoat the complexities of the events before, during, and after the feast of 1621.

The Pilgrims

To better understand the dynamics of that feast in 1621, it could be helpful to have a better understanding of the group of 102 men and women who landed in Plymouth in 1620.

In 1534, England was a Roman Catholic Nation. When King Henry VIII came into power, he established a new national church known as the Church of England. While based on Catholicism, he and later his daughter Elizabeth introduced changes to differentiate this new church from the Roman Catholic Church.

Some people felt that the changes were not enough, however. They wanted to practice a more “pure” version of Christianity that was simpler and less structured. These individuals became known as “Puritans.” Another more radical faction, identified as “Separatists,” went a step further, insisting that the Church of England was irreformable. They called for the creation of entirely new and separate church.

Both groups were persecuted since, in the early 1600s, it was illegal to be part of a church other than the Church of England. The Separatists eventually relocated to the Netherlands, where they were able to practice their religion. However, after about 10 years they felt that this solution was unsatisfactory, and they decided that a small group of them would leave the Netherlands to establish a settlement in the “New World” that would tolerate religious freedom.

The Pilgrims, however, were not for religious freedom. They believed their way of worshiping God was the only way, and they were intolerant of any digressions. In fact, while their initial plan was supposedly to settle in the northern part of the Virginia Colony—which was actually the first permanent settlement by the English in North America—some believe that they never planned on settling there at all, wanting instead to be as far from Anglican control as possible.

 

The Wampanoags

The Wampanoags tribe, one of many nations of Native Americans living in North America when the Pilgrims arrived, have lived in the vicinity of what is now Massachusetts and Rhode Island for over 12,000 years. In the 1600s, there were nearly 70 Wampanoag villages spread across that area.

The Wampanoag were semi-nomadic, moving seasonally among fixed sites. They hunted and fished and cultivated crops such as corn and squash.

Each Wampanoag tribe had its own leader, and they, in turn, answered to the Wampanoag “Massasoit,” or “paramount leader.” When the Pilgrims arrived in 1620, that leader was Ousamiquin.

While the Wampanoags were the first tribe that the Pilgrims encountered when they landed in Plymouth, the reverse is not true —the Wampanoag’s interactions with Europeans did not start with the Pilgrims. For years, English and French fishermen and explorers had clashed with the Wampanoags, capturing them and other Native Americans for slave trade. These explorers also brought with them disease. Between 1616 and 1619, a period known as the “Great Dying,” an outbreak of disease ravaged the villages of the Wampanoag, wiping out up to 90% of the population.

In fact, Squanto, a member of the Wampanoag who spoke English and was known for helping the pilgrims survive in their new environment, had learned English because he had spent years in captivity in Spain and England.

The Meeting of the Pilgrims and the Wampanoag

The Pilgrims and Wampanoag did not encounter each other right away. It wasn’t until March 1621 that English-speaking Samoset and Squanto entered Plymouth carrying a message from Ousamiquin, who wanted to negotiate a peace treaty with the Pilgrims. In the subsequent treaty , the Pilgrims and Wampanoags agreed not to harm one another and to protect each other from outside attacks.

According to some historians, this treaty was initiated by Ousamiquin not so much as a gesture of friendship but as a way for him to fend off attacks by the Narragansett, a neighboring tribe who had been trying to subjugate the Wampanoag people. Despite periodic episodes of tension, both parties honored the treaty until after the death of Ousamiquin in 1661. (The subsequent fallout between the Wampanoags and New England colonies that led to the devastating King Philip’s War is a story for another article.)

The treaty might have saved the Plymouth colony from destruction. The first winter the Pilgrims experienced was brutal—about half of them died from the harsh conditions that they were unused to. In the spirit of cooperation fostered by the treaty, the Wampanoags taught the Pilgrims how to grow crops such as corn and beans and generally how to survive in their new environment. By October 1621, they had built a number of crude houses and common buildings and had propagated a bountiful harvest.

Which takes us to the events of what is known as the first Thanksgiving. Perhaps one of the biggest misconceptions surrounding the story of Thanksgiving is that the Pilgrims intended their celebration to include the Wampanoags. In fact, there is no record of the Pilgrims having invited the Wampanoags to their feast. Many accounts of the festival maintain that the reason the Wampanoags were even there at all was that they heard the sound of guns being fired in celebration and came to investigate. The ensuing three days could likely have been characterized more by tension and suspicion than friendship and goodwill.

Another myth is that these festivities constitute the “first” Thanksgiving in the New World. In reality, Native Americans in North America had been giving thanks for bountiful harvests for years. And there are recorded accounts of thanksgiving celebrations in the U.S. that occurred long before the Pilgrims arrived. In fact, some consider the first thanksgiving to be the 1556 celebration between Spanish settlers and about 200 Indians in St. Augustine, Florida .)

Story of Thanksgiving

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The Evolution of Thanksgiving

In 1863, during the Civil War, President Abraham Lincoln proclaimed Thanksgiving a national holiday as a way to foster unity between the north and south. But Lincoln’s proclamation did not mention anything about the Pilgrims or the celebration that took place in 1621. So how did the Thanksgiving we celebrate today become equated with the story of the Pilgrims and Wampanoags in 1621?

It may well likely have been due to the influence of author Sarah Josepha Hale. Hale was the author of “Mary Had a Little Lamb,” but her achievements go far beyond the penning of that rhyme. She was the writer and editor of an influential women’s magazine, Godey’s Lady’s Book, and is also attributed as having been the driving force behind Lincoln’s Thanksgiving proclamation. For years she had used her writings to urge politicians to establish Thanksgiving as a national holiday. A letter she wrote to President Lincoln about the matter is often considered to be instrumental in Lincoln’s decision.

Hale herself made the connection between the Pilgrims and the first Thanksgiving in an editorial she wrote in 1865: “To the Eastern colonies we must look for the beginning of this custom. The Pilgrim Fathers incorporated a yearly thanksgiving day among the moral influences they sent over the New World.” And in 1872 she wrote a hymn in tribute to Thanksgiving, referencing the “faithful Pilgrim Fathers” and “Their first Thanksgiving Day.”

The connection was repeated by newspapers and other magazines, began appearing in school textbooks, and took hold. We’ll never know for sure why Sarah Hale made this connection, or whether she was indeed the one responsible for popularizing it. By some accounts, it was a group of pilgrim descendants who planted the seeds in 1769 because they felt that their cultural authority was eroding and that New England was becoming less relevant with other colonies. Whatever the origins, equating Thanksgiving with the Pilgrims and Wampanoags perpetuates a story fraught with inaccuracies and insensitive to the realities of the plight of Native Americans in this country.

National Day of Mourning

In 1970, Frank James, then leader of the Wampanoag, was invited to speak at a Thanksgiving state dinner marking the anniversary of the Mayflower. But James would not be silenced about the treatment of his people, and he wrote a scathing account of how the Pilgrims stole food, desecrated graves, and spread disease among his people.

The organizers found the speech to be inappropriate and was “uninvited” to the dinner.

Instead, he led supporters to Cole’s Hill, next to the statue of Ousamiquin, and read his speech. This became the first official National Day of Mourning, which has been celebrated in that location every day since.

Conclusion

So where does all this unraveling of history leave us? Should we stop celebrating Thanksgiving altogether? Not necessarily. But it is important to understand what really happened, both before and after 1621, to be cognizant of the misconceptions that have been perpetuated, and to be sensitive to the lasting effect the myths of Thanksgiving have had on the Wampanoag and Native Americans as a whole.

Sources

1Projections by AAA: https://newsroom.aaa.com/2023/11/aaa-thanksgiving-holiday-travel-period-forecast/#:~:text=WASHINGTON%2C%20DC%20(November%2013%2C,the%20Thanksgiving%20holiday%20travel%20period*.

Wait—That’s a Real Job?! 17 of the Weirdest Jobs Out There

What types of people tend to go for the weirdest jobs?

People who go after out-of-the box jobs may be described as:

  • Adventurous
  • Open
  • Extroverted
  • Confident
  • Brave
  • Insane!

We dug up 17 of the weirdest jobs out there. . . .

  1. Toques (Electro-shockers): In Mexico, shocking drunk people is a job! Why? Some imbibers want to get a better buzz on—others think it sobers them up.
  2. Cuddle professional: Get paid to have platonic snuggle sessions with lonely people.
  3. Professional Mourner: The perfect job for the morbid folks or aspiring actors who can tear up on command at funerals.
  4. Chicken Sexer: How does squeezing a baby chick until it pees and then examining its genitalia sound? Pass?
  5. Professional Ear Cleaners: This is a traditional art in India—and involves exactly what the name suggests.
  6. Worm Picker: This involves some bright, early mornings of picking and packing the best worms for fisherman.
  7. Pet Food Tester: If you have a discerning palate and the desire to chew dog food, this job is for you!
  8. Body Farm Caretaker: Scientists hire people to comb for maggots on dead bodies. Fun!
  9. Roadkill Cleaner: This doesn’t really require explanation, but some cleaners even take home the corpses. For what, we didn’t ask….
  10. Vomit Collector: Somebody has to clean the vomit off amusement park rides. It could be you!
  11. Breath Odor Evaluator: Use your nose to determine when gum or toothpaste works—and unfortunately, when it doesn’t.
  12. Flatulence Smell Reducer: Help underwear companies keep the fart smell contained. For real.
  13. Portable Toilet Cleaners: If you’ve ever had to use a Porta-Potty, you’re probably not eager to send in your application.
  14. Gross Stunt Tester: Someone has to figure out which stunts create the best gross-out factor for reality shows. Bon appetit!
  15. Head Lice Technician: This involves lice, a comb, a strong stomach, and a lot of patience.
  16. Diaper Service Worker: This dirty job requires you to clean cloth diapers. Enough said.
  17. Bacon Critic: Hey, there are actually some amazing, delicious non-traditional jobs out there!
Weirdest Jobs 2023

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Why do people pursue these wacky jobs?

There may be many reasons to pursue an “alternative” career:

  • Possibly allowed to make your own rules
  • Escaping the boring
  • Being paid to be weird
  • Enjoying the macabre
  • Being an animal lover (or hater)
  • Following your (strange) dreams
  • Bragging rights!

What is a non-traditional job?

There are two ways to look at non-traditional jobs:

  1. It’s a career where one sex comprises 25% or less of the workforce. For women, an example is a taxi driver or firefighter. For men, childcare workers and dental hygienists are non-traditional jobs.1
  2. An off-the-wall, crazy role that you would never imagine is actually a real job!

Are there non-traditional jobs in traditional fields?

These aren’t quite as crazy as the ones above, but they do exist!

Food

  • Fortune cookie writer
  • Egg peeler
  • Gum chewer

Accounting

  • Forensic accountant
  • Sports accountant
  • Entertainment accountant

Healthcare

  • Medical illustrator
  • Space psychologist
  • Wound-care specialist

Travel

  • Dog surfing coach
  • Manners police
  • Sewer guide

Teaching

  • Leadership coach
  • Historical consultant
  • Sports coach

Psychology

  • Traffic psychologist
  • Aviation psychologist
  • Art therapist

Marketing

  • Meme manager
  • Simplicity engineer
  • Data storyteller

Science

  • Firework designer
  • Snake milker
  • Sexologist

Technology

  • Ethical hacker
  • Crowdfunding specialist
  • Video game tester

Where would someone search to find these jobs?

A good place to start may be to search for “crazy” or “cool” jobs in your field. Once you find out what’s out there, you could seek out companies that employ these roles. Check out professional organizations, search company websites, investigate industry social media sites, and do some research on job boards and LinkedIn.

 

Sources

[i]dol.gov/wb/stats/nontraditional_occupations.htm | [ii]thrillist.com/travel/nation/the-15-weirdest-jobs-in-the-world | [iii]neweurope.eu/article/top-ten-weirdest-jobs-world | list25.com/25-of-the-weirdest-jobs-on-earth | lolwot.com/20-of-the-most-bizarre-jobs-people-have-around-the-world | [iv]scoopwhoop.com/inothernews/weird-jobs-of-the-world | [v]thefiscaltimes.com/Articles/2011/08/25/10-Dirty-Jobs-That-Nobody-Wants | [vi]extracrispy.com/culture/136/now-hiring-extra-crispy-is-looking-for-a-bacon-critic | [vii]jobs.net/article/cb-196-talent-network-restaurant-9-unusually-weird-jobs-in-the-food-industry | [viii]roberthalf.com/accountemps/job-seekers/career-center/career-advice-and-job-search-tips/beyond-the-traditional-5-unusual-types-of-accounting-jobs | [ix]healthline.com/health-news/weird-jobs-in-the-medical-field-you-never-thought-about-123015#2 | [x]brazen.com/blog/archive/job-search/beyond-the-blackboard-8-unusual-and-in-demand-teaching-careers | [xi]verywell.com/cool-psychology-jobs-2794938 | [xii]careerprofiles.com/blog/hiring-innovative-talent/6-crazy-new-titles-for-marketers-and-what-they-mean | [xiii]livescience.com/37284-weirdest-science-jobs.html | [xiv]complex.com/pop-culture/2014/06/15-weird-tech-jobs-you-never-knew-existed-but-wish-you-had

10 Top-Paying Careers Requiring a Bachelor’s Degree

 

Looking to make a career move? Earning a bachelor’s degree could help open doors to high-paying professions. In fact, the annual median salary for bachelor’s degree holders is over $30,000 more than the median salary of those with just a high school diploma, according to the Bureau of Labor Statistics (BLS). In this article, we rounded up ten top-paying professions that typically require a bachelor’s degree at the entry level. Learn more about what each career path is all about—and decide if one could be perfect for you!

Top-Paying Careers Requiring a Bachelor’s Degree

In this article, we list 10 top-paying careers that typically require an bachelor’s degree at the entry level, as specified by the BLS.

1 Computer and information systems managers


What they do

Computer and information systems managers are responsible for computer-related activities in an organization. Chief information officers (CIOs) and chief technology officers (CTOs) are types of computer and information systems managers that lead and direct their organization’s technology strategy, including identifying new technology that could be beneficial. IT security managers oversee network and data security to keep information safe. And IT directors are typically in charge of the IT department, including hiring staff, managing the budget, and more

Typical entry-level education

Bachelor’s degree in computer and information technology or a related field

Median annual salary, 2023:

$169,510 per year

Projected employment, 2032

643,300

2 Architectural and engineering managers


What they do

Architectural and engineering managers plan and supervise architecture and engineering projects. They may do research to understand a project’s scope, create detailed plans and budgets, hire and supervise staff, and make production schedules, among other duties. These professionals not only need to understand the ins and outs of managing teams and projects to keep jobs on track, but they also need knowledge of architecture and engineering to inform their work.

Typical entry-level education

Bachelor’s degree in engineering or architecture

Median annual salary, 2023:

$165,370 per year

Projected employment, 2032

209,700

3 Airline and commercial pilots


What they do

Pilots fly and navigate aircraft, including airplanes and helicopters. Airline pilots usually work for airlines that carry passengers and cargo on a set schedule, while commercial pilots typically perform charter flights, crop dusting, and other unscheduled activities. Both kinds of pilot are responsible for duties such as checking the condition of the aircraft, communicating with air traffic control, and monitoring aircraft systems throughout the flight to ensure a safe journey.   

Typical entry-level education

A bachelor’s degree in any field; flight training

Median annual salary, 2023:

$171,210 per year

Projected employment, 2032

148,100

4 Natural sciences managers


What they do

Natural sciences managers typically oversee the work of scientists within an organization or laboratory. For instance, they may manage chemists, physicists, or biologists. Natural sciences managers often oversee activities such as research and development, testing, quality control, and production. Their focus could vary depending on the type of organization they work for. For instance, they may manage projects related to advancing scientific knowledge or developing a new kind of product.

Typical entry-level education

Bachelor’s degree or higher in a scientific discipline

Median annual salary, 2023:

$157,740 per year

Projected employment, 2032

90,500

5 Financial managers


What they do

Financial managers help organizations reach their financial goals. They do this through a variety of activities, from preparing financial statements and forecasts to analyzing market trends to find opportunities. There are many kinds of financial manager, each handling different aspects of a company’s finances. For instance, cash managers control the flow of money in a firm. Treasurers direct their organization’s budget. And controllers are typically in charge of preparing financial reports and may oversee their organization’s audit, accounting, and budget departments.

Typical entry-level education

Bachelor’s degree in business, economics, or a related field

Median annual salary, 2023:

$156,100 per year

Projected employment, 2032

919,200

6 Advertising, promotions, and marketing managers


What they do

Advertising, promotions, and marketing managers are responsible for creating interest in products and services. This involves activities such as planning and budgeting campaigns, developing promotional strategies, and managing staff such as creative teams. Managers may use market research to better understand their potential customers as well as the competition. They may also work directly with clients to negotiate contracts and make recommendations for how to position new products, reach more customers, and more.   

Typical entry-level education

Bachelor’s degree in marketing or a related field

Median annual salary, 2022:

$156,580 per year

Projected employment, 2032

413,300

7 Computer hardware engineers


What they do

These professionals design and develop computer hardware, from entire computer systems to components such as circuit boards, processors, and routers. This hardware is essential for many modern devices, including mobile phones, cars, and home appliances. Besides designing systems and components, computer hardware engineers may oversee the manufacturing process and test the hardware to make sure it works as intended. Since hardware and software are typically designed to work together, computer hardware engineers may work closely with software developers.

Typical entry-level education

Bachelor’s degree in computer engineering or a related field

Median annual salary, 2023:

$138,080 per year

Projected employment, 2032

81,600

8 Petroleum engineers


What they do

Petroleum engineers devise methods for extracting oil and gas from the earth. Because oil and gas deposits are found in underground rock formations, engineers must develop ways to access those deposits by drilling. They may design drilling equipment, plan how best to extract the oil and gas, and monitor operations. Several kinds of petroleum engineers may be involved in this process. For instance, drilling engineers figure out the optimal way to drill for oil and gas, while production engineers oversee the wells once drilling is completed.  

Typical entry-level education

Bachelor’s degree in petroleum engineering or a related field

Median annual salary, 2023:

$135,690 per year

Projected employment, 2032

21,900

9 Database administrators and architects


What they do

Database administrators and architects build or manage systems to store data and keep it secure. They may design and build databases, regularly back up data, and make sure users can access the information they need. Typically, database architects are responsible for designing and building new databases, while database administrators monitor database operations for performance as well as provide support to users. However, these roles may have overlapping duties.

Typical entry-level education

Bachelor’s degree in computer and information technology or a related field.

Median annual salary, 2023:

$117,450 per year

Projected employment, 2032

161,600

10 Top executives


What they do

Top executives keep organizations running smoothly. They typically set goals for the organization as well as plan strategies and lead teams to ensure these goals are met. Many types of organizations employ top executives—from companies to governments to schools. For instance, Chief Executive Officers (CEOs) usually provide overall leadership and direction for companies and other types of organizations. General and operations managers may handle a variety of administrative and management tasks. And school superintendents oversee school districts, handle budgets, and help keep student achievement on track.

Typical entry-level education

Bachelor’s degree in an area related to their work

Median annual salary, 2023:

$103,840 

Projected employment, 2032

3,912,000

 

Source: https://www.bls.gov/

Based on national data, not school-specific information. Conditions in your area may vary. Accessed 8/9/2023. 

 

More than a Mom: The Reality of Today’s Working Mother

Working Mom Stats

You don’t need to be a mother to know that moms are capable of some pretty fantastic and seemingly unbelievable feats. Over the last century, a mother’s role of being designated to the home has evolved to incorporate working women into the world. “Working moms” have also become such a common idea in households across America that it’s almost assumed that if you’re a mother, you’re working as well. Everyone probably knows at least one working mother, but do you know just how many mothers juggle working and raising children simultaneously? According to the Department of Labor, in 2022 there were 21.7 million working mothers in the United States with children under the age of 18.1 That’s like if the entire population of Florida consisted of working moms!2 The increase of working mothers in America made a gradual but significant increase from 1975 and peaked around 2005.3 And while in 1960, only 11% of women were the sole breadwinners of the household, that number rose to 40% in 2012.3 The Women’s Bureau of the Department of Labor reports that the median weekly earnings for mom in 2022 was $908—which, based in a 52-week year, comes to an annual salary of $47,216. Fathers, on the other hand, earned $1,316 per week, or $68,432 per year.

“The United States ranks last in government-supported time off for new parents,5 with no weeks of paid leave and 12 weeks of protected leave.”

Working Mothers with New Babies

The length and stipulations of maternity leave in the United States is a hotly debated topic today. The United States ranks last in government-supported time off for new parents,5 with no weeks of paid leave and 12 weeks of protected leave.6 In comparison, Estonia leads the world in leave for new parents, with 108 weeks of paid leave and 180 weeks of protected leave.3

“Sons of working mothers spent more time helping with family and household chores than sons who had stay-at-home mothers. Another interesting finding is that men who grew up with working moms were more likely to seek and encourage a spouse who works as well.”

More Than a Mom : Working Mother

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While there are some mothers who return to work because they wish to, this lack of government-supported family leave causes many mothers to return to work with a new baby at home. According to the U.S. Census Bureau,7 the majority of mothers who had a baby were back at work that year. In addition, women who are more educated were more likely to return to work. Since the Bureau of Labor Statistics reports that those who have earned a bachelor’s degree or higher (based on median earnings for full-time wage and salary workers not broken down by gender) typically earn more per week than those with just a high school diploma,8 it seems as though working mothers new and old may want to consider enhancing their college education.

“The Department of Labor states that the occupation in which the highest number of  moms employed is registered nurses.9” 

You’ll generally find working mothers in nearly every industry you can think of, but there are definitely some occupations that tend to show a higher concentration of working mothers. The Department of Labor9 states that the top ten occupations employing working moms in 2021 were:

  1. Registered nurses  
  2. Elementary and middle school teachers         
  3. Other managers
  4. Secretaries and administrative assistants, excluding legal, medical, and executive
  5. Customer service representatives
  6. First-line supervisors of retail sales workers
  7. Nursing assistants
  8. Maids and housekeeping cleaners
  9. Teaching assistants
  10. Cashiers

In half of these occupations, moms are overrepresents—that is, there are more moms employed than non-moms.

“Some jobs are particularly suited for remote work. Examples include customer service representative and graphic designer.”

Working Mothers Don’t Necessarily Have to Leave the House

The shift towards remote work, particularly working from home, has become a prominent aspect of the modern workforce. This trend has been accelerated by improvements in technology, changes in work culture, and, notably, global events such as the COVID-19 pandemic, which forced many organizations to adapt quickly. Mothers who work at home face a unique challenge: balancing professional responsibilities with the constant presence of their children. However, managing to get work done while kids are around is a skill that many mothers have honed through a combination of creativity, patience, and effective time management.

Some jobs are particularly suited for remote work. Here are some examples.

1 Website Developer


Web developers design, create, and maintain websites.

$92,750

2023 median annual salary

 

2 Marketing Specialist


These professionals investigate the conditions in local, regional, national, or online markets to assess the potential sales of a product or service or to strategize a marketing or advertising campaign. Learn how to become a Market Research Analyst here!

$74,680

2023 median annual salary

 

3 Graphic Designer


Graphic designers work with both images and text to develop the production design for applications such as logos, advertisements, brochures, books, and magazines.

$58,910

2023 median annual salary

 

4 Data Entry Specialist


These specialists are responsible for inputting and managing data in computer systems or databases using specialized software or other tools.

$36,190

2023 median annual salary

 

5 Customer Service Representative


CS representatives work with customers to answer questions, resolve problems, handle complaints, and process orders.

$39,680

2023 median annual salary

 

The Future Trend of Working and Stay-at-Home Moms

There will probably never be an answer to debate on whether being a stay-at-home mother or a working mom is better for children, but perhaps there doesn’t need to be one. Some women choose to participate in the workforce and some work out of necessity. An interesting finding by the Pew Research Center is that after 10 years of an increase in working mothers, there seems to be a switch over to an increase in stay-at-home mothers.3 The researchers note that this may be due to the fact that would-be stay-at-home moms entered the workforce during the economic uncertainty that preceded and followed the Great Recession of 2007.

No matter how much the numbers of working mothers rise and fall, there will typically be millions of working women who need to, but also want to, develop their careers while also raising children. The traditional nuclear family—stay-at-home mother, bread-winning father, and two children—has generally become a relic of the past, and the idea of a “traditional” family seems to be becoming more and more indefinable as the twenty-first century marches on.

Click here to Get Matched to Schools For Free!

 

Sources

1https://www.bls.gov/news.release/famee.t04.htm2https://worldpopulationreview.com/states3https://www.elearners.com/education-resources/careers/todays-working-mother/4https://www.dol.gov/agencies/wb/data/mothers-families/median-weekly-earnings-child5https://www.business.org/hr/workforce-management/paid-maternity-leave-across-the-world/6https://www.dol.gov/general/topic/benefits-leave/fmla7https://www.census.gov/library/stories/2019/08/are-women-really-opting-out-of-work-after-they-have-babies.html8https://www.bls.gov/emp/chart-unemployment-earnings-education.htm9https://www.dol.gov/agencies/wb/data/mothers-families/occupations-largestnumbermothers10https://www.bls.gov/oes/current/oes131161.htm11https://www.bls.gov/ooh/arts-and-design/graphic-designers.htm12https://www.bls.gov/oes/current/oes439021.htm13https://www.bls.gov/ooh/office-and-administrative-support/customer-service-representatives.htm14https://www.bls.gov/ooh/computer-and-information-technology/web-developers.htm

Germs: Killers and Contaminators

WARNING: What you are about to read may make you seriously germophobic!

The world contains more harmful germs than you might realize. And the places germs do and don’t hide out may really surprise you. Of course, icky microorganisms are not entirely avoidable, and you shouldn’t let fear of germs take over your life. But if you have small children, you are planning to enter a medical profession, or you just want to be savvier about staying clean and avoiding illness, you’re in the right place!

A Brief History of Germs

“Louis Pasteur, the father of pasteurization, was also an important figure in the early study of germs. He proved that microorganisms present in the air could also grow on food, causing it to spoil.”

Naturally, germs have been around forever. But it wasn’t until the 1800s that people finally began to accept and understand the germ theory of disease. According to the Association of the British Pharmaceutical Industry, before then most people didn’t realize that germs could make them sick, or that hand washing could prevent illness and save lives. In fact, the Hungarian physician Ignaz Semmelweiss discovered that medical students often delivered babies after dissecting corpses, failing to wash their hands in between! When Semmelweiss insisted that students start washing their hands, the death rate of new mothers dropped significantly.

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Louis Pasteur, the father of pasteurization, was also an important figure in the early study of germs. He proved that microorganisms present in the air could also grow on food, causing it to spoil. Inspired by Pasteur, a Scottish surgeon names Joseph Lister began using carbolic acid to clean his patients’ wounds. And once penicillin was discovered by accident in 1928, the war on germs was in full swing!

“But how long do germs survive? Certain viruses could live on your hands for as long as an hour, giving you plenty of time to spread your cold to everyone in the office or classroom! Certain kinds of bacteria and protozoa, like staph and Giardia, may be able to live for months outside a human body.”

How Are Germs Spread?

There are several common means by which germs are spread. One obvious way is from nose, mouth, or eyes to hand to others—like when you have a cold and you shake someone’s hand after you’ve been blowing your nose all day. You could also transmit germs from your hands to food that you are preparing. And in the case of food borne bacteria like salmonella, it’s all too easy to transmit germs from food to hands to food; an example is handling raw chicken and then making a salad without properly washing your hands first. Caring for kids and animals could lead to the spread of germs, too.

But how long do germs survive? Certain viruses could live on your hands for as long as an hour, giving you plenty of time to spread your cold to everyone in the office or classroom! Certain kinds of bacteria and protozoa, like staph and Giardia, may be able to live for months outside a human body. And fungi like Candida, or yeast, may hang out for months on anything from your towels to your favorite lipstick. Talk about gross!

The germs you encounter in innocent places could do some serious damage. According to the Centers for Disease Control and Prevention (CDC), the 2020–21 flu season saw as many as 5,000 people die from influenza in the U.S.”5

What Public Places Are the Germiest?

If people had to take a guess, they’d might say public toilets are hotspots for dangerous germs. The surprising answer is that most toilets are not as dirty as you might think. With about 1,000 units of bacteria per square inch,1 the average toilet seat is about 10 times cleaner than your mobile phone!2 A typical bathroom floor, on the other hand, could home to as many as 2 million bacteria per square inch.3 Some other surprising culprits include restaurant menus, bathroom soap dispensers, steering wheels, and airplane armrests. And don’t forget the bottoms of your shoes, which may each carry as many as 421,000 units of bacteria, including E. coli, meningitis, and Klebsiella pneumonia.4

Schools are also breeding grounds for bacteria, with the worst offenders being water fountains, cafeteria trays, and faucet handles. As reported by Today’s Parent, kids who enter daycare may be exposed to all kinds of harmful germs, like cold viruses, stomach bugs, and conjunctivitis (pinkeye). Shared toys, food, and being in close contact with other kids are usually to blame. And consider that a single bathroom for an entire classroom of kids may mean infrequent hand washing; in fact, over half of school kids claimed they did not have time to scrub up before meals.

The germs you encounter in innocent places could do some serious damage. According to the Centers for Disease Control and Prevention (CDC), the 2020–21 flu season saw as many as 5,000 people die from influenza in the U.S.5 A Methicillin-resistant strain of staph, which is found in many public places including taxis, may cause as many as 80,000 invasive infections each year (CDC).6 And 1.2 million people get sick from salmonella annually (CDC)7; that’s as if the entire population of Dallas, Texas contracted this dangerous foodborne illness!

And Then There’s COVID-19…

The advent of COVID-19 in 2019 put a whole new spin on germs. Over 1 million people have died from COVID-19 in the United States—it’s serious business.

COVID-19 spreads via droplets and very small particles that an infected person breathes out. Others might breathe in these droplets and particles, or they might land on their eyes, nose, or mouth. In some circumstances, these droplets may contaminate surfaces they touch.

The CDC provides a number of recommendations about preventative actions that could be taken, such as improving ventilation, getting tested if you have symptoms of COVID, and staying at home if you test positive for COVID. 

You may think you already practice frequent hand washing. But actually, most people don’t wash their hands correctly. For starters, you need to scrub your hands long enough to actually kill germs, which means at least 20 seconds. You can sing yourself the ‘Happy Birthday’ song twice in your head to make sure you’ve spent enough time under the faucet!”

How to Protect Against Germs

An obvious solution to staying healthy may be washing your hands regularly. The CDC recommends washing your hands before, during, and after handling food (including pet food), eating, caring for the sick, coming into contact with human or animal waste, touching garbage, tending to a wound, using the toilet, and coughing or sneezing. That list is not exhaustive, but it’s safe to say there are many times throughout the day when it’s important to scrub up! You may think you already practice frequent hand washing. But actually, most people don’t wash their hands correctly. For starters, you need to scrub your hands long enough to actually kill germs, which means at least 20 seconds. You can sing yourself the “Happy Birthday” song twice in your head to make sure you’ve spent enough time under the faucet! Another little-known hand washing fact is that how you dry your hands makes all the difference. As reported by Infection Control Today, wet hands are about 1,000 times likelier to spread bacteria than dry hands,8 and rubbing your hands together while drying may actually cause bacteria to multiply. The CDC suggests that using paper towels may be a better option, because they physically wipe bacteria off your hands.

”Germs live in your body, on plants and animals, and even in the air you breathe. In short, it’s impossible to eliminate germs from your life, and you might go crazy if you tried! In most cases, your immune system protects you from infection, allowing you to go about your day without worrying too much.”

If you don’t have access to soap and water, hand sanitizer that contains at least 60% alcohol may be an okay stand-in. Other common sense tips include avoiding people who are sick, regularly disinfecting surfaces, and keeping your hands away from your eyes, nose, and mouth. A more unusual tip: consider a fist-bump instead of a handshake, since it spreads about 1/10 the amount of germs of a handshake.

Should You Worry?

Germs live in your body, on plants and animals, and even in the air you breathe. In short, it’s impossible to eliminate germs from your life, and you might go crazy if you tried! In most cases, your immune system protects you from infection, allowing you to go about your day without worrying too much. Of course, almost everyone has experienced a nasty cold or bug they wished they could have avoided, and some infections are even life-threatening. Understanding the dangers and how to avoid them is important to staying safe, healthy, and (mostly) in control of the nasty germs you encounter!

Dive Right In!

Now that you probably have a better understanding of germs—what they are, and how to combat them—you might feel better about pursuing a healthcare career. There are numerous opportunities in healthcare, from nurses to doctors, surgical technicians to home health aides. Educational requirements vary for different healthcare occupations, but some positions only require a certificate, which could take anywhere from several weeks to a year.

By following the recommendations in this article, and any requirements in your place of employment, you could stay germ-free in your healthcare career!

 

Sources

1https://granitegold.com/blogs/cleaning/how-dirty-are-remote-controls-and-phones-as-opposed-to-obviously-dirty-places-like-toilet-seats | 2https://www.ualberta.ca/public-health/news/2017/september/is-your-cell-phone-really-10-times-dirtier-than-a-toilet-seat.html#:~:text=The%20news%20story%20highlighted%20two,bacteria%20than%20a%20toilet%20seat | 3https://www.cleanlink.com/hs/article/5-Adjustments-Cleaning-Pros-Make-To-Improve-Restrooms–29868#:~:text=Restroom%20floors.,higher%20than%20a%20sanitary%20surface | 4http://www.treehugger.com/green-home/ | 5https://www.cdc.gov/flu/about/burden/preliminary-in-season-estimates.htm#:~:text=During%20the%202021%2D2022%20influenza,during%20the%202011%2D2012%20season | 6https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4739597/# | 7https://www.cdc.gov/coronavirus/2019-ncov/your-health/about-covid-19.html | 8https://www.cdc.gov/salmonella/index.html | 9https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5074182/

 

 

Exploring Undergraduate Certificates: A Pathway to Focused Learning and Career Enhancement

Undergraduate students are increasingly earning competency certificates to develop proficiency in a field. In fact, certificates are the fastest growing post-secondary credential. That’s in comparison to associate’s and bachelor’s degree programs which typically cost students more in time, money, and commitment.

Certificates are designed for today’s students with targeted education and skill enhancement at an affordable and faster rate than many degree programs. They may also boost a student or employee’s resume with industry specific training to help them compete in the job market. For this reason, many undergraduate students pursue certificates as a skill step ladder. Sometimes this can be done in conjunction with a degree program and other times in lieu of one.

Understanding Undergraduate Certificates

These programs include short term and focused learning and skills attainment for earning a certificate. Certificates provide verification for the required work to show mastery of a specific subject area. Courses taken to earn a certificate focus on concentrated education, typically without including general study courses. That’s why a certificate usually recquire less time than the interim it takes to complete a degree program.

Certificate programs tend to vary in length, but generally take less than two years with many lasting less than a year. Students often have a thorough understanding of their specific interest when they’ve earned a certificate. On the other hand, they usually take a broader set that includes general courses for a degree.


The cost of certificate programs may vary. For instance, if students work toward a certificate within a four-year public college program, that may cost more than earning a certificate at a two-year public university. Certification programs usually cost less than degree programs.
Sometimes students earn certificates as stepping stones on the path to completing their degree program. Some schools require that certificate program students enroll in their undergraduate degree program. In fact, with degree enrollments in decline, many universities are starting certificate programs to boost their active student numbers.

Admissions and Prerequisites

Certificate programs may have different admission requirements depending on the school. But there are general guidelines that likely apply to many certificate programs. For instance, many certificate programs require applications and associated fees as well as a high school, or equivalent, degree.

Some certification programs may also require that enrollees have specific coursework on their transcript and maybe even cite a minimum GPA for those classes. Others could request a transcript for all former courses completed. Prerequisite classes sometimes count toward your certificate courses. So, submitting transcripts might be beneficial even if it’s not required. Typically, SATs and ACTs aren’t required for certificate programs.

Schools may include a certificate program along with their course offering for enrolled students. In these cases, eligibility for the certificate program may include a specific education level, for instance, senior year. Program admissions departments could also require a proposal or letter of intent, and some also want a resume. Other schools typically also require that students earning a certificate remain enroll in their degree program throughout the certification process.

Combining with Degree Programs

Undergraduate degree program enrollments are declining. So, many schools are offering certificate programs in order to boost student numbers. In fact, certificates are the fastest growing post-secondary credential. When combined with a degree program, certificates could benefit students as well as schools. That’s because certificate holders often learn industry specific training that may boost their career enhancement. This kind of specific skill-based learning often rounds out resumes with proof of relevant skill development for credentials that could stand out from the rest. Certificate programs also help schools enhance their offering for current students.

Credential stacking with certificates could provide a path for enrolled students to create a more versatile skillset. This strategy typically involves a sequence of targeted education and skills courses. Students can typically proceed through a certificate curriculum on a faster timeline than many traditional degree programs. They could also develop a deeper understanding of relevant tools and how to use them.

Benefits of Pursuing an Undergraduate Certificate

Certificate programs often provide an efficient route for students to earn career credentials, taking less time and money. That’s because these programs usually proceed faster and often cost less than traditional degree programs and are usually online. Benefits like these have potential to make stacking credentials easier and more convenient than a typical accelerated degree program. In fact, students pursuing certificates often earn credits that apply to an undergraduate degree as well. Industries increasingly value, and sometimes request, certification to verify relevant job skills and knowledge. Let’s explore additional benefits to certificate programs.

Diverse fields of study

From business and healthcare to technology and the arts, certificates reach across a diverse range of subjects. Each topic presents opportunities for several certifications. For instance, in healthcare students could pursue certificates in Medical Billing and coding, Phlebotomy, Dental Assistant, Pharmacy Technician, Clinical Medical Assistant, or Emergency Medical Technician (EMT). Earning certificates like these could help expand a student’s resume, give them more flexibility in career choices, and enhance their appeal to potential employers.

Certificate programs give individuals the chance to deepen knowledge in a variety of specific areas. Students may then discover if the career goals they’re considering match their potential job skills and experiences. Even if a nursing student finds out they don’t want to draw blood after earning their Phlebotomy certificate, it helps boost their resume and adds credits toward their degree.

Filling skill gaps

Sometimes certificate programs also help those in the workforce who may be seeking job enhancement. That’s. That’s because when pursuing a certificate, individuals could acquire targeted skills and practical training applicable to their chosen industry. This could serve as professional development to help address skill gaps, enhance employability, and improve job performance.

Some employers encourage, reimburse, or even cover certificate programs for employees as upskilling options. Typically, professional certifications provide validation for mastery of the subject matter and skills developed. These learning outcomes could enhance a certificate holder’s on-the-job practical skills and maybe even create potential for a promotion. So, certifications could benefit the workplace as well as the certified employee.

Flexibility and accessibility

Certificate programs tend to offer more flexibility than traditional degrees thanks to remote and part-time learning options as well as their targeted and accelerated coursework. Colleges are aware that certificate seeker are often also earning a degree or working and want to fit certificate studies into an already busy lifestyle.

Some of the ways schools help make certificates more accessible include part-time options, online learning, and evening classes. These flexible options give students with other commitments a chance to integrate a certificate program into their schedule. An accelerated learning rate also helps enrollees pursue a certificate without too much disruption because these programs often take a year or less. By contrast, traditional degree programs typically require two to four years of full-time enrollment.

Competency certificates hone in on specific skill acquisition and practical training with targeted courses. Certificate students often complete the program requirements without need for general studies classes. This has potential to free up more time for certificate seekers to meet other commitments while also achieving their education objectives.

Who Should Consider Undergraduate Certificates?

Undergraduate certificates often work well for enrolled students pursuing an associate or bachelor’s degree. But these certificate programs may also serve recent high school graduates, working professionals, career changers, as well as anyone seeking to upskill and expand their contribution at work.

Recent high school graduates could enroll in certificate courses as an efficient and cost-effective way to boost their qualifications for entry level opportunities or degree programs. Working professionals may earn a certificate for skill acquisition to help increase their potential for a promotion. Others who may be considering a career transition can pursue certificates to learn job ready skills missing from their resume. This could enhance their employability while also serving as a way to try out aspects of this potential career change.

Benefits of Undergraduate Certificates

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Career Opportunities

Certificate courses may help enhance marketable qualifications for career focused students as well as employed people. Some may jumpstart a career with a 3- or 6-month competency certificate such as web designer, real estate agent, personal trainer, or air traffic controller. These serve as examples for how certificate courses may open entry level career pathways.

Healthcare industry specific training also includes opportunities for career enhancement thanks to certificate programs. From healthcare newcomers earning a phlebotomy certificate to practicing nurses seeking to fast-track credentials for a promotion, certificates serve healthcare practitioners at various levels. Here are specific examples of career opportunities with associated certificate programs.

1 Licensed Practical/Vocational Nurse (LPN)


In the role of an LPN or LVN, you might find yourself tending to elderly patients, whether in their homes or within residential care facilities. The increasing prevalence of conditions such as diabetes and obesity is likely to generate a heightened need for nurses. Additionally, the growing prominence of outpatient care centers could result in an increased demand for LPN positions.

Median annual salary, 2023:

$59,730 per year

Projected employment, 2023-2033

3%

 

2 Surgical Technologist


As a Surgical Technologist, you have the opportunity to support medical teams and surgeons throughout the entire surgical process, including pre-operation, during the procedure, and post-operation. Prior to the surgery, your responsibilities may involve tasks such as sterilizing equipment and preparing the patient. In the course of the operation, you may aid doctors by passing instruments and maintaining an inventory of supplies. Subsequently, your duties could include tasks like applying bandages to the patient and replenishing supplies in the operating room.

Median annual salary, 2023:

$60,610 per year

Projected employment, 2023-2033

5%

 

3 Court Reporter


As a Court Reporters, you have the opportunity to generate verbatim transcriptions during trials, depositions, and various legal proceedings. Simultaneous captioners offer comparable transcriptions for television or presentations in diverse settings, like press conferences and business meetings, catering to individuals who are deaf or hard of hearing.

Median annual salary, 2023:

$63,940 per year

Projected employment, 2023-2033

2%

 

4 Fire Investigator/Inspector


As Fire Investigators/Inspectors, you have the responsibility of examining fire scenes to identify their origin and cause. Your tasks include assessing fire damage, gathering evidence, and conducting witness interviews to reconstruct the events leading to the fire. Additionally, you inspect structures to ensure compliance with fire codes and safety regulations, providing recommendations for improvements as needed. Your role is crucial for preventing future fires and enhancing overall fire safety.

Median annual salary, 2023:

$74,160 per year

Projected employment, 2023-2033

5%

 

 

Conclusion

Earning an undergraduate certificate could springboard new job opportunities or enhance a stagnant career. Certificate programs offer a variety of flexible learning options from a 3-month online course to a year of skill-based learning on site at a university. You could explore targeted education opportunities like these to deepen your knowledge and career prospects.

Exploring Bootcamps: Accelerate Your Path To Skill Mastery

In today’s rapidly evolving professional landscape, the demand for targeted skills and efficient learning pathways has never been greater. Enter bootcamps—a dynamic approach to education that’s redefining how individuals acquire in-demand skills for a successful career. With an emphasis on intensive learning, career-focused education, and fast-tracking skills, bootcamps are emerging as a powerful means of rapid skill acquisition in a variety of fields.

Gone are the days when a traditional four-year degree was the only path to professional success. In this era of innovation, where industries could transform in the blink of an eye, bootcamps have emerged as a compelling alternative. These programs typically offer an accelerated journey to proficiency, enabling learners to quickly gain skills and knowledge and enter the workforce with a competitive edge.

In this article, we’ll delve into the world of bootcamps, exploring their essence of intensive learning and their laser-focused approach to career-oriented education. Whether you’re a recent high school graduate, a career changer, or someone looking to stay ahead of the curve, join us on a journey to uncover the potential of bootcamp courses.

What Are Bootcamps?

Bootcamps are intensive, short-term education programs that focus on teaching specific skills or subjects within a condensed timeframe. These programs are designed to provide practical, hands-on learning experiences and job-ready training geared to equip individuals with the skills needed for a particular job or career path. Bootcamps typically prioritize real-world application, experiential learning, and industry relevance.

Bootcamps typically cover a wide range of subjects, including coding, data science, digital marketing, cybersecurity, design, healthcare, and more. They aim to bridge the gap between traditional education and the rapidly changing needs of the job market. Bootcamps often emphasize project-based learning, collaboration, and building a portfolio of work to showcase to potential employers.

Key Characteristics

Key characteristics of bootcamps include:

  1. Short duration: Bootcamps are typically shorter than traditional degree programs, lasting anywhere from a few weeks to a few months. This condensed timeframe could allow participants to quickly acquire skills and enter the workforce.
  2. Intensive learning: Bootcamps provide an intensive and immersive education, focusing on hands-on experiences and practical training. Participants often spend a significant portion of their time working on real-world projects.
  3. Focused curriculum: Bootcamps have a specific and focused curriculum—bootcamp courses are tailored to the skills required for a particular job or industry. They cut out general education courses and dive directly into the relevant content.
  4. Industry alignment: Bootcamps are often developed in collaboration with industry experts and employers. This could help ensure that the bootcamp courses are up-to-date and aligned with current industry trends and demands.
  5. Flexible learning options: Bootcamps may be offered in various formats: there are in-person bootcamps and online bootcamps, as well as bootcamps that are full-time, part-time , and self-paced. This flexibility caters to a diverse range of learners and schedules.
  6. Job placement support: Many bootcamps offer job placement assistance, resume building, interview coaching, and networking opportunities to help participants with career transition after completing the program.

It’s important to research and choose reputable bootcamp providers to ensure that the program’s quality, content, and learning outcomes align with your career goals and expectations.

Diverse Bootcamp Domains

The world of bootcamp education is expansive, catering to a multitude of career paths. Aspiring coders could immerse themselves in coding bootcamps, gaining proficiency in programming languages like Python, JavaScript, and Ruby. Meanwhile, web development bootcamps delve into the art of crafting interactive and visually appealing websites, encompassing frontend and backend technologies.

Venturing into the realm of data science, bootcamps equip learners with the analytical skills required to mine insights from complex datasets. Design bootcamps nurture creative talents, teaching the principles of user experience (UX) and user interface (UI) design. Digital marketing bootcamps, on the other hand, guide participants through the intricacies of online advertising, social media strategies, and SEO techniques.

Advantages of Bootcamps

Bootcamps, whether they’re focused on coding, data science, digital marketing, or other fields, offer several advantages that make them an appealing option for individuals seeking to quickly gain practical skills and enter the workforce. Here are some of the key advantages of bootcamps.

  1. Accelerated learning: Bootcamps are designed to provide intensive and focused training within a short period, typically ranging from a few weeks to a few months. This accelerated learning format allows participants to acquire necessary skills in a condensed timeframe.
  2. Practical skills: Bootcamps are known for their hands-on, project-based approach. Participants typically work on real-world projects and scenarios, gaining practical skills that may be directly applicable to the job market.
  3. Industry-relevant content: Bootcamps are often developed in collaboration with industry professionals and employers. This helps to ensure that the curriculum aligns with current industry trends, tools, and technologies, making graduates more marketable to potential employers.
  4. Career switching: Bootcamps could provide a pathway for individuals to switch careers or enter a new field. They offer a streamlined route to acquire the skills needed to transition into a different job role without the time commitment of traditional degree programs.
  5. Networking opportunities: Bootcamps may bring together a diverse group of participants, potentially creating opportunities for networking and collaboration. Connecting with classmates, instructors, and industry professionals could lead to helpful contacts and potential job opportunities.
  6. Supportive environment: Bootcamps strive to provide a supportive learning environment with experienced instructors and mentors who guide participants through the learning process. This support helps participants overcome challenges and stay motivated.
  7. Career services: Many bootcamps provide career services, such as resume building, interview preparation, and job placement assistance. This might be particularly beneficial for those looking to secure employment quickly after completing the program.
  8. Cost and time efficiency: Bootcamps may be more cost effective than traditional degree programs, both in terms of tuition fees and the shorter duration. This could make them an attractive option for individuals looking for a faster return on investment.
  9. Flexibility: Many bootcamps offer a variety of formats, including in-person, online, full-time, and part-time options. This flexibility allows participants to choose a program that could fit their schedule and learning preferences.
  10. Focus on marketable skills: Bootcamp courses tend to focus on skills that are in high demand in the job market. This focus on specific, job-relevant skills could increase graduates’ chances of securing employment in their chosen field.

Who Should Consider Bootcamps

Bootcamps have gained prominence as a dynamic solution for individuals seeking to acquire specific skills, change careers, or stay current in an ever-changing professional landscape.

Bootcamps are not limited to a single demographic; they cater to a broad spectrum of individuals with varying aspirations and goals. Recent graduates find value in bootcamps as a means to bridge the gap between their academic qualifications and the practical skills required by employers. These immersive programs empower them to enter the workforce with a competitive edge, ensuring a smoother transition from academia to industry.

For career switchers, bootcamps provide a streamlined route to enter a new field without committing to a full-fledged degree program. Professionals seeking career enhancement and career growth within their current roles could leverage bootcamps to acquire focused skills that enhance their contributions and open doors to new opportunities. Additionally, lifelong learners and enthusiasts looking to explore new interests find bootcamps to be an accessible and engaging way to gain hands-on experience.

Because one of the standout features of many bootcamps is their flexibility, they may be an attractive option for individuals with busy schedules. Many bootcamps offer part-time, online, and self-paced formats, allowing learners to balance their education with existing commitments. This accessibility democratizes learning, enabling individuals from various walks of life to engage with educational opportunities that might have been otherwise unattainable.

Furthermore, the fast-paced nature of bootcamps is particularly suited for those looking to adapt swiftly to industry changes. With their focused curriculum and practical approach, bootcamps compress the learning curve, equipping participants with relevant skills in a short span.

Bootcamps Infographic

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Choosing the Perfect Bootcamp

With the vast array of bootcamps, finding one that aligns with your goals could be a pivotal step in your educational journey. As you embark on this  path, here are some tips that could guide you in making an informed choice to help maximize your learning experience.

Researching Course Content and Curriculum

The heart of any bootcamp lies in its curriculum. Before enrolling, dive deep into the content of bootcamp courses it resonates with your learning objectives. Scrutinize the topics covered, the depth of material, and the relevance to your desired field. A curriculum should encompass both foundational concepts and advanced techniques, preparing you to tackle real-world challenges.

Evaluating Instructor Qualifications

The quality of instruction could directly impact your learning outcomes. Investigate the qualifications and expertise of the instructors who will guide you through the program. Instructors with practical industry experience and a deep understanding of the subject matter could enhance the value of the bootcamp, offering industry insights that textbooks alone might not provide.

Considering Student Reviews and Testimonials

Peer feedback could offer insights into the effectiveness of a bootcamp. Delve into student reviews and testimonials to gauge the overall satisfaction level and experiences of past participants. Candid insights from those who have walked the same path could provide a realistic view of the bootcamp’s strengths, weaknesses, and the kind of support you could expect.

Analyzing Job Placement Rates and Alumni Success

A significant measure of a bootcamp’s success lies in the employability of its graduates. Investigate the bootcamp’s job placement rates and alumni success stories. High job placement rates might indicate that the bootcamp equips students with the skills needed to secure meaningful employment in their chosen fields. Alumni success stories could showcase how the bootcamp’s training translates into real-world achievements.

Aligning with Personal Learning Goals

Each learner’s journey is unique, driven by personal aspirations and goals. Ensure that the bootcamp you choose aligns with your specific career objectives. Whether you’re seeking to switch careers, upskill within your current role, or explore a new field, the bootcamp should offer a curriculum that caters to your needs.

Considering Format and Flexibility

The format of the bootcamp is another critical factor to consider. Evaluate whether the bootcamp offers in-person, online, part-time, or full-time options that accommodate your schedule and learning preferences. Flexibility in learning format could ensure that you are able to seamlessly integrate education into your life.

While there are many benefits to bootcamps, it’s important for aspiring bootcamp participants to be aware of the challenges that come along with this fast-paced learning experience.

The Intensity of the Curriculum

One of the defining characteristics of bootcamps is their fast-paced curriculum. The condensed nature of these programs means that you’ll typically be exposed to a significant amount of information in a short span of time. This could be both exciting and overwhelming. To tackle this challenge:

  1. Stay organized: Keep track of your learning materials, assignments, and progress. Create a study schedule that breaks down each topic into manageable portions.
  2. Prioritize learning: Understand that not every concept could be mastered instantly. Focus on grasping the core concepts before moving on to more advanced topics.
  3. Practice regularly: Consistent practice may be key to retaining knowledge. Set aside time each day for coding exercises and projects.

Time Commitments

Bootcamps often demand a substantial time commitment. Balancing the demands of the bootcamp with your personal and professional responsibilities might be a real challenge. Here’s how to manage your time effectively:

  1. Set realistic expectations: Acknowledge that the bootcamp could require a significant time investment. Communicate your commitment to friends and family so they understand your schedule.
  2. Time management: Plan your days carefully. Allocate specific blocks of time for learning, practice, breaks, and other commitments.
  3. Avoid burnout: Remember that quality is usually more important than quantity. Overloading yourself might lead to burnout. Take breaks and engage in activities that help you recharge.

Financial Investment

While bootcamps offer an expedited path into the tech industry, they might come with a hefty price tag. Managing the financial aspect could be challenging, but there are ways to ease the burden:

  1. Research payment options: Many bootcamps offer flexible payment plans, scholarships, or income-sharing agreements. Explore these options to determine what works for your financial situation.
  2. Budget wisely: Plan your expenses throughout the bootcamp duration. Cut down on unnecessary costs and prioritize expenditures.
  3. Consider the ROI: Think of the bootcamp as an investment in your future. Research the average salaries for bootcamp graduates in your desired field to assess the potential return on your investment.

Managing Expectations

It’s easy to approach a bootcamp with sky-high expectations. While these programs may be transformative, it’s important to manage your expectations realistically:

  1. Embrace the learning curve: Understand that you’re embarking on a journey of growth. Mistakes and challenges are part of the learning process.
  2. Celebrate small wins: Acknowledge your progress, no matter how incremental it might seem. Each small achievement brings you closer to your goals.
  3. Be patient: Mastery takes time. Don’t expect to be an “expert” by the end of the bootcamp. Instead, focus on building a strong foundation that you could continue to build upon.

Staying Motivated

Bootcamps may require sustained motivation to overcome the hurdles and complete the program successfully. Here’s how to keep your motivation levels up:

  1. Set clear goals: Define your short-term and long-term goals. Having a clear vision of what you’re working toward could keep you motivated during challenging times.
  2. Find a support system: Connect with fellow bootcamp participants, mentors, or online communities. Sharing your experiences and challenges with others may provide emotional support.
  3. Celebrate progress: Regularly reflect on how far you’ve come since the start of the bootcamp. Recognizing your growth could reignite your motivation.

Maintaining Work-Life Balance

The intensive nature of coding bootcamps might blur the lines between work and personal life. Striking a balance may be crucial for your overall well-being:

  1. Set boundaries: Define clear boundaries between your bootcamp commitments and personal time. Avoid the temptation to work around the clock.
  2. Prioritize self-care: Allocate time for activities you enjoy outside of coding. Engage in exercise, hobbies, and spending quality time with loved ones.
  3. Practice mindfulness: Incorporate mindfulness techniques into your routine to stay grounded and reduce stress.

Beyond the Bootcamp: Navigating the Path of Continuous Learning and Growth

Completing a coding bootcamp is a significant accomplishment that could equip you with the skills and knowledge needed to embark on a career in the dynamic world of software development. However, the journey generally doesn’t end there. In fact, it could be just the beginning of a lifelong commitment to continuous learning, growth, and professional development.

Embracing Continuous Learning

The tech industry is constantly evolving, with new programming languages, frameworks, and tools emerging regularly. As a graduate of a coding bootcamp, staying up-to-date with these industry trends may be critical for remaining competitive in the job market. Here’s how you could make continuous learning a cornerstone of your post-bootcamp journey:

  1. Read and research: Regularly read blogs, articles, and online resources to stay informed about the latest developments in technology. Follow thought leaders and industry experts to gain insights into emerging trends.
  2. Online courses: Enroll in online courses, tutorials, and workshops to expand your skill set. There are a plethora of options.
  3. Personal projects: Undertake personal projects that align with your interests. This not only solidifies your learning but also showcases your skills to potential employers.

Networking within the Field

Building connections with professionals in your field could open doors to job opportunities, collaborations, and mentorship. Here’s how you might effectively network after completing your bootcamp:

  1. Attend tech meetups and conferences: Participate in local meetups and conferences related to coding, development, and technology. These events could provide excellent networking opportunities and a chance to learn from industry leaders.
  2. Use online platforms: Join online communities, forums, and social media groups related to your areas of interest. Engage in discussions, ask questions, and share your insights.
  3. Connect with alumni: Reach out to fellow bootcamp graduates. They could provide insights, advice, and potential connections in the industry.

Pursuing Further Education

While a coding bootcamp is designed to provide a solid foundation, some individuals might feel the need to deepen their knowledge further. Advanced bootcamp programs and further education options could help you stand out in a specific area or gain a deeper understanding of complex concepts:

  1. Advanced bootcamps: Many bootcamp providers offer advanced programs that focus on targeted skills or advanced topics. These programs could help you further refine your skills and knowledge.
  2. Formal education: Consider pursuing a formal degree in computer science or a related field if you’re looking to build a strong academic foundation. This option might be particularly appealing if you’re aiming for more research-oriented roles.

Building a Portfolio

As you continue your journey in the tech industry, a well-constructed portfolio could become an important asset. A portfolio is meant to showcase your skills, projects, and accomplishments, providing potential employers with tangible evidence of your capabilities.

Conclusion

Whether you’re a recent graduate, a career switcher, a professional seeking career growth, or simply someone with an insatiable curiosity, bootcamps could offer an impactful educational journey as well as taking a graduate degree programs. With their flexible learning options and industry-relevant curricula, bootcamps stand as a testament to the power of accessible, adaptable, and targeted education in the modern world.

10 Top-Paying Careers Requiring an Associate Degree

 

Pursuing an associate degree could be a great career move, opening up positions that might not be available to those with only a high school diploma or GED. In addition to a broader range of career opportunities, earning an associate degree could also boost your earning potential. The Bureau of Labor Statistics (BLS) reported that in 2023, the median usual weekly earnings for those who hold an associate degree was $1,058 more than that of those who had only earned their high school diploma.

top paying associate degrees

In this article, we list 10 top-paying careers that typically require an associate degree at the entry level, as specified by the BLS.

Also make sure to check out our article “10 Top In-Demand Careers Requiring an Associate Degree.”

1 Air Traffic Controller


What they do

Air traffic controllers monitor and coordinate the movement of aircraft on the ground and in the air. They direct pilots through takeoff and landing and provide them with updates about weather and other critical information. They use radio equipment, radar, and computers in their work. 

Typical entry-level education

Associate or bachelor’s degree through a Federal Aviation Administration  (FAA)-approved Air Traffic Collegiate Training Initiative

Median annual salary, 2023:

$137,380

Projected employment, 2032

23,000

2 Radiation Therapist


What they do

Radiation therapists administer radiation to cancer patients. They need to calibrate and operate machines such as linear accelerators and make sure they position the machine correctly. They also educate and explain the procedure to patients. 

Typical entry-level education

Associate or bachelor’s degree in radiation therapy

Median annual salary, 2023:

$98,300

Projected employment, 2032

15,900

3 Dental Hygienist


What they do

Dental hygienists clean and polish teeth, removing plaque and tartar. They conduct an examination, looking for any signs of dental disease. They might take X-rays or apply sealants to protect the teeth. They discuss oral health with patients and the importance of diet. 

Typical entry-level education

Associate degree in dental hygiene

Median annual salary, 2023:

$87,530

Projected employment, 2032

219,400

4 Diagnostic Medical Sonographer


What they do

Diagnostic medical sonographers use a special instrument called a transducer to create images of a patient’s organs and tissues. Physicians use the images, referred to as ultrasounds or sonograms, to diagnose disease. There are a number of types of sonographers, including cardiac sonographer, abdominal sonographer, and pediatric sonographer. 

Typical entry-level education

Associate degree in sonography

Median annual salary, 2023:

$80,850

Projected employment, 2032

142,800

5 Avionics Technician


What they do

Avionics technicians repair electric instruments in aircraft. They use using circuit testers, oscilloscopes, and voltmeters to test the instruments and repair any defective components. They also assemble components, install instrument panels, and keep records of maintenance and repairs. 

Typical entry-level education

Associate degree in avionics

Median annual salary, 2023:

$75,400

Projected employment, 2032

161,000

6 Aerospace Engineering and Operations Technologist/ Technician


What they do

These professionals work with equipment used to develop, test, produce, and sustain aircraft and spacecraft. They are responsible for installing, running, and maintaining the equipment, and often meet with aerospace engineers to discuss test results. One type of equipment they might work on is wind tunnels. 

Typical entry-level education

Associate degree in engineering technology or a related field

Median annual salary, 2023:

$75,400

Projected employment, 2032

10,200

7 Respiratory Therapist


What they do

Respiratory therapists work with patients who have breathing issues, ranging from an infant with a collapsed lung to an older patient who has a breathing condition such as asthma or COPD. They examine patients, conduct diagnostic tests, and treat patients to improve their breathing. 

Typical entry-level education

Associate degree in respiratory therapy

Median annual salary, 2023:

$77,960

Projected employment, 2032

133,100

8 Electrical and Electronic Engineering Technologist/Technician


What they do

Electrical and electronic engineering technologists and technicians work with engineers to help design and develop electrical and electronic equipment such as computers. They assemble, calibrate, and repair electrical equipment, draw design diagrams, and monitor the design process for technical issues. They test electronic equipment and analyze the information from the test.  

Typical entry-level education

Associate degree in electrical or electronic engineering technology 

Median annual salary, 2023:

$72,800

Projected employment, 2032

102,500

9 Radiologic Technologist/Technician


What they do

Radiologic techs, also known as radiographers, perform diagnostic tests using equipment such as X-ray machines and CT (computed tomography) scanners. They set up the equipment, position patients, and take images. They typically work with physicians and other healthcare professionals to review and evaluate the images.

Typical entry-level education

Associate degree in radiography

Median annual salary, 2023:

$76,020

Projected employment, 2031

264,100

10 Occupational Therapy Assistant


What they do

Occupational therapy involves helping people who have been ill, injured, or have conditions such as Parkinson’s disease recover the physical skills needed for daily life. Occupational therapy assistants work with under the supervision of occupational therapists to help patients in a variety of ways. They assist them with exercises, teach them how to use special equipment, and record their progress. They might also collaborate with the therapist to develop and carry out treatment plans.  

Typical entry-level education

Associate degree from an accredited occupational therapy assistant program

Median annual salary, 2023:

$65,450

Projected employment, 2032

$49,000

Source: https://www.bls.gov/

Based on national data, not school-specific information. Conditions in your area may vary. Accessed 8/9/2023. 

 

10 Top In-Demand Careers Requiring an Associate Degree

 

Earning a high school diploma or GED is a great accomplishment—but now what? You may want to pursue further education to increase your career options, but might not want to commit to 4 more years to earn a bachelor’s degree. 

Pursuing an associate degree could be a great solution for you. You could typically complete a program in 2 years, and many jobs requiring an associate degree are in high demand. In this article, we explore the top 10 in-demand careers that require an associate degree and provide information about which industries these careers are in most demand. The rankings that follow are based on the number of projected jobs in 2031, not growth rate. See the infographic for information about the fastest-growing jobs that require an associate degree. 

Also make sure to check out our article “10 Top Top-Paying Careers Requiring an Associate Degree.”

Top 10 In-Demand Careers

1 Computer Support Specialist


Industries with the highest levels of employment in Computer Support Specialists, 2022:

IndustryEmploymentAnnual mean wage 
Computer Systems Design and Related Services 160,800$59,700
Employment Services43,800$55,230
Management of Companies and Enterprises38,150$62,970 
Elementary and Secondary Schools 35,360 $54,450
Software Publishers 29,570 $70,960 

What They Do:

Provide technical support to computer users; maintain networks

Employment, 2022

914,100

Projected employment, 2032

963,300

2 Preschool Teacher


Industries with the highest levels of employment in Preschool Teachers, 2022:

IndustryEmploymentAnnual mean wage 
Child Care Services 290,870$34,480
Elementary and Secondary Schools75,700$53,200
Individual and Family Services 12,530$39,470
Religious Organizations 7,240$40,960
Local Government, excluding schools and hospitals (OEWS Designation) 6,490$45,140

What they do:

Care for and teach basic skills to children who have not yet entered kindergarten

Employment, 2022

512,300

Projected employment, 2032

529,600

3Paralegal/Legal Assistant


Industries with the highest levels of employment in Paralegals and Legal Assistants, 2022:

IndustryEmploymentAnnual mean wage 
Legal Services 263,170$60,570 
Local Government, excluding schools and hospitals (OEWS Designation) 16,420$61,190 
Federal Executive Branch (OEWS Designation) 15,080 $76,310 
State Government, excluding schools and hospitals (OEWS Designation) 10,850 $52,900 
Management of Companies and Enterprises 6,890 $84,260 

What they do:

Assist lawyers in conducting research, writing drafts and reports, and maintaining files

Employment, 2022

354,300

Projected employment, 2032

369,100

4Radiologic and MRI Technologist


Industries with the highest levels of employment in Radiologic and MRI Technologists, Postsecondary, 2022:

IndustryEmploymentAnnual mean wage 
General Medical and Surgical Hospitals125,430 $71,260 
Offices of Physicians 40,390 $62,220 
Medical and Diagnostic Laboratories 16,060 $70,460 
Outpatient Care Centers 15,050 $81,530 
Federal Executive Branch (OEWS Designation) 5,980 $78,160 

What they do:

Perform diagnostic tests on patients with equipment such as magnetic resonance imaging (MRI) scanners; adjust and maintain equipment

Employment, 2022

264,100

Projected employment, 2031

279,600

5Dental Hygienist


Industries with the highest levels of employment of Dental Hygienists, 2022:

IndustryEmploymentAnnual mean wage 
Offices of Dentists 203,330$85,110
Employment Services 2,630$88,670
Offices of Physicians 2,080$77,070
Outpatient Care Centers 1,850$86,580
Federal Executive Branch (OEWS Designation) 870$69,450

What they do:

Clean and polish teeth, look for dental disease, educate patients about oral health

Employment, 2022

219,400

Projected employment, 2032

235,700

6Physical Therapist Assistant/Aide


Industries with the highest levels of employment in Physical Therapist Assistants and Aides, 2022:

IndustryEmploymentAnnual mean wage 
Offices of Other Health Practitioners 44,900 $59,970 
General Medical and Surgical Hospitals 17,640 $63,430 
Home Health Care Services 11,810 $78,360 
Nursing Care Facilities (Skilled Nursing Facilities) 8,950 $72,800 
Offices of Physicians 4,810 $59,310 

Typical entry-level education

Master’s degree in social work

Employment, 2022

145,100

Projected employment, 2032

172,700

7Diagnostic Medical Sonographer


Diagnostic Medical Sonographer

IndustryEmploymentAnnual mean wage 
General Medical and Surgical Hospitals 45,770 $84,340 
Offices of Physicians 20,220 $82,890 
Medical and Diagnostic Laboratories 8,510 $78,190 
Outpatient Care Centers 3,240 $113,680 
Employment Services 920 $79,550 

What they do:

Conduct tests and create images using sonography equipment

Employment, 2022

142,800

Projected employment, 2032

156,900

8Respiratory Therapist


Industries with the highest levels of employment in Respiratory Therapists, 2022:

IndustryEmploymentAnnual mean wage 
General Medical and Surgical Hospitals 97,800$74,240 
Specialty (except Psychiatric and Substance Abuse) Hospitals 7,720 $72,600 
Nursing Care Facilities (Skilled Nursing Facilities) 4,950 $69,770 
Employment Services 3,280 $108,330
Professional and Commercial Equipment and Supplies Merchant Wholesalers 2,490 $63,610 

What they do:

Master’s degree from a physician assistant program

Employment, 2022

133,100

Projected employment, 2032

149,800

9Electrical and Electronic Engineering Technologist/Technician


Industries with the highest levels of employment in Veterinary Technologists and Technicians, 2022:

IndustryEmploymentAnnual mean wage 
Veterinary and Photography Services 109,230 $40,300  
Colleges, Universities, and Professional Schools 2,850 $47,680 
Social Advocacy Organizations 2,200 $39,310 
Other Personal Services 1,560 $39,180 
Scientific Research and Development Services 740 $62,030 

What they do:

Aid veterinarians in conducting tests, examining, and caring for animals

Employment, 2022

122,900

Projected employment, 2032

148,100

10Medical Equipment Repairer


Industries with the highest levels of employment in Medical Equipment Repairers, 2022:

IndustryEmploymentAnnual mean wage 
Elementary and Secondary Schools24,070 $63,790 
Electronic and Precision Equipment Repair and Maintenance 10,770 $59,060 
General Medical and Surgical Hospitals 6,630 $71,320 
Rental and leasing services (5322, 5323, and 5324 only) 4,180 $43,500 
Outpatient Care Centers 3,600 $56,280 

What they do:

Repair and maintain medical equipment such as ventilators, anesthesia machines, electric wheelchairs, and hospital beds

Employment, 2022

66,400

Projected employment, 2032

75,100

 

Source: https://www.bls.gov/

Based on national data, not school-specific information. Conditions in your area may vary. Accessed 8/9/2023. 

10 Common Job Interview Questions and How to Answer Them

Nerves may hit along with the excitement when you reach the interview stage of an employment opportunity. Luckily, you could learn from those who’ve asked and answered before. Here, we provide you with a helpful guide for job interview preparation with these common job interview questions. We’ll explore questions job candidates often face, discuss why the interviewer might be asking the question, and provide tips on how to respond.

1. Tell Me A Bit About Yourself And Your Work Experience

This is the first in the list of common job interview questions. It’s common for an interviewer to start with a “non-question” like this. This question works a lot like an overarching personality test. Consider questions like this as an opportunity to highlight your special features that may not come through in the forthcoming standard interview questions.

Why Do Interviewers Ask This Question?

This question is a good way for both you and the interviewer to ease into the interview. But it’s also a way for the interviewer to assess your temperament, confidence, ability to communicate, and priorities.  

At base, interviewers are looking for a competent candidate with enthusiasm for the work who could play a functional role on their team. On a more general level, people spend a lot of their time in life at work. So, interviewers might also look for signs of a personality match with the current team and dynamic.

How To Respond to Common Job Interview Questions Like This?

Think of your response as a story, one that highlights your interests, background, and future goals. As with stories, it could be helpful to structure your response to help make it organized and concise and keep you on track. One possible structure is “past, present, future.” Begin by discussing how you became interested in the field, your past work experiences, and your achievements in those positions. Next, transition to your current situation, and then to your hopes for the future.

Make your response specific, and consider including a few details about hobbies and interests outside of work. This is a chance to let your personality shine!

2. Why Do You Want To Work At This Company In This position?

Take note that this is a two-part question. You’re being asked what appeals to you about this workplace as well as the job opening within it. It’s essentially one of the most common job interview questions about your motives.

Why Do Interviewers Ask This Question?

Potential employers want to hear about why you’re interviewing for this particular job in this particular company. It’s important to them that job candidates know what they’re signing up for when applying to work with them. This question helps them determine if that’s the case and reveals your level of interest in the company as well as your potential role.

How To Respond to Common Job Interview Questions Like This?

A good way to prepare for this question may be to ask yourself, Why this job and this company? Then, you could answer in a way that’s true to yourself and suited to the potential employer’s expectations. Consider checking the company website for their mission statement and look for goals that parallel your own purpose.  

Prepare with research and insights into what makes the company special and how you might fit in and make helpful contributions. Answer with passion—this is a perfect time to show your enthusiasm for the company. Showing excitement for the position and company could help you build rapport with the interviewer while also spotlighting yourself as a match.

3. How do you manage challenging situations at work? Please give an illustrative example from your last job

This common job interview question presents a dual challenge. That’s because an answer reveals how you see work challenges, based on the way you frame the situation in your story. Ideally, you give the interviewer a lens into how you could manage stressful situations in the workplace.

Why Do Interviewers Ask This Question?

Interviewers want to assess your adaptability for managing stress in different types of challenges. They want to know that you have a set of tools and techniques for handling difficult situations that allow for flexibility.

How To Respond to Common Job Interview Questions Like This?

Give a specific example of how you handled stress and pressure at work. Keep this story relevant to the position you’re interviewing about. Focus on your personal growth, the skills you used, and the lessons you learned to help make your story compelling while also highlighting your abilities.

4. When you have multiple projects at the same time, how do you stay organized and on time? What’s an example of this in action from the recent past?

Organization and timeliness may be key in the workplace no matter your role. Many people have trouble juggling more than one task at a time—you want to show that you have the tools and ability to do so.

Why is This one of the Most Common Interview Questions?

Interviewers want to see indicators that you know how to manage a workload, meet deadlines, and set priorities. They also want to see that you are able to communicate and collaborate, because these parts of staying organized and on time as part of a team.  

How To Respond to Common Job Interview Questions Like This?

There are many ways to stay organized and on time—which means there’s not a singular answer for this. So, when you prep your answer, think about specific ways you manage your time and the organizational practices you use.

Give an example from a typical workday that shows your time and organization systems in action along with how you share needs and expectations with your team. You might want to keep this answer especially succinct and organized—given the subject matter. For example, you might follow an outline of sorts by framing the answer with <em>First, second, then, and last.</em> It may serve you to also account for unexpected changes and show some flexibility in your system so that you don’t appear overly rigid.

Many employers utilize systems and apps to help employees stay on track. So, if you’ve used them, it may serve you to mention this experience and talk about how it helped your process.

5. What can you tell me about a time when you made a mistake at work? What happened, and how did you handle the situation from start to finish?

We all make mistakes, and the way we handle them could reveal a lot about what we’re like at work. For instance, if a candidate won’t admit they’ve made mistakes, it might show they aren’t great at accountability.

Why Do Interviewers Ask This Question?

This question presents a great litmus test for a candidate’s personality and temperament. For instance, if you answer the question with a harsh indictment of your mistake, you might be seen as being too harsh on yourself and perhaps others as well. Your answer could also show the interviewer how well you communicate and your teamwork style.

Interviewers want to know that you have the initiative to find solutions and ask for help. Even if the mistake was a mere misunderstanding, reaching out and asking for clarity could show that you are able to take action to fix matters.

How To Respond to Common Job Interview Questions Like This?

This question invites an example. So, give a specific instance of a minor mistake you’ve made and how you managed the situation. One way to use this question to your advantage could be to highlight positive qualities you may have used to solve it, such as communication and teamwork. You could also wrap up your answer with what you learned and how you use that lesson now to avoid making the same mistake again.


Check out the infographic below to learn more.

Common Job Interview Questions

6. Where do you see your career in 3 to 5 years?

Interviewers pose this standard question even if they don’t expect candidates to know where their career might be in the future. Mostly, it’s about checking where your head is career-wise. Are you thinking about where you’re going, how you’re doing, and what it means to you?  They’re looking for a motivated and productive mindset.

Why Do Interviewers Ask This Question?

Typically, the main objective of this question is to learn about how much you care about your career path. Interviewers are checking for short- and long-term goals. But they may not consider the actual goals as important as the fact that you have some. So, it’s not critical that your plans perfectly align with where you may wind up. Just have some goals. It shows you’re thinking about it.

How To Respond to Common Job Interview Questions Like This?

This question calls out for preparation. You may want to work toward aligning your goals with a career trajectory that follows naturally from the position they’re filling. Be enthusiastic about your goals and the possibilities for your career. Show your ambition, but be realistic—keep your goals achievable within the time frame.

7. Why did you leave your last job?

This question gives you a chance to highlight your ambitions and hopes to meet new challenges. It’s also an opportunity for you to ask why the position you’re applying for is open now. That could yield insight into what might lie ahead if you land the job.  

Why Do Interviewers Ask This Question?

Potential employers typically want to know several things: 1. Whether you were fired and, if so, why; 2. If you’re someone who has trouble staying interested in work and moves around a lot; 3. If any issues with your last job might also be issues in the position you are applying for.

How To Respond to Common Job Interview Questions Like This?

Interviewers want a clear and honest answer; simple works fine here. But it’s also important to keep your story as positive as possible. No matter how you may feel about your former or current job, there’s a bright side to every story, and this is a great place to shine a light on it.

You could talk about wanting to learn from a new environment and make a more significant contribution at a company that’s better suited to you. Your response could open a channel to talk about how this company and position could be one that you are excited to commit to.

8. What would you change about your current place of work if you could?

This question may be a little tricky. On the one hand, you don’t want to sound like you are bad-mouthing your current company. On the other hand, you want to focus on an issue that is significant and warrants changing.

Why Do Interviewers Ask This Question?

The interviewer wants a clear answer that tells them a concise story about a problem and solution relevant to their business and your potential role. This could help them understand how you might suit the position and fit into the company culture. It also puts your ambition level on display based on how big a change you’d like to make. Do you want to change a company fundamental? Or the kind of coffee in the break room?

How To Respond to Common Job Interview Questions Like This?

Among the many ways to answer this question, one key element crosses through all of them. Try to keep the topic to something you’re capable of changing. It grounds your proposal in a possible reality. Also, be specific. For example, you might talk about ways to open channels of communication such as creating a system for answering emails in a timely way or filtering irrelevant emails from the team inbox.

9. What’s your greatest achievement—the one about which you’re most proud?

It’s your time to shine. This question opens the floor for you to spotlight accomplishments. We’re all proud of something we’ve done. These achievements say a lot about us and may show not only how we see ourselves but also what we think matters most about our work.

Why Do Interviewers Ask This Question?

Interviewers are likely hoping for a relevant answer that suits the open position they’re attempting to fill. That could mean several things, from skills and experience to attitude and value alignment. So, stay relevant to the position you’re seeking, and talk about a measurable success.

They might also be looking for how you measure success at work. For example, if you see your greatest achievement as the blowout office parties you plan, you may not measure success in alignment with your interviewer.  

How To Respond to Common Job Interview Questions Like This?

This question highlights what you value most about yourself. For example, sharing a parenting story about overcoming a challenge with your kids might point to family values. That may align with the interviewer’s interest in you as a candidate. Perhaps they’ve been tasked with finding candidates who share the core values of their family values company. Answer this question honestly. Having a job that fits your values could increase the chances that you’ll be more invested at work.

10. What didn’t I ask you but should have?

This question could serve as an opportunity to fill gaps that may be left about your experience or skills. It’s also a chance to give the interviewer a more rounded perspective of you.

Why Do Interviewers Ask This Question?

This question may enable the interviewer to see how interested you are, how much you’ve been paying attention, and learn more about you. It’s also a low effort way for them to do all of this with a single question.

How To Respond to Common Job Interview Questions Like This?

Answering this question well could serve as a chance to spotlight listening skills and insight. Prepared candidates could also use this opportunity to talk about unmentioned strengths. Key to this question could be an alignment with the way the interviewer has set the stage. You’ve been answering their questions and gained familiarity with their priorities and interview style. Keep these aspects in mind.  

 

 

What Students Are Saying About Online Education

Online education or online learning has gotten its share of bad press, particularly before it became a necessity due to COVID-19. There was skepticism and mistrust about the quality of online courses. People wondered, Are online colleges legit? Is it possible to find a good online school? Online learning was sometimes seen as a less rigorous, less interactive, and less credible alternative to traditional classroom settings.

However, the COVID-19 pandemic forced an unprecedented shift to online learning for many educational institutions, and the numbers of online students increased significantly. Before COVID, in 2019, 37% of undergraduate and graduate students were enrolled in online college courses.1 In 2020, during the peak of COVID, the percentage jumped to 74%.2 Although the percentage decreased to 60% in 2021,2 it is still significant compared to pre-COVID numbers.

Does this increase in online students indicate a change in perception of the quality and desirability of online education? Aslanian Market Research, part of EducationDynamics (EdDY), has been conducting surveys of online students for a number of years in order to examine trends in the scope and perceptions of online education. Their results provide a window into what online college students are saying about this form of study.

Benefits of Online Education

Apparently, students have a lot of good things to say about online education!

Online study is worth the cost

Agree or strongly agree: 87%

Cost is typically a major consideration for students embarking on postsecondary education. They worry not only about the affordability of college, but also whether their expenditure will be worth it in the end.

In 2022, a whopping 87% of online students reported that their online education was worth the cost. This number has grown significantly over the years: In 2017, only 71% of online students agreed or strongly agreed that online education was worth the cost. In 2021, this number jumped to 74%, and in 2022, it reached 87%. This trend could indicate a positive shift in student perceptions of online learning.

Online study allows me to complete my studies faster

Agree: 86%

Online learning offers a unique advantage for students looking to expedite their studies and finish their programs faster. With the flexibility and accessibility that online platforms provide, students could have the freedom to create their own schedules and learn at their own pace, allowing them to optimize their time and focus on their coursework efficiently. Because online college classes can typically be taken at any time, students don’t have to worry about scheduling conflicts and might thus be able to fit in more courses in a shorter timeframe.

Additionally, online learning eliminates the need for commuting to a physical campus, saving time and energy.

My personal productivity is improved by studying online

Agree: 85%

The flexibility of online study gives students the freedom to choose when and where they study, which could allow for better alignment with their peak productivity hours. Moreover, online courses often provide resources such as recorded lectures, notes, and study materials, which could be revisited at any time for review and reinforcement, helping students achieve their educational goals more efficiently.

Online study might also result in fewer distractions—provided students create dedicated study spaces at home that are free from clutter and noise, and away from distractions such as social media or television—which means they could concentrate better and potentially achieve higher levels of productivity. And being able to take breaks as needed rather than at specified times could help reduce burnout and improve focus.

Online study made me more motivated to complete my studies

Agree: 84%

Motivation is an important component of achievement—without the drive to reach a particular goal, it could be very difficult to accomplish it. Online learning requires students to create their own schedule and stay on top of their studies—thus, students take ownership of their learning journey, which could make them more vested in seeing it through.

In addition, the majority of online students cited career-related factors, such as earning more money or getting a promotion, as their primary objective for pursuing an online degree. Students who have a specific objective focused on their career could be more motivated to complete their studies than those who haven’t identified any targeted goals for attending college.

I was able to easily navigate the technology and learning management system for my classes

Agree: 84%

With online education, being able to successfully interact with technology is particularly important, since it is the primary avenue for instruction. Apparently, the majority of online students have been able to rise to the challenge!

My teachers were prepared to teach online

Agree: 83%

The transition to online instruction posed significant challenges for many teachers in various aspects. Firstly, adapting to the technological tools and platforms required a steep learning curve for many educators. They had to quickly familiarize themselves with new software, video conferencing platforms, and online learning management systems, often with limited training and support.

Additionally, the shift from in-person to online instruction changed the dynamics of classroom management and student engagement. Teachers had to find innovative ways to recreate interactive learning experiences, foster meaningful discussions, and maintain student participation remotely.

Despite these difficulties, teachers have demonstrated remarkable resilience and adaptability, utilizing technology and pedagogical strategies to ensure effective online instruction and support their students’ learning journeys. And it seems that online students are happy with the results!

I had a connection to my teachers during my online study

Agree: 78%

I had a connection to my classmates during my online study

Agree: 72%

An early concern about online education was that it would be less interactive than traditional in-class education and make students feel isolated from their teachers and classmates. However, based on the EdDY study, this appears not to be the case for the majority of students.

Online colleges have had to transform the traditional classroom setting in order to provide opportunities for students to connect with their teachers and classmates. By leveraging technology, online programs offer students a range of virtual platforms to engage with instructors and peers, build relationships, and foster a sense of community. Through live virtual lectures or video conferencing, students could interact with their instructors in real time, ask questions, and receive personalized feedback. Additionally, virtual office hours and online chat rooms could allow students to engage more intimately with their instructors, creating a conducive environment for sharing insights, gaining clarification, and receiving academic support.

Students can also check available online graduate programs if looking for an opportunity to pursue graduate school online.


Check out the infographic below to learn more.

What Students Are Saying About Online Education

Want to use this Benefits of Online Education infographic on your site? Just use the code below!

Suggestions For Improvement

How could online education be improved? Students from the survey had several thoughts about that.

Online programs should include an introductory course about “how to study online” or workshops to prepare students for online study

Agree: 85%

While the majority of students agreed that they were able to easily navigate the technology in their online program, there is more to online education than the technology. Students who have never taken courses online might wonder, What is online college like? How do online colleges work? An orientation course could go a long way in helping students know what to expect and feel more comfortable as they begin their online education journey.

Online programs should include “cohorts” of students who have the same career goals in order to build relationships

Agree: 82%

The EdDY survey reports that the majority of students felt a connection with their peers, but it doesn’t reveal the extent or nature of these connections—in particular, whether students were able to build networking relationships within their field of study. Networking is considered by many to be an important component of finding a job and enhancing one’s career, and thus it should be a priority for online programs to find ways to help students create these types of connections.

Online courses should include virtual field trips and/or simulations

Agree: 76%

Ah, the school field trip! Many of us may have fond memories of the field trips taken throughout our years of primary and secondary education—and apparently online students are looking to recreate those experiences as well.

10 Top In-Demand Careers Requiring a Master’s Degree

 

Earning a master’s degree may become increasingly important for professionals looking to remain competitive and move up in their careers. Some industries require a master’s as a typical prerequisite for certain positions. This trend may be driven by the need for individuals to acquire targeted skills and knowledge, as well as the growing complexity of various industries.

In-Demand Careers Requiring a Master’s Degree  Master’s Degree Fast Facts
Typical time to complete: Usually or 1 or 2 years of full-time academic study beyond a bachelor’s degree  Formats: Online, hybrid, on-campus  Fastest-Growing Occupations Requiring a Master’s Degree, 2021:  Nurse practitioners 
46%  Statisticians
31%  Physician assistant
28%  Epidemiologist
26%  TIE: Speech-language pathologist
Computer and information research scientist
21%

The good news is that many jobs requiring a master’s are in high demand. In this article, we explore the top 10 in-demand careers that require a master’s degree and provide information about which industries these careers are in most demand. The rankings that follow are based on the number of projected jobs in 2033, not growth rate. See the infographic for information about the fastest-growing jobs that require a master’s degree.

Also make sure to check out our article 10 Top-Paying Careers Requiring a Master’s Degree.”

Top 10 In-Demand Careers

1 Computer Support Specialist


Industries with the highest levels of employment in Computer Support Specialists, 2022:

IndustryEmploymentAnnual mean wage 
Computer Systems Design and Related Services 160,800$59,700
Employment Services43,800$55,230
Management of Companies and Enterprises38,150$62,970 
Elementary and Secondary Schools 35,360 $54,450
Software Publishers 29,570 $70,960 

What They Do:

Provide technical support to computer users; maintain networks

Employment, 2022

914,100

Projected employment, 2032

963,300

2 Preschool Teacher


Industries with the highest levels of employment in Preschool Teachers, 2022:

IndustryEmploymentAnnual mean wage 
Child Care Services 290,870$34,480
Elementary and Secondary Schools75,700$53,200
Individual and Family Services 12,530$39,470
Religious Organizations 7,240$40,960
Local Government, excluding schools and hospitals (OEWS Designation) 6,490$45,140

What they do:

Care for and teach basic skills to children who have not yet entered kindergarten

Employment, 2022

512,300

Projected employment, 2032

529,600

3Paralegal/Legal Assistant


Industries with the highest levels of employment in Paralegals and Legal Assistants, 2022:

IndustryEmploymentAnnual mean wage 
Legal Services 263,170$60,570 
Local Government, excluding schools and hospitals (OEWS Designation) 16,420$61,190 
Federal Executive Branch (OEWS Designation) 15,080 $76,310 
State Government, excluding schools and hospitals (OEWS Designation) 10,850 $52,900 
Management of Companies and Enterprises 6,890 $84,260 

What they do:

Assist lawyers in conducting research, writing drafts and reports, and maintaining files

Employment, 2022

354,300

Projected employment, 2032

369,100

4Radiologic and MRI Technologist


Industries with the highest levels of employment in Radiologic and MRI Technologists, Postsecondary, 2022:

IndustryEmploymentAnnual mean wage 
General Medical and Surgical Hospitals125,430 $71,260 
Offices of Physicians 40,390 $62,220 
Medical and Diagnostic Laboratories 16,060 $70,460 
Outpatient Care Centers 15,050 $81,530 
Federal Executive Branch (OEWS Designation) 5,980 $78,160 

What they do:

Perform diagnostic tests on patients with equipment such as magnetic resonance imaging (MRI) scanners; adjust and maintain equipment

Employment, 2022

264,100

Projected employment, 2031

279,600

5Dental Hygienist


Industries with the highest levels of employment of Dental Hygienists, 2022:

IndustryEmploymentAnnual mean wage 
Offices of Dentists 203,330$85,110
Employment Services 2,630$88,670
Offices of Physicians 2,080$77,070
Outpatient Care Centers 1,850$86,580
Federal Executive Branch (OEWS Designation) 870$69,450

What they do:

Clean and polish teeth, look for dental disease, educate patients about oral health

Employment, 2022

219,400

Projected employment, 2032

235,700

6Physical Therapist Assistant/Aide


Industries with the highest levels of employment in Physical Therapist Assistants and Aides, 2022:

IndustryEmploymentAnnual mean wage 
Offices of Other Health Practitioners 44,900 $59,970 
General Medical and Surgical Hospitals 17,640 $63,430 
Home Health Care Services 11,810 $78,360 
Nursing Care Facilities (Skilled Nursing Facilities) 8,950 $72,800 
Offices of Physicians 4,810 $59,310 

Typical entry-level education

Master’s degree in social work

Employment, 2022

145,100

Projected employment, 2032

172,700

7Diagnostic Medical Sonographer


Diagnostic Medical Sonographer

IndustryEmploymentAnnual mean wage 
General Medical and Surgical Hospitals 45,770 $84,340 
Offices of Physicians 20,220 $82,890 
Medical and Diagnostic Laboratories 8,510 $78,190 
Outpatient Care Centers 3,240 $113,680 
Employment Services 920 $79,550 

What they do:

Conduct tests and create images using sonography equipment

Employment, 2022

142,800

Projected employment, 2032

156,900

8Respiratory Therapist


Industries with the highest levels of employment in Respiratory Therapists, 2022:

IndustryEmploymentAnnual mean wage 
General Medical and Surgical Hospitals 97,800$74,240 
Specialty (except Psychiatric and Substance Abuse) Hospitals 7,720 $72,600 
Nursing Care Facilities (Skilled Nursing Facilities) 4,950 $69,770 
Employment Services 3,280 $108,330
Professional and Commercial Equipment and Supplies Merchant Wholesalers 2,490 $63,610 

What they do:

Master’s degree from a physician assistant program

Employment, 2022

133,100

Projected employment, 2032

149,800

9Electrical and Electronic Engineering Technologist/Technician


Industries with the highest levels of employment in Veterinary Technologists and Technicians, 2022:

IndustryEmploymentAnnual mean wage 
Veterinary and Photography Services 109,230 $40,300  
Colleges, Universities, and Professional Schools 2,850 $47,680 
Social Advocacy Organizations 2,200 $39,310 
Other Personal Services 1,560 $39,180 
Scientific Research and Development Services 740 $62,030 

What they do:

Aid veterinarians in conducting tests, examining, and caring for animals

Employment, 2022

122,900

Projected employment, 2032

148,100

10Medical Equipment Repairer


Industries with the highest levels of employment in Medical Equipment Repairers, 2022:

IndustryEmploymentAnnual mean wage 
Elementary and Secondary Schools24,070 $63,790 
Electronic and Precision Equipment Repair and Maintenance 10,770 $59,060 
General Medical and Surgical Hospitals 6,630 $71,320 
Rental and leasing services (5322, 5323, and 5324 only) 4,180 $43,500 
Outpatient Care Centers 3,600 $56,280 

What they do:

Repair and maintain medical equipment such as ventilators, anesthesia machines, electric wheelchairs, and hospital beds

Employment, 2022

66,400

Projected employment, 2032

75,100

 

 

 

 

 

 

 

 

Source: https://www.bls.gov/

Based on national data, not school-specific information. Conditions in your area may vary. Accessed 8/9/2023. 

10 Top-Paying Careers Requiring a Master’s Degree

 

There are many reasons to pursue a master’s degree: to enhance your career, open the door to new opportunities, gain a competitive edge in the job market, build a professional network, and expand your skill set. These may be reasons enough for you to invest in earning a master’s degree, but one other benefit might help you solidify your decision: increased earning potential. The Bureau of Labor Statistics (BLS) reported that in 2021, the median annual salary for those who hold a master’s degree was $26,884 more than that of the average of all workers.1 In addition, many jobs that require a master’s degree command higher pay than those that don’t: nearly half of the occupations listed by the BLS as requiring a master’s have salaries of $80,000 or more. 

Top-Paying Careers Requiring a Master’s Degree  Typical time to complete: Usually or 1 or 2 years of full-time academic study beyond a bachelor’s degree  Formats: Online, hybrid, on-campus   Most common master’s degrees earned, 2021:  
Business: 202,334 
Education: 153,756 
Health professions and related programs: 142,025 
Computer and information sciences and support services: 54,174 
Public administration and social services: 49,388

In this article, we list 10 top-paying careers that typically require a master’s degree at the entry level, as specified by the BLS. Note that there are a number of careers—some that are often higher-paying than those listed here—that may not require a master’s, but for which a master’s degree might be preferred. This could be especially true for those who have earned an MBA or master’s in a business-related field. Refer to the “How to Become One” tab on the BLS site to learn more about the requirements for a particular career. 

Also make sure to check out our article 10 Top In-Demand Careers Requiring a Master’s Degree.”

1 Computer Support Specialist


Industries with the highest levels of employment in Computer Support Specialists, 2022:

IndustryEmploymentAnnual mean wage 
Computer Systems Design and Related Services 160,800$59,700
Employment Services43,800$55,230
Management of Companies and Enterprises38,150$62,970 
Elementary and Secondary Schools 35,360 $54,450
Software Publishers 29,570 $70,960 

What They Do:

Provide technical support to computer users; maintain networks

Employment, 2022

914,100

Projected employment, 2032

963,300

2 Preschool Teacher


Industries with the highest levels of employment in Preschool Teachers, 2022:

IndustryEmploymentAnnual mean wage 
Child Care Services 290,870$34,480
Elementary and Secondary Schools75,700$53,200
Individual and Family Services 12,530$39,470
Religious Organizations 7,240$40,960
Local Government, excluding schools and hospitals (OEWS Designation) 6,490$45,140

What they do:

Care for and teach basic skills to children who have not yet entered kindergarten

Employment, 2022

512,300

Projected employment, 2032

529,600

3Paralegal/Legal Assistant


Industries with the highest levels of employment in Paralegals and Legal Assistants, 2022:

IndustryEmploymentAnnual mean wage 
Legal Services 263,170$60,570 
Local Government, excluding schools and hospitals (OEWS Designation) 16,420$61,190 
Federal Executive Branch (OEWS Designation) 15,080 $76,310 
State Government, excluding schools and hospitals (OEWS Designation) 10,850 $52,900 
Management of Companies and Enterprises 6,890 $84,260 

What they do:

Assist lawyers in conducting research, writing drafts and reports, and maintaining files

Employment, 2022

354,300

Projected employment, 2032

369,100

4Radiologic and MRI Technologist


Industries with the highest levels of employment in Radiologic and MRI Technologists, Postsecondary, 2022:

IndustryEmploymentAnnual mean wage 
General Medical and Surgical Hospitals125,430 $71,260 
Offices of Physicians 40,390 $62,220 
Medical and Diagnostic Laboratories 16,060 $70,460 
Outpatient Care Centers 15,050 $81,530 
Federal Executive Branch (OEWS Designation) 5,980 $78,160 

What they do:

Perform diagnostic tests on patients with equipment such as magnetic resonance imaging (MRI) scanners; adjust and maintain equipment

Employment, 2022

264,100

Projected employment, 2031

279,600

5Dental Hygienist


Industries with the highest levels of employment of Dental Hygienists, 2022:

IndustryEmploymentAnnual mean wage 
Offices of Dentists 203,330$85,110
Employment Services 2,630$88,670
Offices of Physicians 2,080$77,070
Outpatient Care Centers 1,850$86,580
Federal Executive Branch (OEWS Designation) 870$69,450

What they do:

Clean and polish teeth, look for dental disease, educate patients about oral health

Employment, 2022

219,400

Projected employment, 2032

235,700

6Physical Therapist Assistant/Aide


Industries with the highest levels of employment in Physical Therapist Assistants and Aides, 2022:

IndustryEmploymentAnnual mean wage 
Offices of Other Health Practitioners 44,900 $59,970 
General Medical and Surgical Hospitals 17,640 $63,430 
Home Health Care Services 11,810 $78,360 
Nursing Care Facilities (Skilled Nursing Facilities) 8,950 $72,800 
Offices of Physicians 4,810 $59,310 

Typical entry-level education

Master’s degree in social work

Employment, 2022

145,100

Projected employment, 2032

172,700

7Diagnostic Medical Sonographer


Diagnostic Medical Sonographer

IndustryEmploymentAnnual mean wage 
General Medical and Surgical Hospitals 45,770 $84,340 
Offices of Physicians 20,220 $82,890 
Medical and Diagnostic Laboratories 8,510 $78,190 
Outpatient Care Centers 3,240 $113,680 
Employment Services 920 $79,550 

What they do:

Conduct tests and create images using sonography equipment

Employment, 2022

142,800

Projected employment, 2032

156,900

8Respiratory Therapist


Industries with the highest levels of employment in Respiratory Therapists, 2022:

IndustryEmploymentAnnual mean wage 
General Medical and Surgical Hospitals 97,800$74,240 
Specialty (except Psychiatric and Substance Abuse) Hospitals 7,720 $72,600 
Nursing Care Facilities (Skilled Nursing Facilities) 4,950 $69,770 
Employment Services 3,280 $108,330
Professional and Commercial Equipment and Supplies Merchant Wholesalers 2,490 $63,610 

What they do:

Master’s degree from a physician assistant program

Employment, 2022

133,100

Projected employment, 2032

149,800

9Electrical and Electronic Engineering Technologist/Technician


Industries with the highest levels of employment in Veterinary Technologists and Technicians, 2022:

IndustryEmploymentAnnual mean wage 
Veterinary and Photography Services 109,230 $40,300  
Colleges, Universities, and Professional Schools 2,850 $47,680 
Social Advocacy Organizations 2,200 $39,310 
Other Personal Services 1,560 $39,180 
Scientific Research and Development Services 740 $62,030 

What they do:

Aid veterinarians in conducting tests, examining, and caring for animals

Employment, 2022

122,900

Projected employment, 2032

148,100

10Medical Equipment Repairer


Industries with the highest levels of employment in Medical Equipment Repairers, 2022:

IndustryEmploymentAnnual mean wage 
Elementary and Secondary Schools24,070 $63,790 
Electronic and Precision Equipment Repair and Maintenance 10,770 $59,060 
General Medical and Surgical Hospitals 6,630 $71,320 
Rental and leasing services (5322, 5323, and 5324 only) 4,180 $43,500 
Outpatient Care Centers 3,600 $56,280 

What they do:

Repair and maintain medical equipment such as ventilators, anesthesia machines, electric wheelchairs, and hospital beds

Employment, 2022

66,400

Projected employment, 2032

75,100

 

 

 

 

 

 

 

 

Source: https://www.bls.gov/

Based on national data, not school-specific information. Conditions in your area may vary. Accessed 8/9/2023. 

 

8 Adult Scholarships for Adults Returning to School

Can Adults Get Scholarships? 

There are scholarships for adults returning to college after a gap. Adult scholarships may offset the cost of tuition, fees, and books. Even childcare. 

These awards are for many types of adults. Ones who did not earn a degree. Or, are “independent” per federal financial rules. Some awards help adult learners by funding a two year or four-year degree. So, you may have past credits to use. Or none at all. 

Others are for adults who want to enter or reenter the workforce. These may help finance a certified trade, professional, or technical program. 

Many adult scholarships are for the nontraditional student. Or, an adult who 

  • Is 24 years and over
  • Earned a GED or certificate but not a high school diploma 
  • After high school, delayed going to college 
  • Has family and financial limits  
  • Works full time  
  • Attended college but part time

Most college applicants are high school graduates. Data from the Current Population Survey (CPS) shows that the percentage of individuals aged 25 and over with a bachelor’s degree or higher increased from 30% to 38% between 2023 and 2033. In 2023, the percentage ranged from 48% for Asians to 20% for American Indian/Alaska Native individuals. However, adult students often face financial challenges when returning to school, making loans less ideal. Scholarships are grants, meaning you don’t have to repay the money as long as you adhere to the terms. 

How to Find Scholarships for Adults Going Back to School

Searching for scholarships for adults going back to school can feel overwhelming, but there are many resources available to help. Start by exploring scholarship databases, college financial aid offices, and nonprofit organizations that support adult learners. Many employers also offer tuition assistance programs, and local community foundations may have scholarships specifically for returning students. Additionally, professional associations in various industries often provide funding opportunities for those pursuing career advancement through education. Taking the time to research and apply for multiple scholarships can significantly reduce the financial burden of going back to school.

Types of Adult Scholarships 

Any scholarship comes with rules about who can apply. And adult scholarships are the same. Some awards are for adults who are also part of a group. Adult women in STEM, for instance. Or single parents. Others are set aside for specific ages, or stages of study. Like adults ‘over 35’.

Here are a few of these types of adult scholarships. What they award. And, how to apply. 

Federal Financial Aid for Adult Students 

Pell Grants are for undergrads with high need. So, while an adult, you may still qualify. To know if you are eligible, you submit a FAFSA. Or, Free Application for Federal Student Aid.

The form becomes available on October 1st for the upcoming school year. It serves two purposes: determining your family’s income and comparing it to your college’s attendance cost. Award amounts may change each year, but until June 2024, the maximum is $7,395. 

Reentry Scholarships 

Reentry scholarships are designed to support adults who have taken a break from education and now wish to return to college. These scholarships often have specific eligibility criteria, such as an age range typically between 25 and 50 years old or a specific time frame of being out of school, such as two or five years. However, age is not the sole determining factor; applicants are usually required to demonstrate both academic promise and financial need to be considered for these scholarships.

Scholarships for Single Parents 

Numerous scholarship providers understand the challenges faced by single moms or parents – balancing work, finances, and raising kids. As a result, they allocate scholarships to those in dire need. A prime example is Helping Hands for Single Moms (HHSM), which assists low-income single moms in pursuing a college education to achieve financial independence and build a positive family legacy. 

Top Adult Scholarships for 2025 and Beyond

Here is a sampling of 8 scholarships for adult learners. Check out the criteria and apply before the deadlines.

1College Jumpstart Scholarship


College Jumpstart Scholarship is an annual merit award. It pays $1,000 and as a nontraditional student, you can apply. Winners can use the money for any accredited school. So, a two or four year degree. Technical or vocational school.

Amount:750

Deadline: October 17, 2025

Requirements: To apply, you must be a US citizen. You must also commit to use education to better your life. 

2Adult Skills Education Program


Imagine America Foundation offers a national aid program. ASEP, or Adult Skills Education Program. The program is available at about 400 career colleges. It offers a single tuition grant of $1,000. And you can use at partner schools to offset costs of job training.

Amount: $1,000

Deadline: Varies

Requirements: Check site to see requirements for eligibility.

3PEO Program for Continuing Education


Each year the PEO Sisterhood offers awards to women. One is the PCE. Or, PEO Program for Continuing Education. The PCE is a need based grant. It pays up to $3,000 and the number of recipients varies. An aim of the PCE program is to help women go back to school. And gain marketable skills.  

Amount: $3,000

Deadline: Varies

Requirements: Applying for the PEO awards doesn’t require PEO membership, but non-members need to find a chapter sponsor and meet award criteria. One of the requirements is demonstrating non-student status for 24 consecutive months.

4Osher Reentry Scholarships


Osher Reentry Scholarships are available at partner colleges. They are in 50 states and Washington DC. The awards help adults age 25 to 50 resume a bachelor’s degree. So, many have been out of school for 5 years or more. The number of Osher scholars changes each year. But the awards are renewable. And amounts go up to $50,000.

Amount: up to $50,000

Deadline: Varies

Requirements: To get an Osher award, you need to show a mix of financial need and promise.  

5Executive Women International Scholarship


Founded in 1938, EWI brings women in business together. To do this, EWI partners with colleges and local chapters to offer scholarships. One is the ASIST scholarship for adults in transition. There are 13 such awards and they range from $2,000 to $10,000. Another is the EWISP scholarship for high school seniors. It awards over $2,000 in college aid each year.

Amount: $2,000 – $10,000

Deadline: Scholarship program will resume at the beginning of 2024 

Requirements: To apply, you need to find a local chapter. Like the one in Tampa, FL and apply. 

6American Legion Auxiliary Nontraditional Student Scholarship


American Legion Auxiliary (ALA) helps veterans, military and their families. To further this mission, they offer scholarships to members. The Nontraditional Student Scholarship is an annual award. It goes to a single recipient and pays $2,000.

Amount: $2,000

Deadline: March 1 

Requirements: To apply, you may either be pursuing a two or four year degree. Or, training in a certified trade, professional or technical program.

7ATHENA Adult Scholarships


The Chamber Foundation helps Hudson Valley residents pay for education. One of their programs is the ATHENA Adult Scholarship. It is an annual award and pays $1,500.

Amount: $1,500

Deadline: June 1 

Requirements: To qualify you need to be both female and live in Dutchess County. You also must be a high school or college grad, out of school for at least 5 years.

8Courage to Grow Scholarship


The Courage to Grow Scholarship is a $500 award. It goes to one person each month. And is easy to apply to. 

Amount: $500

Deadline: July 31

Requirements: To do so, you must explain in 250 words or less why you deserve to win. You also need to be a US citizen. Applicants can be either a junior or senior in high school or college student. But need a GPA of 2.5 or better. 

Colleges That Don’t Require a High School Diploma or GED

If you are one of the many students who want to go to college but don’t have a high school diploma or GED, you might feel as though your options are limited. However, some community colleges accept students without a high school diploma or GED, and some universities do as well. For those seeking vocational education, there are also trade schools that don’t require a high school diploma or GED.

This article provides you with information about how you might be able to attend college without a high school diploma or GED. 

Find an Online Degree Program

 

What Is a GED? 

You might have heard this term but wondered what it means—and what it might mean for you.

A GED, which stands for General Educational Development, is a credential that signifies the equivalent of a high school diploma in the United States and Canada. It is designed for individuals who did not complete their formal high school education but still wish to obtain a recognized qualification.

To earn a GED diploma, you must pass a test to show that you are proficient in the fundamental subject areas that students study in high school—math, science, social studies, and language arts. To prepare for the test, you could use study guides that are widely available or enroll in a GED program.

There are a number of GED programs available to help prepare you for the GED test. You can often take GED classes online, and you might even find free online GED courses. These programs typically last about 3 months, but the length may vary depending on your current proficiency in the areas covered on the test.

What’s the difference between a GED and a high school diploma?

  • Educational requirements: High schools often have specific coursework requirements that students must fulfill to graduate. Earning a GED diploma required only that you are able to pass the GED test.
  • Testing requirements: High school students often need to earn a particular grade to pass each course they take but are typically not necessarily required to take a single, comprehensive test to graduate. GED students must take one comprehensive test that consists of four parts, each focusing on a different area: mathematical reasoning, science, language arts, and social studies. Earning a diploma is contingent on passing the test.
  • Time: Earning a high school diploma typically takes 3-4 years. Earning a GED could take the amount of time you need to complete the exam if you are already proficient in the subject areas covered. If not, you might spend about 3 months preparing for the test.

However, there are also similarities between a GED and high school diploma. You could take both GED and high school courses online. Both require you to be knowledgeable in a range of subject areas. And both might lead to greater career opportunities.

Colleges That Don't Require a High School Diploma & The difference between a GED and a High School diploma Table

Can You Go to College Online without a GED or High School Diploma? 

There may be options for you if you do not have a GED or high school diploma. Here are some possibilities:

  • Apply as a non-traditional student. This option may be available at colleges that accept students without a GED or high school diploma. A non-traditional student is considered any adult who has not been enrolled in high school for more than 6 years. If you apply as a non-traditional student, you may have to submit other materials, such as letters of recommendation, test scores, and a personal statement.
  • Enroll in a community college. Some community colleges accept students without a high school diploma or GED. You could take individual courses relevant to the career you wish to pursue or even complete your degree program. Many community colleges offer online classes. After completing courses or earning a degree at a community college,you may be able to use your academic records to transfer to a four-year college or university.
  • Enroll as a lifelong student. A lifelong student is defined as a person who takes an individual class during a semester without the goal of earning a degree. Doing so might help you build skills and gain knowledge that could help you reach your career goals. 
  • Consider finishing high school while taking college classes online. There are some colleges that allow students to earn their diploma while beginning their college career. 

If I Don’t Have a GED or High School Diploma, What Are College Admission Requirements?

The admission requirements will generally vary based on the school. Requirements might include:

  • Meeting a minimum age requirement. Students typically have to be at least 18 years old. Some may be able to enroll at 16 years old if they also work toward earning their GED.
  • Ability to enroll in remedial courses. These classes help students catch up on missed information. 
  • Providing proof of academic accomplishments. Students may submit reading lists or alternative education program results. 
  • Submitting a personal statement. This essay allows students to provide more information about their background and experience.
  • Submitting standardized test scores. Adult students without a GED or high school diploma could take the SAT or ACT tests. 

Am I Eligible for Financial Aid if I Don’t Have a GED or High School Diploma?

Many federal student loans are only available to students with a high school diploma or GED. However, there is a federal program called “Ability to Benefit” that could help you out.

What is this program all about? According to the U.S. Department of Education, Ability to Benefit is an educational law. It was amended in 2015 and now allows for qualifying students without a high school diploma or GED to be eligible for Title IV funding. The law was amended in order to help more students enroll in college.

The eligibility requirements typically include:  

  • Being enrolled in a program that receives Title IV funding. These are typically career pathways programs.
  • Passing the Ability to Benefit exam.  
  • Completing six credits that could be applied toward a degree program. 

Students without a diploma or GED may also have additional options for financial aid. If you do not have a GED or high school diploma, you may want to reach out to local non-profit organizations and private companies that offer scholarships to qualifying applicants.

Colleges That Don’t Require a GED or High School Diploma?

There are colleges and universities across the country that do not require a GED or high school diploma. Here are some of them.

 

 

1University of California
Visit UOC


The University of California, with multiple campuses across the state, welcomes students even if they don’t possess a high school diploma or GED. For those without a GED or diploma, successfully passing the California High School Proficiency Examination is a prerequisite, alongside fulfilling all other admission requirements.

Tuition & Fees

Undergrad: $44,467

Financial Aid

Grants & Awards
55% Get, Avg. Amt. $21,669

Grad Rate

94%

 

2 Southern Technical College
Visit School


Southern Technical College, situated in Florida, provides a Career Pathways Program for students who do not have a high school diploma or GED. To qualify, students need to successfully pass the Ability to Benefit exam, participate in a GED preparation course, and enroll in career training classes.

Tuition & Fees

Undergrad: $18,500

Financial Aid

Grants & Awards
85% Get, Avg. Amt. $4,105

Grad Rate

57%

 

3 Columbia-Green Community College
Visit School


Located in Hudson, New York, Columbia-Greene Community College has the potential to admit students without a high school diploma or GED. Prospective students should meet specific admission criteria, including being at least 17 years old and completing a placement exam. Additionally, students may need to consult with a counselor to gain insights into any additional requirements.

Tuition & Fees

Undergrad $11,160

Financial Aid

Grants & Awards
70% Get, Avg. Amt. $8,791

Grad Rate

35%

 

 

4 Community College of Baltimore County
Visit CCBC


Based in Baltimore, Maryland, the Community College of Baltimore County provides an opportunity for students without a high school diploma or GED to gain admission. To qualify, students are required to either pass an entrance exam or commit to completing their GED while actively enrolled at the college.

Tuition & Fees

Undergrad: $10,880

Financial Aid

Grants & Awards
65% Get, Avg. Amt. $5,987

Grad Rate

18%

 

5 St. Charles Community College
Visit School


St. Charles Community College, situated in Missouri, offers admission opportunities to students without a high school diploma or GED. Eligibility for the Ability to Benefit program is a key factor for admission. To apply, students need to complete an application and undergo an academic skills assessment.

Tuition & Fees

Undergrad: $5,664

Financial Aid

Grants & Awards
75% Get, Avg. Amt. $10,087

Grad Rate

23%

 

6 University of Hawaii Community Colleges
Visit School


The University of Hawaii Community Colleges has a unique approach, as it doesn’t mandate a high school diploma or GED for enrollment. However, aspiring students must meet a minimum age requirement of at least 18 years old.

Tuition & Fees

Undergrad: $3,284

Financial Aid

Grants & Awards
100% Get, Avg. Amt. $3,852

Grad Rate

16%

 

7 Wayne County Community College District
Visit WCCCD


Wayne County Community College, situated in Detroit, Michigan, stands out with its adult education program. This initiative welcomes applications from students without a high school diploma or GED. To be eligible, individuals must be at least 18 years old.

Tuition & Fees

Undergrad: $4,067

Financial Aid

Grants & Awards
85% Get, Avg. Amt. $7,094

Grad Rate

14%

 

8 Union County College
Visit UCC


Union County College, located in Cranford, New Jersey, offers opportunities for students without a high school diploma or GED to enroll. It’s important to note that individuals who pass an Ability to Benefit test may not qualify for financial aid at this institution. Prospective students lacking a GED or high school diploma must be at least 18 years old to enroll in classes at Union County College

Tuition & Fees

Undergrad: $9,500

Financial Aid

Grants & Awards
82% Get, Avg. Amt. $7,285

Grad Rate

26%

 

9 Central Community College
Visit School


Central Community College is a Nebraska community college that may accept students who do not have a high school diploma or GED. Students who do not have a diploma or GED are eligible to apply as long as they are 18 years old. Students who are 16 years old may apply and work toward their GED at the same time. However, students without a diploma or GED may not be eligible for financial aid.

Tuition & Fees

Undergrad: $4,800

Financial Aid

Grants & Awards
99% Get, Avg. Amt. $6,109

Grad Rate

52%

 

10 Lawson State Community College 
Visit School


Lawson State Community College is located in Alabama. This community college allow students without a high school diploma or GED to apply. Students without a high school diploma or GED must take the Ability to Benefit assessment. Once the student passes the assessment, they work with a school counselor to continue the application process.

Tuition & Fees

Undergrad: $8,790

Financial Aid

Grants & Awards
100% Get, Avg. Amt. $9,764

Grad Rate

21%

 

11 Community College of Denver
Visit CCD


Community of College of Denver may accept students without a high school diploma or GED. This community college is located in Denver, Colorado. Students without a high school diploma or GED could apply if they qualify for Ability to Benefit. Students who pass the assessment also may be eligible for financial aid.

Tuition & Fees

Undergrad: $17,136

Financial Aid

Grants & Awards
77% Get, Avg. Amt. $8,510

Grad Rate

15%

 

12 Westchester Community College
Visit School


Westchester Community College is an extension of the State University of New York. This community college is located in Valhalla, New York. Students who do not have a high school diploma or GED may apply to this school. The admission requirements include passing the Ability to Benefit assessment.

Tuition & Fees

Undergrad: $12,486

Financial Aid

Grants & Awards
67% Get, Avg. Amt. $8,628

Grad Rate

27%

 

 

Note that this is not a complete list—there may be other schools that will accept you if you don’t have a high school or GED diploma.  

Now that you know you have options, why not take the next step toward getting an education? To learn more about colleges and universities that don’t require a high school or GED diploma, contact us today!

FAQs

1. Are there colleges that accept students without a high school diploma or GED? Yes, some community colleges and universities accept students without a high school diploma or GED. Additionally, trade schools that offer vocational education may also admit students without these credentials.

2. What is a GED and how can I obtain it?

A GED (General Educational Development) is a credential that signifies the equivalent of a high school diploma. It is designed for individuals who did not complete their formal high school education but wish to obtain a recognized qualification.

3.  How can I earn my GED diploma?
To earn a GED diploma, you must pass a test that assesses your proficiency in math, science, social studies, and language arts.

4. What is the difference between a GED and a high school diploma?
The main differences include educational requirements, testing requirements, and the time it takes to earn the credentials. High school diplomas often have specific coursework requirements, while a GED only requires passing the GED test. High school students typically need to pass individual courses, while GED students must pass one comprehensive test. Earning a high school diploma usually takes 3-4 years, whereas the time to prepare for and complete the GED test may vary but could be around 3 months.

5. Can you attend college online without a GED or high school diploma?
There may be options available. You can apply as a non-traditional student at colleges that accept students without a GED or high school diploma. Community colleges may also admit students without these credentials, allowing them to pursue individual courses or complete a degree program. Additionally, you could enroll as a lifelong student to take classes without aiming for a degree. Some colleges even offer programs that allow you to earn your high school diploma while beginning your college career.

6. What are the admission requirements for college without a GED or high school diploma?
Admission requirements vary, but they could include meeting a minimum age requirement, enrolling in remedial courses, providing proof of academic accomplishments, submitting a personal statement, and submitting standardized test scores such as the SAT or ACT for adult students.

7. Am I eligible for financial aid without a GED or high school diploma?
Many federal student loans require a high school diploma or GED, but there is a federal program called “Ability to Benefit” that may provide assistance.

8. Which colleges and universities do not require a GED or high school diploma?

There are various colleges and universities across the country that do not require a GED or high school diploma. The article provides sponsored listings of some of these institutions.

This is an offer for educational opportunities that may lead to employment and not an offer for nor a guarantee of employment. Students should consult with a representative from the school they select to learn more about career opportunities in that field. Program outcomes vary according to each institution’s specific program curriculum.

What Could I Do With a Public Health Degree?

What could I do with a bachelor’s degree in public health?

A Public Health Degree opens the door to a wide array of career possibilities. Opportunities span across diverse fields, including health services, environmental health, community health work, and biotechnician roles. A career path in the public health arena might lead to employment within health agencies. For those aspiring to advance, pursuing further education, such as a graduate degree, could unlock managerial positions within the industry. Public health professionals play a pivotal role in shaping public health policies, while others may contribute to health promotion through impactful social work. The O*NET resource provides valuable insights into the breadth of opportunities available within this dynamic and essential career field.

Health Educator and Community Health Worker

Within this field, a variety of roles await, spanning from health education specialists to community health workers and counselors, among others. The employment landscape for these professionals is equally diverse, encompassing environments like hospitals, government agencies, outpatient care facilities, and family services. Opportunities exist within both the public and private sectors. Drawing from data provided by the BLS, we’ve compiled insights into the 2023 annual median salary and projected job growth for these positions.

2023 Median Salary: $62,860 per year / $30.22 per hour
Job growth through 2033: 7% (Faster than average)
Typical Entry-level education: Bachelor’s degree

Medical and Health Services Manager

This profession is centered around managerial roles within an office environment. The positions falling under this category may carry various titles, with “public health administrator” being a common one. Often, these roles are open in both the public and private sectors, extending their presence across governmental agencies, outpatient care centers, medical practices, and nursing facilities. Using data from the BLS, we have compiled information regarding the 2023 annual median salary and projected job growth for these positions. 

2023 Median Salary: $110,680 per year / $53.21 per hour
Job growth through 2033: 29% (Much faster than average)
Typical Entry-level education: Bachelor’s degree

Occupational Health and Safety Specialist

This profession commonly presents opportunities across diverse sectors. Specialized roles and technical positions are often in demand. These openings can span various industries, encompassing manufacturing, hospitals, construction, government, and management services. The responsibilities of individuals in this role are crucial for ensuring safety at their respective workplaces, whether it’s a construction site or a government facility. Their primary duty is to uphold standards and ensure tasks are carried out safely and effectively. Utilizing data from the BLS, we have assembled information regarding the 2023 annual median salary and projected job growth for these positions. 

2023 Median Salary: $77,580 per year / $37.30 per hour
Job growth through 2033: 14% (Much faster than average)
Typical Entry-level education: Associate’s degree

Social and Community Service Manager

The primary domains for professionals in this field encompass local government, religious organizations, family services, community rehabilitation services, and nursing facilities. These roles might involve managerial positions in various sectors and entail close collaboration with organizations to execute and realize plans. Using data from the BLS, we have compiled information regarding the 2023 annual median salary and projected job growth. 

2023 Median Salary: $77,030 per year / $37.03 per hour
Job growth through 2033: 8% (Much faster than average)
Typical Entry-level education: Bachelor’s degree

Natural Sciences Manager

This career might attract individuals seeking to oversee teams of researchers. These positions typically span roles in research and development, manufacturing, scientific management, or government agencies. These career paths often require a combination of hands-on involvement and remote management. Drawing data from the BLS, we have compiled information regarding the 2023 annual median salary and projected job growth in this field. 

2023 Median Salary: $157,740 per year / $75.84 per hour
Job growth through 2033: 8% (Faster than average)
Typical Entry-level education: Bachelor’s degree

Management Analyst

There may be different careers in this field to consider. Management analysts may also take on positions such as business operations specialist. This job may be found in a number of areas including in the professional and scientific communities. Insurance, government and simply management are also areas where one  could be employed in this field. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $99,410 per year / $47.80 per hour
Job growth through 2033: 11% (Much faster than average)
Typical Entry-level education: Bachelor’s degree

Environmental Engineer

This type of engineer may work in many different fields. One area may include wastewater engineer. There may be many areas where they work including the federal government, engineering services, state and local government and management services. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $100,090 per year / $48.12 per hour
Job growth through 2033: 7% (Faster than average)
Typical Entry-level education: Bachelor’s degree

What could I do with master’s degree in public health?

With an MPH degree, individuals may hold more advanced positions. They may conduct research or work on advocacy for the general public as a whole. Others with a masters in public health may work in health sciences and health informatics. Health administration positions in public health organizations or a related field may also be common. The MPH program may offer many options including these in the United States.

Mathematicians and Statisticians

These positions may encompass all types of careers as mathematicians and statisticians. Biostatisticians are just one of the fields. The positions available for this type of field may be those of management, technical consulting or government work. Many of these positions may be in the federal government, working in research facilities, and healthcare. There may be positions in education as well on all different levels. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $104,860 per year / $50.41 per hour
Job growth through 2033: 11% (Much faster than average)
Typical Entry-level education: Master’s degree

Epidemiologist

A career as an epidemiologist could have different titles such as life scientist. There may be  many fields and areas in which one may work as an epidemiologist. Some of the areas in which one may have this career are in research and development, hospitals and government on all levels. There may also be positions available at colleges and universities as well as with all other levels of schooling on the state and local level. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $81,390 per year / $39.13 per hour
Job growth through 2033: 19% (Faster than average)
Typical Entry-level education: Master’s degree

Mental Health Counselor

This career could encompass a number of different types of counseling professions. Some may deal with substance abuse, behavioral, or mental health. The positions available may be with the government, hospitals or family services. There may also be positions in this field with outpatient services as well as residential recovery facilities. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $53,710 per year / $25.82 per hour
Job growth through 2033: 19% (Much faster than average)
Typical Entry-level education: Master’s degree

What could I do with a PhD in public health?

After completing your master of public health degree program, you may want to continue with education. Working in public health as a biostatistician or doing research in social sciences may be an option for those with this advanced degree. Public health jobs at this level may include coursework in a topic that is important to you. You may wish to do outreach.

Medical Scientist

There may be multiple areas for this professions including as a life scientist. There may also be many areas in which you could work when seeking this type of position. Some areas may include doctor’s offices, colleges and universities, hospitals, and medicine manufacturing. A career in this field may include jobs in or out of an office or lab, these are full time positions. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $100,890 per year / $48.50 per hour
Job growth through 2033: 11% (Much faster than average)
Typical Entry-level education: PhD

Economist

A health economist is one who may predict and determine how money may be flowing in the world of healthcare. There may be a number of areas in which to obtain this type of position in both the public and private sector. Fields to look at may include finance, federal government, research and development, consulting services and state government. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $115,730 per year / $55.64 per hour
Job growth through 2033: 5% (Much faster than average)
Typical Entry-level education: Minimum of a master’s degree, doctorate preferred

Postsecondary Teacher

In this field postsecondary health teachers earn an  a median salary of $79,640 per year. These positions are held primarily at colleges and universities. These could be public or private and may range from a trade school, community college, junior college or major college or university. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $84,380 per year
Job growth through 2033: 8% (Faster than average)
Typical Entry-level education: Master’s level at minimum, PhD preferred

Hospital President or Top Executive

Top executives may be necessary in all fields to provide leadership for businesses or organizations. In the medical field these people may be in positions to run hospitals. The positions may be available on all levels in all fields. Areas to look into might include healthcare and government. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $103,840 per year / $49.92 per hour
Job growth through 2034: 6%  (Faster than average)
Typical Entry-level education: Minimum of a bachelor’s, PhD preferred

What Could You Do with a Public Health Degree by Specialty/Field?

Degree programs in public health may open the door for numerous opportunities. Public health professionals may work in research and data development. Others may work in nonprofit careers. Here are some degree concentrations to consider.

Biostatistics

This focus program typically offers careers in multiple fields. This concentration may be available on all levels from bachelor’s to PhD. The focus of this group is often to collect and interpret data when it comes to medicine and public health.

Research Biostatistician

This type of statistician typically requires at minimum a master’s degree. This field may work to apply data and statistics to solve problems related to health. They may look at varying factors based on the sector in which they are employed. Per the O*NET, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $104,110 per year / $50.05 hourly
Job growth through 2033: 9% or higher (Much faster than average)

Biostatistics Professor

In this field as a Mathematical Science Teachers many may need a PhD. This is a position that may be available at most colleges and universities that offer this type of program. Many times these may be people who have worked in the field and may use real world knowledge to teach the students. Per the O*NET, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $81,020 per year
Job growth through 2033: 24% (Slower than average)

Community Health

This area may focus on awareness and education. People in this area may learn to develop and evaluate health programs for the community. They may also work to raise awareness regarding health problems.

Social and Community Service Managers

In this career as a community service manager you may work at providing programs and supervising organizations that are designed to promote well being. Many of these positions are through local health departments or governments. They may also be available on a state and national level. This typically needs at least a bachelor’s degree. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $77,030 per year / $37.03 per hour
Job growth through 2033: 8% (Faster than average)

Health Educator

As a health educator you may be working to teach the community about health and wellness. In many cases this is a position through a local health department or in a school setting. These positions may be in the public or private sector and in many cases require a bachelor’s degree. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $62,860 per year / $30.22 per hour
Job growth through 2033: 7% (Faster than average)

Dieticians and Nutritionists

As a dietician, you may work to teach people about nutrition and what types of foods they should be eating. You may also work with individuals to promote a healthy lifestyle and to learn what is the best course of action to improve their overall health. This position typically needs at least a bachelor’s degree and could be found in hospitals, nursing facilities as well as doctor’s offices. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $69,680 per year / $33.50 per hour
Job growth through 2033: 7% (Much faster than average)

Environmental Health

There are a number of fields and concentrations that may be covered in environmental health. Zoonotic diseases, disease prevention and occupational hazards are covered. Living conditions and air quality are also topics that are covered in this concentration.

Environmental Scientist

As an environmental scientist you may work to protect the environment. You may also work to protect and promote human growth either in the field or in a lab. There may be positions available for this in both the public and private sector and this positions requires the minimum of a bachelor’s degree. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $78,980 per year / $37.97 per hour
Job growth through 2033: 7% (Much faster than average)

Petroleum Engineer

When working in the field of as a petroleum engineer, there may be need for those who are on the outlook for the safety and overall well being of the public. This may be where someone with a bachelor’s in environmental health could come into play working to not only protect the public. This type of position is usually through government regulatory agencies. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $135,690 per year / $65.23 per hour
Job growth through 2033: 2% (Slower than average)

Mining and Geological Engineers

When working in the field of mining when it comes to environmental health you may be working to make sure that the mines themselves are not only safe but the work they are doing and the outcome of the work is safe for the environment and the surrounding communities as well. This position may require at least a bachelor’s degree and is offered both in the public and private sector. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $100,640 per year / $48.39 per hour
Job growth through 2033: 2% (Slower than average)

Waste Management

As a waste management compliance officer you may work to ensure that the organization you are working for is following all governmental and company guidelines when it comes to waste production and disposal. The goal may be to work with the communities to ensure what your company is doing and is safe. This position may need at least a bachelor’s degree. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $ 75,670 per year
Job growth through 2032: N/A

Epidemiology

When studying in the focus area of epidemiology you may be learning about a number of things regarding human life. You may cover areas such as life expectancy, infection and disease. You may learn research methods, data analysis, as well as causes and solutions in regards to disease spread and prevention.

Epidemiologist

The position of epidemiologist is typically to investigate disease and injury. This position often requires a master’s degree and is available in public and private hospitals as well as in federal and state governments. They may look at patterns and causes of the diseases and injuries in order to make assessments. Per the BLS, we compiled the 2023 annual median salary and job growth. 

2023 Median Salary: $81,390 per year
Job growth through 2033: 19% (Much faster than average)

Global Health

In the focus area of global health one may look at health programs on a global scale. You may look at potential solutions for health issues on a worldwide scale. In this focus area, there may be comparing and contrasting the differing health systems around the world.

Policy Analyst

A policy analyst may be working as a political scientist to look at the different policies being applied to public health. The goal is typically to see how these are being applied and who they may effect and in what matter to best implement new policies. This may be a position that requires at least a master’s degree. Per the BLS, we compiled the 2023 annual median salary and job growth.

2023 Median Salary:$132,350 per year / $63.63 per hour
Job growth through 2033: 3% ((As fast as average)

Global Health Consultant

As a global health consultant you may be working as a management analyst to help improve the efficiency and productivity in regards to health and wellness. When in this position you may be looking at things on a larger, global scale. You typically need at least a bachelor’s degree and may be able to obtain positions in the government, public and private sector. Per the BLS, we compiled the 2023 annual median salary and job growth.

2023 Median Salary: $99,410 per year / $47.80 per hour
Job growth through 2033: 11% (Much faster than average)

Health Education Specialist

As a health education specialist you may provide and mange programs in the community. These programs may be designed to promote health and wellness to many age groups and to many different backgrounds. This position typically requires at least a bachelor’s degree and is available primarily in local and state governments as well as hospitals. Per the BLS, we compiled the 2023 annual median salary and job growth.

2023 Median Salary: $62,860 per year
Job growth through 2033: N/A

Health Equity

When studying health equity one may look at the differences and disparities in healthcare and treatment among different groups of people. This is often primarily a focus in master’s programs.

Food Scientist

A food scientist may work primarily in the agriculture industry. The goal is typically to improve safety and efficiency. The positions may be available in the public and private sector or with different government agencies and require at least a bachelor’s degree. Per the BLS, we compiled the 2023 annual median salary and job growth.

2023 Median Salary: $82,090 per year / $36.73 per hour
Job growth through 2033: 8% (Faster than average)

Health and Human Services

Group Home Administrator

As a group home administrator you may work with the organization you are working with to manage the business activities of the group home. You may be working as the health services manager for this organization and may need to have at least a bachelor’s degree. Per the BLS, we compiled the 2023 annual median salary and job growth.

2023 Median Salary: $110,680 per year / $53.21 per hour
Job growth through 2033: 29% (Much faster than average)

Social Worker

As a social worker you may be asked to counsel and assist those with mental, and physical health ailments in order to aid in providing assistance and solutions to solve these issues. This position typically requires a bachelor’s degree and is available at all levels of government as well as in the private sector. Per the BLS, we compiled the 2023 annual median salary and job growth.

2023 Median Salary:$58,380 / $28.07 per hour
Job growth through 2033: 7% (Faster than average)

Colleges That Accept Transfer Credits with Bad Grades

Seeking assistance in locating colleges that readily accept transfer credits despite subpar grades? If you’re in search of guidance on the subject of transferring to new academic institutions with less-than-stellar grades, your fortune has taken a turn for the better. Numerous four-year colleges and universities typically mandate a minimum GPA of 2.0 and exclusively consider transfer credits for courses bearing a grade no less than a C.

Find an Online Degree Program

 

Maybe you started in community college to save money? Or maybe you’re changing your area of study. Perhaps your current school just isn’t a good fit? In fact, there are many reasons students find themselves among the one third of undergrads transferring colleges per the NCES. Although if you earned a low GPA in college so far, your school choices may seem limited.

Fun Fact

Transfer students wanted! According to the National Association for College Admission Counseling, 9 out of every 10 four-year institutions consider transfer students to be of significant or moderate importance when it comes to fulfilling their overall enrollment objectives.

STEPS TO TRANSFERRING COLLEGES WITH BAD GRADES 

If you’re contemplating a transfer to another educational institution and happen to possess less-than-stellar grades, there may still be viable avenues available. The following steps can serve as a valuable guide to navigate the process of transferring colleges despite a less impressive GPA. Naturally, always keep a keen eye on those crucial transfer application deadlines!

STEP #1: IDENTIFY THE ROOT CAUSE OF YOUR LOW GRADES

Delve into the reasons behind your academic setbacks. Firstly, assess whether the chosen academic program was a mismatch for your needs. Secondly, reflect on whether life circumstances significantly affected your academic performance. Regardless of the circumstances, pinpointing the underlying causes is crucial at this stage. This insight will empower you to formulate a strategic plan for future academic achievement.

Keep in mind that the admissions office at your prospective institution may require a comprehensive plan outlining how you intend to surmount the challenges that hindered your progress at your previous school. Thus, engage in a thorough self-assessment.

STEP #2: EXPLORE COLLEGE OPTIONS

Conduct extensive research to identify colleges that are receptive to transfer students with less impressive GPAs, thus expanding your range of possibilities. To enhance your prospects of discovering an institution that suits your needs, it’s advisable to cast a broad net during your search. Don’t overlook the potential of online schools as well.

If your prior college credits were earned some time ago, or if you’re presently engaged in the workforce, online schools can emerge as a highly viable option for pursuing a degree without necessitating a major upheaval in your life.

STEP #3: TALK TO AN ADMISSIONS ADVISOR

Statistics from the National Association for College Admission Counseling reveal that a significant 81% of colleges boast at least one admissions officer dedicated solely to prospective transfer students. Hence, it’s essential to initiate contact with the admissions department at your targeted institutions, connecting with an expert who can guide you in determining the most suitable path for your transfer.

During these interactions, be ready to share your personal narrative along with the strategic plan for future success that you developed in Step #1. This will enable the advisor to better understand your journey and assist you accordingly.

Benefits of an Admissions Counselor

Certain colleges extend the extra support of assigning each incoming student a dedicated re-entry counselor, aimed at facilitating every aspect of their return to academia. It’s important to note that re-entry counselors take an additional step by aiding you in evaluating your preparedness for college, assisting in the completion of essential paperwork, and strategically mapping out your academic journey.

STEP #4: IMPROVE YOUR GPA

What should you do if your GPA bears the weight of one or two courses with a grade of D or below? In such instances, provided you have the time and resources at your disposal, consider the option of bolstering your GPA by retaking these courses. As long as you retake the course for a traditional letter grade (rather than opting for Pass/Fail), the improved grade can supplant the lower one and enhance your overall GPA.

Additionally, some colleges offer a process known as “academic renewal” to students who’ve faced challenges in a specific course or semester. Academic renewal essentially expunges the grade for a course (or even an entire semester) from your academic record. Consequently, these grades are removed from the GPA calculation and replaced on official transcripts as “AR.”

It’s worth noting that the feasibility of academic renewal varies from one institution to another, so it’s advisable to reach out to both your current school and prospective school to ascertain the requirements for obtaining approval for this process. After all, with a bit of effort, you can potentially uncover several colleges willing to accept transfer credits despite less-than-ideal grades.

STEP #5: REQUEST LETTERS OF RECOMMENDATION

Why should you consider seeking letters of recommendation from college professors? Well, primarily because these letters, especially when they come from professors within your chosen academic field, possess the potential to leave a favorable impression on the admissions counselors evaluating your application at your prospective school.

Indeed, the perspectives of faculty members who have observed your performance in college-level coursework can be particularly valuable. However, don’t overlook the potential merit of high school recommendations, especially if you lack substantial representation from college faculty.

Furthermore, always remember to express your gratitude by sending a heartfelt thank-you note to the faculty members who take the time to craft these letters of recommendation!

STEP #6: STRENGTHEN YOUR APPLICATION THROUGH ADDITIONAL EXPERIENCE

In cases where your academic performance has been less than exceptional, it becomes increasingly vital to complement your application with enriching experiences. To sum it up, part-time employment, volunteer service, and engagement in various activities during summer and winter breaks can enhance your overall attractiveness as a prospective student. In essence, strive to present yourself as a valuable potential addition to the student community at your desired school.

STEP #7: DETERMINE THE BEST TIME TO TRANSFER

If you find yourself in your first year of college and contemplating a transfer, it’s worth noting that many colleges take high school grades into account, especially when you have limited college credits.

For those students who have amassed more than a year’s worth of college credits, a prudent strategy might involve remaining at your current institution until you’ve secured an associate’s degree. This approach safeguards against the loss of credit for individual courses carrying D grades. Generally, the credits constituting the associate’s degree are transferred as a cohesive unit.

In cases where gaining admission to an undergraduate degree program remains a challenge, you might explore the possibility of applying as a non-degree-seeking candidate. This path allows you to commence coursework relevant to your intended major and, by demonstrating strong performance in these courses, subsequently reapply for formal admission to the college.

DO GRADES TRANSFER WHEN YOU TRANSFER COLLEGES?

When you embark on the process of transferring colleges, the customary practice involves the awarding of credit for courses in which you’ve achieved a grade of C or better. Consequently, the actual grades themselves do not transfer, but the credit earned does. As a result, your GPA at your new institution generally does not incorporate the grades or GPA from your previous school.

If your goal is to preserve transfer credit for courses in which you obtained a D grade, one viable approach is to remain at your current school long enough to complete an associate’s degree. Typically, when transferring a degree earned, the credits are transferred as a unified block, and each individual course is not subjected to separate evaluations for transfer eligibility.

LIST OF 4 COLLEGES THAT MAY ACCEPT TRANSFER STUDENTS WITH BAD GRADES

Transferring to a different college with subpar grades can pose challenges. Yet, numerous institutions recognize the potential for improvement that comes with a change in environment. If you’re seeking guidance on transferring with less-than-ideal grades, delve into the process and peruse our selection of colleges below that often admit transfer students with D grades or lower GPAs.

1

Strayer University

MINIMUM TRANSFER REQUIREMENTS:

Incoming courses must be equivalent in content and outcomes to courses at Strayer University.

  • Students are required to have attained a grade of at least “C” in the respective course. Alternatively, a grade of “D” or better is acceptable if the student has successfully completed an associate’s degree at the same institution where the intended transfer course(s) originate. Additionally, the course duration must meet or exceed a minimum of 4.5 quarter hours or 3.0 semester hours.

Students accepted with specifications may have other requirements.

ABOUT STRAYER UNIVERSITY

Strayer University is an accredited institution with a proud history of 130 years in quality education. Most of Strayer’s programs are online; however, they also have a network of campuses around the U.S. where you can get support in person. Strayer university has designed a learning experience that supports you on your journey to success support in person. Strayer university has designed a learning experience that supports you on your journey to success.

Available Programs

 

2

U Mass, Online

MINIMUM TRANSFER REQUIREMENTS:

UMass Online typically grants transfer credit for courses where the student has earned a grade of 1.7 (equivalent to C-) or higher. While UMass generally requires a minimum overall GPA of 2.0, it’s important to note that this 2.0 GPA requirement is waived for all former students of UMass Amherst.

ABOUT UMASS ONLINE

U Mass Online offers over 150 degrees and certificates from the University of Massachusetts in a convenient online format to busy professionals, lifelong learners, and students worldwide.

Available Programs

  • Bachelor of Arts (BA) in Crime and Justice Studies
  • Bachelor’s in Information Technology: Business Minor
  • BA in Economics
  • Bachelor of Arts (BA) in English
  • Psychology Bachelors of Arts

 

3

Colorado State University Global

MINIMUM TRANSFER REQUIREMENTS:

Colorado State University Global encourages students with less than a 2.30 cumulative GPA on prior college credit to apply for provisional admission with:

  • Written statement of purpose detailing professional goals and future study plans
  • Detailed resume
  • Completion of an online assessment

Once provisionally admitted, undergraduate students must complete six credits and be in good academic standing after their first two trimesters at CSUGlobal.

ABOUT COLORADO STATE UNIVERSITY GLOBAL

CSU-Global is an online university offering degree programs designed for working adults, using a virtual classroom designed to provide students with the same learning opportunities offered at brick-and-mortar colleges and universities. CSU-Global students can take advantage of accelerated 8-week courses and monthly starts.

Available Programs

  • Bachelor of Science (BS) in Project Management
  • BS in Organizational Leadership
  • Information Technology Bachelor of Science
  • BS in Human Resource Management
  • Bachelor of Science (BS) in Healthcare Administration and Management

 

4

Western Governors University

MINIMUM TRANSFER REQUIREMENTS:

WGU maintains relationships with many community colleges across the United States. Each transcript will be evaluated on an individual basis. WGU does not list minimum GPA requirements for which credits may transfer.

ABOUT WGU

Western Governors University offers competency based and affordable degree programs. Tuition often averages under $4,000 a term. That is about half the cost of most other online universities. Programs start monthly. There is a $65 application fee that can be waived. Apply free this week!

Available Programs

 

What should I do if my GPA is too low for transferring?

If your GPA falls below 2.0 and you aim to transfer, you may need to submit an appeal, explore second chance programs (refer to the “Starting Over” section under “Common Reasons to Transfer” below), or consider taking a semester off before reapplying as a transfer student.

Do colleges consider applicants with poor grades?

Admission to colleges is still possible even with subpar grades. However, it’s essential to make the rest of your college application shine brightly to enhance your chances of acceptance.

Is it possible to transfer colleges with poor grades?

While some colleges might accept students with low grades for various reasons, they might offer conditional admission where students must perform well in their initial semester. The possibility of transferring with a low GPA depends on several factors, including the policies of the college and the expectations of the student at the new institution.

 

Will My College Credits Transfer?

In the fall of 2022-23, the National Center for Education Statistics (NCES) reported a staggering enrollment of 1,206,316 degree-seeking undergraduate students in postsecondary institutions as transfer-in students. Among these students, the pursuit of “College Credits” played a pivotal role in their educational journey. These enrollees were distributed across a diverse landscape of 3,421 institutions nationwide. This article will shine a spotlight on colleges that went above and beyond in accommodating transfer students, with a focus on their policies regarding the transfer of college credits. If you’re considering transferring, read on to discover institutions that may align with your academic aspirations.

  • 1. UMD Global Campus
  • 2. CSU Fullerton
  • 3. Southern New Hampshire, up to 90 credits
  • 4. University of Maryland Global, up to 90 credits
  • 5. San Francisco State University
  • 6. University of Central Florida
  • 7. Arizona State, potentially all credits can transfer
  • 8. San Jose State University
  • 9. Chamberlain University
  • 10. University of North Texas
  • 11. California State University, 90+ transfer credits
  • 12. Florida International University
  • 13. Liberty University
  • 14. American Public University System, up to 90 credits

It’s truly remarkable, as revealed by a study conducted by the National Center for Education Statistics (NCES), that over one-third of undergraduate students engage in transferring college credits at least once during their academic journey. What’s even more intriguing is that 11% of these students opt for a second transfer. If you’re contemplating a transition to a different institution, it’s imperative to familiarize yourself with the intricacies of the college credit transfer process. Understanding this process can potentially save you both time and money. Let’s delve into how this process unfolds.

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How Many Credits Can You Transfer?

ARTICULATION AGREEMENTS

One potential avenue for transferring credits revolves around enrolling in a college that maintains a formal agreement with your current institution. These agreements often delineate the specific courses from a two-year school that are eligible for transfer to a four-year institution. Various types of transfer agreements exist, including:

  • Statewide Agreements: Typically permitting students to transfer credits earned at a public two-year college to any public four-year institution within the same state. This option is particularly appealing for students who wish to remain close to home.
  • GenEd to GenEd and Core to Core: Some colleges may endorse specific two-year degrees that can seamlessly fulfill a four-year college’s core general education prerequisites.
  • Program to Program Agreements: In such cases, an institution usually establishes a pact with a particular two-year college, providing students with a structured roadmap of courses to complete in preparation for a four-year program at the transfer institution.
  • Guaranteed Admission Agreements (2 + 2): These agreements enable students to complete two years of coursework at a two-year college followed by two years at a four-year institution, ensuring a smooth transition.

Southern New Hampshire University

  • No application fee for April & June terms.
  • Take advantage of some of the nation’s most affordable tuition rates, while earning a degree from a private, nonprofit, NEASC accredited university
  • Multiple term start dates throughout the year. 24/7 online classroom access.
  • Popular Online Programs include Business Administration, Psychology, Information Technology, Human Services…

Other Transfer Options

If the options above are not viable, it still may be possible to transfer your credits to a new school.

First, check with the school’s transfer site or admissions office. Look for their minimum and max number of transfer credits allowed. Second, learn their grade requirements, and find out if they have expiration dates on credits. Last, figure out how to determine if the content of your earned courses are equal to courses at the new school.

You may also be able to earn credit for military training or other life experience. CLEP or other exam based credits may also be accepted.

Transfer Advisers

Some colleges may have a specific person who handles transfer credits. These advisers often work one on one with transfer students. They may help prepare application forms. They may also arrange tours, or seek out mentors for students in the transfer process.

TRANSFER CREDITS FROM A COMMUNITY COLLEGE

In a study, NCES it was revealed that 56% of transfer students originated from public two-year colleges. When considering the transfer from a community college to a four-year institution, there are often multiple pathways available that aim to minimize credit loss.

HOW MANY COLLEGE CREDITS WILL TRANSFER?

If you live in a state that has transfer agreements between it’s public two and four year colleges, all of your credits may transfer. If your state does not have this type of agreement, you may have to do the research to find what will transfer.

DO D’S TRANSFER FROM COMMUNITY COLLEGE?

Many schools ask for a C grade or better in order to transfer credits. But, there are ways you may still be able to transfer without losing credit for those courses where you earned a D. First, check the transfer policy of the school you want to go to. They may have a flexible policy on accepting credits for D’s. If not, you may want to meet with the college to see what options are available to you.

Second, consider staying at your community college long enough to earn your Associate’s degree. After you earn that degree, you can apply to a four year school knowing that your credits may transfer in a block. When you transfer credits as a block, individual grades may not be evaluated.

DO COMMUNITY COLLEGE CREDITS TRANSFER OUT OF STATE?

Formal transfer agreements are rare between public schools in different states. Without an agreement, the transfer eligibility for each course may be assessed individually.

If you transfer from a regionally accredited community college, your new school may accept credit for the core courses in your field of study. They may also accept some electives if they directly mirror courses offered at the new school. Another option may be an online college. Some online colleges may have out of state agreements with state wide public two year colleges.

ONLINE COLLEGES THAT ACCEPT TRANSFER CREDITS

When looking for colleges that accept transfer credits many of the four year online colleges below will accept up to 90 transfer credits. This is about 75% of total credits you need for a bachelors degree. This means that you may be able to transfer all of your credits from your previous college work. Keep in mind that the info below is for undergrad transfer requests only.

Steps to Transferring Your College Credits 

While each school may have unique college transfer requirements, there are some general steps you can follow to facilitate the transfer of your credits:

  1. Meet with your academic adviser: Initiate a discussion with your academic adviser to outline your transfer objectives and explore the feasibility from both academic and financial perspectives.
  2. Fill out a transfer application: Note that this application may differ from what first-year students typically use. If you encounter difficulties in locating the appropriate application, don’t hesitate to reach out to the school’s admissions office for guidance.
  3. Maintain Strong Academic Performance: Transfer policies can vary among schools, but most institutions expect you to have accrued a specific number of credits for transfer consideration. Some may also impose a minimum GPA requirement. If your GPA is lower than desired, don’t worry; there are colleges that accept transfer students with lower GPAs.
  4. Contact the right department: Reach out to the department pertinent to your intended major (e.g., the science department for Biology majors). Inquire whether you can submit your transcript for evaluation to determine the transferability of credits to your new program.
  5. Secure Letters of Recommendation: Approach your professors well in advance to request letters of recommendation. Give them ample time to complete and submit these letters on your behalf. While high school letters may be acceptable, colleges generally prefer recommendations from instructors you’ve most recently studied under at the college level.
  6. Be on Time: Timely submission of all required documents is essential. Missing deadlines can create an unfavorable impression during the transfer process.

Colleges that Accept Low GPA

Colleges today use many tools to get to know prospective students, one of which may be your GPA. Or, grade point average. What if you did not do as well as you hoped in high school and have a low GPA? There are colleges that might still accept you.

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Here are a few guidelines to understanding how colleges view the GPA. Plus a few helpful hints on how to add value to your application. Despite low GPA scores.

WHAT IS CONSIDERED A LOW GPA?

To know what a ‘low GPA’ is, you need to understand what the GPA is. Then put it into context of the colleges you want to apply to. Most colleges use a point scale of 4.0. So, a grade of A = 4 points, B = 3 points, C = 2 points, D= 1 point and F = zero points. The average of all the points for all the courses you took in high school is your GPA. According to the latest study by the NCES, GPAs have gone up over time. In their last study, they found the national average GPA was 3.0.

If your GPA is less than the national average, you might guess it is a low GPA. And when compared in this way, anything below 3.0 is low. But many colleges do not use the GPA to predict your readiness for college. These schools may not set a GPA you need to get in. Or, they may set their standards at 2.0 or 2.5. In this case, if you have a 2.75 GPA, while lower than others in the US, it may be high for that college.

CAN I GET INTO A GOOD COLLEGE WITH A LOW GPA?

Many colleges accept students with a low GPA if you use 3.0 as the metric.  One reason is the preference for standard test scores. The SAT for example, or ACT. To that point, not every SAT test taker has a high GPA either. The College Board who runs the SAT found that in 2019, almost half of test takers had grades between B through F.

That breaks down as 31% were B students (80 – 89), 10% were C students (70 – 79) and 2% had grades below 70. So, either a D, E, or F. There are also colleges with open admissions policies. Community and vocational schools, for example. These schools might accept anyone with a high school diploma or GED.

A range of colleges also set their lowest acceptable GPA well below the national norm. This can be 2.0 or from 2.5 to 3.0 and varies from one college to the next. If your GPA and SAT or ACT scores are lower, do not give up. But, you might have to make sure you stand out in other ways.

HOW TO GET INTO COLLEGE WITH A LOW GPA?

There are a few ways to improve your odds at getting into college, low GPA and all. Here are 5 tips to put into use when you apply.

1. HIGHLIGHT YOUR STRENGTHS

Your GPA may not impress. But your other qualities might make you an ideal option for the colleges on your list.
Both undergrad and graduate schools often look at an applicant from all sides. Things like community service, a part time job, and volunteer work all count.

For example, you won an award or take part in activities outside school. Or have a military background that kept you moving from place to place. Many colleges that accept low GPAs consider life experience instead.

2. HOLISTIC ADMISSIONS

Many colleges do set a GPA standard, but also give options to get around a low one. These schools tend to look at your application (and you) as a package deal. This means they may weigh other things which can help you make up for poor grades. Like your essay, goals, work experience, references and SAT / ACT scores.

Any of these are a perfect opportunity to add depth to your application. And, may help you select schools that strive to see you as a complete person instead of as a sum of your GPA.

3. WRITE A GREAT PERSONAL STATEMENT OR ESSAY

Many colleges want to know who is behind the GPA. As the GPA is a static number, your essay or personal statement can bring it to life. Colleges tend to include specific details to format these things. Desired word count, for instance, or AP style. It is a good idea to stick to their structure as it shows you can read and follow directions. But, you can be creative, positive and even emotional. Describe what you learned and what direction you hope your career will take.

If the reason you got a low GPA taught you something, it might be appropriate to fit it in too. It may point to your strengths and how you’ve matured as a person. Show this side of yourself to the admissions team. Be clear, focused, use spell check and highlight your writing skills.

4. HIGH QUALITY REFERENCES OR LETTERS OF RECOMMENDATION

Many experts agree that high quality references help an application shine. Even if your grades do not. Your letters of recommendation can show attributes. Qualities that the school might miss by looking only at your GPA. References from teachers who watched your progress for example. They might note your poor grades as a freshman and sophomore. Plus, they can describe your effort to improve your GPA as junior or senior. This points to your discipline and commitment.

Employers also make great references as they can point to your work ethic. How you perform in a business setting is also a sign of reliability. If you take any lessons (E.g. piano, karate) also ask coaches, mentors and teachers to write letters. These references can show how you apply feedback and training.

5. SOME SCHOOLS OFFER CONDITIONAL ACCEPTANCE

Some colleges that accept low GPA students offer them conditional acceptance. This means you don’t have a strong enough grades for full acceptance. But they admit you anyway. This type of acceptance tends to come with a few rules you need to abide by. For one, as a student, you must keep up a specific GPA. Or, take a certain number of credits per semester.

Other times, you may need to take basic courses before you enter the program. Then if you meet these conditions, after a certain period of time, many colleges remove them. Take away? If there are colleges you want to apply to, check if they offer conditional acceptance. See what they would want you to do, and think about if you could do it.

 

Low GPA Colleges

SCHOOLS WITH LOW GPA REQUIREMENTS

A low high school GPA does not have to prevent you from getting into college or grad school. To help you find colleges that accept low GPAs, You may want to check out our list of open admissions colleges. We compiled a list using data from the NCES and College Scorecard. Education Connection does work with some of the schools on this list.

Colleges that accept 1.0 GPA

If you have a very low GPA, these schools with high acceptance rates / open admissions may consider you.

1

Western Governors

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Admission Requirements:

  • Have earned a high school diploma or GED
  • Submit official transcripts of all prior grades completed at community colleges or other colleges you’ve gone to.
  • Be at least 16 years of age
  • Meet any program specific requirements
  • Admission Rate: Open Admission
  • Grad Rate: 54%
  • Average Annual Cost: $10,580
  • Business
  • Health and Wellness
  • Health Administration 
  • Registered Nursing
  • Criminal Justice
  • Accounting
  • Human Services 

 

2

Martinsburg College

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Admission Requirements:

  • High school diploma or earned a GED.
  • Complete an admissions interview
  • Admission Rate: 100%
  • Grad Rate: 72%
  • Average Annual Cost: $9,846
  • Health Administration
  • Medical Assisting
  • Business
  • Homeland Security
  • Accounting

 

3

Midwest Institute

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Admission Requirements:

  • High school or GED considered but not required
  • Admission Rate: 100%
  • Grad Rate: 72%
  • Average Annual Cost: $23,672
  • Dental Assistant
  • Medical Assisting
  • Massage Therapy
  • HVAC

 

4

Montana State University – Northern

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Admission Requirements:

  • High school or GED considered but not required
  • Admission Rate: 100%
  • Grad Rate: 41%
  • Average Annual Cost: $12,717
  • Vehicle Maintenance
  • Registered Nursing
  • Business Admin
  • Criminal Justice

 

5

Elizabethtown College School of Continuing and Professional Studies

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Admission Requirements:

  • Minimum of three years of full ime work experience.
  • High school diploma or GED.
  • Have writing ability good enough for success in an accelerated academic program.
  • Have the time to devote to your course work.
  • Admission Rate: 100%
  • Grad Rate: 37%
  • Average Annual Cost: $12,898
  • Business
  • Accounting
  • Human Services
  • Information Science 
  • Communication and Media Studies 

 

Colleges that accept 2.0 GPA

Here is a list of colleges that accept a low 2.0 GPA. Some of them may accept you with conditions. While others may set the bar at a GPA of 2.0 to 2.25.

1

Albany State University

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Admission Requirements:

  • 2.0 High School GPA
  • SAT: combined 830 or Critical Reading – 24, Math: 22. Writing is not a factor.
  • ACT Scores: English – 17 & Math – 17
  • Admission Rate: 100%
  • Grad Rate: 31%
  • Average Annual Cost: $15,152
  • Liberal Arts
  • RN
  • Criminal Justice
  • Business
  • Education

 

2

Dallas Nursing Institute

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Admission Requirements:

  • 2.0 GPA
  • Complete application form
  • Non refundable application fee
  • Official transcript of all high school credits, or, GED as well as any college attended
  • Be at least 17 years of age (in accordance with Texas laws, if under 18, a parent or legal guardian signature is required prior to enrollment)
  • Admission Rate: 11%
  • Grad Rate: 31%
  • Average Annual Cost: $15,152
  • Registered Nursing

 

3

Family of Faith Christian University

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Admission Requirements:

  • 2.0 GPA
  • Applicants for a four year program must take the ACT or SAT and have a minimum composite score of 20 for the ACT and 720 for the SAT.
  • Admission Rate: 80%
  • Grad Rate: N/A
  • Average Annual Cost: $11,252

 

4

Fort Hays State University

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Admission Requirements:

  • 2.0 GPA
  • ACT composite score of 21 or above OR SAT score 980 or above for tests taken before March 2016 or SAT score 1080 or above for tests taken March 2016 or after
  • Admission Rate: 89%
  • Grad Rate: 57%
  • Average Annual Cost: $13,096
  • Business
  • Liberal Arts
  • Education
  • Nursing
  • Psychology

 

5

Gwynedd Mercy University

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Admission Requirements:

  • 2.0 GPA
  • Complete the online Admissions application
  • Submit SAT or ACT Scores 
  • Submit an official transcript from each of the high schools, colleges you have attended
  • Admission Rate: 94%
  • Grad Rate: 66%
  • Average Annual Cost: $28,217
  • Nursing
  • Business
  • Education
  • Criminal Justice
  • Psychology

 

6

Lewis – Clark State College

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Admission Requirements:

  • 2.0 GPA
  • Fill out application.
  • Send a copy of your passport. 
  • Send official school records from each of the high schools and colleges,you have attended
  • Admission Rate: 100%
  • Grad Rate: 46%
  • Average Annual Cost: $11,695
  • Liberal Arts
  • Nursing
  • Business
  • Health and Physical Education
  • Education

 

7

Medaille College

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Admission Requirements:

  • 2.0 GPA
  • Application for admission
  • Proof of high school graduation or GED certificate
  • Submission of official transcripts from all colleges attended
  • An applicant with deficiencies in some of these areas may be offered admission with appropriate evidence supporting the student’s ability to succeed
  • Admission Rate: 75%
  • Grad Rate: 37%
  • Average Annual Cost: $11,664
  • Medical Assisting
  • Business
  • Psychology
  • Biology
  • Criminal Justice

 

8

North Carolina State University at Raleigh

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Admission Requirements:

  • 2.0 GPA
  • Application for admission
  • Proof of high school diploma or GED certificate
  • Official transcripts from all colleges attended
  • An applicant with poor grades may be offered admission with appropriate evidence supporting the student’s ability to succeed
  • Admission Rate: 51%
  • Grad Rate: 83%
  • Average Annual Cost: $16,563
  • Business
  • Textile Sciences
  • Biology
  • Communication and Media Studies
  • Electrical, Electronics and Communications Engineering

 

9

Texas A & M International University

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Admission Requirements:

  • 2.0 GPA
  • Complete Application for Admission.
  • Official High School Transcript showing rank in class or official GED passing scores.
  • Official college transcripts sent directly from each ichool attended. If any college credit has been earned. A minimum overall grade point average of 2.00 is required.    
  • Admission Rate: 50%
  • Grad Rate: 54%
  • Average Annual Cost: $4,778
  • Criminal Justice
  • Psychology
  • Business
  • Interdisciplinary Studies
  • Nursing

 

10

University of Houston – Clear Lake

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Admission Requirements:

  • 2.0 GPA
  • Submit Application
  • Send Transcripts
  • Send your SAT and ACT scores
  • Admission Rate: 72%
  • Grad Rate: 65%
  • Average Annual Cost: $17,774
  • Interdisciplinary Studies
  • Psychology
  • Accounting
  • Business
  • Health and Physical Education

 

11

University of Maine

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Admission Requirements:

  • 2.0 GPA
  • Essay
  • Final high school transcript or HISET or GED
  • SAT or ACT Test Scores
  • Admission Rate: 92%
  • Grad Rate: 56%
  • Average Annual Cost: $17,175
  • Business
  • Mechanical Engineering
  • Education
  • Psychology
  • Finance

 

12

University of Maine at Fort Kent

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Admission Requirements:

  • 2.0 GPA
  • Completed application form
  • School Counselor (or teacher) letter of recommendation (If you are a current high school graduate)
  • Official high school transcripts or official GED score report
  • Official college transcripts (if you completed any college work)
  • Admission Rate: 97%
  • Grad Rate: 52%
  • Average Annual Cost: $11,982
  • Nursing
  • Business
  • Criminal Justice
  • Forestry
  • Social Sciences

 

13

West Texas A & M University

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Admission Requirements:

  • 2.0 GPA
  • One of the following Class Rank & ACT / SAT Score combos:
    Top 25% with no minimum ACT/SAT score
    26%-50% with 18 ACT or 960 SAT
    51%-75% with 21 ACT or 1060
    SAT 76%-100% with 23 ACT or 1130 SAT
  • Students may also be admitted solely on test scores* if they achieve the following scores:
    Official SAT Scores: at least 480 for EBRW and 530 for Math
    Official ACT scores: at least 18 English, 22 Reading, 22 Mathematics and 23 Science
  • Admission Rate: 61%
  • Grad Rate: 54%
  • Average Annual Cost: $20,294
  • Nursing
  • Business
  • Criminal Justice
  • Forestry
  • Social Sciences

 

Colleges that accept 2.5 GPA

These seven colleges may accept low 2.5 GPAs

1

ECPI University

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Admission Requirements:

  • Students must have a GPA of 2.5 or higher on a four point scale.
  • Transfers are accepted by ECPI University into a specific program that aligns with the VCCS’s associate’s degree program.
  • Admission Rate: 71%
  • Grad Rate: 52%
  • Average Annual Cost: $23,111
  • Medical Assisting
  • Nursing Assistant
  • Nursing
  • Information Technology
  • Culinary Arts

 

2

Embry – Riddle Aeronautical University Worldwide

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Admission Requirements:

Applicants age 20 and older who are not classified as a transfer student or have not served in the US military must provide the following:

  • Official high school transcript or equivalent (GED®, HiSET® or TASC®) with a 2.5 unweighted GPA or higher on a 4.0 scale
  • Official transcripts from all colleges attended, with a minimum of a 2.0 CGPA on a 4.0 scale
  • Resume
  • Admission Rate: 63%
  • Grad Rate: 36%
  • Average Annual Cost: $15,236
  • Air Transportation
  • Business Administration
  • Vehicle Maintenance
  • Mechanical Engineering
  • Homeland Security

 

3

Endicott College

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Admission Requirements:

  • Review by an Admission Committee
  • a GPA of at least 2.5
  • Admission Rate: 81%
  • Grad Rate: 75%
  • Average Annual Cost: $36,959
  • Nursing
  • Business
  • Health and Physical Education
  • Hospitality
  • Education

 

4

Grace Christian University

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Admission Requirements:

  • Holistic Admission Process
  • 20 ACT OR 940 SAT
  • 2.5 GPA
  • Admission Rate: 81%
  • Grad Rate: 31%
  • Average Annual Cost: $13,630
  • Pastoral Counseling
  • Human Services
  • Business
  • Bible Studies
  • Music

 

5

University of Southern Indiana

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Admission Requirements:

  • GPA of 2.5 on a 4.0 scale
  • Students age 24+ must have had a 2.0 cumulative high school GPA
  • Composite SAT score of a 900 OR Composite ACT score of a 17
  • Students age 21+ are not required to submit an SAT or ACT score
  • Admission Rate: 94%
  • Grad Rate: 53%
  • Average Annual Cost: $13,135
  • Nursing
  • Health Administration
  • Business
  • Education
  • Health and Physical Education

 

6

Southern New Hampshire University

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Admission Requirements:

  • Completed Application 
  • Transcript Release
  • Electronic Attestation Form, stating that you’ve graduated from high school or received your GED
  • Admission Rate: 78%
  • Grad Rate: 35%
  • Average Annual Cost: $32,678
  • Business
  • Psychology
  • Liberal Arts
  • Nursing
  • Accounting

 

Colleges that accept 3.0 GPA

Here are some examples of colleges that accept students with a 3.0 GPA and above.

1

Bloomsburg University of Pennsylvania

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Admission Requirements:

  • 3.0 GPA
  • Completed college prep curriculum in high school
  • Average test score: SAT: 1050-1090; ACT: 23 (Nursing: 1180 SAT, 24 ACT)
  • Top 30% of graduating class
  • Active in high school, community, and leadership activities
  • Admission Rate: 73%
  • Grad Rate: 64%
  • Average Annual Cost: $18,796
  • Business
  • Criminal Justice
  • Public Relations
  • Nursing
  • Psychology

 

 

2

Lamar University

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Admission Requirements:

  • 3.5 GPA
  • Top 25% of class
  • SAT Scores: Critical Reading: 480 – 580, Math: 470 – 560
  • ACT: 18 – 23
  • Admission Rate: 82%
  • Grad Rate: 39%
  • Average Annual Cost: $12,941
  • Nursing
  • Interdisciplinary Studies
  • Liberal Arts
  • Criminal Justice
  • Communication

 

 

3

Mesivtha Tifereth Jerusalem of America

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Admission Requirements:

  • 3.5 GPA
  • Top 25% of class
  • SAT Scores: Critical Reading: 480 – 580, Math: 470 – 560
  • ACT: 18 – 23
  • Admission Rate: 82%
  • Grad Rate: 39%
  • Average Annual Cost: $12,941
  • Nursing
  • Interdisciplinary Studies
  • Liberal Arts
  • Criminal Justice
  • Communication

 

 

4

The College of Westchester

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Admission Requirements:

  • 3.0 GPA
  • Completed college prep curriculum in high school
  • Acceptance Rate: 98%
  • Grad Rate: 44%
  • Average Annual Cost: $17,237
  • Business
  • Medical Assisting
  • Health and Medical Administration
  • Information Technology

 

 

5

University of Minnesota – Twin Cities

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Admission Requirements:

  • A minimum GPA of 3.0 for transfer student
  • Completed, or in progress, 26 or more post-secondary credits.
  • Acceptance Rate: 50%
  • Grad Rate: 79%
  • Average Annual Cost: $17,396
  • Psychology
  • Economic
  • Computer Science
  • Biology
  • Journalism

 

 

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Accounting vs Finance Degree Programs

Comparing a degree program in accounting vs finance could hold significant importance. Beyond the role of an accountant, an accounting career might encompass broader aspects, including engagement with financial planning. Notably, accounting majors can diverge significantly from their finance counterparts, which possess an equal allure for certain individuals.

Within the realm of business degrees, finance and accounting are two distinctive components, each bearing its unique traits. Both, however, bestow considerable value upon those who pursue them, ultimately aiming to enhance a company’s operational efficiency. Moreover, some of these programs also delve into the realm of personal finance management.

Accounting often exhibits a laser-like focus, honing in on specific financial facets, while finance casts a wider net, addressing a broader array of topics. Many students find merit in exploring elements from both these domains, crafting an educational experience that aligns with their career aspirations. It’s imperative to assess your specific job prospects and career ambitions, and this examination of the distinctions between accounting and finance degree paths can guide you toward achieving your goals.

Accounting Degree Programs

The essence of accounting degree programs lies in their emphasis on mathematics and numerical proficiency. These programs often encompass the realms of financial reporting and risk management through data analysis. Accountants play a pivotal role in the collection and meticulous organization of data, while others within this field are more inclined to decipher the implications of that data.

Such degrees in accounting serve as foundational platforms for a multitude of specialized careers. Frequently, they involve the intricate analysis of data, leveraging financial information to assess a company’s fiscal well-being. This extends to areas like bookkeeping, as well as more advanced functions such as crafting balance sheets and income statements, even encompassing the dynamics of cash flow.

In the pursuit of this field, you’ll find yourself delving into historical records and utilizing real-time reports to construct this invaluable data. Accounting programs often center on the creation of information, distinguishing them from their finance counterparts. This meticulously crafted information plays a crucial role in upholding accountability and significantly shapes a company’s decision-making processes.

Many types of accounting degree programs exist. You may want to consider more than one. Some options include these:

  • (BAcc) Bachelor of Accountancy
  • (BA or ACC) Bachelor of Arts in Accounting
  • Bachelor of Science in Accounting

Many may start pursuing work with a bachelor’s degree. You may go further. You may spend several more years learning. Some of the grad program options include these:

  • Master of Accounting (MAcc)
  • Master of Science in Accounting (MSA)

Students may learn the basics of the degree they choose. Then, they may choose a concentration that interests them. They may also choose electives. This may give you more room to expand your degree. You may even take some finance courses.

Finance Degree Programs

A finance degree stands notably apart from its accounting counterpart. Tailored to individuals seeking diverse career avenues, this degree proffers its assistance across a spectrum of professions—spanning the realms of banking and consultancy. Finance programs pivot towards the art of making astute investment decisions. In this arena, practitioners adeptly wield data to shape and substantiate choices, facilitating enterprises in cultivating profitability and often architecting strategies for robust expansion.

Within these programs lies a critical task—scrutinizing and deciphering information and data. This endeavor encompasses a meticulous evaluation, ascertaining the sagacious employment of funds. Consequently, the role extends to guiding enterprises toward strategic alterations. The process involves the craft of devising success-fostering strategies, frequently rooted in the bedrock of accountancy data.

Finance majors chart a specialized course that distinctly diverges from their accounting counterparts. Their focal point revolves around the universe of investments, which may encompass the intricate domain of stock ventures. Alternatively, some channel their energies into the intricate landscape of financial analysis tailored for corporate entities.

There are typically several finance degree program options. Consider a few different ones. Choose that which applies to the work you want to do.

  • (BA/F) Bachelor of Arts in Finance
  • (BSc/F) Bachelor of Science in Finance

You may go on to a grad degree. Many students do this. It helps them focus their education. You may need to do this for some positions. It may provide more advanced education. Some of the grad school options include:

  • (MSF) Master of Science in Finance
  • (M.Fin) Master of Finance
  • (MAF) Master of Applied Finance
  • (MFE) Master of Financial Economics

Accounting vs Finance Degree Programs

Finance vs. accounting degree programs may be very different. Higher education may help you meet your goals in either field. Concentrations matter. Take a look at this chart. It shows some of the differences you may expect. Which degree path is best for you?

ProgramsAccountingFinance
Designed ForStudents who are looking to become accountantsStudents looking to get into the field of finance
CoursesAccounting, Cost Accounting, Accounting Information SystemsIntroduction to Corporate Finance, Investment Analysis and Management, Financial Management
Career Path OptionsCertified Pubic Accountant, Government Accountant, Internal AuditorCredit Analyst, Finance Officer, Financial Advisor, Financial Planner
CertificationsCertified Public Accountant (CPA), Certified Management Accountant (CMA), Certified Internal Auditor (CIA)Certified Financial Analyst (CFA), Certified Financial Services Auditor (CFSA)

Which Degree Program May Be Perfect for You?

There are many options. Finding one perfect for you may be a challenge. You may love math. You may love people. Some in this field may enjoy creating financial goals. Others might like managing finances. Both fields may offer some of the same skills.

You may do well in accounting in some cases. Do you like to work numbers? Do you enjoy spending a lot of time on data? You may want to help companies manage their budget. You may also be interested in tax careers. This field is likely to be very analytical. It’s typically all about gathering data and organizing it. You may do well here if you are a critical thinker. And, you may also do well if you like to solve problems.

You may wish to focus on financing in other cases. You may like to find solutions. Or, you may like to see companies succeed. You may want to work with people more than books. And, you appreciate the math, but may be more focused on results. You might like to plan and create strategies. Or, you may be interested in economics. You may want to work in areas of investment. You may want to help start businesses.

What about your skills?

Accounting degree programs typically focus heavily on math and statistics. You might need to be willing to learn accounting methods. And, you may also need to be interested in following rules for compliance. You may also be the type of person that likes to interpret data. Or, you may learn skills in accounting principles that are complex. You don’t mind a challenge in that way.

The skills you need in finance are usually a bit different vs an accounting degree. You may need more critical thinking skills. You may also have to be able to make decisions. And, you may love to research and communicate with others. Many have theoretical knowledge. They are typically analytical people. You also may need to voice your opinion. Some in this field may teach others. They may offer insight into problems. They may develop strategies by thinking outside of the box.

It’s also important to think about your goals. Choose a career path first. Consider what type of business you want to work in. Think about the day to day work you may do. Accountants spend a lot of time with computer software. They analyze data. Those in finance spend more time with people. They deal with meetings. They may need to use technology to develop insights.

What may you pursue with an accounting degree?

Accounting degree outcomes may be numerous. Many pursue work with a bachelor’s degree. You may want to go further. A grad degree may be important to some people. Some degrees might require a special license or certification. That is true of becoming a certified public accountant. You may need more training to be a chartered accountant.

Are taxes interesting to you? If so, a career in tax is possible. You may need a certification. You may work in tax firms. And, you may also do taxes for companies. Some own private businesses.

International accounting is another area. You may want to help companies grow across borders. You may work in insurance companies. There, you may help with insurance claims. Government agencies hire accountants, too. They typically use them to balance finances. You may do this at a local, state, or federal level.

Your accounting degree may include a focus on working in a business. In this case, you may take sales data and record it. You may use software to manage it. You may track profits. Or, you may track expenses. You may help with ensuring accuracy in a company’s books. This may include balancing financial statements from banks.

What may you pursue with a finance degree?

Many people with a finance degree typically have a concentration. This may include corporate finance. It might be financial regulation. Some may work in areas such as behavioral finance. Financing modeling is likely another area. There may be many others.

Are you interested in helping to create money and build wealth? Finance degrees may focus on the “doing” part of business. Those in this job make decisions. They may also educate those who make decisions.

Most financing undergrad degrees focus on one area. Post grad degrees let students get more focus. They may want to work in banking. Some may work in financial engineering. Still others might focus on financial planning. The choice is yours.

The key is choosing the perfect finance degree. Consider the type of work you plan to do. You may do well in this field when you like creating plans. You may do well if you like to analyze data.

Courses

The courses you take for any program could help you prepare for your future job. There is some overlap in these courses. Here is a look at some of the courses you may take in accounting vs finance degree programs.

Common Accounting Courses

Accounting Information Systems

This is the study of business structure. You may learn how to collect and process data. You may learn about auditing. This course typically aims to focus on creating business reports. These skills help accountants gather data and make it usable.

Principles of Accounting

The principles of accounting tend to focus on several types of rules for accounting. This may include things like cost principle. It may include time period principle. You may learn more advanced concepts in a second course.

Cost Accounting

Cost accounting is a type of managerial accounting. It aims to focus on the cost of producing. Businesses use this info to make decisions. They also use it to determine profits. It may help companies improve costs and manage goals.

Corporate Taxation

This type of course typically aims to teach students about corporate tax. Corporate taxation is usually for federal tax reporting. It often teaches fundamentals. The focus may be on business taxes. Students may learn about the history and laws about taxes.

Common Finance Courses

Financial Statement Analysis

A financial statement analysis course may focus on reading statements. These are business documents. Students may learn to create them as well. It may teach what they are. It also may teach how to use data in decision making. Students may explore a variety of topics related to creating statements. This may include profit and loss.

Financial Markets and Institutions

A Financial Markets and Institutions course aims to teach about financial assets and markets. It often discusses the role of these areas in the economy. Students may learn about what financial markets are. They may explore concepts like levels of interest rates. They may also explore economy related skills.

Risk and Insurance

A course in risk management and insurance like this typically focuses on decision making. Students may learn how to identify risk. They then may learn how to mitigate it. That may be through the use of insurance products. Students may learn how to apply risk to financials. That includes for decision making.

Intermediate Corporate Finance

An intermediate corporate finance course may expand on finance skills. Students may learn topics related to business finance. This may includes using tools to manage this info. Students may learn about making business decisions. They may learn about working capital management. Many may take courses in multinational finance. This course often follows basic or intro programs.

Career Path Options

Degree programs may be important. You may need to know what degree and coursework is best for the career you hope to have. You may want to work in finance careers. And, you may be after a career path in accounting.

Employers may need people in both fields. Managing money and data is not easy to do. Software helps this. Yet, educated pros may make a difference for many companies. Many organizations need these professionals. That includes companies of all sizes. It also includes nonprofit organizations. Some work in government agencies.

Many types of companies may use both of these services. That includes banks. Building companies, insurance companies, and retailers as well. You may work in the public sector. You may work in an investment company.

And, you may use these skills to start your own company. This may take time. It may also help to have a more advanced degree to reach that goal.

Unsure where to start? Consider what type of work interests you. Think about your perfect job. Do some research. What type of education do you need? Which skills are important? Then, consider the details. That includes how much you may make. It also includes the demand for a job like you want.

Take a look at some of the jobs you may have in the United States. The information here comes from the Bureau of Labor Statistics (BLS).

Accounting Sample Career Paths

With an accounting degree, you may qualify for jobs such as the following.

Accountants

An accountant typically works to prepare financial records. They may work in businesses. Some have their own firm. They gather and manage financial information. This may include verifying accuracy. It may include examining accounting methods. They may work for banks. Some work for tax firms.

2023 Median Pay: $79,880
Job Outlook: 6% 

Bookkeeping Clerk

An bookkeeping clerk often works in companies. They provide bookkeeping services. They may also provide auditing services. Some provide basic accounting services. They help to produce financial records. They also verify accuracy in accounting. This includes looking over the financial books. They may help make decisions in financial matters.

2023 Median Pay: $47,440
Job Outlook: 5% decline

Tax Examiners and Collectors, and Revenue Agents

Tax Examiners and Collectors, and Revenue Agents typically work for government agencies. They may be tax examiners. Some work as tax collectors. Others may work as revenue agents. They may work to verify tax forms and records. They may also determine taxes owed. And, they might work with individuals and companies to collect taxes. These professionals may work for the United States federal government.

2023 Median Pay: $58,530 
Job Outlook: 2% (Slower than average)

Financial Manager

financial manager is typically a  type of financial manager. You may work with direct investment activities. Some may develop investment plans for companies. Some may help to establish financial goals for businesses. They may often create financial reports. They may gather insights and make recommendations based on data. Many also help minimize risks. They may work for banks. Some might work within businesses. Others could work in insurance companies. Investment firms often hire controllers as well.

2023 Median Pay: $156,100
Job Outlook: 17% (Much faster than average)

Top Executive

Top Executive may be a Chief Financial Officer or (CFO). Their job typically focuses on financial strategy planning. They use data from the company’s books to make decisions and may develop financial goals. They may also create policies for reaching those goals. Some create financial strategies. They are an important role in many organizations. That includes smaller companies, too.

2023 Median Pay: $103,840 
Job Outlook: 6% (Faster than average)

Budget Analyst

budget analyst typically help  to organize finances. They could work with public and private companies. They may help create a budget. Or, they may look at existing budgets to improve them. They may also work to pinpoint concerns. They are usually a valuable component of many companies. Some may work in universities. Others might work for nonprofit organizations. Some work in government agencies as well.

2023 Median Pay: $84,940
Job Outlook: 3%

Finance Sample Career Paths

Finance careers are numerous. They include these career path options.

Financial Analyst

financial analyst typically gathers information and develops reports. They may often work to create long term goals for companies. Some might work with individuals. They often create direct investment activities. Many spend time working to create financial strategies for people. They analyze trends. Many work in executive positions.,

2023 Median Pay: $99,010
Job Outlook: 9%

Financial Advisor

financial advisor typically works with people to manage their finances. Some may help people to plan their financial future. They may help them make investment decisions. They may help with asset management. Some might help with debt management. They may work in the insurance industry as well. Some may have their own business. Others might work in a private organization. Many work in financial investment firms.

2023 Median Pay: $99,580 
Job Outlook: 17% (Much faster than average)

Loan Officer

loan officer typically works in banks. Some could work with third party lenders. They usually evaluate loan applications. They may often authorize the lending of money to a person or business. And, they often recommend approval. They may gather data to do this. That includes application info. They may seek out credit scores. Loan officers may work for many types of lenders. This includes banks and credit unions. It may include mortgage companies. Some work in commercial banks.

2023 Median Pay: $69,990
Job Outlook: 1% (Slower than average)

Securities Officers

securities officer may also be called a financial services agent. These individuals typically work to sell investments. They may work with individuals. Some may work within financial markets. They may deal with commodities. Some might work in financial organizations. Many work in financial investment companies.

2023 Median Pay: $76,900
Job Outlook: 7% (Faster than average)

Financial Managers

financial manager usually work in investment firms. They may concentrate in stocks and investment strategies. They typically help companies develop financial reports. Also, they might create direct investment goals. Many may develop strategies for building finances for the business. They may work in banks or insurance companies as well.

2023 Median Pay: $156,100 
Job Outlook: 17% (Much faster than average)

Certifications

Sometimes, you may benefit from a certification. These show you have specific skills in an area of focus.

Some accounting certificates that may help you include:

  • Certified public bookkeeper
  • (CIA) Certified internal auditor
  • (CPA) Certified public accountant
  • (CMA) Certified management accountant

Some finance specific certificates may help you, such as:

  • (CFF) Certified in financial forensics
  • (CFA) Certified financial analyst
  • (CFE) Certified fraud examiner
  • Certified tax preparer
  • Enrolled agent

This is an offer for educational opportunities that may lead to employment and not an offer or guarantee of employment and that may help prepare students to meet the certification requirements of the field they choose to study. Students should check with the appropriate certifying body to make sure the program they apply to will help meet any certification requirements. Students should also consult with a representative from the school they select to learn more about career opportunities in that field. Program outcomes vary according to each institution’s specific program curriculum.

Business Majors in College

Many business majors in college exist. You may wish to learn to run a business. You may want to learn how to operate a specific area of business. Majoring in business in college is a common path. Some people may minor in this area, too. You may wish to choose an area that appeals to you. Then, work on earning a degree in it.

Business majors hold significant value for numerous companies. They play a pivotal role in recruiting and nurturing talented individuals who contribute to a company’s expansion. Your involvement could extend to strategic decision-making, leveraging critical thinking skills to mitigate potential risks. Specific roles might include financial management, personnel supervision, or product-focused responsibilities. 

Navigating this multitude of options can indeed pose challenges. To facilitate your decision-making, explore various business majors available in college. Opt for the one that aligns with your intrinsic passion and resonates with the potential tasks you’d undertake in that field. Consider your affinity for working with people, your interest in sales, or your inclination towards quantitative disciplines like mathematics. 

The range of options is expansive, reflecting the versatility of degree programs. These programs empower you to tailor your academic journey to your preferences. Let’s delve into an overview of some common types of business majors offered in college. 

Types of Business Degree Programs

Choosing the right degree to pursue in the realm of business offers a multitude of options. The selection of your degree hinges on various factors, often encompassing employer expectations and the value of practical experience. Here is a look at the various options you may wish to choose to pursue. 

Associate Degree in Business

Consider an AAS or AS, as a potential choice. An associate degree commonly marks the starting point of your educational journey. Within a span of two years, you can attain this degree, although some programs might have a shorter duration. Certain programs of this kind might be fully conducted online, while others could be accessible through local community colleges. These courses are typically foundational in nature, covering a range of subjects from broad to specific aspects of the business realm. This specialization often equips you with the skills to perform distinct business functions. 

An additional motive for pursuing an associates degree in business could arise if you’re uncertain about your preferred business domain. Some of these degrees encompass a comprehensive curriculum, providing insights into various segments of business, including accounting, business law, and leadership skills. This diverse exposure assists in identifying your areas of interest. It’s not uncommon for individuals to pursue a bachelor’s degree subsequent to completing an AAS, thereby gaining a clearer understanding of their optimal business focus. 

Associates degrees usually have a shorter duration, rendering them more cost-effective compared to traditional four-year programs. For many students, this presents an opportunity to mitigate educational expenses. Furthermore, there’s the potential for earned credits to be transferrable to other educational institutions. However, it’s essential to confirm this aspect prior to finalizing your decision. Should this be the case, it can significantly contribute to obtaining a more advanced degree while minimizing financial outlay. 

There are various types of associates degrees in business. Some examples of areas you may wish to explore include these.

  • Introduction to Human Resources
  • Customer Service Skills
  • Intro to Taxation
  • Business Analysis and Intelligence
  • Intro to Finance

You may be able to use this to help you work in administrative positions in companies. Some work in assistant management positions. Others work in sales support positions. Some go on to start their own business. Many may pursue more advanced degrees.

Is an AAS or AS Best?

An applied associate of science degree is a foundation program. It typically covers business principles. It could also help develop entry level skills. An associate of science focuses on general education courses. It may include business admin basis.

Bachelor of Business Administration

You may have more options at this level. That includes a Bachelor of Business Administration. It may also include a Bachelor of Science in Business Administration. Some also may take a Bachelor of Arts in Business Administration.

Many bachelor degrees include general courses. They also may included advanced courses. This may include areas of math or English. These are skills many may need for business and a business major in college. Many offer electives. This lets a student concentrate. It may help them take courses they are interested in. Then, many may have a concentration focus. This may include a specific area of student. It may include business law. For some, it may include operations management. These programs typically take four years to complete.

The combination of these skills may help a person be valuable to a company. They also need soft skills. Many bachelor’s programs help with this. They may teach communication skills. They may teach critical thinking skills. Many may also teach leadership. These are often important in the business environment as well. These often are specific to the area of study. Those in operations or admin positions may benefit from strategic thinking. Others may need strong math skills.

Many bachelor’s degree programs may also offer other opportunities. This may include internships in companies. These may help students gain real world skills. Othersmay  offer case projects. Some may have capstone projects. Others may have apprenticeships.

Students could learn a great deal in a bachelor’s degree. They may use it to explore topics such as:

  • Business Formation
  • Business Law
  • Managing People
  • Business Finance
  • Business Marketing
  • Research and Development

Some may work in business management positions. Others may use their degree to start their own business. Some may go on to pursue more advanced education.

What’s the Difference in BBA, BSBA, and BABA?

A BBA is a broader focus. Classes may include marketing and economics. A BSBA has a more math focused curriculum. A BABA is more liberal arts focused. It may include more human management courses.

Master of Business Administration

A Master of Science in Business Administration is one option. A Master of Arts in Business Administration is another. The key to these business majors in college is that they tend to be very concentrated. Students may learn advanced skills in key areas of focus. Master’s programs tend to take two years to complete. Some are available online.

There are many options. Students may focus on areas such as:

  • Business Law
  • Economics
  • Human Resources
  • Finance

Students may work in areas such as supply chain management. Others may work as financial advisors. Some could also work as a financial analyst or in consulting fields. Others may work in areas of financial development. Others may want to move into related areas. This may include healthcare or product development.

Some students go on. They may earn a doctoral degree. It provides an even higher level of focus. Students may concentrate in this program. They may attend another 18 months to 2 years to complete this advanced education.

Different Types of Business Majors in College

Which business majors in college are perfect for you? A bachelor’s degree is typically the first step. You may be able to go to a business school. You may go to a traditional college with business majors. The decision making process may be hard. Here are some programs to consider. You may be able to get started on this degree right after high school.

Accounting Degree

An accounting degree often applies to many positions. Some may pursue a career as an accountant. These professionals could work in finance fields. They may work in a public or private company. This type of business degree may be a major or minor. Some may take this program as a part of a humane resource degree. Others likely take it with a business administration degree. Grad students may take it as part of a Master of Business Administration (MBA) program. Accounting majors may be very specific. They could be general, too.

Courses:

  • Intermediate Accounting
  • Cost Management
  • Federal Income Tax
  • Auditing
  • Business Law
  • Information Systems
  • General Business Management

Potential Career Paths: Accounting Consultant, Auditor
2023 Median Pay: $79,880 per year / $38.41 per hour 
2023-33 Job Outlook: 6% (Faster than average)
2023-33 Jobs Available: 1.54 million

Advertising Degree

An advertising degree aims to teach students how to help market and sell products or services. Students may work in public relations. Some may work in advertising or marketing in private firms. In a bachelor’s degree in advertising, students s may develop critical skills. They may need strategic thinking. They could learn about mass communication. Some may learn journalism. You may take this program as part of other business degrees as well. Some students may minor in it. They may major in business law or public relations.

Courses:

  • Media Planning
  • Creative Strategy
  • Research
  • Media Planning
  • Law and ethics
  • Advertising campaigns

Potential Career Paths: Copywriter, Production Coordinator, Creative Director, Marketing Manager
2023 Median Pay: $156,580 per year / $75.28 per hour
2023-33 Job Outlook: 8% 
2023-33 Jobs Available: 389,000

Economics Degree

An economics degree may help you take part in the world of finance. Some people work for companies. Others may work for government agencies. They may help with decision making for investments. An economics degree often leads to working as an economist. Some people major in this field. This usually requires at least a bachelor’s degree. A master’s degree is often necessary for many jobs. This field is typically math based. Students may spend time learning about predicting outcomes. They may study business on a global scale.

Courses:

  • Microeconomics
  • Macroeconomics
  • Applied Econometrics
  • Game Theory
  • Principles of Economics
  • Microeconomics

Potential Career Paths: Economist
2023 Median Pay: $115,730 per year / $55.64 per hour
2023-33 Job Outlook: 5% (As fast as average)
2023-33 Jobs Available: 17,600

Entrepreneurship Degree

An entrepreneurship degree  may be a varied program. It is not just for those who want to start a business. It could also help those who wish to work in business management. Often, it aims to teach about business development. It could help you learn how to start a business. It may focus on growing a company. And, it may bring together many of the business topics in one program. This may include marketing. It may include business law.

Courses:

  • Entrepreneurial Marketing
  • Entrepreneurial Finance
  • Entrepreneurship and the Startup Methods
  • Entrepreneurship and Society

Potential Career Paths: Business Consultant, Recruiter, Management Analyst
2023 Median Pay: $99,410 per year / $47.80 per hour
2023-33 Job Outlook: 11%  (Much faster than average)
2023-33 Jobs Available: 987,600

Finance Degree

Every business may need to manage money. A finance degree could help you learn how. This is a broad degree. Many people may concentrate in it through a master’s program. It typically aims to provide students with financial knowledge in various areas. Some students may focus in investment management. They may help make investment decisions. Others may turn to banking. Corporate financial analysis is likely another area. Global finance may interest some. Risk management is another area. Students interested in finance may have many career path options. Finance majors may range widely.

Courses:

  • Foundations of Managed Care
  • Business Project Management
  • International Healthcare
  • Asset Management
  • Financial accounting
  • Fixed Income Securities
  • Financial Management

Potential Career Paths: Clinical Director, Medical Records Manager, Office Manager
2023 Median Pay: $156,100 per year / $75.05 per hour
2023-33 Job Outlook: 17% (Much faster than average)
2023-33 Jobs Available: 792,600

Hospitality Management Degree

hospitality management degree is one often focused on teaching people how to help others. Those with this degree often work in hotels. They may work in casino management. Some also may work in food service management. They may learn about helping people to enjoy their experience. Some also may learn marketing. They may learn social media marketing. Many learn operations management. They may learn to run a hotel in many areas.

Courses:

  • Housekeeping Management
  • Hotel Front Office Management
  • Hotel Convention Sales and Services
  • Hospitality and Tourism Law
  • Leadership in Hospitality

Potential Career Paths: Travel Agent, Travel Attendant, Lodging Manager
2023 Median Pay: $65,360 per year / $31.42 per hour
2023-33 Job Outlook: 10% (Much faster than average)
2023-33 Jobs Available: 50,800

Human Resources Degree

human resources degree is a business degree. Some students may earn a B.A. in it. They may work as human resource professionals. Others may take human resources coursework to work in other business degrees. A B.S. in Human Resource Management is one path. Students may learn how to hire employees. They may learn how to build relationships in teams and may also ensure companies meet ethical requirements. They may use business data and aim to provide education to employees. And, they may help make business decisions.

Courses:

  • Human Resources Management
  • Principles of Management
  • Human Resource Strategy and Development
  • Total Rewards
  • Business Operations

Potential Career Paths: Human Resource Specialist, Human Resource Manager
2023 Median Pay: $136,350 per year / $65.55 per hour
2023-33 Job Outlook: 6% (Faster than average)
2023-33 Jobs Available: 191,600

International Business Degree

An international business degree aids in global business development. Students may learn how to market and build business on a global scale. They may learn about management. They may focus on finance. Also, they may learn about growth strategies. Ethics and law are often a component of this program many times. Many students could earn a Master of Science in International Business. Many could also develop analytic degrees. They may learn to make decisions in a business environment. Cultural areas of study may also be important.

Courses:

  • International Finance Management
  • International Marketing
  • Global Supply Chain Strategy
  • Introduction to International Accounting and Finance
  • Managing the Global Enterprise

Potential Career Paths: Management Analyst, Marketing Manager
2023 Median Pay: $99,410 per year / $47.80 per hour
2023-33 Job Outlook: 11% (Much faster than average)
2023-33 Jobs Available: 987,600

Management Degrees

Management degrees are a foundation. Many other business majors in college include management. Some people may just earn a bachelor’s in management. Others may go on to learn a master’s. Those who take these programs learn to supervise. They may learn how to manage company assets. They may learn to meet growth expectations. Some learn to use business data. This field may be concentrated. Some may manage finance companies. Others may manage manufacturing companies. Many may work as managers. Others work as CEOs or executives. Some students could have a focus in supply chain management.

Courses:

  • Intermediate Accounting
  • Cost Management
  • Federal Income Tax
  • Auditing
  • Human Resources
  • Business Law
  • Business Ethics

Potential Career Paths: Management Analysts, Accounting Consultant, Auditor
2023 Median Pay: $99,410 per year / $47.80 per hour
2023-33 Job Outlook: 11% (Much faster than average)
2023-33 Jobs Available: 987,600

Marketing Degree

Many companies often need to market. This is a way of telling others what products and services are available. A marketing degree could be very valuable. An associate’s degree in marketing is one option. Many students pursue a bachelor’s or master’s degree. Students may learn professional selling. They may learn marketing research. They may learn to use business data. Many students also learn consumer behavior. They may also learn about social media. They may go on to work in marketing firms. Some may own their own business. Others may work in large companies.

Courses:

  • Introduction to Marketing Management
  • Foundations of Professional Sales
  • Marketing Research
  • Consumer Behavior
  • Marketing Strategies
  • Marketing Methodology

Potential Career Paths: Account Executive, Media Planner, Brand Manager
2023 Median Pay: $156,580 per year / $75.28 per hour
2023-33 Job Outlook: 8% (Faster than average)
2023-33 Jobs Available: 389,000

Operations Management Degree

An operations management degree is another business program. Many people may take this program to work as an operations manager. These people could learn how to lead others. They also may oversee operations in companies. This includes the day to day management tasks. It may also include making decisions for the company. They work to manage products and supply chains in some cases. Many may work in manufacturing. Others may work in office settings.

Courses:

  • Systems Innovation
  • Leading the Enterprise
  • Enterprise Planning and Implementation
  • Energy Strategy and Innovation
  • Organizational Leadership
  • Management Information Systems

Potential Career Paths: Compliance Manager, Manufacturing Manager, Office Manager
2023 Median Pay: $75,670 per year
2023-33 Job Outlook: 1.6% 
2023-33 Jobs Available: 359,640

Project Management Degree

project management degree aims to help students learn to manage people and projects. This may include learning to manage projects from the conception through completion. Those with this degree may work as a project manager. They may have to learn to work with people. This may include human resource management classes. They may also learn about decision making. They may have to balance project budgets. And, they may have to develop project plans. Many aim to help company leaders make decisions. They also may watch and control outcomes.

Courses:

  • Applying Leadership Principles
  • Operations Management
  • Assessing and Managing Risk
  • Project Management Tools
  • Procurement and Contracting
  • Project Leadership
  • Assessing and Managing Risk

Potential Career Paths: Construction Manager, Operations Manager
2023 Median Pay: $104,900 per year / $50.43 per hour
2023-33 Job Outlook: 9% (Much faster than average)
2023-33 Jobs Available: 505,800

Public Relations Degree

public relations degree aims to focus on the relationship between a business and the community. Some may work in business. Others may work in government. Students often need a bachelor’s degree to get a job. These degrees sometimes pair with marketing or advertising degrees. Students may learn about media. They often learn about sales language. They may learn about human decision making. And, they may also learn a bit about psychology.

Courses:

  • Public Relations Principles
  • Media Writing
  • Communication Pathways
  • Public Relations Strategies
  • Media Law
  • Theory of Ethics
  • Public Relations Campaigns
  • Persuasion

Potential Career Paths: Marketing Coordinator, Fundraiser, Media Planner
2023 Median Pay: $156,580 per year / $75.28 per hour
2023-33 Job Outlook: 8% (Faster than average)
2023-33 Jobs Available: 389,000

Supply Chain Management Degree

Supply chains aim to help products move from manufacturers to warehouses. They then could help to get them to consumers. A supply chain management degree is of growing importance. More business may be  done online. That may make managing these complex systems so important. Those who get this degree may help with that. That may include procurement of products. It may focus on production. In some areas it could focus on distribution or allocation. Many people work in the delivery aspect. They may learn to manage people. Many may work in high-tech surroundings.

Courses:

  • Principles of Management
  • Business Law
  • Financial Accounting
  • Managerial Accounting
  • Organizational Behavior
  • Integrated Project Management
  • Business Modeling
  • Transportation and Logistics Management

Potential Career Paths: Logistics Manager, Transportation Manager, Logistician
2023 Median Pay: $99,200 per year
2023-33 Job Outlook: 8% 
2023-33 Jobs Available: 127,000

Taxation Degree

taxation degree aims to prepare students to do taxes for individuals. They may also learn to do taxes for businesses. They may learn the current tax code. And, they may also learn accounting skills. Not everyone in taxation has a formal degree. Some may have a certificate. Those with a degree may work in companies. They may provide leadership skills to tax departments. Some own their own business. Others may work within larger tax firms. Some students may also get a finance degree. Some could go on to earn their CPA.

Courses:

  • Tax Research
  • Estate and Gift Taxation
  • Tax Accounting
  • International Taxation
  • Business Law
  • Cost Accounting
  • Finance

Potential Career Paths: Financial Planning Consultant, Certified Public Accountant
2023 Median Pay: $99,580 per year / $47.88 per hour
2023-33 Job Outlook: 17% (Much faster than average)
2023-33 Jobs Available: 327,600

Direct Entry MSN Programs for Non Nursing Majors Online

Are you a non-nursing major looking to explore the world of nursing? Consider the availability of direct entry MSN programs online – a potentially perfect fit for you. This option opens doors to pursuing a career you truly love and could be the ideal way to jumpstart your journey in the nursing field. Embrace this opportunity as one of the pathways to enter the fulfilling realm of nursing.

direct-entry-msn-program-ec

What Is a Direct Entry MSN Program?

A direct entry master’s in nursing (MSN) program is for students with a non nursing degree who would like to pursue a career as a registered nurse (RN) or advanced practice nurse (APRN). A direct entry MSN program may be available for non-nursing majors online. These people may wish to work as a registered nurse (RN). Some may want to work as an advanced practice nurse (APRN). APRNs are those who earned their master’s degree. There may be a lot of options in this program. See which ones may work for you.

Does an MSN Need a Nursing Degree?

Some schools may require a nursing degree. Many may need an active nursing license. That may not be the case for all programs. Non nursing students may apply. But, all typically need a bachelor’s degree. This may not need to be in nursing.

What You May Learn in an Online Direct Entry MSN Program

Students may learn a great deal in these direct entry MSN programs for non nursing majors online. That could includes gaining clinical experience. A direct entry master may often provide significant concentration. Students may wish to choose mental health. Others may wish to choose gerontology. Many may also learn skills such as these:

  • Health assessments
  • Clinical leadership
  • Psychiatric eval
  • Forensic nursing

Nursing students typically learn a great deal. They may learn how to provide a safe environment. They may have critical thinking skills. And, they may help to hold leadership roles. Many may have good skills to communicate. They lead decision making. They may provide respectful patient care.

Some courses you may take include these:

  • Pathophysiology
  • Microbiology
  • Pharmacology
  • Leadership
  • Clinical experience
  • Disease prevention

Courses are many. Students may choose which interest them. Some may be  set by the program. Others may be electives. There is typically a lot of room for options. Some students may choose courses that interest them. This may be based on the job they hope to have.

How Long Could It Take to Earn My MSN Degree in a Direct Entry Program?

Direct entry MSN programs for non nursing majors online typically vary. Some may take 15 months to complete. Others could take two years. Part time and full time options usually exist. Accelerated MSN programs may be available. Some programs may need 30 credits. Many typically need 70 to 80. Previous education may play a role in what you take.

How Much Does a Direct Entry MSN Online Program for Non Nursing Majors Typically Cost?

Cost may depend on many factors. School tuition costs typically vary from one area to the next. Concentration areas may help individuals to earn more. These may cost more as well. Based on the type you choose. The cost includes many things. That may include tuition. There are typically lab costs and fees. Students may pay more if they live on campus. Others could  complete an online program. These may be more affordable.

Many may qualify for discounts. This may include scholarships and grants. There may be financing options available. More affordable nursing programs may be available. Some students may receive funds from an employer to cover the costs. Financing may help to cover costs. This ranges. Students may wish to talk to financial counselors for some help.

Could I Earn Both a BSN and MSN Degree as Part of This Program?

Some programs may offer a BSN degree program. This may be available after pre-licensure is met. That happens after the curriculum is complete. Other programs typically do not do this. They likely only provide an MSN. That may be available after completing the whole program. Compare schools. Some may allow for BSN and MSN at the same time. It may be possible to find what you need.

How to Check Accreditation for Direct Entry MSN Programs Online

You may gather info about any school. You must know the facts. Look for a program from the Commission on Collegiate Nursing Education. This may be CCNE. Another option is the Accreditation Commission for Education in Nursing. Or, ACEN.

What Could I Pursue with a Direct Entry MSN Online Degree?

Students may typically enter a wide range of career paths. Many choose fields that interest them. This may include careers such as these.

You may aim to become a registered nurse. The U.S. Bureau of Labor Statistics notes the annual median wage for a registered nurse was $86,070 as of May of 2023.

You may work as a nurse practitioner. The 2023 annual median pay for this field is $129,480 per year as noted by the BLS.

Some students may work as a nurse midwife. This is a growing field. The BLS reports it is growing at 40% through 2023-33. That is much faster than average. The 2023 annual median pay for this field was $129,650 per year. Another career path may typically include a medical and health services manager. Those in this field had a median annual pay of $110,680 in 2023. That’s noted by the BLS.

Online Direct Entry MSN Programs

Take a look at some direct entry MSN programs. These may be available through numerous schools in the U. S. Other options may exist. Choose a program perfect for your needs. Online programs offer flexibility. This is something today’s students may need. Our data comes from the NCES.

1 Azusa Pacific University


Azusa Pacific University typically offers an online program. You may work to become a clinical nurse specialist. This program may teach theory, policy, and bioethics.

Admission Requirements

A grad app is necessary. Students must typically have a bachelor’s degree. It must come from a regionally accredited school. GPA may also be a factor.

Accreditation

WASC Senior College and University Commission

Tuition & Fees

Undergrad: $43,600
Grad: $17,330

Financial Aid

% that get financial aid: 100%

Average amount that is awarded: $28,652

Admission Rate

67%

 

2 Jacksonville State University


Jacksonville State University typically offers a program that includes emergency management. They may also offer a population health nursing program. There is a nursing education track as well.

Admission Requirements

Students typically must complete a bachelor’s degree. An online app is available for this master’s degree.

Accreditation

Southern Association of Colleges and Schools, Commission on College

Tuition & Fees

Undergrad: $22,716
Grad: In-State $17,640

Financial Aid

% that get financial aid: 100%

Average amount that is awarded: $8,826

Admission Rate

55%

 

3 Arizona State University


Arizona State University offers a program for grad students. Programs typically include advanced nursing practice. There may be several focuses available. Innovation leadership is one of them.

Admission Requirements

Students must complete an app online. They need to meet the requirements. Letters of recommendation may be necessary. A 3.0 GPA may be needed.

Accreditation

Higher Learning Commission

Tuition & Fees

Undergrad: $32,193
Grad: $26,735

Financial Aid

% that get financial aid: 89%

Average amount that is awarded: $12,381

Admission Rate

86%

 

4 American Sentinel University


American Sentinel University offers flexible online programs. This typically includes a DNP degree. There are five concentrations for MSN degrees as well. Several learning paths are available.

Admission Requirements

Applicants must meet specific RN education levels. Then, complete the online app. Students with an RN license need to submit info to the school about it.

Accreditation

Distance Education Accrediting Commission, Higher Learning Commission

Tuition & Fees

Undergrad: $10,800
Grad: $6,845

Financial Aid

Students that get financial aid: 133 students

Average amount that is awarded: $2,287

Admission Rate

N/A

 

5 University of Central Florida


The University of Central Florida offers several MSN programs. This typically includes a nursing and health care simulation program. Another is nurse educator. They may also offer a leadership and management program.

Admission Requirements

Students apply online. Program requirements exist. Students must meet academic minimums.

Accreditation

Southern Association of Colleges and Schools, Commission on Colleges

Tuition & Fees

Undergrad: $22,467
Grad: 28,657

Financial Aid

% that get financial aid: 85%

Average amount that is awarded: $9,585

Admission Rate

44%

 

6 University of Florida


MSN students may choose from several programs at the University of Florida. An MSN to DNP program is one option. Online programs may be available for several nursing field degrees.

Admission Requirements

Grad students need to fill out an application online.. Limited spots are available. Students may need letters of recommendation to qualify.

Accreditation

Southern Association of Colleges and Schools, Commission on Colleges

Tuition & Fees

Undergrad: Out-State $28,659; In-State $6,381
Grad: In-State $12,737; Out-State $30,130 

Financial Aid

% that get financial aid: 88%

Average amount that is awarded: $10,724

Admission Rate

23%

 

7 Clayton State University


Clayton State University offers a direct access MSN program. This typically includes a family nurse practitioner program. Other focuses may include geriatric and pediatric fields.

Admission Requirements

Prerequisites apply to most course options. There is an online app. Test scores and transcripts are necessary.

Accreditation

Southern Association of Colleges and Schools, Commission on Colleges

Tuition & Fees

Undergrad: $15,790
Grad: $12,625

Financial Aid

% that get financial aid: 89%

Average amount that is awarded: $8,505

Admission Rate

51%

 

8 Brenau University


Brenau University offers a flexible MSN program. That typically includes a family nurse practitioner program. Leadership and management is another option. You may obtain a Master of Science in Nursing online.

Admission Requirements

Students must meet prerequisites. They apply online. Transcripts are necessary. RNs with a license must provide info on that.

Accreditation

Southern Association of Colleges and Schools, Commission on Colleges

Tuition & Fees

Undergrad: $33,275
Grad: $14,552

Financial Aid

% that get financial aid: 95%

Average amount that is awarded: $25,170

Admission Rate

87%

 

9 Illinois State University


Illinois State University typically offers an MSN path. This is through the Mennonite College of Nursing. It offers a BSN to DNP program as well.

Admission Requirements

GPA is one component of the app process. Students need letters of recommendation. They need to complete a full grad application.

Accreditation

Higher Learning Commission

Tuition & Fees

Undergrad: 28,086
Grad: 12,646

Financial Aid

% that get financial aid: 96%

Average amount that is awarded: $11,590

Admission Rate

82%

 

10 Ball State University


Ball State University offers a Master of Science in Nursing. This includes a nurse educator path. Family nurse practitioner (FNP) is another route. Nurse administrator is a third option.

Admission Requirements

Getting started requires an online app. Students need to meet prerequisite courses. Essays and letters of rec may be required.

Accreditation

Higher Learning Commission

Tuition & Fees

Undergrad: 28,766
Grad: 29,196

Financial Aid

% that get financial aid: 75%

Average amount that is awarded: $13,046

Admission Rate

69%

 

11 Briar Cliff University


Students may study a nurse practitioner program at Briar Cliff University. This program typically offers a psychiatric mental health nurse practitioner (PMHN).. Adult and gerontology is another option.

Admission Requirements

Applicants apply online. The college of nursing offers limited applicants. Course history and transcripts play a role in this.

Accreditation

Higher Learning Commission

Tuition & Fees

Undergrad: $35,534
Grad: $9,366

Financial Aid

% that get financial aid: 98%

Average amount that is awarded: $26,325

Admission Rate

Open

 

12 Northern Kentucky University


The master’s program at Northern Kentucky University is a fully online program. Part time and full time options may exist. Students in the nursing profession may apply. Concentration in microbiology is an option.

Admission Requirements

Students with a license may apply. Online applications are available. NCLEX-RN recognition is available.

Accreditation

Southern Association of Colleges and Schools, Commission on Colleges

Tuition & Fees

Undergrad: 21,480
Grad: 16,044

Financial Aid

% that get financial aid: 98%

Average amount that is awarded: $11,492

Admission Rate

86%

 

13 Andrews University


The Andrews University School of Nursing offers an online program. This typically includes BSN pre-licensure. A DNP option may be available. There may also an available RN-BSN online program.

Admission Requirements

Students apply online. The nursing school requires prerequisites based on program selection. GPA plays a role.

Accreditation

Higher Learning Commission

Tuition & Fees

Undergrad:$33,710
Grad: $28,440

Financial Aid

% that get financial aid: 96%

Average amount that is awarded: $19,186

Admission Rate

91%

 

14 Northern Michigan University


In the MSN at Northern Michigan University, students may learn primary care management. Policy and advocacy are also options. An advanced practice nurse program may be available.

Admission Requirements

Students need to apply online. There are several requirements. A current RN license is one requirement. A written description of goals is another.

Accreditation

Higher Learning Commission

Tuition & Fees

Undergrad: 18,800
Grad: 15,056

Financial Aid

% that get financial aid: 92%

Average amount that is awarded: $9,008

Admission Rate

71%

 

15 Minnesota State University Mankato


Consider Minnesota State University Mankato. It typically has a post nursing masters primary care FNP GC. It also offers a Nursing Practice DNP. A baccalaureate path is available.

Admission Requirements

Students may complete a grad app online. Course requirements are necessary. Students may need to obtain letters of recommendation.

Accreditation

Higher Learning Commission

Tuition & Fees

Undergrad: 18,860
Grad: 19,212

Financial Aid

% that get financial aid: 65%

Average amount that is awarded: $5,798

Admission Rate

71%

 

16 Alcorn State University


Alcorn State University has an MSN degree path. There are typically two options for baccalaureate prepared nurses. The Nurse Educator path is the most common. The second is an FNP program.

Admission Requirements

A formal online app is required. Applicants may need to meet testing levels. Licensing may be required.

Accreditation

Southern Association of Colleges and Schools, Commission on Colleges

Tuition & Fees

Undergrad: $8,549
Grad: $9,263

Financial Aid

% that get financial aid: 100%

Average amount that is awarded: $10,763

Admission Rate

30%

 

17 Clarkson College


Clarkson College typically offers two MSN programs. There is the RN to MSN and an option to get a Master of Science in Nursing.

Admission Requirements

An online app is available. A minimum 3.0 GPA as well as an Associates Degree as well as other testing is required.

Accreditation

Higher Learning Commission

Tuition & Fees

Undergrad: $15,168
Grad: $12,546

Financial Aid

% that get financial aid: 81%

Average amount that is awarded: $9,641

Admission Rate

56%

 

18 Seton Hall University


Seton Hall University offers several program options. This typically includes a primary care NP. It may also include an acute care NP. This school usually offers a health systems administration route. The pediatric primary care NP is also online.

Admission Requirements

Admission to the program requires an app. It also requires meeting prerequisites. These programs are somewhat limited in availability.

Accreditation

Middle States Commission on Higher Education

Tuition & Fees

Undergrad: $51,370
Grad: $36,110

Financial Aid

% that get financial aid: 100%

Average amount that is awarded: $33,582

Admission Rate

75%

 

19 Thomas Edison State College


The Thomas Edison State College MSN degree options are numerous. They typically include a nursing informatics plan. There is also a nursing educator and admin path. Students may need to complete 36 credits. This includes core courses.

Admission Requirements

To apply, students need to have a bachelor’s degree. It must come from an accreditted school. A GPA of 3.0 is also necessary. Other qualifications exist.

Accreditation

Middle States Commission on Higher Education

Tuition & Fees

Undergrad: 8,598
Grad: $12,150

Financial Aid

Students that get financial aid: 26%

Average amount that is awarded: $3,428

Admission Rate

N/A

 

20 Mercy College


The nursing education path at Mercy College is typically extensive. Nurse midwife is one field. Another is nurse anesthetist. Students may have access to advanced tech. It also has a large simulation lab.

Admission Requirements

A grad school application is necessary. This may include GPA scores and grades from previous classes. Students may need to prove they qualify for the specific grad program.

Accreditation

Middle States Commission on Higher Education

Tuition & Fees

Undergrad: $18,950
Grad: $17,238

Financial Aid

% that get financial aid: 97%

Average amount that is awarded: $10,223

Admission Rate

86%

 

21 East Carolina University


The Master of Science in Nursing path at East Carolina University is typically an extensive program. Students may have the opportunity to learn patient care approaches. Adult gerontology NPs are one path. Neonatal NPs, nurse midwives, and administers are other options.

Admission Requirements

Students fill out an app online. Students need to apply with credentials. This includes a license for some programs.

Accreditation

Southern Association of Colleges and Schools, Commission on Colleges

Tuition & Fees

Undergrad: 23,638
Grad: 20,807

Financial Aid

% that get financial aid: 57%

Average amount that is awarded: $8,836

Admission Rate

92%

 

22 Bloomsburg University of Pennsylvania


The Bloomsburg University of Pennsylvania typically offers a variety of course options. This includes nurse anesthesia, NP paths, and public health concentration. Programs may be  available for those who are CRNA, CRNP, and CNM license holders.

Admission Requirements

Students complete an online app to apply. They may need transcripts. They may also need GRE or GMAT scores for some programs.

Accreditation

Middle States Commission on Higher Education

Tuition & Fees

Undergrad: $22,782
Grad: $16,726

Financial Aid

% that get financial aid: 90%

Average amount that is awarded: $5,685

Admission Rate

84%

 

23 Carlow University


Carlow University typically offers a Education and Leadership MSN program. It does not require a GRE or GMAT. Students may complete it in 15 months. This is full time. Coursework covers many topics in community health. Students who wish to be practicing nursing may study part time.

Admission Requirements

An online app is available. Students typically need to verify identity. They may also have to provide transcripts and previous education info.

Accreditation

Middle States Commission on Higher Education

Tuition & Fees

Undergrad: $34,502
Grad: $22,110

Financial Aid

% that get financial aid: 99%

Average amount that is awarded: $26,233

Admission Rate

92%

 

24 Duquesne University


Duquesne University typically has several path options. This includes forensic nursing. Executive nursing leadership may be another. Family NP paths are available.

Admission Requirements

Students do not need a GRE to get in. This program is flexible for previous experience. Students need to provide transcripts and test scores.

Accreditation

Middle States Commission on Higher Education

Tuition & Fees

Undergrad: $47,146
Grad: $26,568

Financial Aid

% that get financial aid: 100%

Average amount that is awarded: $27,980

Admission Rate

74%

 

 

15 COLLEGES THAT DON’T REQUIRE LETTERS OF RECOMMENDATION

Looking for colleges that don’t require letters of recommendation? In fact, they do exist! There are also grad programs that don’t require letters of recommendation.

Find an Online Degree Program

 

WHY DON’T SOME COLLEGES ASK FOR OR REQUIRE LETTERS OF RECOMMENDATION?

Certain universities do not necessitate letters of recommendation, opting for alternative methods to gauge a student’s potential. For adult learners, the significance of life experiences may surpass the need for traditional recommendations. In essence, this implies that you can embark on your journey towards an undergraduate degree without the prerequisite of recommendation letters.

Do all graduate schools require letters of recommendation?

No, not every graduate schools mandates letters of recommendation. In fact, all the institutions listed here provide graduate programs! In a nutshell, the typical prerequisites for grad school frequently encompass:

  • Bachelor’s degree from an accredited school
  • GRE or GMAT (many schools do waive this)
  • Official transcripts
  • Writing samples or personal statement
  • Resume
  • Apply eligible work experience and prior college credits toward up to 75% of your undergraduate degree.
  • Experience a Purdue Global undergraduate program for an introductory 3-week period. There’s no financial obligation beyond the application fee
  • Competency-based ExcelTrack™ programs may allow you to earn your degree faster and for less money

Purdue Global University

HOW TO GET LETTERS OF RECOMMENDATION FOR COLLEGE APPLICATION

Obtaining letters of recommendation for your college application might appear challenging, especially if you’ve been away from the academic setting for some time. However, the good news is that you can still secure outstanding recommendations from a variety of sources. Don’t hesitate to reach out, as most individuals are inclined to offer assistance. Regardless of who you approach, there are several key steps to follow.

First and foremost, be sure to ask politely. Additionally, provide them with ample time to craft a thoughtful recommendation. It’s essential to ensure they are aware of the specific requirements of the institution you’re applying to. Lastly, make sure to communicate your educational objectives to them. This enables them to emphasize your most impressive qualities effectively. Keeping these considerations in mind, consult our list of potential recommenders for your reference letter.

1. YOUR EMPLOYER

When considering adult learners, the manner in which you approach your work carries significant weight. In this regard, your supervisor or team leader holds the potential to elaborate on your work ethic and adeptness at problem-solving. Moreover, they can shed light on your collaborative skills and how effectively you engage with colleagues. Should your current occupation align with the academic path you aspire to pursue, that’s an added advantage.

However, there’s no need for concern if your current job lies in a different field. These attributes reflect your personal character rather than being tied to a specific role. The diligence you exhibit holds considerable importance, as educational institutions assess the performance of adult learners and place less emphasis on standardized tests.

2. YOUR COACH

Why consider involving your coach? While college admissions boards may not be deeply concerned about your championship victories, they do value the qualities that emerge around them. Were you consistently inspiring and motivating your team? Did you invest extra hours analyzing game strategies? These actions underscore your dedication and can be woven into your narrative to showcase your potential in an academic setting.

If your high school grades weren’t the sole focus, engaging in a conversation with a coach about your present college readiness could be beneficial. Their insights could effectively convey this aspect to an admissions counselor. Essentially, a coach can effectively spotlight your work ethic and highlight your ability to function within a team dynamic.

Southern New Hampshire University

  • Multiple term start dates throughout the year. 24/7 online classroom access.
  • Popular Online Programs include Business Administration, Psychology, Information Technology, Human Services…

3. YOUR PROFESSOR

Engaging in a few college courses prior to embarking on a full-time program? If so, channel your efforts into excelling academically and forging connections with your instructors. Undoubtedly, a recommendation letter from a professor within your field of study can wield significant influence. This is particularly impactful when the letter attests to your unwavering commitment within the classroom setting. It’s worth noting that, as an adult, your academic performance carries weight.

In this case, a peer-to-peer dynamic can come into play, provided you’re demonstrating commendable performance. Keeping this in view, directing your attention towards coursework holds paramount importance. Equally crucial is cultivating a rapport with your professor. To sum it up, enrolling in classes ahead of a comprehensive program serves a dual purpose: showcasing your work approach and securing a commendable recommendation from an esteemed educator.

DOES COMMON APP ASK FOR LETTERS OF RECOMMENDATION?

Applying to college is stressful enough without managing all the different forms and deadlines. The Common App by all means makes this easier. And more than 800 schools accept it.

In short, the Common App itself does not require letters of recommendation. But, their Requirements Grid will let you know if any individual schools do. In that case, you can pick and choose where to apply.

15 COLLEGES THAT DON’T REQUIRE LETTERS OF RECOMMENDATION

Colleges wanting a letter of recommendation from former teachers is quite common. But they’re not universal. Especially at schools that cater to non traditional students. In summary, life and work experience can matter more. So check out our list of colleges that don’t require letters of recommendation.

1

Adams State University

ADMISSIONS REQUIREMENTS: HIGH SCHOOL GPA, CLASS RANK, TRANSCRIPTS, ADMISSION TEST SCORES (SAT/ACT)

School Features:

  • Online programs
  • HLC accredited
  • Majors include business, liberal arts and education

ABOUT ADAMS:

Adams State is a 4 year public university with both on campus and online programs. Located in Alamosa, Colorado it serves over 3,000 students with programs at all levels. Associate’s through doctorate.

2

Arizona State University

ADMISSIONS REQUIREMENTS: HIGH SCHOOL TRANSCRIPTS, ADMISSION TEST SCORES (SAT/ACT) TOEFL

School Features:

  • Online programs
  • HLC accredited
  • Majors include international business, nutrition, journalism, registered nursing

ABOUT ASU:

ASU is a 4 year public university with campuses throughout the state and online programs as well. The school serves over 11,000 students and offers bachelor’s degree programs through to doctorate.

3

Colorado State University Global Campus

ADMISSIONS REQUIREMENTS: High school GPA, transcripts, TOEFL

School Features:

  • Online learning only
  • HLC accredited
  • Majors include business, human resources, marketing, IT, health care administration

ABOUT CSU GLOBAL:

CSU Global is a 4 year public university. The school now serves over 12,000 students. They offer bachelor’s and master’s degree programs and certificates. All in a fully online format. 

4

CUNY New York City College of Technology

ADMISSIONS REQUIREMENTS: High school GPA, transcripts, TOEFL

School Features:

  • Accredited nursing / dental hygiene programs
  • MSCHE accredited
  • Majors include architectural tech, hospitality, information science, engineering 

ABOUT CITY TECH:

City Tech is a 4 year public university. It serves over 17,000 students, all at the undergrad levels. They have over 30 majors to choose from and an Honors Scholars Program.

6

Delaware State University

ADMISSIONS REQUIREMENTS: HIGH SCHOOL GPA, TRANSCRIPTS, OTHER TESTS (E.G. WONDERLIC)

School Features:

  • Online programs
  • SACSCOC accredited
  • Majors include biology, business, mass communication, education, public health

ABOUT DSU:

Located in Dover, DSU is a 4 year public university that serves over 4,700 students. They offer degrees at all levels. From bachelor’s through doctorate. 

7

ECPI University

ADMISSIONS REQUIREMENTS: HIGH SCHOOL TRANSCRIPTS SUGGESTED, ADMISSION TEST SCORES (SAT/ACT)

School Features:

  • Online programs
  • MSCHE accredited
  • Majors include accounting, business, information assurance, computer systems

ABOUT ECPI UNIVERSITY:

ECPI is a 4 year private for profit university with an HQ in Virginia. Apart from other campuses, they offer online programs through master’s level and serve over 13,000 students.

8

Florida State University

ADMISSIONS REQUIREMENTS: HIGH SCHOOL TRANSCRIPTS, GPA, COMPLETION OF COLLEGE PREPARATORY PROGRAM, ADMISSION TEST SCORES (SAT/ACT) TOEFL

School Features:

  • Online programs
  • SACSCOC accredited
  • Majors include regional planning, business management, biology, finance, IT

ABOUT FLORIDA STATE:

FSU is a 4 year public university located in Tallahassee that serves over 42,000 students. They offer a range of degrees from associate through doctorate.

9

Grand Canyon University

ADMISSIONS REQUIREMENTS: HIGH SCHOOL TRANSCRIPTS, GPA, TOEFL

School Features:

  • Online programs
  • HLC accredited
  • Majors include biology, business administration, finance, education, registered nursing

ABOUT GCU:

GCU is a 4 year private for profit university in Arizona. The school also offers evening, hybrid and online learning. And, degree programs from bachelor’s to doctorate taught through a Christian lens.

10

Indiana University

ADMISSIONS REQUIREMENTS: HIGH SCHOOL TRANSCRIPTS, COMPLETION OF COLLEGE PREPARATORY PROGRAM, ADMISSION TEST SCORES (SAT/ACT) TOEFL

School Features:

  • Online programs
  • HLC accredited
  • Majors include biology, business administration, finance, education, registered nursing

ABOUT INDIANA U:

Indiana U is a 4 year public university. The school serves over 43,000 students with both on campus and online programs. These are available from the associate level to doctorate.

11

Our Lady of the Lake University

ADMISSIONS REQUIREMENTS: HIGH SCHOOL TRANSCRIPTS, GPA, ADMISSION TEST SCORES (SAT/ACT), TOEFL

School Features:

  • Online programs
  • SACSCOC accredited
  • Majors include business, PR, IT, counselor education, health care administration

ABOUT OLLU:

OLLU is one of Texas’ 4 year private not for profit universities. The school offers bachelor’s, master’s and doctorate programs and has a student body of almost 3,000. Some of their offerings are available in the evenings and online. 

12

Pennsylvania State University

ADMISSIONS REQUIREMENTS: HIGH SCHOOL TRANSCRIPTS, GPA, ADMISSION TEST SCORES (SAT/ACT), TOEFL

School Features:

  • Online programs
  • MSCHE accredited
  • Majors include agricultural, business, biology, communication, computer sciences

ABOUT PSU:

PSU is a 4 year public university. The school has several campuses including its online wing, Penn State Global. Serving over 90,000 students, there are programs from associate to doctorate. 

13

Purdue University Global

ADMISSIONS REQUIREMENTS: OPEN ADMISSIONS POLICY

School Features:

  • Online programs
  • HLC accredited
  • Majors include accounting, business, IT, health professions, criminal justice 

ABOUT PURDUE:

Purdue is a 4 year public university located in Indiana. They serve over 38,000 students with programs from associate through doctorate. Many of these are fully online.

14

Rutgers University

ADMISSIONS REQUIREMENTS: HIGH SCHOOL TRANSCRIPTS, GPA, COMPLETION OF COLLEGE PREPARATORY PROGRAM, ADMISSION TEST SCORES (SAT/ACT)

School Features:

  • Online programs
  • MSCHE accredited
  • Majors include accounting, biology, business administration, IT, criminal justice  

ABOUT RUTGERS:

Rutgers is a 4 year public university with several campuses in New Jersey. They serve close to 14,000 students with programs from bachelor’s to doctorate.

15

San Francisco State University

ADMISSIONS REQUIREMENTS: HIGH SCHOOL TRANSCRIPTS, GPA, COMPLETION OF COLLEGE PREPARATORY PROGRAM, ADMISSION TEST SCORES (SAT/ACT)

School Features:

  • Online courses / certificates
  • WAC accredited
  • Majors include biology, communication, education, computer science, engineering, allied heath 

ABOUT SF STATE:

SF State is a 4 year public university that serves close to 30,000. The school offers programs from bachelor’s to doctorate. The College of Extended Learning at SFSU also offers online courses and certificate programs.

 

Looking for other options? Discover colleges with high acceptance rates and colleges with rolling admissions.

Vet Techs vs Vet Assistants

What Is the Difference Between a Vet Tech vs a Vet Assistant?

Vet techs and vet assistants may share some responsibilities and work closely with animals and veterinarians, their roles and earning potential differ. It is common for outsiders to assume these positions are similar, but in reality, they entail distinct responsibilities.  

Vet techs typically possess more extensive education and enjoy a wider range of professional opportunities. They may work alongside doctors in various settings such as research institutions, clinics, kennels, animal hospitals, and even with pets, livestock, zoo animals, lab animals, and military animals. On the other hand, vet assistants are often primarily engaged in administrative tasks within local clinics. However, as they accumulate professional experience, assistants may gradually assume additional responsibilities

Vet Techs vs Vet Assistants

Comparing Vet Techs vs Vet Assistants

Here’s a quick breakdown of the two positions in the fields below. Please note that the median pay is based on the national average.

Job TitleJob DescriptionEducation Requirements2023 Median Annual Pay Number  of Jobs in 2023
Vet Techvet tech may perform a variety of medical tests to diagnose and treat animals. They may also provide general animal care.Associate’s degree$43,740 /year125,700
Vet Assistantvet assistant may help vets, scientists, and other veterinary medicine professionals complete a variety of tasks related to the care of animals.High school degree (or equivalent)$36,440 /year118,200

Role of Vet Techs vs Vet Assistants

Knowing the roles of vet techs vs. vet assistants may make it easier to decide which one is the perfect path for you. As you read through the expectations, keep in mind how you would respond to each task.

https://www.youtube.com/watch?v=UaDbCOfvgOM

Vet Assistant Duties

A vet assistant may pursue work directly out of high school. Families with cats, farmers with goats, and lab workers with rats will fuel the profession for years to come. Those who attended a program may have a head start, but much of what is learned is often through hands on experience. This is why it’s so important for assistants to dive into a new position.

Each veterinarian may have their own comfort level when it comes to how much they need their assistant to do.

But for the most part, assistants may be asked to perform the following tasks:

  • Provide basic care: This may mean feeding, grooming, bathing, or exercising the animals.
  • Safety checks: A vet assistant may need to keep things safe and clean for the animals, clients, and staff. This may include disinfecting the waiting room or washing surgical instruments.
  • Prep work: The assistant may prepare the room for a variety of medical procedures. They’re also expected to properly store everything away after the vet has finished.
  • Restraint: Assistants may have to restrain difficult or unruly animals. They may need to remain calm and professional under these stressful situations.
  • Admin work: Vet assistants may fill out intake paperwork and file document. They also may set appointments for clients.

Every clinic or hospital may have its own strengths and limitations. They may have to feel comfortable with the physical and emotional demands of a job. Working with unpredictable pets and animals involves plenty of pressure.

In short, this amounts to vet assistants being willing to fill in wherever they may be needed. On one day, they may be  asked to assist a vet when taking blood samples. On the next, they may spend the majority of their time setting up and dismantling surgical rooms. As a vet witnesses an assistant’s commitment to the job, the assistant stands a better chance of moving up.

Vet Tech Duties

Many of the vet tech duties may mirror those of the vet assistant. The duties of each vet tech may vary from one practice to the next.

It may be some combination of the following:

  • Restraint: Vet techs may need to prevent animals from hurting themselves. They may also need to look out for the safety of other people during exams and procedures.
  • Take X-rays: The technician may operate standard X-ray equipment. They may produce clear and readable images for the veterinarian to diagnose their patients.
  • Perform lab tests: Vet techs may run analyses in the lab. They should feel comfortable working with bodily samples taken for testing (e.g., blood, stool, etc.).
  • Monitoring: Hospitalized animals may need consistent monitoring. This way, vets understand how they’re responding to treatment. This means checking vitals, changing bandages, and alerting staff to major changes.
  • Prep work: Vet tech may need to get animals ready for procedures and set up surgical and exam rooms. They should anticipate common problems and work to prevent them whenever possible.
  • Anesthesia: The vet tech may administer anesthesia to animals during surgery. They may also need to track the animal’s response to the drugs.
  • Emergency aid: Technicians may perform emergency first aid to animals. This usually occurs when the veterinarian is unavailable. They may also be asked to come to the vet’s aid when needed.

Vet techs are generally given more job responsibilities. They may need to know how tests are performed and what equipment is needed for each procedure. They should be comfortable working in a lab setting and be able to run tests and analyze results. Also, they may supervise vet assistants and assign tasks. Time management skills may be important for vet techs.

Educational Requirements of Vet Techs vs Vet Assistants

This is by far the most important distinction between the two. A vet assistant may perform some of the same tasks as a vet tech. But the vet tech may have received higher education. A vet assistant might be hired without any kind of formal degree or accreditation. You should know that there are programs for vet assistants though. This may help an assistant become more qualified for a position.

Vet Assistant Education Requirements

Becoming a vet assistant may only require a GED or high school diploma, although enrolling in an Approved Veterinary Assistant Program can offer a competitive advantage. This program provides instruction on specialized tasks expected of vet assistants and often includes a requirement to pass an approved credentialing exam. The exam serves not only as an assessment of acquired knowledge but also as evidence of dedication and willingness to go the extra mile in pursuing a career in the field. 

The National Association of Veterinary Technicians in America (NAVTA) established the Approved Veterinary Assistant designation as a means of recognizing the valuable contributions of assistants to animal health in their communities. This esteemed training program by NAVTA is widely recognized and respected throughout the United States. 

Vet Technician Education Requirements

While veterinary technologists may require a bachelor’s degree, becoming a vet technician may not necessitate the same level of education. However, completion of an accredited program is typically mandatory. The coursework must receive approval from the American Veterinary Medical Association (AVMA). Vet techs usually pursue an associate’s degree, which can be obtained through a community college and typically takes between two to four years. In contrast, vet assistants typically aim for a certificate or program diploma. 

The specific registration requirements may vary depending on the state. Some vet techs may be required to attend school, while not all may need to take and pass the Veterinary Technician National Exam (VTNE). It is crucial to verify the requirements set by your state when seeking certification. Adhering to the guidelines established by the appropriate board or agency will ensure that you possess all the necessary qualifications for application. Licensing or certification may be necessary in some cases, while registration may suffice in others. 

Costs of a Vet Assistant Program

As mentioned, a vet assistant may be hired with nothing more than a high school diploma. For this reason, the cost of a vet assistant program is relatively reasonable. This is especially true if you may be getting through an online platform. The number of hours you may need to complete the course may be as low as 100 and as high as 240. Working online may give you the chance to make your own schedule too. This perk may come in handy for those with demanding responsibilities.

Costs of a Vet Technician Degree Program

A vet technician may need the proper education to earn their degree in the field. But the actual costs may vary widely, depending on the program a person selects. Shopping around and checking the reputation of each curriculum may go a long way. Check with different veterinarians in the area about which schools may get preferential treatment. This may help you decide if the costs of the degree are worth the rewards.

Is There an Alternative Route I Could Take to Become a Vet Tech?

It depends on the state that you’re hoping to work in. Alaska, California, and Wisconsin may allow you to sit for the Veterinary Technician National Examination. This may be without having completed the designated coursework required in 47 other states. The vet tech must may need to meet a number of requirements to qualify though. You must provide proof by way of documentation of the veterinarians that you’ve worked with. You’ll also need to show that you have 20 hours worth of class work. This may be obtained through a state approved program.

Salary

The Bureau of Labor Statistics (BLS) conducts a comparative analysis of the job outlook for vet techs and vet assistants, juxtaposing them with various other career paths. This assessment aims to provide insights into the post-graduation prospects and career prospects awaiting individuals. 

The positive news is that both fields are projected to experience nearly identical growth rates until 2032. With a 19%-21% increase, the demand for these roles is rising at a significantly faster pace than many other career options. Job stability holds great importance for prospective applicants, and investing in either position can instill confidence in individuals. 

This upward trend in demand is often reflected in the higher earning potential of vet techs. In 2023, their median annual salary was approximately $4,000 higher than that of vet assistants. With a median annual salary of $43,740 compared to $36,440 , the value of pursuing further education becomes evident. The increased salary can make it more manageable to repay educational expenses. 

Job Outlook

Regardless of the path chosen though, both professions may have opportunities. Assistants might become certified in operating equipment and veterinary technology. Vet techs may take more classes in any given specialty (e.g., surgical procedures, nutrition, etc). Vet assistants may begin right out of high school before deciding that they want to advance to a vet tech. A vet techs might choose to go onto to be a vet.

As you can see the vet assistant and vet tech may share duties. But the veterinary career positions are different. You should choose between the two based on how much you want to make and how much you’re willing to invest in a vet tech program or the veterinary field. While a vet tech may spend more, they’ll also make more. Or you may choose to start as a part-time assistant at a veterinary hospital or veterinary practice and receive as much on-the-job training as possible. Check your state’s requirements to find out more about what you may expect.

Colleges with Rolling Admissions

The application process for students has typically been a long source of dread for many. Most of the time, it’s not one college that you’re applying to. Many students  typically apply to several schools. This is true whether you’re trying for the Ivy League, national universities, or state universities. This is why colleges with rolling admissions could be a lifesaver. Applying to colleges with rolling admissions may make your life a little more streamlined. It may reduce the stress of making specific deadlines. See how college admissions work in the United States. We could also tell you more about how to use the policies to your advantage. 

What Are Rolling Admissions?

The term rolling admissions refers to colleges that process applications as they arrive until slots are filled. Colleges with non rolling admissions wait until an application deadline before processing. Many schools have adopted this policy.

What is the Best Time to Apply in Rolling Admissions?

The best time to apply to colleges with rolling admissions may be as soon as you can. If you’re planning on early action, you may  want to get your application in as soon as the school may take it. Each school may have its own college application process. Some may begin accepting as early as mid summer. Check the acceptance rate of your  choices and make sure you have a safety school in mind (or two).

Advantages and Disadvantages of Rolling Admissions

There are typically pros and cons to colleges with rolling admissions. We’ll look at how the process works before you make your decision.

Pros

More Control

One advantage of colleges with rolling admissions may be that it puts you in the driver seat. Some people may hear back from a college within four weeks of applying. In other words, they may not have to wait until after the application deadline has passed.

Competition

There are two sides of the coin with competition. Let’s say you apply to Creighton University or Iowa State University. You may get the benefit of fresh eyes on your stats. It could give you the edge here if you apply on the early side. An admission official may be comparing your application to just a few other students. Without rolling admissions, they might be comparing you to thousands.

Competition advantage could also come late in the game though. Let’s say a school like Clemson University has an unexpected opening. You may still apply long after every other school’s deadline has passed.

Less Stress

Applying for colleges could be s a stressful time, one that isn’t made easier by looming deadlines. If your  perfect pick accepts you immediately, you  may relax and focus on making your senior year the best one ever.

DID YOU KNOW?
May 1 is sometimes referred to as National College Decision Day, because it’s the traditional deadline for deciding which school to enroll in.

Cons

Locks You In

Some students may end up making a decision too quickly with rolling admissions. They may end up jumping on the first opportunity without considering other options.

Changing Benchmarks

The more time goes by, the more students may apply. With rolling admissions, getting your application in at the peak isn’t typically recommended. Officials may be more overwhelmed and less likely to consider outside factors.

Applications Cutoffs

It’s easy to think you have all the time in the world with rolling admissions. But each school may have its own policy, and the terms may also include deadlines. As a student, you may have to do your research. Otherwise, you could end up applying to a school too late in the game.

You should also consider changing policy. The University of Illinois used to have rolling admissions. But they changed this when too many students deferred.

Rolling Deadline vs Rolling Notification

Rolling deadlines typically refers to school without a hard cutoff date. But, rolling notification refers to how the school may inform students of their acceptance. This does not mean that there are no official timelines though. For example, if you apply early action at Pacific University, you typically have up to January 15 to submit. Rolling admissions usually begin after that date.

Early Access vs Rolling Admission

Early access is typically considered a commitment to the school. Rolling admissions is not. It’s a way to respond to students faster. Let’s say you apply early access to Indiana University and get in. You’ve essentially told the school that you could  be there in the fall. If you apply rolling admission to Michigan State University, you may or may not attend.

25 COLLEGES WITH ROLLING ADMISSIONS 2025

1 Ashford University


Ashford is an accredited, online university. It focuses on bringing technology to higher education. Access course material from your smartphone, tablet, or laptop and earn a degree while balancing other commitments.

Admission Requirements

  • Interview with an Enrollment Services Advisor
  • Transcripts
  • School and work history

Application Deadline

Accepts applications year-round

Tuition & Fees

Undergrad: $13,160
Grad: $13,515

Financial Aid

% that get financial aid: 100%

Average amount that is awarded: $5,234

Acceptance Rate

21%

Accreditation

WASC Senior College and University Commission

 

2 Colorado Christian University


Founded in 1914, Colorado Christian University offers more than 100 degree programs. The staff caters to traditional and adult students. Its curriculum and courses focus on scientific research, technology, and innovation.

Admission Requirements

  • 2.8 high school GPA
  • 1060 SAT score (or 21 ACT score)
  • Strong spiritual recommendation
  • Admissions essay

Application Deadline

Priority deadline is April 1. Rolling admission accepted until all slots are filled.

Tuition & Fees

Undergrad: $39,266
Grad: $16,733

Financial Aid

% that get financial aid: 100%

Average amount that is awarded: $23,436

Acceptance Rate

31%

Accreditation

The Higher Learning Commission

 

3 Purdue University Global


Purdue University Global is designed for adult students who need flexibility. Their innovative approach to teaching is based on personalization. Educators have developed a modern curriculum to teach the most important skills in a modern world.

Admission Requirements

  • High school diploma (or equivalent)
  • Official transcripts
  • May require an interview

Application Deadline

Applications accepted year round

Tuition & Fees

Undergrad: 14,421
Grad: 11,582

Financial Aid

% that get financial aid: 80%

Average amount that is awarded: $9,818

Acceptance Rate

100%

Accreditation

The Higher Learning Commission

 

4 Grand Canyon University


For more than 65 years Grand Canyon University has been committed to a Christian worldview. The goal is to inspire unity across the university. But the school also accepts students with diverse interests, experiences, and perspectives. (This is true regardless of religious background.

Admission Requirements

  • Official transcripts
  • Complete all forms (including FAFSA)
  • Work with Admissions Counselor

Application Deadline

Applications accepted year round

Tuition & Fees

Undergrad: $17,450
Grad: $11,124

Financial Aid

% that get financial aid: 98%

Average amount that is awarded: $9,308

Acceptance Rate

73%

Accreditation

The Higher Learning Commission

 

5 Grantham University


Grantham University serves the non-traditional student with a philosophy centered on quality distance learning. This online university works with a highly diverse student population. The university values how education may enhance one’s life. It may be a particularly smart choice during COVID.

Admission Requirements

  • Proof of high school graduation
  • SAT score of 880 (or ACT score of 18)
  • Recommendation from high school guidance counselor
  • Funding in place within a week of start date

Application Deadline

Applications accepted year-round

Tuition & Fees

Undergrad: $8,280
Grad: $4,800

Financial Aid

% that get financial aid: 96%

Average amount that is awarded: $5,563

Acceptance Rate

20%

Accreditation

The Distance Education Accrediting Commission (DEAC)

 

6 Full Sail University


Full Sail University offers more than 90 programs. It typically serves more than 15,000 students. The university provides students with a creative approach to education. Classes are immersive, fast-paced, and relevant. Education mirrors the workflow and collaboration found in today’s business environment.

Admission Requirements

  • Completed application
  • High school diploma or equivalent
  • Government-issued photo identification
  • Verification of English proficiency (if primary language)
  • Interview with Admissions Representative

Application Deadline

Applications accepted year-round. Full Sail University recommends applying at least 3 months before start date.

Tuition & Fees

Undergrad: $26,417
Grad: $19,401

Financial Aid

% that get financial aid: 86%

Average amount that is awarded: $8,478

Acceptance Rate

39%

Accreditation

Accrediting Commission of Career Schools and Colleges (ACCSC)

 

7 Creighton University


Creighton University is a Jesuit school where students typically grow as a family. It’s a supportive community that encourages everyone to be of service. The school emphasizes learning by doing. From internships to personal projects, leaders believe practice makes perfect.

Admission Requirements

  • At least 16 units of required high school courses

Application Deadline

Early decision applications are due by Nov 1. Applications are processed on an ongoing basis after this date

Tuition & Fees

Undergrad: $47,000
Grad: $19,676

Financial Aid

% that get financial aid: 100%

Average amount that is awarded: $27,809

Acceptance Rate

72%

Accreditation

The Higher Learning Commission

 

8 Penn State


Penn State was originally founded in 1855. Sometimes called a public Ivy League school, it has a solid reputation for educating its students. Pennsylvania State University college is all about broadening its students horizons. It’s also a good place to make lifelong connections and begin your true career path.

Admission Requirements

  • Depends on program
  • No minimum SAT score required

Application Deadline

Modified rolling admission. Early action applications due Nov 15, recommended for all students to have applications in by Dec 1

Tuition & Fees

Undergrad: $40,188
Grad: $43,828

Financial Aid

% that get financial aid: 44%

Average amount that is awarded: $10,066

Acceptance Rate

70%

Accreditation

Middle States Commission on Higher Education

 

 

9 New Jersey Institute of Technology


The New Jersey Institute of Technology (NJIT) is a lead polytechnic university. The staff’s mission is to prepare students to succeed in a tech-driven economy. This school emphasizes the value of leadership.

Admission Requirements

  • Personal essay
  • Letters of recommendation
  • SAT/ACT scores
  • Top 25% of class

Application Deadline

Early Action I by Nov 15. Early Action II by Dec 15. Rolling admissions until Mar 1.

Tuition & Fees

Undergrad: $35,934
Grad: $36,702

Financial Aid

% that get financial aid: 90%

Average amount that is awarded: $17,447

Acceptance Rate

81%

Accreditation

Middle States Commission on Higher Education

 

10 Arizona State University


Arizona State University is a well-funded institution with dozens of elite programs and a highly respected faculty. The school values innovation above all else.

Admission Requirements

  • Personal essay
  • Letters of recommendation
  • SAT/ACT scores submissions
  • Top 25% of class

Application Deadline

Fall admission opens on July 1. Early Action I by Nov 1. Rolling admissions after Nov 1

Tuition & Fees

Undergrad: In-state $11,618;Out-of-state $30,592
Grad: In-state $12,914;Out-of-state $25,398

Financial Aid

% that get financial aid: 89%

Average amount that is awarded: $12,381

Acceptance Rate

68%

Accreditation

The Higher Learning Commission

 

11 Michigan State University


Michigan State University was founded more than 150 years ago. Its goal has always been to push its students to do more in the world. The school has broken boundaries with its research across several industries.

Admission Requirements

  • Class rank
  • Quality of academic curriculum
  • Standardized test scores
  • Leadership experience

(There are no minimum requirements.)

Application Deadline

Early decision Nov 1. Regular decision Feb 1. Rolling admissions after Feb 1.

Tuition & Fees

Undergrad: $43,372
Grad: $41,224

Financial Aid

% that get financial aid: 92%

Average amount that is awarded: $8,684

Acceptance Rate

82%

Accreditation

The Higher Learning Commission

 

12 Indiana University


Indiana University was built as a tribute to the great minds of the past. The school is typically known for providing students with a number of extra-curricular opportunities.

Admission Requirements

  • High school graduated
  • At least 34 credits of college prep courses

Application Deadline

Early decision Nov 1. Rolling admissions after Nov 1

Tuition & Fees

Undergrad: $21,734
Grad: $16,210

Financial Aid

% that get financial aid: 74%

Average amount that is awarded: $10,336

Acceptance Rate

45%

Accreditation

The Higher Learning Commission

 

13 University of Pittsburgh


Founded in 1787, the University of Pittsburgh is a distinguished institution. It features a 132-acre campus in the Oakland neighborhood. Its research has contributed to numerous advancements in America.

Admission Requirements

  • 3.5 minimum cumulative GPA
  • Minimum SAT Score: 1130 or Minimum ACT Score: 23

Application Deadline

Rolling admissions all-year round

Tuition & Fees

Undergrad: $37,320
Grad: $42,324

Financial Aid

% that get financial aid: 85%

Average amount that is awarded: $10,919

Acceptance Rate

81%

Accreditation

Middle States Commission on Higher Education

 

14 Loyola University of Chicago


Loyola University Chicago has an excellent reputation for online programs. This Jesuit school has 80 undergraduate programs, 140 graduate programs, and six campuses across the city.

Admission Requirements

  • Free online application
  • Official high school transcript
  • Letter of recommendation from a counselor or teacher
  • Standardized test option starting 2021

Application Deadline

Rolling admissions until space is filled

Tuition & Fees

Undergrad: $49,498
Grad: $20,344

Financial Aid

% that get financial aid: 99%

Average amount that is awarded: $26,796

Acceptance Rate

73%

Accreditation

The Higher Learning Commission

 

15 University at Buffalo


The University at Buffalo ranks first for public universities in New York. Along with excellent academic standards, there are more than 600 organizations and clubs to join.

Admission Requirements

  • Class rank
  • Quality of academic curriculum
  • Extra-curriculum activities

Application Deadline

Early decision by Nov 1. Regular decision by Feb 1. Rolling admissions until capacity is reached

Tuition & Fees

Undergrad: $30,572
Grad: $27,338

Financial Aid

% that get financial aid: 84%

Average amount that is awarded: $8,859

Acceptance Rate

72%

Accreditation

Middle States Commission on Higher Education

 

16 University of Minnesota – Twin Cities


University of Minnesota—Twin Cities boasts more than 4,000 faculty members. The award-winning professors are constantly challenging students. The goal is to teach life skills that may serve students their whole lives.

Admission Requirements

  • Academic record

Application Deadline

Accepts applications on a rolling basis until Aug 1

Tuition & Fees

Undergrad: $36,402
Grad: $31,555

Financial Aid

% that get financial aid: 63%

Average amount that is awarded: $11,388

Acceptance Rate

81%

Accreditation

The Higher Learning Commission

 

17 Clemson University


Clemson University got its start in 1889. It is a land-grant school with a good balance between students and faculty. Located near the Blue Ridge Mountains and Lake Hartwell. There are seven colleges at the university.

Admission Requirements

  • College prep course work
  • Strong extra-curriculars

Application Deadline

Priority deadline by Dec 1. Rolling applications until May 1

Tuition & Fees

Undergrad: $39,498
Grad: $24,798

Financial Aid

% that get financial aid: 79%

Average amount that is awarded: $10,430

Acceptance Rate

83%

Accreditation

Southern Association of Colleges and Schools Commission on Colleges (SACSCOC)

 

18 City University of New York


The City University of New York (CUNY) is known for balancing cost with quality. There are numerous programs to join here. The college dates back to 1847. It’s the largest city educational system in the country.

Admission Requirements

  • Depends on college attended

Application Deadline

Priority deadline by Feb 1. Rolling applications from mid-Feb to Jul 1

Tuition & Fees

Undergrad: $69,045
Grad: $23,160

Financial Aid

% that get financial aid: 77%

Average amount that is awarded: $9,657

Acceptance Rate

38%

Accreditation

Middle States Commission on Higher Education (MSCHE or Middle States)

 

19 Arkansas State University


Arkansas State University (ASU) was founded in 1909. It is the second largest university in the state. There are more than 150 study programs for students to choose. ASU is also an economic and cultural institution in the South.

Admission Requirements

  • High school transcripts
  • English proficiency
  • 2.75 minimum GPA

Application Deadline

Applications accepted until capacity is reached

Tuition & Fees

Undergrad: $13,826
Grad: $12,416

Financial Aid

% that get financial aid: 100%

Average amount that is awarded: $11,225

Acceptance Rate

53%

Accreditation

The Higher Learning Commission

 

20 University of New Hampshire


The University of New Hampshire boasts an award-winning staff and excellent facilities. With Boston nearby, the school has plenty of resources for students.

Admission Requirements

  • Letters of recommendation
  • High school transcripts
  • ACT/SAT scores (optional)

Application Deadline

Early decision by Nov 15. Regular decision by Feb 1. Honors program is rolling admissions until capacity is reached

Tuition & Fees

Undergrad: $38,882
Grad: $30,138

Financial Aid

% that get financial aid: 96%

Average amount that is awarded: $13,573

Acceptance Rate

77%

Accreditation

The Commission of Higher Education

 

21 Saint Louis University


Established in 1818, Saint Louis University is a Catholic school with excellent academics. With a Jesuit mission at its core, the university is one of the top-rated research institutions (according to U.S. News and World Report).

Admission Requirements

There are no set minimums. ACT/SAT scores are optional. Students must submit transcripts.

Application Deadline

Accepts applications year-round for  many programs

Tuition & Fees

Undergrad: $53,244
Grad: $24,494

Financial Aid

% that get financial aid: 99%

Average amount that is awarded: $37,006

Acceptance Rate

70%

Accreditation

The Higher Learning Commission

 

22 Mississippi State University


Mississippi State University takes a personal approach. The university helps the individual understand their long-term goals. Only then may students set out on the right path.

Admission Requirements

  • Minimum GPA depends on composite ACT score.
  • High school transcripts

Application Deadline

Accepts applications year-round for many programs

Tuition & Fees

Undergrad: $26,580
Grad: $26,580

Financial Aid

% that get financial aid: 98%

Average amount that is awarded: $14,252

Acceptance Rate

62%

Accreditation

Southern Association of Colleges and Schools Commission on Colleges

 

23Augustana University


Augustana University is affiliated with the Lutheran church. Founded in 1860, it offers a number of programs to take advantage of. This school enrolls students from al over the world. It also offers students online classes to fit your schedule.

Admission Requirements

  • 2.7 GPA
  • ACT: 20
  • SAT: 1030

Application Deadline

Accepts applications starting after Oct 1 until capacity is reached

Tuition & Fees

Undergrad: $39,190
Grad: $39,840

Financial Aid

% that get financial aid:100%

Average amount that is awarded: $27,920

Acceptance Rate

70%

Accreditation

The Higher Learning Commission

24 Binghamton University


This institution encourages its students to understand the world at large. The cultural exchange helps people understand the context behind society. You’ll find international viewpoints woven into every part of the campus.

Admission Based On

  • High school GPA
  • SAT/ACT score

Application Deadline

Applications opened July 18, closed June 1. Rolling admissions until capacity is reached.

Tuition & Fees

Undergrad: $29,453
Grad: $26,260

Financial Aid

% that get financial aid: 62%

Average amount that is awarded: $11,305

Acceptance Rate

82%

Accreditation

Middle States Commission on Higher Education

 

25 Michigan Technological University


Seeing into the future is what Michigan Technological University is all about. The school stresses the importance of work and play. Their curriculum is imaginative and based on solving real-world problems.

Admission Based On

  • High school GPA
  • SAT/ACT score

Application Deadline

Rolling admissions all-year round. Students are encouraged to apply by Apr 1 for fall semester

Tuition & Fees

Undergrad: $41,340
Grad: $24,929

Financial Aid

% that get financial aid: 100%

Average amount that is awarded: $16,114

Acceptance Rate

72%

Accreditation

The Higher Learning Commission

 

COLLEGES WITH ROLLING TRANSFER ADMISSIONS

Transferring is typically common for college students. You might start in  Houston and need to move home. Or you might decide a state college isn’t for you. This is true whether you’re coming from California State University, University Park, or the University of Tennessee. The good news is that some schools may accept transfer applications year-round. As with regular admissions, it means you likely don’t have to stress about meeting certain deadlines.

Check with the college to see if they have a rolling transfer admissions process. SUNY might have different standards than the University of North Carolina.

3 Tips When Applying to Schools with Rolling Admissions

There’s no such thing as perfection when getting ready for college. You may struggle with decision deadlines or which liberal arts program to pick. Students may miss application requirements. They may decide to change paths at the last minute. This is why rolling admissions may be so helpful!

Here are a few tips to get everything together

1. Pay Attention to Priority Deadlines

As you’ve seen, schools across the country have different deadlines. They may also change every year. The University of Alabama has a different schedule than the University of Tennessee.

Try to get your application in before the priority deadline. Capacity may be reached sooner than you think.

2. Watch for Other Deadlines

Colleges like the University of California or Rutgers University may not just have admissions deadlines. Schools also have deadlines to apply for other considerations. This may mean housing, financial aid, potential merit scholarships, etc.

Some academic programs may also have their own deadlines for admissions decisions. These are separate from the school’s general admissions policy.

3. Look Past the Rolling Admissions Deadline

Look for the school that feels like a perfect fit for you. Just because Wesleyan University doesn’t have rolling notifications, doesn’t mean you should apply. Consider your prospective major. Whether you want to study online or on campus. What potential student clubs and activities you may want to be involved in.

Hopefully, you may  find a school that suits your admissions timeline. But that also offers what you’re looking for in terms of a higher education partner.

Nursing Degree Levels

Nurses play a crucial role in helping patients feel well and provide clear communication during medical procedures. Skilled nurses also excel at comforting nervous patients and their families. However, the term “nurse” encompasses various roles, with nursing professionals having different degree levels and career paths to explore. Here are some certificates, diplomas, and nursing degree levels that can lead to a rewarding nursing career. 

Nursing Degree Levels

Certificate or Diploma

A Certified Nursing Assistant (CNA) represents one nursing degree level and serves as an initial step in a nursing career path. CNAs possess essential patient care skills, obtained through a certificate or diploma program that trains them in providing basic care for patients. They often assist with daily living activities, transport patients, and maintain cleanliness in medical care areas. 

Who is it for?

CNA diplomas and certificates are suitable options for individuals looking to kickstart a career in nursing care, as they generally do not require a degree. Nursing assistants can begin with a high school diploma and completion of a certification program. 

Length of Time

CNA programs are commonly offered in community colleges, technical schools, and occasionally in high schools. The duration to complete these programs usually ranges from four to 12 weeks. Most programs mandate a minimum of 75 hours of combined classroom instruction and clinical education. 

What could you pursue with this certificate?

CNAs may work in a number of fields. Some typical roles and responsibilities include:

  • Working in senior care centers
  • Cleaning and bathing patients
  • Helping with toileting, dressing, and other activities of daily living
  • Positioning and transferring patients who are confined to wheelchairs or beds
  • Measuring vitals
  • Helping with feeding and meals for patients
  • Recording health concerns
  • Reporting health needs to nurses or doctors
  • Dispensing medication

What could you earn?

According to the US Bureau of Labor Statistics, the median annual salary for nursing assistants in 2023 was $38,130. For orderlies, it was slightly lower at $30,020. The field of nursing assistants and orderlies is expected to see a 4 percent growth from 2023 to 2033, which is about the average rate for all occupations. 

LPN/LVN Certificate or Diploma

LPN, or Licensed Practical Nurse, is another level of nursing degree available to nursing professionals. It is a certificate-level program that may also be referred to as a Licensed Vocational Nurse (LVN). LPNs and LVNs often work in various healthcare settings, such as residential care facilities, hospitals, and doctor’s offices. 

Who is it for?

LPN/LVN programs are ideal for individuals who aspire to start a nursing career and progress beyond the nursing assistant role. Obtaining a practical nursing certificate can open doors to more advanced patient care roles. 

Length of Time

To become an LPN or LVN, you must complete a state approved nursing program. While each state varies, many of these programs require one year to complete.

What could you do with this certificate?

LPNs and LVNs work in many settings. They may be asked to: 

  • Monitor patients and take vital signs
  • Give basic patient care
  • Change bandages
  • Discuss care with patients
  • Listen to patient needs and concerns
  • Keep patient records
  • Keep patients comfortable
  • Help with activities of daily living
  • Report to registered nurses and doctors

What could you earn?

The Bureau of Labor Statistics indicates the median annual wage for LPNs and LVNs in 2023 was $59,730. The lowest 10 percent earned less than $45,670, while the highest 10 percent earned more than $77,870. 

Associates Degree in Nursing

The first level of degree typically available for nursing is an Associate Degree in Nursing. An ADN typically opens the door to become a Registered Nurse. 

Who is it for?

Aspiring students aiming to become Registered Nurses (RNs) and embark on their career journey may opt for an Associates Degree in Nursing. 

Length of Time

An ADN program generally takes approximately two years to complete.

What could you do with this certificate?

Students who earn an ADN may be able to take the Registered Nurse examination to pursue a career as an RN. The ADN coursework typically opens the door to entry level nursing positions. These nurses may:

  • Assess the condition of patients and observe their medical condition
  • Record medical histories and symptoms
  • Administer treatments and medications
  • Create care plans for patients
  • Operate medical equipment
  • Collaborate with doctors for patient care
  • Help patients understand home care
  • Perform and analyze diagnostic tests
  • Help with direct patient care under the oversight of a doctor

RNs typically work in hospitals, long term care facilities, medical offices, and other locations where skilled nurses are needed.

What could you earn?

According to the BLS, the median annual wage for registered nurses in May 2023 was $86,070. RNs with an associate’s degree typically fall on the lower end of the pay scale. The BLS reports that the lowest 10 percent of wage earners in this field earned less than $63,720 per year. On the other hand, those in the highest 90th percentile earned over $132,680, but they usually are RNs with additional training beyond the ADN. 

Bachelor of Science in Nursing

A Bachelor of Science in Nursing (BSN) is the next level of degree for RNs. There are several routes to earn a BSN. Some nursing students may start their education with this goal, earning a traditional BSN degree as their first qualification. Others may begin as an LPN and then pursue an LPN-to-BSN program. Some might become an RN first and then opt for an RN-to-BSN program. Additionally, some individuals may pursue a BSN as a second degree after already attaining a degree in another field.  

Upon completing the coursework for a BSN degree, students may need to take and pass the NCLEX-RN examination. This exam typically represents the final step in obtaining RN licensure and commencing a nursing practice. 

Who is it typically for?

Nurses who are looking to enhance their careers could earn a BSN for higher earning potential and leadership roles. Nurses with a BSN and RN licensure are often the ones considered for administrative or teaching roles. 

Length of Time

A BSN typically takes four years to complete. Nurses who already have an ADN may add an additional two years of education to complete their bachelor’s degree. 

What could you do with this certificate?

With a Bachelor of Science in Nursing, you may be able to perform all of the tasks of an RN. In addition, you may be considered for:

  • Nursing administration roles
  • Roles in hospitals where a BSN is required
  • Teaching positions
  • Nursing consulting positions
  • Nursing research positions

What could you earn?

The BLS does not provide a specific breakdown of income differences between nurses with associate’s degrees and bachelor’s degrees. However, the annual median wage for all RNs is $81,220. Nurses holding a bachelor’s degree are more likely to fall into the highest 90th percentile, where the average wage is around $129,400. 

Master of Science in Nursing

A Master of Science in Nursing (MSN) is an intermediate degree that falls between a BSN and a Doctor of Nursing Practice (DNP). MSN students often specialize in clinical concentration areas, such as pediatrics or women’s health. After completing these nursing programs, graduates may work as advanced practice registered nurses (APRNs). 

Who is it for?

The MSN program may be a stepping off point on the path to a doctor of nursing degree. 

Length of Time

It typically takes two to three years to complete a master’s degree in nursing. This is in addition to the bachelor’s level education and clinical experience.

What could you do with this certificate?

An MSN is necessary for careers as:

  • Nurse practitioners
  • Certified Registered Nurse anesthetists
  • Nurse educator
  • Clinical nurse specialist
  • Certified nurse midwife

What could you earn?

The salary of a nurse with an MSN greatly depends on their place of employment. According to the BLS, nurse practitioners, nurse midwives, and nurse anesthetists had an annual median wage of $129,480 in May 2023. Those in the top 90th percentile earned over $211,820, while those in the lowest 10th percentile earned $95,530. 

Joint Master’s Degree in Nursing

Certain schools may provide joint master’s degree programs in nursing, which combine an MSN with a master’s degree in another field, like business or health administration. This option could be beneficial for nurses who aspire to take on administrative positions rather than clinical roles. 

Who is it for?

For nurses interested in pursuing careers in policy making, community health groups, administration, or management, a joint master’s degree in nursing program could be a valuable option. This type of program can save time, as certain courses may overlap, while also enabling the nurse to earn multiple credentials simultaneously. 

Length of Time

Joint master’s degree programs may take two to three years to complete.

What could you do with this certificate?

The doors opened to a nurse with a dual master’s degree depend on the second degree earned. Some options include:

  • MSN/MHA: Director of Nursing
  • MSN/MBA: Chief Nursing Officer
  • MSN/MBA: VP of Nursing
  • MSN/MPH: Manager in Community Health Organization

What could you earn?

The earning potential of nurses with a dual master’s degree in nursing varies based on the role they take on. According to the BLS, individuals working as medical and health services managers earned a median annual wage of $110,680 in 2023. Those in the top 90th percentile earned an average of $216,750, while those in the lowest 10 percent earned less than $67,900. 

Doctoral Degree in Nursing

The most advanced level of education attainable in nursing is a doctoral degree in nursing. Known as a Doctor of Nursing Practice (DNP), it is considered the terminal degree in the field of nursing. Doctoral degrees represent the highest level of achievement available in the nursing profession. 

Who is it for?

A doctoral degree in nursing is for those who may want to earn a terminal degree in the field. Advanced practice nurses often choose this degree to open the many doors for their careers. It may work well for nurses who wish to practice fairly independently or who may want to concentrate in a field like midwifery or anesthetics. 

Length of Time

A DNP program typically takes between three and six years of nursing school study, depending on the level of education the nurse currently has. A BSN-to-DNP program may take longer than an MSN-to-DNP program. 

What could you do with this certificate?

DNP degree holders may serve as nurse practitioners. They may perform many of the roles a doctor would perform, but typically serve under a doctor. They may also serve as clinical nurse specialists. 

What could you earn?

The BLS indicates nurse practitioners earn a median annual wage of $129,480. Practitioners that hold a doctoral level degree are more likely to be in the top 90th percentile, which earned over $126,260 in 2023. Those employed as nurse anesthetists earned the highest average of $212,650. Hospital settings had the highest annual median wages, with $136,050 in 2023. 

Nursing Education Degree Levels and Career Paths

Nursing is typically a varied career that has many different levels. Often, nurses may start their careers with just certification, then advance through the different levels of education as they are also working. Here is a typical career path for a nurse who starts at the beginning and works through to the terminal degree:

Career Paths for Certificate Programs

Certified Nursing Assistant

  • $38,130 median annual wage in 2023 as per BLS.
  • Many start with a high school diploma and state approved certification program.
  • Certs may be completed in dual enrollment in high school.

Career Paths for Licensed Practical Nurse (LPN) or Licensed Vocational Nurse (LVN)

  • $59,730 annual median wage in 2023 as per BLS.
  • Many have a high school degree and a certification program.
  • Certs typically take one year to complete and require a nursing exam.

Career Paths for Associate’s Degree Programs

ADN Registered Nurse

  • $86,070 for the lowest ten percent in 2023 as per BLS.
  • Requires an associate’s degree
  • Many may earn the degree in two years

Career Paths for Bachelor’s Degree Programs

BSN Registered Nurse

  • $86,070 median annual pay in 2023 as per BLS.
  • Requires a Bachelor of Science
  • Many typically take four years to complete

Health Services Managers

  • $110,680 median annual wage in 2023 as per BLS.
  • Requires a BSN or similar degree
  • Many typically take four years to complete and require work experience in healthcare

Career Paths for Master’s Degree Programs

Nurse Midwife

  • $129,650 median annual wage in 2023 as per BLS.
  • Requires an MSN minimal degree
  • Many may complete with two to three years of graduate level education

Nurse Practitioner

  • $126,260 median annual wage in 2023 as per BLS.
  • Requires an MSN degree
  • Many may complete with 2 to 3 years of graduate education

Nurse Anesthetists

  • $180,840 median annual wage in 2023 as per BLS.
  • Requires MSN degree
  • Many may complete with 2 to 3 years additional education

Career Paths for Doctoral Level Programs

Nurse Practitioner

  • $126,260 for the highest ten percent in 2023 as per BLS.
  • Requires a DNP for this level of pay
  • Many may complete with 3 to 6 years of doctoral study

Guide Tribal Colleges and Scholarships for Native Americans

In the United States, only 17% of Native American students pursue higher education after high school, and they constitute only 1% of the undergraduate population. The Postsecondary National Policy Institute indicates that even fewer Native American students continue to graduate school, with financial obstacles often playing a significant role. However, there are potential solutions in the form of financial aid, including scholarships, grants, and opportunities provided by Tribal colleges, which can assist more Native American students in accessing college education. Financial aid options may be available to those who meet the eligibility criteria. 

Scholarships for Native American Students

Scholarships provide college funding without the burden of repayment. Numerous scholarships tailored for Native Americans focus on their specific ethnicity and can be offered by educational institutions, businesses, and non-profit organizations. Here are some Native American scholarships worth considering: 

  • United South & Eastern Tribes. Every year, the USET Education Committee provides financial awards to successful applicants from one of the 30 USET Member Tribal Nations. The deadline for applications is January 15. To be eligible, students must have a satisfactory GPA and be enrolled or accepted into a college degree program. 
  • Zuni Tribal Scholarship. American Indian students belonging to the Zuni Tribe can apply for the Zuni Tribal Scholarship. The award amount varies, and applicants must be enrolled in college. The deadline for applications is October 30, and the scholarship requires yearly renewal.
  • Full Circle Scholarship Fund. The American Indian College Fund offers this scholarship with varying award amounts, and the application deadline is annually on May 31st. To be eligible, students must maintain a 2.0 GPA. 
  • Catching the Dream Program. Native American high school seniors can benefit from three different scholarship opportunities through this program. To qualify, a high GPA is necessary, and priority is given to those pursuing STEM topics. The award amount varies, and the application deadline is September 15.
  • Chickasaw Nation Scholarship Program. Chickasaw Nation members who maintain a 3.0 GPA and take three or more credit hours per semester are eligible for this award. The amount varies depending on enrollment status and GPA. Application deadlines fall on February 15, July 1, and September 15. 
  • Wells Fargo American Indian Scholarship. Students who are members of federally recognized tribes are eligible to apply for this scholarship, which offers up to $5,000 per year and requires a minimum GPA of 2.7. The 2023 application deadline has already passed, so please refer to their website for any future updates. 
  • Indian Health Services Scholarship. Scholarships are available for American Indian and Alaska Native health students, with varying award amounts. Applicants are usually required to submit an essay and demonstrate strong academic performance. The application process generally takes place during the winter each year.
  • Daughters of the American Revolution American Indian Scholarship. The application period for this scholarship typically commences in November. It offers a one-time $4,000 award and is open to Native American students from any tribe with a minimum GPA requirement of 3.25 or higher. 
  • Association on American Indian Affairs Scholarships. The association usually provides scholarships for Native American full-time students with a GPA of 2.5 or higher. Unfortunately, scholarship applications for the fall 2023 through spring 2024 term are now closed. Please visit their website for any updates regarding future opportunities. The award amount varies. 
  • Gates Millennium Scholars Program. Native Americans are typically eligible for this scholarship as part of the minority student category. The scholarship may prioritize fields of study where their ethnic groups are underrepresented. The award amount and application deadline vary depending on the specific scholarship opportunity. 
  • American Indian Education Fund Scholarship. This scholarship is usually available to individuals with tribal enrollment for themselves or their parents. It provides an award of up to $2,000 per year. The scholarship application period begins on February 1st annually, with a priority deadline of May 31st. However, the application remains open until January 30th of the following year. 
  • Continental Society Daughters of Indian Wars, Inc., National American Scholarship. Tribal members who are enrolled in at least 8 semester hours and maintain a 3.0 average are eligible to apply for this renewable $5,000 award. The application deadline is June 15 each year. 
  • Gates Post Graduate Scholarship. The esteemed award typically offers $5,000 to $30,000 per year for students engaged in post-graduate training in STEM fields. Applicants must apply by June 1 and demonstrate a commitment to pursuing STEM disciplines.

Grants for Native American Students

Apart from scholarships for Native Americans, there are also grants available for eligible individuals. Grants function similarly to scholarships and usually do not require repayment. In addition to meeting GPA and Native status criteria, many grants also take financial need into account. Here are some grants to consider: 

  • Bureau of Indian Education Grant Program. The BIE (Bureau of Indian Education) offers a grant program specifically for Native Americans with at least ¼ Indian blood. To be eligible, students must be accepted or enrolled in a college program pursuing either an associate or four-year bachelor’s degree. Demonstrating clear financial need, often through the FAFSA application, is also a requirement for this grant. Additionally, individuals with blindness or vision loss may qualify for this program.
  • Blackfeet Nation Higher Education Grant. Members of the Blackfeet Tribe can typically apply for this grant, which offers an award ranging from $2,800 to $3,000 to be used for their undergraduate education. The application process may involve demonstrating financial need and submitting an essay.
  • Indian Higher Education Grant Program. This federal grant program offers help for Native American students with a proven financial need. 

Native American Fellowships

A fellowship typically awards a student money for college in return for service or work in a specific field. Students may need to get a job in a specific area or spend time volunteering in return for their funds. Some Native American fellowships to consider include:

  • American Indian Graduate Center Fellowship Program. This program typically grants students pursuing graduate degrees in specific fields with awards ranging from $500 to $5,000. The application deadline for this grant is June 1.
  • Frances C. Allen Fellowship for Women of American Indian Heritage. he fellowship is provided by The Newberry, an independent Chicago research library. Make sure to submit your application by December 15, and your field of study should align with the library’s collections. 
  • Native American Residency Fellowship at the Vermont Studio Center. The fellowship typically offers a one-month residency, which includes room and board, a studio, and $500 for travel expenses, to Native American visual artists who want to study at the Vermont Studio Center. Applications are due in the fall.
  • AISES Scholarships. AISES often collaborates with various businesses and non-profits to offer STEM scholarships to Native American students. The scholarship amounts and application deadlines vary depending on the chosen program.

Financial Aid for Native American Students

Many different types of financial assistance may be available to Native American students. Getting sufficient help paying for school requires that students understand all of these options. It also requires following the correct steps to apply for aid. Here’s what a student should do to get help paying for school.

Determine Your Status as a Native American

Not everyone who has Native American heritage qualifies for these scholarships. You typically must be an enrolled member of a recognized Native American Indian tribe or an Alaskan Native group to qualify. Another option may be to apply using what is called “blood quantum.” This means the student is at least ¼ Native American. Typically this is because one grandparent is full-blooded Native American. Students who need to prove their ancestry could use the US Dept. of the Interior’s Trace Indian Ancestry page to search their heritage. They may then apply to their tribe to enroll as a tribal member.

Complete the FAFSA

The Free Application for Federal Student Aid (FAFSA) establishes a student’s financial need and eligibility for federal programs, like the Pell grant. Many Native American aid programs require proven financial aid. Completing the FAFSA is the first step in proving need.

Understand the Types of Financial Aid

In addition to scholarships, Native Americans typically have these main types of student aid offered to them. These are:

  • Scholarships. Scholarships for Native Americans are awarded based on merit or ethnic status and usually do not have to be paid back.
  • Grants. Grants also typically do not get paid back. They are often based on financial need.
  • Fellowships. Fellowships pay students for work in a field specific to the group’s goals and needs.
  • Loans. Loans provide money for school that must be repaid, with interest, after graduation.
  • Work-Study. Work-study programs provide money for school in exchange for work at the college.

Check Out Other Sources for Financial Aid

While Native American students may have several financial aid options specific to them, there are other options too. Native American students should look for scholarship and grant options that does not use race or tribal status as a criterion. Scholarships and grants that look at a student’s grades, community service, and other activities could help cover the cost of school.

Challenges Native American College Students Face

Access to college and challenges with the cost of school both impact the native populations.

What are the biggest hurdles that are unique to Native American students when trying to gain admission into school?

Some of the challenges Native Americans face prevent them from getting into college. The cost of college, or the perception about that cost, is typically one hurdle. Sometimes the college admissions process is too complex for students to tackle on their own, and not having parents that went through the process may make this harder. In addition, reservation-based schools tend to have high staff turnover. Without strong relationships with guidance counselors and teachers, students may be less likely to find the perfect college or feel the importance of a college education.

What are some of the biggest challenges once these students are in school?

Many Native American students are likely to overcome these challenges and make it to school, only to find a new set of concerns. Many students find themselves on campuses with few Native students, creating a disconnect between their native culture and their new college community. Often, non-native students and teachers may not understand the cultural traditions of Native American students. If students need to miss class for cultural events, they may suffer socially or academically. Many Native students head to school as older adults. This tends to make finding appropriate, affordable housing difficult. Finally, many Native students may not be prepared well for the challenges of college life. They may feel overwhelmed with the new culture and academic courses.

American Indian College Fund

The American Indian College Fund invests in the education of Native and tribal students. This is the largest charity for this group in the nation. They typically have scholarships for Native American students, but they may also have programming that connects students to the support they need to succeed in college and beyond. Of all the resources available, this is usually one of the most helpful for new Native American college students.

Support Organizations for Native American Students

Support organizations both on campus and off provide could help to get students over these hurdles. Students could reach out to these groups to receive support and find opportunities for advancement. Some of these groups include:

  • AICF. The American Indian College Fund is one of the most important and comprehensive support groups for native students.
  • AIHEC. The American Indian Higher Education Consortium provides a network of support to sunbonnets while also working hard to change federal policies so they better support Native students.
  • AIS. American Indian Services is a non profit group that creates programs and funding for Native Americans. The goal is to help them earn a quality education while maintaining their own heritage and culture.
  • AISES. American Indian Science and Engineering Society provides support for Native Americans who are pursuing education and careers in STEM areas.
  • PWNA. Partnership with Native Americans provides help and hope for those living on isolated or remote reservations. It gives aid to help improve the economic situation of these people.

What are Tribal Colleges?

Tribal colleges and universities are higher learning schools run by tribal leaders. This is a newer idea and an attempt to deal with some of the challenges Native students face.

How Could Tribal Colleges Help?

Tribal colleges typically assist students because they understand the traditions and cultures of their tribe or native group. This means students generally do not face conflicts between their education and their culture or beliefs.

Why are Tribal Colleges Important?

Tribal college sometimes provides the only college opportunity for local native populations. They are typically located close to the people who need them, sometimes even on the reservation, and have lower cost tuition. This all combines to likely make college more accessible for Native students.

List of Tribal Colleges

There are currently over 30 tribal schools throughout the United States. Many cater to the unique cultures of a specific tribal group, but all welcome Native and non-Native people. As long as students are wiling to embrace tribal culture, they may attend one of these schools:

 

Ilisagvik College

100 Stevenson St. | Barrow, AK 99723
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This tribal school typically serves the people of the North Slope Borough, which includes many who are part of the Inupiaq culture. It usually offers degrees in health, accounting, adult education, business, construction, emergency services, heavy equipment, info tech, liberal arts, office management, industrial safety, and Inupiaq cultural studies. Degree examples include:

  • Dental Therapy (AAS)
  • Inupiaq Studies (AAS)
  • Business and Management (AAS)
  • Allied Health (AS)

School Details:

  • Dual Credit program
  • NWCCU Accredited

Scholarships:

  • American Indian College Fund

Tribal Groups

  • Inupiaq

 

Dine College

One Circle Dr. Route 12 | Tsaile, AZ 86556
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This was the nation’s first tribal-controlled, accredited institution. It typically offers a range of general ed programs in arts, humanities, English, education, STEM, business, social science and Dine studies. Degree programs may include:

  • Public Health (BS)
  • Dine Studies (BA)
  • Business Admin (BA)
  • Elementary Ed (BA)

School Details:

  • Dual Credit program
  • HLC Accredited
  • American Indian Higher Education Consortium

Scholarships:

  • American Indian College Fund Student of the Year Award

Tribal Groups

  • Navajo Nation

 

Tohono O’odham Community College

Hwy 86 | Sells, AZ 85634
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This college sits on the 2.8 million acre Tohono O’odham reservation along the Mexico border. It typically offers degrees in the arts, business, science, health, education and social services, as well as several technical trades. Courses of study may include:

  • Business Admin (AB)
  • Life Science (AA)
  • Social Work (AA)
  • Tohono O’odham Studies (AA)
  • School Details:
  • Transfer programs to four-year schools
  • Direct Employment Programs
  • HLC Accredited
  • Scholarships:
  • Gewkdag Scholarship

Tribal Groups

  • Tohono O’odham

 

Haskell Indian Nations University

155 Indian Ave. | Lawrence, KS 66046
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HINU is the country’s top tribal university with a 120 year history. It tends to have a wide range of degree programs including American Indian studies, business admin, elementary education, environmental science, and others. Degree programs may include:

  • Indigenous and American Indian Studies (BA)
  • Elementary Ed (BS)
  • Business Admin (BS)
  • Environmental Science (BS)
  • School Details:
  • HLC Accredited
  • NCATE Accredited
  • Scholarships:
  • American Indian College Fund

Tribal Groups

  • Multiple tribes

 

Bay Mills Community College

12214 W Lakeshore Dr. | Brimley, MI 49715
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BMCC provides degrees for those in the Anishinaabek culture. Degree options typically include business admin, early childhood ed, construction, Ojibwe language instruction, criminal justice and computers. Degrees may include:

  • Computer Info Systems (AAS)
  • Paramedic (AAS)
  • Criminal Justice (AA)
  • Great Lakes Native Studies (AA)
  • School Details:
  • HLC Accredited
  • American Indian Higher Education Consortium
  • Online ed options
  • Scholarships:
  • Board of Regents Tuition Award
  • Herman E. Cameron Memorial Scholarship

 

Tribal Groups

  • Chippewa

 

Keweenaw Bay Ojibwa Community College

111 Bear Town Rd. | Baraga, MI 49908
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KBOCC is on the L’asnse reservation. It typically offers associated degrees in a range of fields, including Anishinaabe studies, business, environmental studies, and early childhood ed. Degrees may include:

  • Anishinaabe Studies (AA)
  • Business Admin (AS)
  • Early Childhood Ed (AS)
  • Liberal Studies (AA)
  • School Details:
  • Scholarships:
  • American Indian College Fund

Tribal Groups

  • Ojibwa
  • Chippewa

 

 

Saginaw Chippewa Tribal College

2274 Enterprise Dr. | Mount Pleasant, MI 48858
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This public college tends to reflect the culture and value of the Anishinaabe. It is a family-focused campus and typically has small class sizes. The programs include Native studies, business, science, and liberal arts. Degree programs may include:

  • Native American Studies (AA)
  • Business (AA)
  • General Science (AS)
  • Liberal Arts (AA)
  • School Details:
  • HLC Accredited
  • Scholarships:
  • SCTC Board of Regents’ Scholarship

Tribal Groups

  • Chippewa

 

Fond du Lac Tribal and Community College

2101 14th St. | Cloquet, MN 55720
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This school offers two and four year degree programs for students from the Fond du Lac Band of Lake Superior Chippewa and other tribal groups. Degrees are typically available in elementary ed, business, corrections, geospatial tech, nursing, and nutrition. Degrees typically include:

  • American Indian Studies (AA)
  • Elementary Ed (AS)
  • Corrections (AS)
  • Nursing (AS)
  • School Details:
  • HLC Accredited
  • World Indigenous Nations Higher Education Consortium
  • Scholarships:
  • Foundation Scholarships

Tribal Groups

  • Chippewa

 

 

Leech Lake Tribal College

6945 Little Wolf Rd. | Cass Lake, MN 56633
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Leech Lake Tribal College typically serves the Ojibwe community with degrees in the arts, humanities, tech, and natural sciences. The school offers many family friendly solutions, with a focus on the Anishinaabe values. Degree programs may include:

  • Liberal Education (AA)
  • Earth Systems Science (AS)
  • Business Management (AAS)
  • Early Childhood Development (AA)
  • School Details:
  • Named best Com. College in Nation by Wallet Hub in 2017
  • HLC Accredited
  • The American Indian Science and Engineering Society member
  • Scholarships:
  • LeRoy Staples Sr. and LeRoy B. Fairbanks Scholarship
  • Susan Helen Tibbetts Sjolund Scholarship
  • Clem Nason Memorial Scholarship

Tribal Groups

  • Ojibwe

 

Red Lake Nation College

23750 MN-1 | Red Lake, MN 56671
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This school provides Ojibwe language and cultural education. It typically focuses on two year degree programs that could transfer easily into four year schools. Many student services make it easier for students to attend. The school has two degree programs, which include:

  • Liberal Education (AA)
  • Social and Behavioral Sciences (AAS)
  • School Details:
  • HLC Accredited
  • Online ed options
  • Scholarships:
  • Presidential and Achievement scholarships

Tribal Groups

  • Red Lake Nation

 

White Earth Tribal and Community College

210 Main St. S | Mahnomen, MN 56557
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This school serves the White Earth Reservation and the communities surrounding it. It typically offers one associate degree program that provides a general education with a focus on core requirements. Many students transfer to a four year school after graduation.

  • Humanities, Arts & Social Sciences (AA)
  • School Details:
  • HLC Accredited
  • Scholarships:
  • White Earth Scholarship

Tribal Groups

  • MCT White Earth Band

 

Aaniiih Nakoda College

Hwy 2 and Hwy 66 | Harlem, MT 59526
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This school typically serves tribal and non-tribal members with a focus on the Fort Belknap Indian Reservation area. It has degrees in environmental science, education, business, Native studies, health, and psychology. Degree programs may include:

  • Aaniih Nakoda Ecology (BS)
  • American Indian Studies (AA)
  • Business (AA)
  • Human Services (AA)
  • School Details:
  • NWCCU accreditation
  • USDA Extension Demonstration Farm
  • Scholarships:
  • American Indian College Fund

Tribal Groups

  • Gros Ventre
  • Aaniiih
  • Nakota

 

Blackfeet Community College

504 SE Boundary St. | Browning, MT 59417
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BCC typically serves the Blackfeet Indian Reservation and surrounding communities with degrees in IT, business, education, health, humanities, STEM, and nursing. Childcare services make it possible for adults with families to attend. Degree programs usually include:

  • Accounting (AS)
  • Elementary Ed (AS)
  • Liberal Arts (AA)
  • Piikani Studies (AA)
  • School Details:
  • NWCCU accreditation
  • Online and hybrid courses
  • Scholarships:
  • First Time First Year Freshman Scholarship

Tribal Groups

  • Blackfeet

 

Chief Dull Knife College

One College Dr. | Lame Deer, MT 59043
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This tribal college typically provides degrees to members of the Northern Cheyenne reservation. The college is on the forefront of tribal language preserving efforts. Students may study the arts, political science, social science, STEM, business, paralegal, and Native studies. Programs are designed to transition students to four year degrees. Degree programs usually include:

  • Addiction Studies (AA)
  • AA Animal Science (AA)
  • Cheyenne Studies (AA)
  • Math (AS)
  • School Details:
  • American Indian Higher Education Consortium
  • American Association of Community and Junior Colleges
  • NWCCU accreditation
  • Scholarships:
  • American Indian College Fund

Tribal Groups

  • Cheyenne

 

Fort Peck Community College

PO Box 398 | Poplar, MT 59255
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This college has two campuses and several degree programs. Students may study degree programs or earn certs while preserving the culture of the Assiniboine and Sioux people from the Fort Peck Reservation. Some of the school’s degrees typically include:

  • Business Admin (AA)
  • Native American Studies (AA)
  • Bio Medical Science (AS)
  • Info Tech (AAS)
  • School Details:
  • NWCCU accreditation
  • World Indigenous Nations Higher Education Consortium
  • Scholarships:
  • American Indian College Fund

Tribal Groups

  • Assiniboine
  • Sioux

 

Little Big Horn College

8645 S Weaver Dr. | Crow Agency, MT 59022
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This school typically weaves the Crow culture into its training programs. It has a modern campus on the Crow Indian Reservation. Students may study a wide range of topics, including pre-nursing, info tech, Crow studies, ecology, and more. Degree programs likely include:

  • Business Admin (AA)
  • Crow Studies (AA)
  • Info Systems (AS)
  • Science (AS)
  • School Details:
  • NWCCU accreditation
  • Scholarships:
  • American Indian College Fund

Tribal Groups

  • Crow

 

Salish Kootenai College

PO Box 70 58138 US Hwy 93 | Pablo, MT 59855
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SKC reaches the people of the Flathead Nation. It generally provides a range of degree programs spanning everything from psych to construction. Student clubs and on campus housing make education attainable for students. Degrees typically include:

  • Business Admin (BA)
  • Forestry (BS)
  • Tribal Historic Preservation (BA)
  • Psychology (BA)
  • School Details:
  • Dual Enrollment program
  • NWCCU accreditation
  • Scholarships:
  • CSKT Scholarship

Tribal Groups

  • Flathead Nation
  • Séliš
  • Ksanka
  • QÍispé

 

Stone Child College

8294 Upper Box Elder Rd. | Box Elder, MT 58521
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SCC is a tribal chartered college that typically focuses on preserving the Chippewa Cree culture and language. Students may study health, arts, Native culture, tech, education, human services, and business. A campus daycare and on campus room rental help may students succeed. Degrees typically include:

  • Elementary Education (BS)
  • Allied Health (AS)
  • Native American Studies (AA)
  • Human Services Rural Behavioral Health (AA)
  • School Details:
  • NWCCU accreditation
  • American Indian Higher Education Consortium
  • Scholarships:
  • April Dawn Stamper Memorial Scholarship
  • Fine Arts Scholarship
  • William O. Goggins Journalism Award

Tribal Groups

  • Chippewa Cree

 

Cankdeska Cikana Community College

213 1st Ave. | Ft Totten, ND 58335
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CCCC trains the people of the Spirit Lake Dakota Reservation. It typically has degrees in Dakota studies, social work, the arts, tech, health, and ed, with trade certs as well. Many cultural events keep students connected to their tribe. Degree programs usually include:

  • Dakota Studies (AA)
  • Social Work (AA)
  • Pre Nursing (AS)
  • Office Tech (AAS)
  • School Details:
  • HLC Accredited
  • American Indian Higher Education Consortium
  • North Dakota Association of Tribal Colleges
  • Scholarships:
  • Spirit Lake Tribal scholarship

Tribal Groups

  • Dakota

 

Nueta Hidatsa Sahnish College

220 8th Ave. N | New Town, ND 59763
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NHSC is chartered by the Three Affiliated Tribes of the Ft. Berthold Reservation. It typically offers training in Native studies, ed, business, social work, STEM, and equine studies. On campus childcare and student housing are available. Degrees usually include:

  • Env. Science (BS)
  • Native Studies (BS)
  • Addiction Studies (AA)
  • Equine Studies (AA)
  • School Details:
  • HLC Accredited
  • Scholarships:
  • ITCHE Shikake Scholarship
  • Dakota Indian Scholarship
  • TAT Tribal Chairman’s Ed Grant

Tribal Groups

  • Mandan
  • Hidatsa
  • Arikara

 

Sitting Bull College

9299 Hwy 24 | Fort Yates, ND 58538
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This college is based on the Standing Rock Reservation, but also has sites in South Dakota. It typically offers academic, career, and tech ed, with bachelor’s and associate degree programs along with certs. It also has one master’s degree, making it one of the rare tribal schools to offer grad work. Degree options usually include:

  • Env. Science (MS)
  • Curriculum and Instruction (M.Ed)
  • Native American Studies (BA)
  • Social Work (BA)
  • School Details:
  • HLC Accredited
  • Scholarships:
  • Barden Scholarship
  • Build Your Brighter Future Scholarship
  • Crazy Horse Memorial Scholarship
  • Dakota/Lakota Scholarship
  • Doyle Butler Memorial Scholarship

Tribal Groups

  • Lakota
  • Dakota
  • Sioux

 

Turtle Mountain Community College

10145 BIA Rd. 7 | Belcourt, ND 58316
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TMCC trains the Turtle Mountain Band of Chippewa and sits on the Turtle Mountain Band of Chippewa reservation. This commuter college typically offers bachelor’s degrees, associate degrees, and certs. Degree programs may include:

  • School Details:
  • HLC Accredited
  • Dual Credit program
  • Scholarships:
  • Tribal Scholarship Program

Tribal Groups

  • Chippewa

 

United Tribes Technical College

3315 University Dr. | Bismarck, ND 58504
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UTTC is a tech school focused on tribal education and cultural preservation. It typically offers associate degree options and certs. Degree programs might include:

  • Elementary Ed (AS)
  • Auto Tech (AS)
  • Human and Social Services (AA)
  • Graphic Design (AS)
  • School Details:
  • HLC Accredited
  • Online degree options
  • Scholarships:
  • American Indian College Fund

Tribal Groups

  • Mandan
  • Hidatsa
  • Arikara

 

Little Priest Tribal College

601 E College Dr. | Winnebago, NE 68071
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LPTC typically offers associate degrees in language and culture as well as education, liberal arts, and business. The campus is on the Winnebago Reservation and strives to prepare students to transfer to a four year school. Degrees likely include:

  • Native American Studies (AA)
  • Teacher Ed (AA)
  • Indigenous Science Environmental (AS)
  • Indigenous Science Health (AS)
  • School Details:
  • American Indian Higher Education Consortium
  • HLC Accredited
  • Nebraska Transfer Initiative
  • Scholarships:
  • Winnebago Scholarship and Financial Assistance Program

Tribal Groups

  • Winnebago

 

Nebraska Indian Community College

College Hill | Macy, NE 68039
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This tribal school has three campuses and has both associate degrees and certs. Students may use their degrees to pursue entry level positions or to transfer to a four year program. Degree options include:

  • Carpentry (AAS)
  • Native American Studies (AA)
  • Para Educator (AA)
  • Business (AA)
  • School Details:
  • HLC Accredited
  • American Indian Higher Education Consortium
  • Scholarships:
  • High School Grad Success Scholarship

Tribal Groups

  • Omaha
  • Santee Sioux

 

Institute of American Indian Arts

83 Avan Nu Po Rd. | Santa Fe, NM 87508
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This is the only tribal college that is a four year fine arts institution. It typically serves all Native people, including Alaska Natives, and focuses on the Native arts. It has certs, associate degrees, bachelor’s degrees, and master’s degrees, and all are in the arts. Degree programs may include:

  • Cinema and Tech (BFA)
  • Creative Writing (MFA)
  • Museum Studies (BFA)
  • Studio Arts (BFA)
  • School Details:
  • HLC Accredited
  • IAIA Museum of Contemporary Native Arts
  • Dual Credit programs
  • Scholarships:
  • American Indian College Fund

Tribal Groups

  • Serves all Native people

 

Lowerpoint Rd. | Crownpoint, MN 87313
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NTU typicaly follows the Dine Philosophy of Education. It has a campus in Arizona as well as Crownpoint. It has master’s degrees, bachelor’s degrees, associates degrees, and certs, including several in the Dine language. Students may study education, health, veterinary science, energy, IT, business, and Native culture. Programs include:

  • Dine Culture, Language, and Leadership (MA)
  • BAS Hotel and Restaurant Admin (BAS)
  • Animal Science (BS)
  • Env. Science and Natural Resources (BS)
  • School Details:
  • HLC Accredited
  • ABET accredited
  • Scholarships:
  • PNM Scholarship
  • Tom Davis Scholarship

Tribal Groups

  • Navajo

 

Southwestern Indian Polytechnic Institute

9169 Coors NW | Albuquerque, NM 87184
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This school typically focuses on STEM opportunities for Native learners. It has certs and associate degree programs in tech and computers. It also has degrees in business. Programs may include:

  • Culinary Arts (AAS)
  • Vision Care Tech (AAS)
  • Geo Spatial Info Tech (AAS)
  • Pre Engineering (AS)
  • School Details:
  • HLC Accredited
  • American Indian Higher Education Consortium
  • Online degree options
  • Scholarships:
  • The Johnson Scholarship
  • SIPI New Student Scholar

Tribal Groups

  • All tribal groups served

 

College of the Muscogee Nation

1200 Hwy Loop 56 | Okmulgee, OK 74447
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This college typically offers general ed and tribal programming. Associate degrees and certs are both available, many in the Mvskoke language. Degree options may include:

  • Native American Studies (AS)
  • Tribal Services (AS)
  • Criminal Justice (AAS)
  • Gaming (AAS)
  • School Details:
  • HLC Accredited
  • Scholarships:
  • Muscogee (Creek) Nation Scholarship Foundation

Tribal Groups

  • Muscogee (Creek)

 

Sinte Gleska University

101 Antelope Lake Circle | Mission, SD 57555
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This college typically offers master’s degrees, bachelor’s degrees, associate degrees, and certs in the arts, education, computers, human services, and Native history and culture. Degree usually programs include:

  • School Details:
  • HLC Accredited
  • Scholarships:
  • American Indian College Fund

Tribal Groups

  • Sicangu Lakota
  • Sioux

 

Sisseton Wahpeton College

BIA Rd. 700 Agency Village | Sisseton, SD 57262
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SWC serves members of the Sisseton Wahpeton Oyate of the Lake Traverse Reservation. It typically has associate degrees and certs in a range of fields, including business, finance, ed, and Dakota studies. Degree programs include:

  • Addiction and Diversity Counseling (AS)
  • Sustainable Env. Studies (AS)
  • Carpentry Tech (AAS)
  • Dakota Studies (AA)
  • School Details:
  • HLC Accredited
  • Articulation Agreements
  • Online degrees offered
  • Scholarships:
  • N/A

Tribal Groups

  • Sisseton Wahpeton Sioux

 

Oglala Lakota College

3 Mile Creek Rd. | Kyle, SD 57752
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OLC serves the Pine Ridge Reservation and the Oglala Sioux Tribe. It typically has master’s degrees, bachelor’s degrees, associate degrees, and certs, with a focus on Lakota language and culture. Students may study health, IT, business, ed, construction, STEM, and Native studies. Degree programs likely include:

  • Lakota Studies (BA)
  • Lakota Leadership and Management (MA)
  • K 12 Lakota Studies Education (BS)
  • Social Work (BSW)
  • School Details:
  • HLC Accredited
  • American Indian Higher Education Consortium
  • Online degree options
  • Scholarships:
  • Board of Trustees Supplemental Scholarship
  • Johnson Entrepreneurship Scholarship

Tribal Groups

  • Lakota
  • Oglala Sioux

 

Northwest Indian College

2522 Kwina Rd. | Bellingham, WA 98226
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NIC is part of the Lummi reservation and typically focuses on protecting tribal values. Students can earn bachelor’s degrees, associates degrees, and certs in Native studies, tribal government, business, human services, and IT. Programs usually include:

  • Native Studies Leadership (BA)
  • Community Advocacy and Community Ed in Human Services (BA)
  • Native Env. Science (BA)
  • Tribal Gov. and Business Management (BA)
  • School Details:
  • NWCCU accreditation
  • Scholarships:
  • American Indian Entrepreneurship Scholarship (NWIC)
  • Foundation Scholarships (NWIC)
  • S-STEM Scholarship (NWIC)

Tribal Groups

  • Lummi

 

College of Menominee Nation

N 172 Hwy 47/55 | Keshena, WI 54135
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CMN is on the Menominee Reservation with a campus in Green Bay. This school typically has bachelor’s degrees, associate degrees, and certs. Students may study education, nursing, Native studies, business, and STEM. Programs include:

  • Public Admin (BA)
  • Business Admin(BS)
  • Natural Resources (AAS)
  • Substance Abuse (AAS)
  • School Details:
  • HLC Accredited
  • Scholarships:
  • CMN Privately Funded Scholarships

Tribal Groups

  • Menominee Nation

 

Lac Courte Oreilles Ojibwe Community College

13466 W Trepania Rd. | Hayward, WI 54843
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Programs typically include:

  • Native American Studies (AAS)
  • Accounting (AAS)
  • Business (AS)
  • Nursing (AS)
  • School Details:
  • HLC Accredited
  • Scholarships:
  • La Courte Orielles Ojibwe College Student Scholarship Fund
  • Johnson Scholarship Foundation Scholarship
  • Gay I. & Harry C. Leslie III Fund
  • Isham Chase Scholarship Fund

Tribal Groups

  • Chippewa

Vet Tech Career Guide

What is a Vet Tech?

A veterinary technician is a trained professional with fundamental medical knowledge and clinical skills applicable to animal care. Typically, they work alongside veterinarians in animal hospitals and veterinary clinics. Their responsibilities may encompass conducting laboratory tests, evaluating animal health, providing assistance during procedures, and performing routine wellness examinations on animals.

Pursuing a career as a vet tech can provide an opportunity to engage in the daily care of animals. If you possess a passion for animals and aspire to contribute to their well-being and happiness without pursuing a veterinary degree, veterinary technician education might be the perfect path for you. Let’s delve deeper into this field of veterinary medicine and explore the requirements for becoming a qualified vet tech.

Vet Tech Duties and Responsibilities

A veterinary technician’s primary job generally is helping a vet care for animals. This includes helping animals live healthy lives and protecting the happiness of an animal. Vet techs could be thought of as nurses in a veterinary setting. The duties and responsibilities a vet tech has may depend on the type of practice where the tech works. Their education allows them to do many jobs in a vet’s office, outside of prescribing medicine, diagnosing a condition, and doing surgeries.

Some of the specific jobs that may fall on the vet tech’s shoulders at a vet’s office include:

  • Administering animal’s medications or vaccines
  • Administering treatments in the vet clinic
  • Prepping animals for surgical procedures the vet performs
  • Evaluating the health of an animal through wellness checks
  • Holding animals down during exams or treatments
  • Educating owners on what to do at home to care for an animal
  • Performing routine, non medical care tasks, like trimming toenails or cleaning ears
  • Observing animals for signs of health needs
  • Performing x rays and other diagnostic tests
  • Helping vets and vet scientists with research in the field
  • Charting health histories for animals
  • Providing assistance during surgery or procedures
  • Giving animals anesthesia
  • Offering emergency first aid in urgent care situations
  • Surgical nursing care for vets

Veterinary technicians also generally work with a wide range of animals. In a standard vet’s office, they may typically see cats and dogs and similar small animal pets. However, in an exotic vet’s office, they may see birds, reptiles, and rodents. And, in a farm vet’s office, they may work on the farm with horses, cows, goats, and other farm animals. The work of a vet tech could be quite varied.

Veterinary technicians may also work in lab settings. When animals are used to test medications and products, they require humane handling and care. They may also need careful observation. Vet techs might do both. Their knowledge of animal health and physiology combined with their passion for animals may make them a good fit for this role.

Vet Tech Skills and Competencies

Veterinary technicians need to have a caring demeanor and enjoy working with animals. They must be able to handle animals carefully and treat them in a humane manner. They may also need to have a good bedside manner to help animal owners, especially during times when animals are in distress or facing serious medical issues. Some specific skills that help vet techs succeed may include

Good Communication Skills

Vet techs may need to be able to share their knowledge with animal owners and their coworkers. This requires good communication skills, especially when taking medical knowledge and sharing it with non medical people like owners. Vet techs also need to be able to communicate with vets, being able to respond quickly when the doctor needs something during a procedure.

Empathetic Nature

Pet owners are quite connected to their pets. They often think of them as family. Vet techs must understand this and be able to offer empathy to owners who are in distress because their pet is sick or in pain.

Physical Stamina

The job of a vet tech can be physically demanding. This job requires you to stay on your feet most of the day. You may need to lift and move heavy animals. You must be able to give the animals in your care your undivided attention throughout the day. Vet techs also risk injury on the job. Animals are unpredictable. Techs may get bitten or scratched. Those working with large animals and in equine vets can get kicked. Physical stamina can help you recover from these injuries more quickly.

Dexterity

As a vet tech, you will be asked to handle animals and medical equipment, often at the same time. This can be tricky. Having good dexterity is helpful.

Attention to Details

In any medical setting, including veterinary work, missing details can be a life or death situation. Techs generally working in laboratory animal settings must carefully evaluate the animals in their care. Maintaining accurate records and reporting issues or illness are critical to caring for animals. Vet techs must be detail oriented to do their jobs well.

Technical and Medical Skills

A veterinary technician’s job is a medical job, and this means they will need to be comfortable working with medical equipment, delivering medications, measuring samples, and using diagnostic equipment. They have to be comfortable administering injections or drawing blood. Learning how to use medical equipment quickly in the field is also important.

Emotional Resiliency

Some of the work of a vet tech can be emotionally difficult. Vet techs may need to administer euthanasia for a sick pet. They may witness and document animal abuse. These emotionally draining tasks require resiliency.

Vet Tech Salary and Job Outlook

Many individuals embark on their veterinary career journey by obtaining a veterinary technician certificate, which can serve as a stepping stone towards various paths in animal care. Depending on their aspirations, it may either lay the foundation for a future as a veterinary scientist or doctor, or it could be the sole profession one chooses to pursue. As stated by the US Bureau of Labor Statistics, the median annual salary for veterinary technicians in 2023 amounted to $43,740, corresponding to an hourly rate of $21.03. 

Veterinary technicians specializing as health technicians garnered a median annual wage of $43,740, while those employed in the field of education, such as in colleges and professional schools, earned a median annual wage of $48,850. The employment prospects for vet techs are projected to witness a remarkable 19% growth from 2023 to 2033, surpassing the average rate of growth in comparison to other occupations, according to the BLS

Education and Certification

If a career as a veterinary technician seems like a good fit for your skills, education is the starting point. This career requires post secondary education. In many states, it also requires certification and credentialing examination.

What Groups Oversee a Veterinary Technology Program?

Vet techs need to be properly certified for their jobs. Several groups assist in this certification. The Committee on Veterinary Technician Education and Activities, which is part of the American Veterinary Medical Association, is one of these. Vet techs must be certified. The certification exam comes from the American Association of Veterinary State Boards (AAVSB).

Education for Vet Techs

To embark on a career as a vet tech, the initial step is to acquire the necessary education. The CVTEA/AVMA, an organization responsible for accrediting vet tech programs, should be consulted when searching for an appropriate program. 

The foundational degree for a vet tech is a two-year associate’s degree. To prepare for this, it is advisable to take biology and related science courses during high school. Strong mathematical skills can also prove beneficial. If your aspirations lean towards becoming a vet technologist rather than a vet tech, a four-year bachelor’s degree may be required. Regardless of whether you opt for a two-year or four-year program, you will delve into various aspects of animal care during your studies. Expect to learn:

  • How to administer anesthesia
  • Biochemistry for animals
  • Nursing care for animals
  • Pathology for vets
  • Pharmaceuticals
  • Anatomy and physiology for animals
  • Surgical care and nursing for animals
  • Common animal diseases

In addition to the in classroom, vet techs may receive clinical or on the job training. Some of the work these pros perform can’t be taught in a classroom setting, but requires hands on instruction. The AVMA requires internship or hands on clinical experience as part of their certified program. Depending on the school and the state, this may be called:

  • Internship
  • Externship
  • Preceptorship
  • Practicum

Regardless of the title, the goal is generally the same. These programs aim to give students the chance to practice what they’ve learned in the classroom under the supervision  of a trained tech or licensed veterinarian.

Vet Tech Certification

After completing a degree program and internship, you may need to be certified or credentialed as a vet tech. The rules for certs vary by state. Many states require their vet techs to take a credentialing exam. A common credentialing exam is the Veterinary Technician National Examination (VTNE). This exam takes four hours to complete. It covers 200 multiple choice questions. These questions cover the following areas of knowledge:

  • Anesthesia
  • Radiography and ultrasound
  • Pharmacy
  • Dentistry
  • Laboratory
  • Animal nursing
  • Surgical prep and assisting

To prepare, students could purchase a practice exam from the American Association of Veterinary State Boards. Before taking the exam, always consult your state’s vet tech credentialing rules. Upon passing the vet tech exam, you may receive your credentials as a vet tech. This makes it possible to start applying for work in the field and pursuing your career.

Similar Roles

A vet tech is similar to a few other roles. They vary based on income and job responsibilities. Comparing the differences could help you make a career choice for your needs.

Vet Assistant Vs. Vet Tech

A veterinary assistant is an individual who collaborates with a veterinarian but typically possesses less formal education in the field. They may acquire a certification in veterinary assisting or acquire their skills through on-the-job training. Due to their lack of formal training, these individuals usually do not engage in direct animal care. Their main responsibilities revolve around clerical and maintenance tasks, although they may assist in restraining animals during procedures. 

Vet assistants are often responsible for managing schedules and collecting payments. They may also handle tasks such as feeding and exercising animals, preparing and maintaining equipment, as well as ensuring the cleanliness of the veterinary office. Both vet assistants and vet techs are subject to state regulations, and the American Veterinary Medical Association provides a state-by-state comparison chart illustrating the specific duties each role can perform. 

According to the BLS, the median annual salary for vet assistants amounts to $36,440. Similarly, to vet techs, those working in educational institutions, including college campuses, tend to earn the highest median annual wages. Furthermore, the field of vet assisting is expected to experience growth, with a projected 19% increase by 2033. 

Veterinary Technologist Vs. Vet Technician

“Vet tech” typically refers to the role of a vet technician. A vet technologist is a different role, but with a similar name so they are sometimes confused. Vet techs typically have a two-year associate degree. Vet technologists typically have a four-year bachelor’s degree. The credentials are similar, and technologists may not have a specific credential depending on the state. It is the additional education that sets them apart. 

Vet techs and vet technologists may perform similar duties. The additional education of the technologist may open the door to pursuing roles with a higher potential salary or leadership positions. It may also provide the perfect foundation for a career in a lab setting instead of a vet’s office. The BLS indicates that technologists earn $43,740 as the median annual wage in 2023.

Online Nursing Degree for Non Nurses

Did you know if you already have a degree in another field you can still make a change and go to nursing school to get a degree in nursing? Numerous online nursing degree programs are tailored to non-nurses, providing them with a wide range of choices. It’s important to remember that many nursing programs, including online options, mandate completing clinical hours or a practicum in a medical setting. Here’s a comprehensive guide on how non-nurses can embark on a nursing career by obtaining an online nursing degree designed specifically for them. 

What is a Registered Nurse?

A Registered Nurse (RN) is a nursing professional who has undergone a designated nursing program and has successfully passed the necessary nursing examinations mandated by the state. If you are currently a non-nurse, not working in the nursing field, or lack a nursing degree, obtaining an RN certification or pursuing an online nursing degree could be a strategic career choice. 

CNA Certificate or Diploma

One possible path toward pursing a nursing career is earning a CNA certificate. This does not give you the credentials for an RN degree, but may allow  jumpstart your career in the medical field while pursuing additional education for an RN. 

What Does a CNA Do?

CNAs typically perform basic medical care and help with keeping medical offices running. They cannot prescribe medicine or perform medical procedures. They may be asked to:

  • Assist with medical procedures
  • Change or apply bandages
  • Prepare rooms and supplies
  • Clean rooms and linens
  • Assist patients with activities of daily living
  • Take and record vitals
  • Document care given to patients

How to Become a CNA

To pursue a career as a CNA, you must complete a training program approved in your state. High schools, tech schools, hospitals, and community colleges commonly offer these programs. You generally don’t need any previous training to enter a CNA program. Some CNA training programs may be available online, but all will have a hands on component that must be completed in person.

Who is it designed for?

A CNA certificate or diploma is perfect for someone who wants to transition to nursing from a non nursing background. The training aims to provide a foundation in nursing and medical care, and it could open the door to pursuing work in the field. Many may use this as a starting point to further education as they pursue RN degree.

How long could it take?

Training for a CNA certificate or diploma may take just a few weeks. One program run by the American Red Cross typically takes four to eight weeks to complete.

Income Potential for CNA

The Bureau of Labor Statistics indicates an median annual salary for CNAs and orderlies in 2023 was $38,200.

LPN/LVN Certificate or Diploma

A Licensed Practical Nurse (LPN) or Licensed Vocational Nurse (LVN) is the next step up on the nursing career ladder. This is still not a registered nurse position, but it could assist in jumpstarting your career. 

What Does an LPN/LVN Do?

LPNs and LVNs work in healthcare settings to assist doctors and perform some of the roles of a nurse. This may include:

  • Keeping patient records
  • Reporting patient needs to RNs or doctors
  • Caring for patient needs
  • Helping with activities of daily living, like bathing or dressing
  • Feeding patients
  • Basic patient care, like catheter placement or bandage care
  • Discussing healthcare with patients and their families

How to Become an LPN/LVN

To become an LPN or LVN, individuals must successfully complete a suitable course or program, often offered at technical schools or community colleges. While some programs may have online classes, hands-on training in person is mandatory. Once the program is completed, aspiring LPNs/LVNs must take the National Council of State Boards of Nursing examination (NCLEX-PN), a required licensing exam for new nurses in all states. 

Who is it designed for?

People who want to practice as nurses, not simply assist in a medical setting, but want to launch their career could benefit from LPN and LVN training. For many non nurses, this is a first or second step on the path to an RN degree. It may provide higher earning potential and more graduate employment options than a CNA.

How long could it take?

The LPN or LVN training program typically takes about one year to complete. Nurses may choose certification in a concentration, which could add additional time to their training.

Income Potential for LPN/LVN Nurses

The BLS reports a median annual wage of $59,730 for LPN and LVN professionals in 2023. 

Associates Degree in Nursing

The first actual degree for a nurse is an Associate Degree in Nursing, or ADN. With an ADN, a nurse may be eligible to take the certification tests for RN licensure.

What does an ADN-RN Do?

A registered nurse with an ADN degree could pursue work in a hospital or clinical setting. They are often responsible for:

  • Assessing the condition of a patient
  • Recording health histories and medical care
  • Giving medication
  • Giving medical treatments
  • Provide acute care to patients
  • Consulting with doctors and lead nurses about patient care
  • Helping patients understand their home care plans
  • Using medical equipment to take care of patients

How to Become an ADN-RN

To pursue a career as an RN with an associate’s degree, you must find a college that offers an ADN program. Choose an accredited school that is accredited by the Commission on Collegiate Nursing Education (CCNE). Your coursework may be available through online programs or on campus, but all RNs must have clinical hours before they are eligible to sit for their RN license exam. After completing their nursing education, students must pass the requirements for licensure. These vary by state, but usually include:

  • Criminal background check
  • Clinical experiences
  • State board requirements
  • NCLEX-RN examination

Who is it for?

Someone who has no background in nursing but want to pursue a  career as an RN should consider an ADN-RN program. It could be one of the ways to earn your credentials as an RN.

How long could it take?

Completing the ADN-RN program typically takes approximately two years.

Income Potential for ADN-RN Degree Holders

The BLS does not break down income potential for RNs based on degree. The median annual pay for RNs in 2023 was $86,070. 

Bachelor of Science in Nursing

A Bachelor of Science in Nursing aims to prepare students for RN positions, but typically offers more in depth education in nursing theory and nursing practice.

What does a BSN-RN Do?

A nurse who holds a BSN degree typically performs many of the same roles as one with an APN degree. However, they may be more likely to be asked to perform leadership roles. They may:

  • Help with diagnostic tests
  • Analyze results from tests and labs
  • Teach patients and families how to take care of their medical needs
  • Operate advanced medical equipment
  • Set up patient care plans with the oversight of a doctor or head nurse

How to Become a BSN-RN

To pursue a career as a BSN-RN, you will need to complete a nursing bachelor’s degree program. Some students may start with an APN, then begin working, and then add their BSN courses. However, for those who do not have any nursing background, starting with the bachelor’s education directly may be an option.  to enhance your career. Online programs may make this a little easier.

Another option for non nurses who already have a bachelor’s degree is an accelerated BSN programs. An accelerated BSN program typically provides the nursing education without the general ed coursework that the student already learned. These accelerated programs are designed to allow the previous bachelor’s degree to count toward many prerequisite courses.

After completing the BSN program, a nurse will need to earn licensure as an RN. This typically includes passing criminal background checks, any state requirements, and passing the NCLEX-RN licensing exam.

Who is it for?

A Bachelor of Science in Nursing degree program may work for someone with no nursing education or experience, but who wants to pursue a career as a Registered Nurse.

How long could it take?

With no medical background, a BSN degree program usually takes about four years to complete. An accelerated BSN program may take as little as 15 to 18 months to complete. Online nursing programs may take less time if the students progresses through course work quickly.

Income Potential for BSN-RN

The BLS reports the median annual pay for all RNs is $86,070 per year as of 2023. However, those who hold a BSN degree are more likely to make higher income than those with an APN. 

Master of Science in Nursing

A Master of Science in Nursing (MSN) degree may be required for advanced nursing professionals. It may be possible for non nurses to enter a direct entry MSN program, letting them earn this graduate degree from the start of their nursing career.

What does an MSN Nurse Do?

Holding an MSN degree could open the door to positions as an RN as well as a nurse practitioner. Some common roles filled by MSN graduates include:

  • Certified Nurse Midwife
  • Nurse Practitioner
  • Nurse Anesthetist

MSN nurses could pursue work in many concentration areas. They may also provide primary care to patients under the direction of a doctor.

How to Become an MSN Nurse

Many people who have an MSN start with a BSN and an RN license, but Direct Entry programs for non nurses could allow people with other degrees to earn an MSN. These typically require an undergrad degree in another field, but may cover basic nursing skills in addition to the advanced nursing practice common with an MSN. Many Direct Entry MSN programs are available with online components or as fully online degrees, with the exception of the clinical practice requirements.

Who is it for?

A Direct Entry MSN program may work for students who already have a bachelor’s degree in a non nursing field, but who want to change careers and pursue an RN. These programs typically include the necessary nursing courses to make up for the lack of nursing education on the bachelor’s degree level.

How long could it take?

Many MSN programs generally take between 15 months and two years to complete. Many may require clinical experiences or a practicum, but may offer online classes.

Income Potential for MSN Nurses

The BLS indicates the median annual wage for advanced level nurses is $129,480 in 2023. Nurse anesthetists earned the highest median annual salary of $212,650, followed by nurse practitioners at $126,260 and nurse midwives at $129,650. 

Choosing a Nursing Concentration

RNs may have the option to choose a nursing concentration with many nursing programs. A concentration usually requires them to study a particular nursing area more in depth. This may help provide greater job security and income earning potential. Choosing a concentration requires careful thought and answering these questions:

What interests you? 

Because your career as an RN may focus a lot of your time and energy on your concentration, consider your interests and choose one that fits well. Do you thrive on adrenaline? Then working in emergency care or trauma may work well. Do you love children? Pediatrics could be a good fit. This is one important questions to ask when deciding on your nursing concentration because your concentration may direct your entire career.

How much patient contact do you want?

What does the daily work look like for a nurse in that specialty? Does it fit your goals and interests? Do you want to work closely with patients or work in an office, and could this career path open that door for you?

What job setting do you want?

Do you picture yourself in a hospital or a doctor’s office? Does in home health care seem to be a good fit for your career goals? Different specialties may create different opportunities, so consider this carefully.

What salary is typical for the concentration? 

The median annual salary for RNs varies significantly based on concentration. The BLS indicates those working in hospitals earn a median annual salary of $86,070, while those working in residential care earn a median annual salary of $79,280, for instance. Research the career potential of the concentration you’re considering. 

What does your local job market need?

Unless you’re open to moving, you may want to focus on the demand in your local market. Is geriatrics in demand, or do you have a baby boom requiring obstetrics and pediatric nurses?

Do you love technology? 

If you love technology, you might want to focus in nursing informatics. This teaches RNs how to manage electronic health records.

Does the concentration require additional certs?

 Some concentration may require additional certification. Are you willing and able to pursue these in order to jumpstart your career as an RN?

Registered Nurse Career Outlook

Thinking about switching careers and becoming a registered nurse? You’re not alone! The demand for RNs continues to grow, especially as the aging population increases the need for healthcare services. According to the BLS, there were 3,172,500 registered nurses employed in the U.S. in 2023. Over the next decade (2023–2033), the field is expected to grow by 6%, which is faster than average. That means an estimated 3,497,300 nursing jobs will be available.

If you’re exploring different ways to start your nursing journey, an online nursing degree for non-nurses could be a flexible option. With online coursework, hands-on clinical training, and passing the required exam, you can take the first step toward a fulfilling and in-demand career.

Largest University Endowments

Endowments embody allocated funds with a designated purpose. Largest university endowments frequently encompass financial resources and additional assets generously contributed to the institution by various benefactors. Educational establishments utilize these resources for diverse purposes, spanning research, instructional activities, and even pursuits aligned with public service aspirations. These endowments wield substantial influence as a means to finance cutting-edge advancements. Significantly, the preeminence of educational institutions is often mirrored by the magnitude of their university endowments.

What Are University Endowments?

University endowments constitute a distinctive form of investment. Their uniqueness stems from their meticulous structure designed to sustain the funds indefinitely, guided by stringent financial protocols. These resources generally adhere to long-term directives that promote steady asset growth while minimizing the risk inherent in other investment avenues. Consequently, the university upholds a substantial balance within the fund to fulfill ongoing requirements.

What Is the Purpose of a University Endowment?

An endowment can work for many things. University endowments typically help finance some aspect of the school’s efforts. This could include supporting operations. It may include professorships. They often include scholarships as well. These are scholarships awarded from the endowment to students attending the school. Endowments are a valuable source of revenue for schools. They typically become an essential lifeline for some organizations. For others, the funds let the schools innovative, expand, grow, and change to meet new needs. Attending a school with the largest university endowments could mean more access to scholarships and better educational tools.

How Do They Work?

An endowment is bestowed upon the institution, typically with a specific purpose or objective for the allocated funds. In cases involving scholarships, certain criteria might be applicable to students seeking access. Once established, the endowment takes effect and gradually accumulates value through successful investment performance. This contributes to the renewal of available funds for utilization. Periodically, the university can allocate scholarships or deploy the funds in alignment with the endowment’s stipulations.

Students seeking to benefit from these endowments must adhere to the prerequisites outlined in the scholarship application process. These criteria tend to vary among different educational institutions. Many universities possess multiple endowments, each governed by distinct regulations. Consider examining some of the most affluent universities in the United States, as determined by their contemporary market value.

Largest University Endowment Colleges

Which schools have the largest university endowments?

  1. Harvard University
  2. University of Texas System
  3. Yale University
  4. Stanford University
  5. Princeton University
  6. Massachusetts Institute of Technology (MIT)
  7. University of Pennsylvania
  8. Texas A&M University System
  9. University of Michigan
  10. Northwestern University
  11. University of California System
  12. Columbia University
  13. University of Notre Dame
  14. Duke University
  15. University of Chicago
  16. Washington University in St. Louis
  17. Emory University
  18. Cornell University
  19. University of Virginia
  20. Rice University
  21. University of Southern California
  22. Dartmouth College
  23. Ohio State University
  24. Vanderbilt University
  25. Johns Hopkins University

Let’s take a closer look at each of these schools as a study of endowments. Consider what each of these schools really has to offer.

 

1Harvard University – $53.2 Billion
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Harvard University has the largest university endowment in the U.S. It is easily recognized as an Ivy League school with much to offer as one of the richest universities in the world. The school has numerous endowments. The largest single-gift donor was John A. Paulson, an alumnus who donated $400 million to Harvard’s School of Engineering and Applied Sciences. Numerous donations of over $100 million have included gifts from David Rockefeller, Kenneth C. Griffin, Bill and Melinda Gates, and Emily Rauh Pultizer.

 

2University of Texas System – $42.9 Billion
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The University of Texas System has a heavy endowment history dating back to its founding in 1876. The funds here come from numerous donations including from Hearst Corp., Moody Foundation, and Mulva Family Foundation. The school uses these funds for many things including for the development of numerous schools including the establishment of the Bill & Melinda Gates Science Complex.

 

 

3Yale University – $41.4 Billion
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Yale, another Ivy League school, has received numerous donations to fund various endowments including $50 million from John C. Malone and $250 million from Charles B. Johnson. The funds, along with numerous other assets, help support scholarships, research and development, and other efforts.

 

 

4Stanford University – $37.8 Billion
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Stanford is recognized for its medicine, law, and engineering programs, as well as others. The school has a long history of financial support from alumni and other sources. Recent investments include Nike’s co-founder, Philip K. Knight who gave $400 million in 2016. The school uses the funds to support scholarship opportunities as well as for innovation development.

 

 

5Princeton University – $35.8 Billion
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As one of the oldest schools, having been founded in 1746, Princeton is well-recognized internationally especially for its arts programs, education programs, and medicine. The school receives donations for endowments routinely. Its largest comes from alumnus William H. Scheide in the form of rare books. Princeton’s endowments support a range of operational needs, but also research programs and arts programs.

 

 

6Massachusetts Institute of Technology (MIT) – $24.6 Billion
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The Massachusetts Institute of Technology is a world-recognized leader in science, engineering, and tech. It has routinely been supported through donations and endowments including $350 million from Stephen Schwarzman, Blackstone CEO and $250 million from the F. W. Olin Foundation. A great deal of its endowments goes to support the incoming students through scholarships. Research projects in higher education are also heavily funded using endowments here.

 

 

7University of Pennsylvania – $20.7 Billion
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Benjamin Franklin co-founded the University of Pennsylvania. It is a heavily business-oriented school. Large donations for the university’s endowments have come from many establishments. That includes Raymond and Ruth Perelman with a $225 million donation. It also receives $400 million in private donations annually. These funds largely go to support student scholarships and operations. It is one of the richest public universities.

 

8Texas A&M University System – $16.9 Billion
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Spanning 11 campuses, Texas A&M is one of the largest in the U.S. Fundraising has helped establish many of the school’s endowments including $740 million in fiscal year 2013 alone. This is a heavily science-based school with significant ties to the National Institutes of Health and NASA. Much of its funding goes towards scholarships and science research and development.

 

 

9University of Michigan – $17 Billion
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An early benefactor to the University of Michigan was the Ford Motor Company. Stephen M. Ross, the owner of the Miami Dolphins, contributed the largest single donation of $100 million. The school also does well with fundraising to help support endowments. It is generous with its scholarship opportunities from endowments. Other funds sustain operations and support research programs.

 

 

10Northwestern University – $14.4 Billion
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Northwestern, a school with significant real estate as assets, also has been gifted many times to establish its endowments. The school also has seen significant success from its Innovation and New Venture Office. Since it opened it, the school has seen $75 million per year in revenue from the program. This, along with private donations, help the school to fund research programs, its medical school innovations, and scholarships.

 

11University of California System – $28 Billion
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The University of California has numerous consistent donations each year to create and maintain endowments. This includes $500 million from BP. Individual schools also receive endowment and donations. Much of this goes towards the school’s research programs with scholarship support as well.

 

 

12Columbia University – $13.3 Billion
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Founded as King’s College in 1754, Columbia University has grown to be one of the most recognized. It receives donations routinely from alumni and private organizations. It also does well in its patent business. That brings in about $200 million annually to support endowment projects such as scholarships and operations.

 

 

13University of Notre Dame – $20.3 Billion
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This Catholic University has a long history of support. Its largest single donation came from Kenn and Pamela Ricci of $100 million. Other supporters included NetApp executives Tom and Kathy Mendoza and the Joan B. Kroc Institute for International Peace Studies program, founded by the McDonald’s founding family. Much of its endowments go towards tuition and mission programs. Some support science and research programs.

 

 

14Duke University – $12.1 Billion
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The endowment at Duke comes from numerous private donations. Many of them are an alumnus. The school’s largest benefactor is Washington Duke who donated the land for the school. It is known for its school of engineering and business programs. Much of its endowment goes to student scholarships. Others are focused on research and innovation programs.

 

 

15University of Chicago – $10.3 Billion
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John D. Rockefeller established the school with a $600,000 donation in 1890. Davie G. Booth, an alumnus, is the school’s largest benefactor. He gave $300 million to the school. Many of its endowments have gone to help support the schools of business and medicine. A new center for the arts also came from endowment funds. It is also one of the largest scholarship providers on this list.

 

 

16Washington University in St. Louis – $15.3 Billion
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George Warren Brown is the largest single donor provider at Washington University in St. Louis. Additional funds came from John M. Olin. This established the school’s library and business school. The endowments for this school are often from alumni. The funds support scholarships for new students. It also uses the funds heavily for research and innovation programs. Its medical school is well-recognized. Funding often goes towards healthcare improvement.

 

 

17Emory University – $11 Billion
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Emory University is recognized for its engineering fields. It also noted for its nursing programs. Many of the donations provided here go to these programs. Robert W. Woodruff, a former Coca-Cola president, is the school’s largest benefactor. Much of its endowments go right back into the development of new programs and research efforts. Scholarships get a good amount of the funds, too.

 

 

18Cornell University – $9.8 Billion
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Cornell has a strong legal program, business program, and Southeast Asian studies program. It is also a strong architecture school. Much of its worth comes from the land it owns. The school receives much of its endowments from alumni. Large benefactors included Samuel Curtis Johnson and Charles H. Dyson. Scholarships, research and development, and school upgrades have been large uses for endowment funds over the years.

 

 

19University of Virginia – $14.5 Billion
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Founded by Thomas Jefferson in 1819, the University of Virginia is one of the largest programs. It is also a World Heritage Site. It receives numerous donations including a $100 million gift from Frank Batten, Sr. A $2.5 million donation from Anheuser-Busch helped the school established the recognized National Social Norm Institute. Its endowment funds support many new programs. This includes operations funds, scholarships, other financial aid, and research programs.

 

 

20Rice University – $7.8 Billion
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Rice University’s first benefactor, William Marsh Rice, donated $4.6 million to start the school. A $50 million donation from John and Ann Doerr is the largest the school has received. The school has a strong reputation in areas of science and tech along with business. The endowment funds typically go to support operations, school launches, scholarships, and the development of new programs.

 

 

21University of Southern California – $8.1 Billion
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Recognized for film, engineering, medicine, and business. Its largest donations came from W.M. Keck Foundation with $110 million, Gordon S. Marshall, an alumnus, who donated $35 million, and the Price Family Charitable Fund offering $50 million. Endowments support student scholarships and needs. Some have also helped establish new schools and programs. This school also has a large research base.

 

 

22Dartmouth College – $8.1 Billion
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As one of the largest landowners in the state, Dartmouth’s endowment assets help to secure the school’s overall assets. The school has received large donations for endowments from many people. This includes Audrey and Theodor “Dr. Seuss” Geisel, Sylvanus Thayer, and Amos Truck. Funds typically help open new schools. The school also is generous with scholarship funds from endowments.

 

 

23Ohio State University – $7.4 Billion
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The Ohio State University has numerous benefactors, many of which are alumni. The school received a $65 million donation from Leslie and Abigail Wexner, for example. Much of the funds go towards the school’s impressive research programs. It has heavy science and medicine research and innovation schools. The school also offers scholarships to students for some of the endowment funds.

 

 

24Vanderbilt University – $10.2 Billion
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Vanderbilt’s numerous donations and endowments helped it to become the school of science and medicine it is today. It offers numerous impressive medical facilities to show for much of the donations it has received. Most come from private donors, without any single donation standing out. Alumni heavily support this school. It offers endowment scholarships and research program awards.

 

 

25John Hopkins University – $8.2 Billion
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Johns Hopkins, a known philanthropist, founded Johns Hopkins University in 1876. He did so with a goal of becoming a leading research school. That is exactly what it has become. It received many grants and awards for its innovative programs. Michael Bloomberg, former New York City mayor, donated $350 million to the school. Much of these endowments go towards the funding of research programs – it is the largest school in expenses for research programs in the world. Scholarships are available, too.

 

Guide Schools & Scholarships for Students with Disabilities

Facing challenges such as learning obstacles, physical differences, hearing loss, or vision impairment can make daily life more demanding. Moreover, pursuing higher education may present additional difficulties for individuals with disabilities. Fortunately, students in such situations have various support options to explore, which can aid them in navigating college life and managing associated expenses. Scholarships, specifically designed to assist those with disabilities, can be a valuable resource in this regard. In this article, we will explore the significance and benefits of scholarships for students with disabilities and how they can make a difference in their academic journey.

Rights of Students with Disabilities

Students with disabilities are entitled to several legally protected rights. While some are aware that these rights encompass protections against discrimination in the workplace and access to services during elementary and high school, not everyone realizes that they also extend to college students. Consider these acts 

The Rehabilitation Act of 1973. This is a crucial act that prohibits discrimination based on disability in schools that receive federal funds. This anti-discrimination provision can be found in Section 504, which also grants students the right to create 504 Plans during their elementary and high school years. It’s important to note that if a school accepts federal grants, it is legally obligated to adhere to this rule. 

Americans with Disabilities Act. The (ADA) is a significant piece of legislation. Under Title II of the ADA, individuals with disabilities are protected from discrimination by state and local governments, including public colleges and universities. Meanwhile, Title III requires public places, including schools, to provide necessary accommodations for disabled individuals, such as ensuring wheelchair accessibility. It’s worth noting that Title III also extends its protection to private schools that are not subject to Title II.

Does Your Condition Qualify? 

Many disabilities may qualify under Section 504 or the ADA. However, not all do. The ADA defines a disability as “as a physical or mental impairment that substantially limits one or more major life activities.” The Rehab Act defines it as “has a physical or mental impairment which substantially limits one or more major life activities.” The act further explains that this can include loss of a body part, neurological conditions, mental and psych disorders, and even endocrine disorders. 

So does your disability qualify? Here is a list of disabilities that may be protected by one or both of these laws. It may not be exhaustive, so students may wish to talk to a disability rights advocate to determine if they have protection:

  • Deafness or hearing loss 
  • Blindness or vision loss 
  • Medical conditions like diabetes, cancer, HIV infection, or epilepsy 
  • Autism 
  • Dyslexia, ADHD and other learning disabilities 
  • Intellectual disabilities 
  • Missing limbs 
  • Multiple sclerosis 
  • Muscular dystrophy 
  • Bipolar disorder, schizophrenia, and other psychological conditions 
  • PTSD 
  • Mobility problems 
  • OCD 
  • Cerebral palsy 
  • Tourette’s Syndrome and other neurological disorders

Telling the School About Your Disability

To receive the necessary support from your school, it’s important to disclose your disability. If you’re seeking financial aid related to your disability, proper documentation may be required. Fortunately, financial assistance is available to those who qualify. Here are some useful tips to help you along the way:

Discuss Your Need with the Admissions Professional

Initiate a conversation with your admissions counselor, informing them about your disability and any accommodations you may require. They can guide you to the appropriate resources within the school. 

Submit Medical Documentation

Obtain relevant documents from your doctor that confirm your disability. These documents may be necessary for both the school and any scholarships you apply for.

Submit High School Plans for Services

If you had an Individualized Education Plan (IEP) or Section 504 plan during high school, consider submitting them to the school. While they may not replace proof of disability, they can provide insight into the assistance you may need. 

Ask for Help Early

Request assistance and submit the required documents early in your application process. This allows the school sufficient time to evaluate the accommodations you may require and gives you the opportunity to obtain additional documents if necessary. 

Distance Learning with a Disability

Distance learning can be highly beneficial for students with special needs as it offers the opportunity to take classes from the comfort of their homes using a computer. This setup allows for breaks and flexibility in scheduling, catering to individual requirements. Moreover, the challenges of physical accommodation on campus or the difficulties of travel with a disability are eliminated.

Despite its advantages, distance learning may pose certain challenges for students with special needs. Some schools may not always be readily equipped to assist online students effectively. Additionally, not all distance learning platforms are designed to be disability-friendly. To address these issues, schools must ensure the use of technology that is compatible with assistive devices, such as readers for visually impaired students or closed captioning for those with hearing impairments. Making distance learning accessible to all students is essential for promoting inclusive education. 

Helpful Accessibility Apps

Some apps can help make it easier for students with unique needs to pursue their education. Consider these:

  • Speak It! This text to speech app lets non-verbal students type words the app speaks for them. 
  • Dragon Anywhere. This app helps students who struggle to write. It translates spoken words into written text. 
  • Talking Calculator. This app turns the phone into a talking calculator, which works great for visually impaired students. 
  • Voice Dream Reader. This tool scans text and reads it to the student, which helps students with reading and vision challenges. 
  • Petralex. This app amplifies sound for hearing impaired individuals. 

Federal Disability Benefits That Could Help Pay for College

Students who are recipients of Social Security Disability benefits can continue to receive them even while attending school. However, it’s important to note that SSDI is typically provided to individuals whose disabilities prevent them from working. The Social Security Administration may assess whether a college student who can attend classes is also capable of holding a job. While students who reside with their parents and are enrolled full-time in college may still qualify, others might not meet the eligibility criteria. If you receive SSDI, you have the flexibility to utilize the payment for various expenses, including college-related costs. 

The Importance of Financial Aid for Students with Disabilities

Living with a disability can result in increased expenses, as regular doctor’s appointments and the need for assistive devices can add to daily living costs. However, financial aid can provide crucial support for students with disabilities, enabling them to overcome these challenges and pursue their educational aspirations. It’s important to note that financial aid options are available for those who meet the qualifying criteria, offering valuable assistance in managing the financial burden and making education more accessible for students with disabilities. 

Getting Help with Your Scholarship and Financial Aid Form

For students seeking assistance with filling out scholarship applications, FAFSA, or other financial aid forms, reaching out to the financial aid office at their school or their high school’s guidance counselor is advisable. These professionals are equipped to offer the necessary support and guidance needed to navigate the application process successfully. 

Other Financial Aid Options for Students with Disabilities

Students with disabilities have the opportunity to apply for various types of federal student aid to assist with their higher education expenses. The U.S. Department of Education offers federal student loans and grants that can provide essential support to eligible students. Some of the available options include: 

Additional Resources

Students with disabilities who need additional help with school or want more info about potential scholarships should contact these groups.

  • American Association of People with Disabilities. AAPD has a wealth of resources for disabled students. They have advocates who argue for disability rights and support networks for people with disabilities. Students can take part in summer internships.
  • Easter Seals. Easter seals help adults and students with disabilities find services. They can also assist with getting students properly diagnosed. 
  • The Arc. The Arc serves people and families touched by intellectual and developmental disabilities, including 100 different diagnoses. This advocacy group provides employment programs and education support. 
  • Special Needs Alliance. This network of attorneys provides help for students and adults with a documented disability who need to understand their rights under the law. 
  • Comprehensive Transition Programs. These programs give students with intellectual disabilities help with the entire college process, from admissions to coursework. This is a federally funded program that students apply for through the participating school. 
  • National Center for Learning Disabilities. The NCLD provides help, support, and funding for people living with learning disabilities.

Scholarships for Students with Disabilities

If your disability qualifies for financial aid programs, there are a number of scholarships for students with disabilities to consider to help you pursue your career goals. These scholarship opportunities are a good place to start for financial assistance. 

Attention Deficit Disorder

  • Rise Scholarship Foundation Inc. This scholarship offers a $2,500 scholarship to students with ADHD or ADD who also have one additional learning disability. This scholarship is awarded annually and requires applicants to maintain a 2.5 grade point average.
  • Anne Ford Scholarship. This scholarship provides an annual award of $2,500 for four years. It is available to eligible high school senior students with ADHD or another documented learning disability. To qualify, students must be enrolled in a full-time, four-year degree program at an accredited school. The application deadline typically falls in the fall. 

Autism Spectrum

  • Avonte Oquendo Memorial Scholarship for Autism. was established in memory of an autistic boy who went missing in 2013. The Perecman Firm, a law firm, initiated this scholarship, offering $5,000 annually to autistic individuals or family members of someone with autism. The application deadline is July 31.
  • Kelly Law Team Autism Scholarship. Open to all individuals with autism, offering two $1,000 awards from the firm. To apply, candidates need to submit an essay detailing how they would utilize the scholarship. The selection process involves online voting, and the essay with the most votes receives the award. The deadline for essay submissions is December 20.
  • Making a Difference for Autism. This scholarship is available for both high school and college students with autism. This $500 scholarship is awarded multiple times throughout the year, and students have the opportunity to apply more than once. The application deadline is in April.
  • Organization for Autism Research. This offers a $3,000 award for students on the autism spectrum who are enrolled as full-time students. The next application cycle is set to open in December 2023.
  • Dan Archwamety Scholarship. This offers a $3,000 award for students on the autism spectrum who are enrolled as full-time students. The next application cycle is set to open in December 2023.

General Disabilities

  • INCIGHT Scholarship. The INCIGHT College Scholarship is available to eligible students in WA, OR, or CA who have any ADA, IDEA, or DSM-V defined or protected disability. To retain the scholarship, students must complete 30 hours of community service. 
  • AAHD Frederick J. Krause Scholarship on Health and Disability. This is designed for students with disabilities who are pursuing a full-time undergraduate program or a full or part-time graduate degree. Applicants must be at least college sophomores at the time of application, and the scholarship award is $1,000.
  • AbbVie Immunology Scholarship. This group offers up to $15,000 in financial support to students who are living with inflammatory diseases, such as Crohn’s disease. The application period for this program will begin on October 24, 2023.
  • Student Award Program of the Foundation for Science and Disability. This award of $1,000 is given to fourth year undergrad students or graduate students. Students must be studying STEM or computer science and must have a disability to apply.
  • John Lepping Memorial Scholarship. This scholarship is specifically intended for students with disabilities. To apply, students need to submit an essay describing their disability and how it has financially impacted their family. Eligibility is limited to residents of New York, New Jersey, or Pennsylvania. The award amount can be up to $5,000.
  • BMO Capital Markets Lime Connect Equity Scholarship. This scholarship offers a $10,000 education award and is merit-based, available to students with any type of disability. To qualify, students should be enrolled in four-year degree programs related to computer science, business, or a STEM field.

Hearing Impairment

  • Anders Tjellstrom Scholarship. This award of $2,000 per year is open to students with Baha System implants. A GPA 3.0 GPA (unweighted) or above is required.
  • Graeme Clark Scholarship. Students with cochlear nucleus implants can apply for this $2,000 award.
  • Linda Cowden Memorial Scholarship. This one time $1,000 award is for deaf or hard of hearing students. They must be preparing to work in the hard of hearing community and live in middle TN.
  • Sertoma’s Scholarship for the Hard of Hearing or Deaf. This is one of the top awards for hearing impaired students. To be eligible, students must have a minimum of 40dB bilateral hearing loss and be enrolled in a full-time bachelor’s degree program. The scholarship offers a generous $1,000 award. 

Learning and Cognitive Disabilities

  • P. Buckley Moss Foundation for Children’s Education. This award is for students with language related learning disabilities who wish to pursue college education in the arts. The $1,000 award is based on financial need. 
  • Guthrie Koch Scholarship. This award is for students who have PKU and control it with a low protein diet. It is open to undergrad students.
  • Allegra Ford Thomas Scholarship. This scholarship fund awards $2,500 a year for two years to students attending community college with a learning disability. The deadline is in the fall.

Physical Disabilities

  • 1800wheelchair.com Scholarship. This $500 award goes to students who use wheelchairs or power chairs for mobility. The student must apply by May 30. No specific disability is required. 
  • Disabled Student Scholarship. This $500 award is offered to any student who has a debilitating condition and wishes to pursue education. A physician’s statement of the diagnosis is needed to apply.
  • Karman Healthcare Mobility Disability Scholarship. Students who use mobility devices due to their disability can apply for this award. They must write an essay and apply by Sept. 1. A GPA of 2.0 or higher is needed. The award is $500. 

Tourette’s Syndrome

  • Dollars 4 Tic Scholars. This program through the Kelsey D. Diamantis TS Scholarship Family Foundation awards at least one $1,000 award every year to a student with Tourette’s Syndrome. The program has two application deadlines each year, one in the fall and one in the spring.
  • Kenny’s Dream Foundation. This scholarship provides up to $1,500 for college expenses for students with TS. Applicants must have a doctor’s diagnosis of the disorder.

Vision Loss and Blindness

  • Fred Scheigert Scholarship Program. The Fred Scheigert Scholarship Program awards $3,000 to three students with visual impairments. Students can apply between Jan. 1 and March 15. This is a highly competitive award and requires a phone interview. 
  • American Foundation for the Blind. AFB offers multiple scholarships for legally blind students ranging from $2,000 to $7,500.
  • National Federation of the Blind. This group has merit scholarships for blind students ranging from $3,000 to $12,000.
  • Lighthouse Guild. The Lighthouse Guild awards 17 students with blindness or low vision up to $10,000 to use for undergrad or graduate training. The award is based on academic merit.
  • American Council of the Blind Scholarship. ACB offers a scholarship program that awards between $2,000 to $7,500 for students who are legally blind. They must maintain a 3.0 average and be a full time student.

Schools for Students with Disabilities

While schools are required under the ADA to be accessible for people with disabilities, not all are as disability friendly as others. These are some schools to consider based on disability.

Attention Deficit Disorder

ADD/ADHD requires special tutoring and services, which can be found at these schools:

 

Southern Illinois University Carbondale

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A robust disability services program makes SIU Carbondale perfect for students with ADD and ADHD. It has a robust list of majors, including bachelor’s, masters, and PhD degrees. Degree programs include:

School Details:

  • HLC Accredited 

Disability Programs 

Autism Spectrum

These schools embrace neuro diversity: 

 

Drexel University

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Drexel University offers a wide range of social skills services to students with autism. Its Disability Resources department strives to help disabled students have a positive college experience. The school has over 120 graduate degree and certificate programs and 80 undergrad degrees. Programs include: 

School Details:

  • MSCHE Accredited 
  • Online Degree Programs: BS, MS 

 

Daemen College

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Daemen College has a disability support service specifically for autistic students. This small, suburban school has a strong focus on the healthcare field. It has multiple majors, including these: 

  • Visual and Performing Arts (BA) 
  • Business Admin (BS) 
  • Social Work (BA) 
  • Health Promotion (BS)
  • School Details:
  • MSCHE Accredited 

Disability Programs

 

General Disabilities

The disability support at these schools aims to help students with varied disabilities: 

 

University of Arizona

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University of Arizona may be a great option for disabled students. It has over 250 undergrad programs as well as master’s and PhD level programs. Some of the degree programs include: 

  • Bio Chem (BS) 
  • Engineering Management (BS) 
  • Accounting (BS) 
  • Business Admin (BS)
  • School Details:
  • HLC Accredited 

 

Disability Programs

 

Hearing Impairment

Students who struggle to hear may find these schools accommodate them well:

 

Gallaudet University

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Gallaudet University has specific programs for students with hearing impairment, with all courses taught in both spoken English and signed English. It is the only university that targets deaf students specifically. Other disabilities are also accommodated, and hearing students are welcome. Degree programs include: 

  • American Sign Language (BA) 
  • Education (BA) 
  • Psychology (BA) 
  • Theatre Arts (BA)
  • School Details:

 

Midwest Institute

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Admission Requirements:

  • High school or GED considered but not required
  • Admission Rate: 100%
  • Grad Rate: 90%
  • Average Annual Cost: $16,645
  • Median Salary After Completing: $16,700 to $29,119
  • Dental Assistant
  • Medical Assisting
  • Massage Therapy
  • HVAC

 

Learning and Cognitive Disabilities

Learning differences require additional support at school, and these schools have risen to the challenge: 

 

University of Iowa

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Students with learning disabilities may achieve a Big Ten college experience through the University of Iowa. This school has a disability program for cognitive disabilities that focuses on career training. Undergrad degree programs include: 

  • Civil Engineering (BSE) 
  • Public Health (BA) 
  • Secondary Ed (BS) 
  • Sports Studies (BA)
  • School Details:

Disability Programs 

Physical Disabilities

Navigating a campus with a physical disability is challenging, but these schools strive to make it easier: 

 

University of California Berkeley 

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UC Berkeley has recently performed campus improvements to make its campus more wheelchair friendly. This means students with physical disabilities can get around campus easily. This school has over 350 degree programs across 184 departments. It holds the distinction of 31 alumni who earned Nobel Prizes. This school has many undergrad degree programs, like: 

  • Social Welfare (BA) 
  • Environmental Science (BS) 
  • Business Admin (BS) 
  • Bio Engineering (BS) 
  • School Details:

Disability Programs 

  • N/A

 

Tourette’s Syndrome

Though there are no specific programs for students with this condition at any colleges, students with Tourette’s Syndrome could find excellent support at: 

 

West Virginia Wesleyan College

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West Virginia Wesleyan has 56 undergrad majors for students to consider. It also has four master’s programs and a Doctor of Nursing Practice option. Many programs to assist students with special needs as well as Mentor Advantage Program tutoring services could help students with TS get off to a good start. Degrees include: 

  • Exercise Science (BS) 
  • Business Administration (BS) 
  • Physics (BA) 
  • El Ed (BS)
  • School Details:
  • HLC Accredited 
  • Online Degree Programs: BS, BA 

 

Disability Programs

  • The Learning Center
  • Mentor Advantage Program

 

Vision Loss and Blindness

These schools offer good accessibility for students with vision loss and blindness: 

 

Missouri State University

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Missouri State University has 102 bachelor’s programs, 61 master’s programs, and 7 doctoral programs. Its Disability Resource Center keeps visually impaired students well informed about things that affect their navigation of campus. Undergrad programs at this school include: 

  • School Details:
  • Online Degree Programs: Doctoral, MS, BS 
  • HLC Accredited 

Disability Programs

  • TRIO Student Support Services 
  • Disability Resource Center

 

 

University of Connecticut 

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UConn has a large campus with a small student to faculty ratio. The Center for Students with Disabilities helps modify the campus when needed for students with visual impairments. The school regularly has over 1,000 students with this disability. It has 14 schools and over 100 undergrad majors, including: 

  • School Details:
  • NECHE accreditation 
  • Online degree programs: MS

 

Disability Programs

  • Center for Students with Disabilities 

Vote By Mail Common Issues

Vote By Mail Common Issues

As Americans are preparing to vote by mail in large numbers in the 2020 Presidential Elections, we wanted to make you all aware of the many vote by mail common issues. This year is different than any other election. The COVID-19 pandemic as a whole are changing the way people want to vote. Some states are working to make it possible for more people to vote using mail ballots. No matter who you plan to vote for, it is important to know how to ensure your vote counts.

Many Republicans and Democrats want a fair election. Many have pushed to ensure registered voters have access to polling places and mail voting. The U.S. Postal Service is working to ensure ballot applications and absentee ballots allow for early voting in a fair manner. 

Yet, many of the vote by mail common issues come from simple mistakes that voters make. Human error is a big factor in why your vote may not make the count. This may be even more common if you have never voted before and are unsure of the process. That is why it is so important for you to take the time to follow the rules as closely as possible. Become familiar with the process. Read through your state’s requirements. These are simple things to do to help protect your vote.

First, not all states are allowing mail in voting as a result of the pandemic. Many have rules about who are eligible vote. Make sure you are a registered voter before you request a ballot, for example. The key to remember is it is possible in most states to vote from home. Yet, you need to know the rules and timelines for doing so.

Vote by Mail Mistakes That Cost

Many election officials want each and every vote to count. This applies to the general election. It also applies to any local election.& Many locations have very specific voting rules. This includes for in person voting. These rules may work to reduce voter fraud.

To make sure your vote counts for the November Election, follow the guidelines of the state’s Secretary of State when it comes to mail elections or in person elections. Most importantly, try to avoid these common mistakes.

Improperly Filled Out Ballots

Fill out the ballot accurately, completely, and properly. Many voters receive a package of information that outlines the process and procedures. Each state is a bit different. Follow the requirements and information set by your state. 

Mistakes in filling out ballots may be numerous. Not completing the ballot is one of them. Another is getting the ballot dirty or allow it to be damaged. Fill it out on a flat, clean, dry surface. Remove all risk of spills when possible. Read through all of the instructions as a next step. 

Ballot technology needs to be able to pick up on the selections you choose. These machines – which may work a bit like those old tests called Scantrons you took in grade school – need to pick up on the color and position of your marks. That is why you may have instructions telling you what color or type of ink to use. Using red ink or marker may be a key problem with these. 

Make sure you keep those marks within the box. Avoid making any marks outside of these boxes or areas. Stray marks on other areas may cause confusion. 

Only fill in the right spaces. For example, only fill in one box in a multiple choice question or area. If you fill in two, or leave a stray mark in one box and fill in another, that may cause confusion. That may mean your vote does not count. 

What happens if a ballot does have mistakes like this?

Many states use canvassing boards. These are people who may make decisions by looking at the ballots by hand. This is important for many reasons. When a person uses an in person voting system, called a tabulator, it immediately shoots back a ballot that is not filled in properly. It kicks it back to the voter. The voter then may make decisions or fix it. You know there is an error. This does not happen with mail in voting. There is no way to know the problem until it goes through the system at the voting office. There is no second chance opportunity to fix these mistakes. 

The best rule – take your time to ensure you use the right ink, fill in just the area you should, and protect that ballot from any damage.

Signing the Envelope

Another potential problem with ballots has to do with signing the actual envelope. States go through a process to verify that the ballot is legitimate. They need to be sure the right person is casting the ballot. To do this, they verify information. One part of that is having the voter sign an affidavit.

Every state has rules for the affidavit. It is generally located on the outside of the envelope. This is the envelope that holds the mail ballot. This signature means that the person submitting the ballot is affirming their identity. They are also stating they are eligible to vote in this election. 

It is sometimes common for these signatures to be missing. If they are missing, the ballot may not be cast for you. Remember, this is an additional signature that is noted on the outside of the envelope. It is not just the signature required inside on the application.

Signatures That Do Not Match

In a primary election like this, details matter. Many times, mistakes are made in how voters sign their ballot. When mailing ballots, the signatures on the interior of the ballot and on the ballot’s envelope must match. If they do not, that may be an indication of fraud to the voting officials. Sign the ballot in the same way every time. 

In addition to this, many states have systems in place to double check signatures. This is not just on the ballot received but also going further back. They may check the ballot’s signature to the one on file with the election board or county clerk’s office. Some may check the ballot signature with the one on the absentee ballot application provided. Some may use other government files or systems to determine if they match. This may include the Department of Motor Vehicles or other government agencies. 

The belief is that matching signatures like this helps to verify the authenticity of the ballot. In some situations, states go further. They may make it necessary for a voter to verify his or her signature. This may be done, for example, by requiring one or two witnesses to sign the document. These people should be over the age of 18. In some cases, a notary public or other official witness must sign the absentee ballot. 

Why So Many Rules?

These rules aim to help make submitting votes safer. Yet, this added security may increase the risk of mistakes that may lead to a vote not being counted. Sometimes, they are not rejected. Rather, the election officials may challenge them. This means the officials want more information or verification of the accuracy of the voting. 

It may be more common for younger voters to have problems with this. You may struggle if you sign your name in different ways, for example. If you do not have any experience with signing official documents, that may also make it a bit harder to complete this form with confidence. 

Some states do have a cure process. This allows the voter a chance to correct the problem with their signatures. This may allow their ballot to be counted. However, if there is limited time, that may not be possible.

Voters Fail to Provide Necessary Documentation

Some states require voters to do a bit more work to obtain their absentee ballot and to submit it for it to be counted. Mail balloting is not always a simple process. When it comes to mail, states differ on these requirements. Use the resources below to verify what your state requires to minimize the risk of problems reported by elections officials. 

As noted previously, some states require voters to submit their ballots with witness signatures as well. Some also require identification to be sent in with the ballot. This may include a photo copy of a state-issued identification. It may include submitting information about Social Security numbers – such as the last four digits of the number – with the application. In other cases, a driver’s license or state ID number must be submitted. 

A mistake some people make is not knowing these requirements. If a voter makes a mistake with his or her driver’s license number, for example, that may lead to a challenge or rejection of the ballot. Small mistakes like this may be costly to you when voting. 

Missing Deadlines for Sending the Ballot Back 

States set the rules for when absentee ballots must be returned. Some states have elections officials go through the applications to verify signatures. That takes time. That means voters must return the absentee ballots in enough time to allow that to be done. Also, if there is a challenge to a ballot, there needs to be some time to allow for the ballot to be returned. Then, the voter has to cast another ballot. Or, he or she may need to supply other details. That, too, takes time. 

A key mistake then is not following instructions for returning the document. Many applications for ballots as well as the ballots themselves have instructions on how and when to return ballots. Some states have rules about using universal mail. Delays with the post office may also make it hard for voters to cast a ballot in time if they wait too long. 

Tight deadlines are a critical factor. If you plan to vote, be sure this information is understood. The postmark on your ballot has to be within the specifications set by the state. Doing this before that date may be helpful, too, to help avoid any delays related to the post office.

Voter Mistakes & Statistics You Should Know

To help you get ready to vote, consider a few of the key statistics about voting by mail as well as voting in general. Avoid all of these vote by mail common issues!

Vote by Mail Policies for Your State

If you plan to vote in the presidential election, be sure to check your state’s specific rules. States allow voters to place their vote in various ways. You should still know about voter registration and absentee ballot requests. 

Here is the link to each state’s rules. You may also verify it through the National Conference of State Legislatures:

How Much Do College Professors Make?

How Much Do College Professors Make?

Ever wondered about the earnings of college professors? If you’re considering a career in teaching, you might be curious about their income. According to the U.S. Bureau of Labor Statistics, the median wage for professors stands at $83,980 per year, as of May 2023. However, several factors influence a professor’s salary, such as their experience, training, and educational background. While salary range is essential, it’s not the only aspect to consider when delving into the world of professorship. Many professors go above and beyond, engaging in scholarly article publications and conducting research. Those who complete graduate school often earn at the national average mentioned above. So, how much do college professors earn?

Types of College Professors

Many people do not know there are numerous types of college professors. They range based on the type of work they do. They also range based on their experience and how long they have worked for the school. Here are some types of college professors. 

Law Professor

Annual Median wage: $127,360

Law professors have a primary focus on teaching law, which encompasses various aspects, such as social justice and political science. Becoming a law professor typically involves earning a Juris Doctorate (JD) degree from a reputable law school and passing the bar exam. Some may have graduated from renowned law schools, while others might have a background in legal practice. Many law professors engage in publishing law reviews and contributing to legal journals as part of their academic endeavors. 

Economics Professor

Annual Median wage: $115,300

Economics professors primarily specialize in teaching business courses, with a particular emphasis on economics. In many academic institutions, a Ph.D. is often a requirement for individuals to become economics professors. These professors typically possess extensive experience in the field, often having worked as economics educators for a considerable period before assuming professorial positions. Many of them have also contributed to the field through publications in recognized economic journals and publications. 

Engineering Professors

Annual Median wage: $106,910

Engineering professors typically specialize in specific areas of engineering. For example, some may be civil engineering professors, imparting knowledge about the construction industry and city planning. Their expertise could encompass roads, airports, water supply systems, and other related fields. On the other hand, mechanical engineering professors may teach math and physics courses while also engaging with computer design and programming. Their role involves guiding students in understanding machine construction. Becoming a professor in these disciplines often requires a Ph.D. qualification. 

Health Specialties Professors

Annual Median wage: $105,650

Health specialties professors teach at all levels of health care science and medicine. Most of the time, these professionals hold a medical degree and license. (That may include an MD, MBChB, MBBCh, DO, MBBS, or BMBS). Many could also have some experience working in the field. They often have education credits to their name as well. Most often, schools require these professors to have experience. 

Science Professors

Annual Median wage: $100,690

These professors often specialize in specific fields, such as earth science, atmospheric science, or marine science. With extensive education and research background in their respective areas, they bring a wealth of knowledge to their students. Geoscience professors, for instance, typically hold a PhD, indicating their involvement in the research aspect of their field. Many academic institutions seek professors with published research projects, reflecting their active contributions to the scientific community. Moreover, some of these professors may also possess practical experience within their field, further enriching their teaching approach. Years of educational experience contribute to their expertise, making them valuable mentors for aspiring students. 

Physics Professors

Annual Median wage: $98,020

This is another science type of professor. These teachers will often teach at a higher level of science. They tend to have more advanced training, but also more working knowledge in these fields. This may include a nuclear or quantum science degree. Others may work in astro physics. Hands on experience is helpful. Most important is having a research study or to be published for scientific findings to work as a physics professor. Many may also have a PhD in their selected field. 

Architecture Professors

Annual Median wage: $105,770

Architecture professors may have worked in this field in some form for years. Some may hold a PhD in this area. This type of instruction is heavily science and math based. That is why this type of teacher often holds an advanced education in these areas. Some are published. Others are known for their innovation and successful projects. 

Business Professors

Annual Median wage: $97,130

Business professors are often versatile. They may teach a range of different aspects of business. Some may concentrate in one or more areas. This may include business management or marketing. Finance and accounting professors are also very focused. Many business professors have advanced degrees. This could be a Doctor of Philosophy (PhD) degree or a Doctor of Business Administration (DBA). It also may be common for business professors to have working experience in some area. Many of these teachers could be published in academic journals. They often have a significant amount of experience in public events or academic conferences. 

Computer Science Professors

Annual Median wage: $96,430

Computer science professors work with students teaching programming and software engineering. They often have a lot of skills in this area from their own studies. Many may have a PhD. Some could have worked for industry leaders. They may have concentration in areas of information technology. Others may have experience in computer engineering solely. These professors may also be some of the leaders in their field.

Biology Professors

Annual Median wage: $83,920

These professors teach in areas like biology or zoology. They may often be published in research reports or may have conducted research studies. They may focus in specific areas of biology, though some are more general. Often, they hold a PhD. Biology instructors are often involved in research. Research grants and programs may help make this possible. Others might work with post doctoral fellows.

Chemistry Professors

Annual Median wage: $85,810

Chemistry professors may be very focused. Some focus on areas of macromolecules. Others are stereochemistry specialists. Still, others focus on biopolymers. These teachers often have advanced education and often are published. They may engage in research at the school they teach at on a routine basis. They may often be published in scientific journals. Many are involved in an ongoing basis. Some have industry expertise from having worked in the field. Many are education based.

Psychology Professors

Annual Median wage: $82,140

These professors teach psychology. This requires them to have advanced education in this area. Most may have an advanced teaching degree. However, many also have field experience. They may have worked in a clinical setting. Others are focused on the lab elements of psychology and research. Many are published in scientific or medical research studies. In their university positions, psych professors often run studies and participate in publications.

Sociology Professors

Annual Median wage: $82,670

These professors work in both the sciences and in psych. They often provide education to students on a path towards sociology, but also work with students in related fields. Many will be published in papers and working to continue to do this on an ongoing basis. Many are actively engaged in research. Their students often participate in it. Some will engage in field work especially in underdeveloped areas. Many have a working history in these fields.

Philosophy Professors

Annual Median wage: $79,930

These professors may focus on religion while others focus on strictly philosophical studies. They may also work in areas of business ethics and metaphysics. Often, these professors may have a strong history in research. They may become experts in one or more areas and generally focus in these areas. Philosophy professors are always exploring new thoughts and methods of doing things. That is why they have such a varied line up of courses to teach. They do a good deal of their own research and publishing as well.

History Professors

Annual Median wage: $82,140

History professors teach history courses, but also often teach areas related to this. Some will work in the field, such as in museums or even archaeology. Others will work in historical societies or hold memberships in them. They could become experts in history, often in a certain area or type of history, but many are also dedicated to research. Many history teachers are diverse in their knowledge base. They may publish books or articles on areas that are important to them or where they concentrate.

Nursing Professors

Annual Median wage: $80,780

Not all nursing instructors hold the position of professor. Many universities hire nursing professors for both hands on education and lecture related to medicine and nursing practice. They may work with undergrad or grad students. Often, nursing professors must hold a registered nurse (RN) degree. They may need a license as well. Many may continue their education to earn a doctorate degree. Some professors in this field publish in scientific papers. Others work to develop new technology or innovations in the field. Nearly all may have some level of on the job experience.

Math Science Professors

Annual Median wage: $81,020

Math professors focus their education in math and mathematical sciences. They may teach everything from beginning levels of math to in depth, advanced topics. Many will concentrate in one or more areas. This may include areas as far reaching as automorphic forms and game theory. Many math teachers are often working to advanced their field through research. Some are published.

Social Sciences Professors

Annual Median wage: $77,750

These professors often teach courses, but may also engage in research studies on college campuses. In addition to this, many also have significant fieldwork experience. Some may also engage in social science research in underdeveloped areas. They often have a PhD but continuing education is usually a part of their work.

Communications Professors

Annual Median wage: $79,910

Those working as a communications prof may teach a range of courses. This could include areas of public relations. It may include broadcasting or journalism. Many may have some level of media communications skill. In addition to this, most communications profs will have working skills and some experience in the field they focus in. 

Art and Music Professors

Annual Median wage: $80,360

Those working in the area of music, arts, and performance may have a significant amount of experience in the field. They may teach a range of subjects, such as theater or vocals, but many professors will focus in one or more areas. They often work hand in hand with students.

English Professors

Annual Median wage: $78,130

These professors teach various areas of English studies. This includes language and literature. They may also focus in areas such as creative writing or critical theory. Many will also have advanced studies and experience in the field. They often hold doctorates. Research may not be heavy in this area, but continuing education might be.

Education Professors

Annual Median wage: $73,240

Education professors teach new teachers. They teach undergraduate students and some masters programs. Some also hold a philosophy in education degree. Many are published in some way, often in educational methods. They may have experience working as educators.

Levels of Professors

Teaching higher education may be complex. While looking at university professor salaries is important, it is also important to consider the level of the professor. This could indicates the type of work the professor does and his or her experience. Here is a list of professor levels. They differ by school. A community college may use a different term.

Adjunct Instructor

Adjunct instructors often teach entry level courses. This may also be called a part time lecturer or part time instructor. Many do not receive a full time salary or benefits. They may work less often in their college program. Many will have additional jobs outside of the college setting. These instructors may go on to more advanced teaching later.

Graduate Teaching Assistant

A graduate teaching assistant is a GTA. They tend to work much like an adjunct instructor. The difference is that they are students themselves. Many will be in a master’s program. Some graduate programs offer students a stipend. This may help covers the cost of tuition and pays a small wage. In return, they may teach one or more classes. These are not full time faculty members.

Visiting Professor

A visitor professor is working temporarily at the school. They may be called a visiting researcher. Sometimes they are called a visiting scholar. The term differs based on the school. Some schools use these pros to help them offer a new perspective for students. They may collaborate with other students. In the U.S., it is common for visiting professors to be from another country. This is not always the case. Sometimes, professors on sabbatical may still take appointments as a visiting professor.

Assistant Professor

These individuals support the work of a professor. They tend to not work full time. They may help in areas of conducting research. Others may work with students directly. Working as an assistant professor could be the first step towards tenure. These are usually hard to get jobs. Many times, assistant professors already hold a doctorate degree.

Associate Professor

These are generally tenure seeking professors. This is often a tenure track position. It falls between assistant and full professorship. This may differ from one school to the next. Many professors reach this level when they achieve tenure. This may take up to seven years to complete. Publications and research are a part of the process. These are often full time faculty. They may earn faculty salaries.

Full Professor

Full professorship may often be earned after years of holding an associate level of tenure. This is generally the highest promotion for tenure track professors.

Endowed Professor

These professors may also be called an endowed chair. It is a type of honor given to a faculty member. This typically is due to the research carried out by the professor. 

Distinguished Professor

This is a title given to a top tenured professor at the school. They are often some of the most well respected in their field. Years of experience matters in this field. Private colleges often have these types of professors.

Can You Get into College with a GED? Here’s What You Need to Know

Can You Get into College with a GED?

Here’s What You Need to Know. Let Us Help You Get Matched For FREE!

CAN YOU GO TO COLLEGE WITH A GED?

Is it possible to get into college with a GED? Absolutely! Many colleges and universities accept students with a GED. Despite the misconception that a traditional high school diploma is the only path to college, having a GED opens doors to higher education. Of course, you’ll need to meet the other admissions requirements of the college you’re interested in attending. Additionally, you may also be interested in trade schools that don’t require a high school diploma or GED.   

Does a GED Affect College Acceptance? 

The impact of earning a GED instead of a high school diploma on college acceptance can vary depending on the college you are applying to. The GED is generally recognized as a high school equivalency, but what truly matters is meeting the specific admissions requirements of the school and making yourself stand out as an exceptional applicant. 

Nonetheless, your GED score can indeed play a role in the acceptance process. Scoring a passing grade of 145 on each test subject is essential. However, if you score between 165 and 174, you are considered “GED® College Ready,” which indicates that you possess the necessary skills to excel in college. Furthermore, scoring between 175 and 200 is classified as “GED® College Ready + Credit,” suggesting that you likely already have a grasp of some of the skills taught in college courses. As a result, you may be eligible to receive college credit for your prior knowledge and abilities. It’s important to note that having a higher GED score doesn’t guarantee college acceptance, but it can certainly be a positive factor in the evaluation process. 

What if You Have a Low GED Score?

If you have a low GED score, you could test again to try for a higher score. If you didn’t pass a subject test, you get two retests. If you fail the third test (and beyond), you have to wait 60 days before trying again. Your state may have other rules, too. Even if you passed all your subject tests, you are allowed to retake them to improve your score. GED prep courses or practice tests could potentially help you boost your score.  

Are College Admission Requirements Different With a GED?

Often, applying with a GED does not have different admissions requirements. Except the GED itself, of course. You will have to submit your scores along with your high school or prior college transcripts. Some schools may only accept GED applicants who took the GED in the same state as the college.

Your school may also require or suggest that you take extra steps to prove you are college ready. Like, earning a certain number of credits at your local community college to show you can do college coursework. You may need to submit standardized test scores, like the SAT or ACT – even if that’s not required for all students. Always check with your prospective college about the admissions process for applying with a GED.

Am I Eligible for Financial Aid if I Have a GED? 

You may apply for federal financial aid with a GED. That doesn’t guarantee you will get financial aid. You must meet other eligibility requirements, too. Financial aid may be available to those who qualify. But, a GED is considered acceptable proof that you are qualified to pursue federal aid for college. Or career school.

Wondering about your school’s financial aid programs? Check with them, directly. 

Finally, you may be able to apply for scholarships for students who have a GED. There are plenty of scholarship programs out there. Some may be designed to help students who took nontraditional paths.   

What is Ability to Benefit? 

Ability to Benefit is another way of showing you qualify to pursue higher education. Like a college degree or career school. Even if you don’t have a high school diploma or GED. This is for the purpose of applying for federal aid. This may apply to you if: 

  • You were enrolled in college or career school before July 1, 2012 or
  • You are now enrolled in an eligible career pathway program

Your college could give you an approved ability-to-benefit test. This may help show you could benefit from education at that school. Or, you could earn six credit hours or the equivalent toward a degree or certificate. You may not get aid while earning those six credits. But, it’s another way to help prove you qualify to pursue higher ed and federal financial aid. 

What Type of Colleges Accept GEDs? 

Any type of college may accept GEDs, including:

  • Community Colleges, Junior Colleges, Technical Colleges. These colleges may admit a wide range of students – even those without a GED or diploma. Attending one of these institutions could be a potential way to earn an Associate’s degree or other credential. Or, transfer credits toward a four-year school.
  • Four-year College or University. These could be private or public, and they come in all different shapes and sizes. From large state universities to small, private colleges. When applying, check with the admissions office to see what’s needed from applicants with a GED credential. Like, a certain number of transfer credits.
  • Online Colleges. You are not just limited to traditional colleges. Online schools may accept GED applicants. Some offer adult education programs aimed at nontraditional students. Look for accredited online colleges and universities.  

2025 Online Colleges that Accept GEDs 

1 Pennsylvania State University – World Campus
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World Campus is the online branch of Penn State. Started in 1998, it strives to offer accessible distance learning. Courses are the same as those offered on campus. Choose from career focused Associate’s, Bachelor’s degree, and graduate programs.

Have a GED? You’re welcome to apply. Applicants must send transcripts of their GED results. They also need to report all coursework taken in high school. World Campus also offers programs for returning students and adult learners. And, others with a nontraditional academic background. 

Admission requirements (for GED applicants) include

  • GED transcripts 
  • High school record 
  • SAT or ACT scores

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $15,204
Grad Tuition & Fees: $24,406

Average Amount of Financial Aid (2022/23)

Grants & Awards: 60% get, avg. amt. $7,232

Federal Loans: 46% get, avg. amt. $5,437

 

2 Southern New Hampshire University 
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SNHU is a private, nonprofit, accredited school. It has a campus in Manchester, NH that serves 3,000 students. But, most learners study online – over 135,000 of them! Choose from over 200 programs in everything from education to STEM subjects.  

You may apply to SNHU with a GED. For online programs, the application process is pretty simple. You’ll need to do an online college application. And, talk to an admissions counselor. They’ll walk you through next steps. 

Admission requirements (for GED applicants) include

  • GED 
  • Letters of recommendation 
  • College prep courses

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $16,450
Grad Tuition & Fees: $20,469 

Average Amount of Financial Aid (2022/23)

Grants & Awards: 67% get, avg. amt. of $4,557

Federal Loans: 65% get, avg. amt. of $5,243

 

3 Liberty University 
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Liberty is an evangelical Christian liberal arts institution. Along with its Lynchburg, VA campus, it is known for its online programs. Liberty offers 700+ programs, include certificate programs, undergrad, and grad programs. Over 450 of these may be earned online.  

Besides traditional high school graduates, those with a GED are welcome to apply. To apply to any of Liberty’s online programs, you must submit an online High School and GED self certification form. Other requirements may depend on the program you’re interested in. 

Admission requirements (for GED applicants) include

  • GED transcripts 
  • High school record

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $21,222
Grad Tuition & Fees: $8,340

Average Amount of Financial Aid (2022/23)

Grants & Awards: 97% get, avg. amt. of $12,023

Federal Loans: 50% get, avg. amt. of $5,396

 

4 University of Massachusetts – Amherst
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UMassOnline is the online version of this well known state university. Along with the five physical UMass campuses, online learning offers another way to earn your degree. In fact, distance learning has been available at the University of Massachusetts for over 25 years! 

Any student with a high school diploma or GED may register for courses. But, this is not the same as program acceptance. You must apply through the campus that sponsors the online program you are interested in. Like, Amherst. Follow admissions requirements for that campus. 

Admission requirements (for GED applicants) include

  • GED transcripts 
  • High school record 
  • Recommendations

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $39,293
Grad Tuition & Fees: $34,720

Average Amount of Financial Aid (2022/23)

Grants & Awards: 75% get, avg. amt. of $12,343

Federal Loans: 47% get, avg. amt. of $5,299

 

5 Grand Canyon University 
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GCU is a private university in Phoenix, AZ. It offers campus based and online learning. Pursue online degrees in education, business, liberal arts, or nursing and health sciences. Online degree programs are offered at the Bachelor’s, Master’s and doctoral degree levels. 

GED applicants are welcome. There are min score requirements, though. If you took the 2014 or later series, you need a cumulative score of 680 or above. If you took the 2002-2013 Series, you need to score 3000 or above. And for the 2002 Series and prior, 258 or above. 

Admission requirements (for GED applicants) include

  • Minimum cumulative GED score
  • High school record

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $17,450
Grad Tuition & Fees: $11,124 

Average Amount of Financial Aid (2022/23)

Grants & Award5s: 98% get, avg. amt. of $9,308

Federal Loans: 58% get, avg. amt. $5,273

 

6 Purdue University Global 
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Purdue Global is a public, online university, part of the Purdue University System. It’s designed for working adult students. Students may try their online courses for three weeks, without risk. Many start dates throughout the year and flexible course scheduling may make this school the perfect match. 

Purdue Global has an open admissions policy. It admits undergrad students with either a high school or GED diploma. But you must meet the school’s academic standards during your 3 week trial period. Some of the programs may have other admissions rules.  

Admission requirements (for GED applicants) include

  • Proof of GED

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $10,110
Grad Tuition & Fees: $11,582

Average Amount of Financial Aid (2022/23)

Grants & Awards: 80% get, avg. amt. $9,818

Federal Loans: 50% get, avg. amt. $7,457

 

7 New York University 
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NYU is a large, private university with locations in New York City and around the world. It is known for its innovative research and diversity. NYU is home to select online degree programs. Plus, you can take online courses as part of a traditional degree program. 

The GED (General Equivalency Diploma) is accepted as proof of high school graduation. Homeschooled students who do not have a homeschool diploma or other proof of graduation can also take the GED.  

Admission requirements (for GED applicants) include

  • GED 
  • Transcripts 
  • Recommendations 
  • Formal demonstration of competencies

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $60,438 
Grad Tuition & Fees: $41,124 

Average Amount of Financial Aid (2021/22)

Grants & Awards: 41% get, avg. amt. $48,269

Federal Loans: 22% get, avg. amt. $5,109

 

8 CSU Global 
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CSU Global is part of the Colorado State University System. It’s an accredited, nonprofit state school. And, it offers fully online degree programs. Choose from career focused fields. Like, Business, Criminal Justice, and Finance. 

You are welcome to apply with a GED. CSU has other unique rules that not all schools have. For instance, first-year applicants may need to apply with two years of work experience, min. Students over 23 years old, or those who have at least 24 prior college credits, may not need the work experience.  

Admission requirements (for GED applicants) include

  • GED
  • High school record 

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $8,400
Grad Tuition & Fees: $9,000* 

Average Amount of Financial Aid (2022/23)

Grants & Awards: $5,614

Federal Loans: $5,778

 

9 University of Arizona
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UAGC is a private, for-profit college. It offers distance education to help busy adults pursue their goals. Associate’s, Bachelor’s, and graduate programs are offered. Choose from subjects ranging from Business to Liberal Arts. 

At UAGC, your GED counts as proof of high school graduation. UAGC has an open admissions policy. But to be fully admitted, you must meet certain requirements in your initial coursework. That includes earning a grade of C- or better by Day 6 of Week 3 in your first course.  

Admission requirements (for GED applicants) include

  • GED

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $41,095
Grad Tuition & Fees: $33,961

Average Amount of Financial Aid (2022/23)

Grants & Awards: 97% get, avg. amt. $16,511

Federal Loans: 26% get, avg. amt. $5,013

 

10 Columbia Southern University 
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CSU is an online university in Orange Beach, Alabama. It awards undergraduate and graduate degrees, plus certificates. Columbia Southern is known for programs in areas like occupational safety and health, fire administration, and much more. It is accredited by the Distance Education Accrediting Commission. 

For admission, you must have a high school equivalency – that includes the GED. Columbia Southern has an open admissions policy. But you will need to prove yourself in your initial courses. Undergrads must earn 12 credits. And, meet qualitative and quantitative criteria. At that point, they may be fully admitted. 

Admission requirements (for GED applicants) include

  • GED

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $5,808 
Grad Tuition & Fees: $3,820 

Average Amount of Financial Aid (2022/23)

Grants & Awards: 51% get, avg. amt. $3,995

Federal Loans: 49% get, avg. amt. $6,182

 

11 Colorado Technical University 
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Colorado Technical University is a career focused school offering programs with a tech emphasis. Though, you’ll also find programs in Nursing, Criminal Justice, and more. CTU has campus locations in Colorado, plus online programs.   

At CTU, the GED meets the high school graduation requirement. Beyond that, the school has an open admissions policy. So, there aren’t set requirements besides documentation of your GED. Contact an admissions advisor to learn more.  

Admission requirements (for GED applicants) include

  • GED

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $12,760* 
Grad Tuition & Fees: $14,764

Average Amount of Financial Aid (2022/23)

Grants & Awards: 94% get, avg. amt. $6,956

Federal Loans: 87% get, avg. amt. $6,753

 

12 National University 
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National University is a private, nonprofit institution. It’s based in San Diego, CA, but also offers online programs. Choose from over 75 degree programs at various levels. You can even focus on one subject at a time, in accelerated, 4-week classes.  

National University is a private, nonprofit institution. It’s based in San Diego, CA, but also offers online programs. Choose from over 75 degree programs at various levels. You can even focus on one subject at a time, in accelerated, 4-week classes.  

Admission requirements (for GED applicants) include

  • GED transcripts 
  • Formal demonstration of competencies (may be optional) 
  • SAT or ACT scores (optional)

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $13,320* 
Grad Tuition & Fees: $15,912* 

Average Amount of Financial Aid (2022/23)

Grants & Awards: $6,863

Federal Loans: Avg. amt. $5,996

 

13 Thomas Edison State University 
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Thomas Edison State University is a 4-year public school. It is based in Trenton, New Jersey. The school focuses on adult learners. Many students pursue their degrees online. But, you can also visit the historic campus to meet with your advisor, take a proctored exam, or just explore.  

This school has an open admissions policy. You are welcome to apply with a GED. But, you must be at least 20 years old. If you are a member of the military, you can be 18 or older. And it is possible to apply for exceptions to this rule. 

Admission requirements (for GED applicants) include

  • GED

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $8,598
Grad Tuition & Fees: $12,150 

Average Amount of Financial Aid (2022/23)

Grants & Awards: Avg. amt. $3,428

Federal Loans: Avg. amt. $6,876

 

14 University Of Maryland Global Campus 
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UMGC is an online state university. Part of the University System of Maryland, it strives to serve working adults and military service members. Choose from over 90 degree programs and paths. In almost every course, digital course materials are included at no extra cost. 

This school has an open admissions policy. You can apply to UMGC with a passing GED score. Or, another high school equivalent. And, students who have earned 60 college credits or an Associate’s degree can apply without a GED. 

Admission requirements (for GED applicants) include

  • GED

2023/24 Tuition & Fees

Undergrad Tuition & Fees: $12,336
Grad Tuition & Fees: $12,132 

Average Amount of Financial Aid (2022/23)

Grants & Awards: 46% get, avg. amt. $5,268

Federal Loans: 23% get, avg. amt. $5,886

 

The Digital Divide: What It Is and How It Impacts Us

Digital Divide Definition

The term “digital divide” refers to the gap between those who have access to information and communication technologies (ICTs) and those who don’t.

While the term “digital divide” came into play in the mid-1990s, it is still a hot-button public policy debate—above all, since it touches on social, political, and economic issues.

Why Is the Digital Divide an Important Issue?

In today’s increasingly digital world, access to technology and the Internet has become essential for communication, education, employment, and many other aspects of daily life. Those who lack access to technology or the skills to use it effectively are at a disadvantage, as they are unable to fully participate in the opportunities and resources offered online. This creates a significant divide between those who have access to digital tools and those who do not, exacerbating existing social and economic inequalities.

The digital divide not only limits individuals’ ability to access information and services but also hinders their educational and career prospects. Bridging the digital divide is crucial to ensure equal opportunities for all and to prevent further marginalization of already disadvantaged groups. It requires efforts from governments, communities, and organizations to provide equitable access to technology and digital literacy training, empowering individuals to participate fully in the digital age.

What Causes the Digital Divide?

The digital divide is a complex issue that has been shaped by a range of factors, including economic, social, and geographic disparities. One of the primary causes of the digital divide is the lack of access to technology that many low-income households and rural communities face. High-speed Internet and advanced technology tools often come with hefty price tags that low-income households may not be able to afford. Additionally, rural communities may not have the infrastructure in place to support advanced technology and high-speed Internet.

This lack of access to technology could lead to significant educational and employment barriers for individuals as they struggle to keep up with the demands of the digital age. Education and awareness about the benefits of digital inclusion could be key in bridging the digital divide, as well as policies aimed at expanding broadband access and reducing the cost of technology.


Check out the infographic below to learn more.

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Digital Divide Examples

The digital divide is evident in various scenarios, highlighting the disparities in access to technology and the Internet. One example relates to education, where students from low-income households may not have access to reliable Internet connections or necessary devices for online learning. This could hamper their ability to participate fully in virtual classrooms and access digital educational resources, potentially putting them at a disadvantage compared to their peers who have seamless access to technology.

Another example is the job market, where individuals without access to technology or digital skills might struggle to compete for employment opportunities that increasingly rely on digital literacy. They may face barriers in accessing online job portals, submitting electronic resumes, or participating in virtual interviews.

Additionally, the digital divide is evident in rural areas where the lack of broadband infrastructure limits access to high-speed Internet, potentially impacting both personal connectivity and economic development.

 

Who Is Affected by the Digital Divide?

The digital divide exists in a deeper way among low-income groups and communities. So, it is both a local issue and one that underdeveloped countries around the globe face. The gap is small in developed countries and large in developing countries.

The digital divide affects a range of people, young and old:

  • Those who live in rural areas without a digital infrastructure
  • Low-income households who can’t afford high-speed Internet
  • Students and workers who do not own a computer
  • Workers who are unable to keep up-to-date on technology due to lack of access to technology
  • Those with medical issues who don’t have access to telehealth appointments
  • People living in underdeveloped countries

Geographical Digital Disparities

There are also geographical differences across the United States, as well as within the states themselves.

The following tables illustrate this digital disparity. Some compelling takeaways include:

  • The average percentage of homes without internet for states with the highest connectivity is 9%; for states with the lowest connectivity, it’s 20%—that’s over twice as much.1,2
  • The average percentage of homes without a computer for states with the most computers is 4%; for states with the least, it’s 11%—that’s nearly three times as much.3,4

While states such as Connecticut, New York, and Maryland rank better than average in connectivity, there are cities within these states whose households have over 50% less connectivity than the states themselves


Five States with Lowest Internet Connectivity, 2017–20211

StatePercentage of Households without an Internet Subscription (U.S. Average = 13%)
Mississippi22.0%
Arkansas20.3%
New Mexico20.0%
West Virginia19.2%
Louisiana18.8%

Five States with Highest Internet Connectivity, 2017–20212

StatePercentage of Households without an Internet Subscription (U.S. Average = 13%)
Washington8.7%
Colorado9.1%
Utah9.2%
California9.6%
New Hampshire9.9%

Five States with Fewest Computers per Household, 2017–20213

StatePercentage of Households without a Computer
(U.S. Average = 6.9%)
West Virginia12.4%
Mississippi11.6%
Louisiana10.4%
Alabama/New Mexico (tie)10.3%
Arkansas10.2%

Five States with Most Computers per Household, 2017–20214

StatePercentage of Households without a Computer
(U.S. Average = 6.9%)
Utah3.3%
Colorado4.3%
Washington4.4%
Alaska4.5%
California4.8%

Discrepancies in Connectivity by Selected Cities and States, 2017–2021

 Percentage of Households without an Internet Subscription (city)5Percentage of Households without an Internet Subscription (state)6
Brownsville, Texas33.313.1
Flint, Michigan29.013.6
Newark, New Jersey25.610.6
Cleveland, Ohio24.813.7
Baltimore, Maryland20.410.3
Hartford, Connecticut20.311.1

Racial Disparities

Income level is a significant factor with regard to who is affected by the digital divide. Race is also an issue.

The good news is that the gaps have been narrowing in recent years. Following is the percentage of households who did not have high-speed Internet by race in 2017 and 2021:

Race20172021
Asian alone, non-Hispanic10%77%8
White alone, non-Hispanic16%914%10
Black alone, non-Hispanic22%1117%12
Hispanic (of any race)22%1318%14

Are Virtual Schools Widening the Digital Divide?

The rapid shift to virtual education in response to the COVID-19 pandemic has raised questions about the potential impact of virtual schools on the digital divide. While virtual schools provide a flexible and accessible form of education for many students, they may also be exacerbating existing disparities in access to technology and the Internet. Students from low-income households or rural communities may not have access to the devices, reliable Internet, or digital literacy skills needed to participate fully in virtual classrooms, leading to unequal learning opportunities.

Virtual education may also be a factor in what is called a “homework gap.” This is the gap between school-age children who have access to high-speed Internet at home and those who don’t.

Students who face digital hurdles when they try to do their homework may not be able to complete their homework at all, which could contribute to poorer grades. Teachers say this problem may also lead to delinquency.

How Are Students and Schools Overcoming the Problem?

Overcoming this problem is a huge challenge. Some schools are lending or giving out laptops and tablets. Some students use their smart phones. And some principals are trying to find hotspots that people who don’t have Internet could use.

Students might drive to a parking lot near a library to use their public WIFI. Yet not all students could even do this. So, some schools send packets of materials to students or DVDs. Then the parents take a picture of a completed assignment and email it to the teachers.

How to Combat Digital Divide?

One way to bridge the Digital Divide is through Digital Inclusion which sets up Smart Cities. In spite of how complex the issues are, some Smart Cities are trying to ensure access through infrastructure. Some are making an effort to set up public Wi-Fi networks. And other cities are finding innovative ways to get Internet coverage to those who lack access.

One example launched by G3ict and World Enabled is the Smart Cities for All initiative. It was set up to define the state of ICT accessibility in Smart Cities worldwide. The goal of their plan is to eliminate the digital divide for the elderly and persons with disabilities in Smart Cities around the world. To do this, they are partnering with leading organizations and companies and then working to create and deploy the tools and tactics needed to build more inclusive Smart Cities.

Google’s sister company, Sidewalk Labs, is also trying to come up with a solution, albeit for those who could afford it. Their plan is to build a tech-loaded community called Quayside on the waterfront in Toronto, Canada. In Quayside, they plan to embed all sorts of sensors everywhere possible. As a result, there should be a constant stream of data about things such as traffic flow, noise levels, air quality, energy usage, travel patterns, and waste output. 

This type of community shows that smart tech sensors could be useful. Cityblock, a spinoff of Sidewalk Labs, is focusing on low-income communities with serious health problems. Their vision includes an option for members to join a “neighborhood health hub.”

There are also individual organizations providing grants to communities that typically have issues with the digital divide. The National Fund for Workforce Solutions, for example, donated $130,000 in grants to five communities to equip workers with the digital access, literacy, and skills they need to secure and grow in economy-boosting jobs in a rapidly changing labor market.

Has There Been Any Government Support to Bridge the Divide?

Advocates and government workers in the broadband and digital equity space report a renewed interest in bridging the divide. One of the reasons is that COVID-19 highlighted the unequal access to technology and the Internet that has long existed. It also shows us just how reliant on the Internet we are. Telehealth visits, for instance, are only available to those with access. So, many older adults and underserved communities are among the hardest hit.

There have been a number of initiatives at the federal level to combat digital disparities in the United States.

  • In 2021, the U.S. government passed an infrastructure bill that, among other things, aims to narrow the digital divide. The initiative strives to assist households in reducing the cost of Internet service by mandating that recipients of federal funding offer an affordable plan accessible to all. This may be achieved through measures such as enhancing price transparency and fostering competition in areas where current service providers are not meeting the demand adequately. 
  • The FCC’s Affordable Connectivity Program offers monthly discounts on broadband service to eligible households. As of September 2022, more than 14 million households had enrolled—about a third of the estimated eligible households. 
  • The Broadband Equity, Access, and Deployment (BEAD) Program provides $42.45 billion to expand high-speed Internet access in all 50 states, the District of Columbia, and U.S. territories.
  • The Digital Equity Act provides $2.75 billion to establish three grant programs to help ensure that all people and communities have the skills, technology, and capacity needed to succeed in our digital economy.

Changes are also being made at the state level. For example, Maine lawmakers approved a bond package with $15 million to expand broadband in the state. California’s Digital Divide Program provides four grants of up to $250,000 each to help beneficiary schools located in an urban or rural low-income small school district. 

Conclusion

The digital divide remains a significant challenge in our increasingly connected world. As technology continues to shape various aspects of our lives, the disparities in access to technology and the Internet may have profound implications for education, employment, and overall quality of life.

While progress has been made in narrowing the digital divide through various initiatives, more work needs to be done. Governments, non-profit organizations, and private sector companies must collaborate to ensure equitable access to technology, Internet connectivity, and digital literacy training for all individuals, especially those from marginalized communities.

Bridging the digital divide is not only a matter of fairness and justice but also crucial for fostering inclusive economic growth and societal well-being. By addressing the digital divide, we could create a more equitable and digitally connected future for all.

Online Christian Colleges

20 Online Christian Colleges for 2025

Explore Online Christian Colleges that could help you grow in your religious beliefs.

What is an Online Christian College?

An Online Christian college is a school that blends Christian values and traditional academics. You could study the same subjects taught at other colleges. But with a major difference. Courses in an Online Christian college are taught from a Christian viewpoint. In a Christian college, you may have the chance to prepare for your future through a biblical lens. That means you could learn how Christianity informs fields like philosophy, science, and the arts. You could get involved in clubs and activities that weave in faith. And you could study with classmates who share your spiritual beliefs.

What Will I Learn in an Online Christian College?

Christian colleges may teach much of the same coursework as other schools. Like, math, science, and liberal arts courses. And, they award the same degrees. Like, Bachelor of Arts or Bachelor of Science degrees. The main difference is that you’ll apply Christian values to your general studies.

For instance, a biology major at an Online Christian college could expect to study botany, genetics, ecology, and more. An organizational leadership major could study business and finance. Pretty much the same as a secular student. The difference is that at an Online Christian college, faith informs these subjects. In a biology program, that could mean looking at topics like Creationism. Or, the meaning of life. Along with secular scientific views, you could give serious attention to biblical views.

Courses in theology and scripture are also the norm. Yes, secular colleges may have courses on world religions. But in a Christian college, you’ll likely take several required courses about your faith. And, you may have access to different majors. Like:

  • Christian ministry
  • Christian education
  • Biblical studies
  • Theological studies

Learning goals at an Online Christian college could include:

  • Gaining a better understanding of the Bible
  • Handling moral dilemmas in your life and career
  • Defining and building a Christian character
  • Serving others in your career, home, and community
  • Weaving your faith into your life and work
  • Navigating the secular world and the challenges it brings

Online colleges are often much the same. In some cases, online programs at a Christian college have a curriculum that’s the same as traditional programs at the same school. In other cases, the online program may have slight changes. Like, fewer theology courses. But, you’ll likely still touch on topics like the Bible and living a Christian life. And your online courses in any subject could factor in faith. Choosing online education may not change what you learn.  

Is an Online Christian College Perfect for You?

If you are hoping to explore your faith along with your academic major, a Christian college may be ideal! Let’s review some pros and cons.

Potential Pros to Choosing an Online Christian College

  • You could learn more about your faith. It’s always possible to be a better informed Christian. At a Christian or Bible college, you might learn to gain more meaning from scripture. You could deepen your knowledge of Christian life. After all, the way you practiced faith in high school may need to evolve as you get older. College could help you learn to follow Christ into adulthood.
  • You could bring faith to your field. Wondering how Christian views could inform your academic major? Choosing a Christian college may bring the chance to ask questions rooted in faith. At a secular college, you may not be able to study biblical views on subjects like chemistry or criminal justice.
  • You could find community. The faculty, staff, and students will likely share your Christian faith. You may worship together, volunteer together, and support each other. And, you could learn from diverse Christian viewpoints.
  • You could prepare for the life you want to live. If you aren’t sure how to blend faith and your career, going to a Christian college could shed some light. You could learn how to live your values on the job. And how to serve others in a godly way.

Potential Cons to Choosing a Christian College

  • It may ask a lot of your faith. Many Christian colleges ask for a deep commitment. You may need to attend regular chapel or bible study. For many students, that’s a plus. But if you practice your faith more casually, that might not be the perfect fit.
  • There’s the potential for less diversity. College can be a great time to learn about other world views. You’ll find plenty of different opinions at a Christian college. Many Bible colleges are nondenominational. Or interdenominational. So Lutheran students could study with Presbyterian or Nazarene students, etc. But, the school may not have as much diversity as a public college.
  • Faculty and students may hold conservative views. There are Christians across the political spectrum. Some take a conservative stance on many issues. If that doesn’t describe you, ask whether the Christian college you’re considering is the ideal fit.
  • Online degree programs bring faith to the web. For many, that’s great news. You could strengthen your faith from the comfort of home. But, if you’re not as tech savvy, you may find it hard to get used to some things. Like virtual prayer meetings.

Professional Organizations for Christian College Students

After earning an online degree from a Christian college, you may want to join a professional org. This may be a great way to seek support in your field. Here are a few to consider:

Accreditation for Christian Colleges

Several organizations accredit Christian colleges. These include: 

Scholarships for Christian Colleges

  • Colorado Christian Scripture Memory Scholarships. Eligibility entails committing an entire book from the Bible to memory. The scholarship sums awarded fluctuate contingent on the chosen book. The pinnacle amount attainable is $8,000, designated for the book of Matthew. An essential prerequisite is being enrolled as a student at CCU. It’s crucial to note that the application deadline displays variability.
  • Dr. James Earl Massey Intercultural Leadership Scholarship. Applicable exclusively to incoming freshmen at Anderson University, this opportunity mandates demonstrating active engagement in both serving God and fostering connections across cultural boundaries within your community. Successful candidates stand a chance to secure $10,000 annually. The deadline for submissions exhibits variability. 
  • Lettie Pate Whitehead Scholarship Program. This program grants money to female Christian students. They must live in select southern states. Most funds go to undergraduate programs and health education. Amounts and deadline vary.   
  • Mary E. Bivins Foundation Scholarships. This initiative aims to facilitate the education of Christian ministers, focusing on those pursuing either a Bachelor’s or Master’s degree. Prospective participants are required to be dedicated to the practice of preaching the Christian faith. The program extends its eligibility to individuals within the Texas Panhandle region. The scholarship amounts exhibit diversity, with the most substantial sum of $28,000 designated for graduate students. As for the application deadline, it falls on February 23, 2024. 
  • The Christian Missionary Scholarship Foundation. This foundation helps children of missionaries. Missionary families may make financial sacrifices. So, they can’t always afford college. Each year, this program helps 100 missionary kids at six Christian colleges. The next deadline is in February 2024. Awards vary.  
  • Hubler Endowed Scholarship. This is for ministry students at Baylor University. You could receive $5,000 per semester for Spring and Fall. Students need to have a divine call for vocational ministry. They must also have a GPA of 3.25. And, other guidelines apply. Next yearly deadline is March 15.  
  • Gordon and Eleanor Spykman Memorial Scholarship. This is for juniors or seniors at Calvin University. You must have a major or minor in religion and theology. And, other rules apply. The award is $2,300. Next deadline is in February 2024.  

20 Christian Colleges For 2025

Using data from the NCES and College Scorecard we have created a list of the top 2023-2024 Christian Colleges in the US. These schools were ranked based on the number of total enrolled students for the 2023 / 2024 school year.

1 Liberty University 
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Based in Lynchburg, Virginia, Liberty is a large, Evangelical Christian university. It offers over 700 programs from the certificate to the doctoral level. These are rooted in the liberal arts. The school is also known for its online degree programs. It strives to be one of the best online Christian colleges. Liberty began offering distance education degree options way back in 1985.  

Liberty University strives to train “champions for Christ.” With a focus on faith and service, every student is called on to worship. All students attend regular convocations. They gather (or watch online) as guest speakers talk about faith and other topics.

2023/24 Tuition & Fees

Undergrad: $21,222

2022/23 Financial Aid

$12,023

Grad Rate

36%

 

2 Columbia College 
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Columbia College is a private institution joined with the Disciples of Christ. It’s based in Columbia, Missouri. And has over 30 other locations to choose from. Evening and online degree programs are also available. The school offers 10 Associate’s degree programs and over 30 Bachelor’s degree programs. Plus, 8 Master’s degree programs.  

CC was founded in 1851 as Christian Female College. Today, it’s coed but keeps its Christian ties. Students can choose from Christian groups, too. Like, Chi Alpha Christian Fellowship. CC is nonsectarian. And, students of all faiths are welcome. 

2023/24 Tuition & Fees

Undergrad: $24,326

2022/23 Financial Aid

$14,569

Grad Rate

28%

 

3 Indiana Wesleyan University 
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Indiana Wesleyan is a Christian comprehensive university of the Wesleyan Church. It is based in Marion, Indiana. It is the largest member of the Council for Christian Colleges and Universities. Along with traditional programs, it offers adult ed and online learning. 

IWU’s goal is to be a Christ centered community. Students from all faith backgrounds can attend. But, Christian ideas are woven into every area of student life. Service and fellowship are a big part of that experience.  

2023/24 Tuition & Fees

Undergrad: $8,216

2022/23 Financial Aid

$6,008

Grad Rate

70%

 

4 Duke University 
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Duke is a top research university in Durham, NC. It has ties with the United Methodist church. Duke serves 15,634 learners in undergrad, grad, and professional programs. Students come from around the world to attend. 

At the graduate level, Duke is home to a Divinity School. Its students seek to answer God’s call to serve. Seven grad programs are available. Like, a Master of Divinity (M.Div.) program.  

2023/24 Tuition & Fees

Undergrad: $65,805

2022/23 Financial Aid

$59,327

Grad Rate

96%

 

5 Baylor University 
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Baylor is a Baptist, doctoral university. It is based in Waco, Texas and serves 16,000 students. Students benefit from chances to do inter disciplinary research. Choose from over 127 undergraduate degree programs. Plus, many grad degree programs.  

Baylor’s mission is to prepare students for leadership and service. Christian values are at the center of it all. Chapel is a chance for students and faculty to gather two days per week. Baylor is also home to the George W. Truett Theological Seminary. While Baylor is a Baptist college, students from all faiths are welcome. 

2023/24 Tuition & Fees

Undergrad: $54,844

2022/23 Financial Aid

$20,409

Grad Rate

78%

 

6 Emory University 
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Emory is a private, doctoral research university. Based in Atlanta, it is tied to the United Methodist Church. Emory is known for its liberal arts colleges. And, its health care degree programs and leading health care system.  

At Emory, there are many ways to practice your faith. Christian orgs on campus offer various services and ministries. While Emory is Methodist, other denominations are represented. The Candler School of Theology at Emory is one of 13 United Methodist seminaries. 

2023/24 Tuition & Fees

Undergrad: $60,774

2022/23 Financial Aid

$50,828

Grad Rate

92%

 

7 American University 
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Based in Washington, D.C., American is a well known research university. It is a United Methodist school. AU serves over 14,000 students. And, it offers 71 Bachelor’s, 87 Master’s, and 10 doctoral degree programs. Including distance learning. 

AU strives to live up to its Methodist values. You can do just that at the Kay Spiritual Life Center. Kay offers many ways to practice your faith. Like, chapel and service projects. The school also offers degree programs in Religion, Religious Studies, and more.  

2023/24 Tuition & Fees

Undergrad: $56,543

2022/23 Financial Aid

$31,402

Grad Rate

79%

 

8 Azusa Pacific University 
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Azusa Pacific is a doctoral research university in California. It is a Christian institution. But, it is undenominational. Its focus is on preparing students to serve the world for Christ. Choose from a range of undergrad and grad programs. Plus, online degree programs for distance learners. 

Azusa Pacific is a Christ centered school. It brings together faith and learning. So, all academic majors include religion in the curriculum. Faculty and staff are Christian. And, students can practice their faith through chapel, service, mission trips, and more. 

2023/24 Tuition & Fees

Undergrad: $43,600

2022/23 Financial Aid

$28,652

Grad Rate

68%

 

9 Southern Methodist University 
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Southern Methodist is a doctoral research university. It teaches in the liberal arts tradition. SMU serves over 12,000 students, some from around the world. Based in Dallas, the school is at the heart of culture and cutting edge research. 

SMU is nonsectarian, and all faiths are welcome. There are plenty of ways for Christian students to get involved. That includes Wednesday Worship, a weekly Christian service. The Office of the Chaplain and Religious Life offers spiritual guidance. 

2023/24 Tuition & Fees

Undergrad: $64,460

2022/23 Financial Aid

$36,850

Grad Rate

80%

 

10 Texas Christian University 
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Texas Christian is a private, doctoral university in Forth Worth. It has ties with the Christian Church. Offering a 295 acre urban campus, it’s right in the heart of culture. TCU serves 9,445 undergrad students, plus grad students. 

TCU is the largest of 21 schools that has a covenant with the Disciples of Christ. This is a protestant denomination. It has Presbyterian and Baptist roots. That said, students of all faiths attend TCU.  

2023/24 Tuition & Fees

Undergrad: $57,220

2023/24 Financial Aid

$33,813

Grad Rate

81%

 

11 Wayland Baptist University 
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Wayland Baptist is a private, Southern Baptist university. It is based in Plainview, Texas. Choose from over 65 programs, with a liberal arts focus. The school serves over 1,400 students. Plus, 3,600 students on 13 other campuses. These are located across the Southwest. And, in Hawaii, and Alaska.  

Education at Wayland has a Christian world view. That means you’ll study in a Christian setting and prepare to serve God in your work and life. There are many ways to get involved – like the Baptist Student Ministry. Or the Fellowship of Christian Athletes (FCA). 

2023/24 Tuition & Fees

Undergrad: $22,368

2022/23 Financial Aid

$13,608

Grad Rate

44%

 

12 California Baptist University 
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CBU is a private, Southern Baptist university. It calls Riverside, California home. The school offers over offers more than 80 undergraduate student majors. From business administration to the sciences. Plus, choose from 30 master’s degree programs and 5 doctoral programs. 

As a Christ centered school, CBU integrates faith into academics and social activities. CBU offers many ways to serve God and others. These range from service projects to inter national programs.  

2023/24 Tuition & Fees

Undergrad: $38,058

2022/23 Financial Aid

$22,757

Grad Rate

61%

 

13 Chapman University 
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Chapman is a private university in Orange, California. You’ll find it just 15 miles from the beach. Founded in 1861, it is linked with the Disciples of Christ. Chapman serves around 10,000 learners. It’s proud of its diverse student body.  

Chapman has Christian roots, but you don’t have to be Christian to go here. The Fish Interfaith Center serves everyone. It offers a wealth of ways to enrich your spiritual life. There are also many Christian groups on campus. Like, Campus Crusade for Christ. And YoungLife. And InterVarsity Christian Fellowship.  

2023/24 Tuition & Fees

Undergrad: $60,672

2022/23 Financial Aid

$33,510

Grad Rate

81%

 

14 Bethel University 
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Bethel is a comprehensive Christian school. This private university is based in McKenzie, Tennessee. It offers 100 academic programs in two colleges. Plus, a school for graduate studies. And a seminary. Bethel has Cumberland Presbyterian ties. But, it is interdenominational.  

Faith is at the center of living and learning at Bethel. As a student, you can take part in chapel, evening vespers, and more. The Office of Campus Ministries supports students as they explore their beliefs. And, there are many service and outreach programs.  

2023/24 Tuition & Fees

Undergrad: $17,482

2022/23 Financial Aid

$13,396

Grad Rate

38%

 

15 Concordia University-Wisconsin 
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Concordia University in Wisconsin is a private, doctoral school. Campus is located next to Lake Michigan and is noted as the safest in Wisconsin. (In school rankings.) It offers over 70 majors and programs across 6 schools.  

2023/24 Tuition & Fees

Undergrad: $34,250

2022/23 Financial Aid

$23,477

Grad Rate

54%

 

16 Pepperdine University 
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Pepperdine is a private, doctoral university in Malibu, CA. It is tied to Churches of Christ. The school offers 73 education programs across 5 undergrad and grad schools. Located just 35 miles from LA, its in an ideal location for fun, sun, and culture. 

Over half of the students at Pepperdine are Christian. The rest come from other faith backgrounds. Pepperdine values diversity but is built on Christian values. Service, worship, and learning come together at this school. Every undergrad dorm has a Spiritual Life Advisor.  

2023/24 Tuition & Fees

Undergrad: $66,742

2022/23 Financial Aid

$32,986

Grad Rate

84%

 

17 Ashland University 
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Based in Ashland, Ohio, this university has ties to the Brethren Church. It was founded in 1878. Today, it serves over 6,600 students – each one valued as an individual. Choose from traditional or online degree programs.  

Ashland is guided in all things by its Christian heritage. Faith in God and Christian values are key to its identity. The Office of Christian Ministry offers many ways to worship, serve, and grow in your faith. This school is also home to the Ashland Theological Seminary. 

2023/24 Tuition & Fees

Undergrad: $28,910

2022/23 Financial Aid

$18,667

Grad Rate

66%

 

18 Belmont University 
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Belmont is a private, doctoral university in Nashville. It has Baptist heritage but is inter denominational. Belmont focuses on liberal arts and professional education. It serves over 8,400 students in more than 130 programs of study. 

Belmont provides a student centered Christian community. In fact, it is the largest ecumenical Christian college in the United States. Faculty and staff try to include Christian ways of thinking in every part of life at Belmont. There are many ways to get involved. From worship services to mission trips.  

2023/24 Tuition & Fees

Undergrad: $41,320

2022/23 Financial Aid

$22,922

Grad Rate

72%

 

19 Colorado Christian University 
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CCU is a private university based in Lakewood, Colorado. In fact, it is the state’s flagship Christian university. CCU is inter / un denominational. And, it is evangelical. Besides its main campus, the school has centers in six cities throughout CO. And, it offers online learning.  

Colorado Christian does not separate faith and learning. All faculty and staff embrace the school’s Statement of Faith. Chapel attendance is required for all undergrad students. It’s a chance for the whole campus to worship together. And, students must sign a Lifestyle Covenant. 

2023/24 Tuition & Fees

Undergrad: $39,266

2022/23 Financial Aid

$23,436

Grad Rate

31%

 

20 Campbell University 
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Campbell University is a private, Baptist college. It was founded by the Baptist minister J.A. Campbell in 1887. You’ll find this school in Buies Creek, NC. It serves 6,800 students in an inclusive Christian setting. 

Students can take part in worship at the beautiful Butler Chapel. Ministries and mission trips offer ways to serve others. And, the Office of Spiritual life can guide you as you grow in your faith. Upperclassmen and grad students serve as Resident Chaplains (RCs).  

2023/24 Tuition & Fees

Undergrad: $40,410

2022/23 Financial Aid

$34,413

Grad Rate

47%

 

Medical Assistant to RN

Transition from Medical Assistant to RN

What is the quickest way to go from a medical assistant to RN?

Differences Between Medical Assistant and RN

The journey from a Medical Assistant (MA) to a Registered Nurse (RN) primarily hinges on the scope of practice. While these healthcare professionals may share certain administrative and clinical responsibilities, Registered Nurses often embrace a more comprehensive level of patient care, a dimension not typically within the realm of MAs. As a result, the paths of education for those transitioning from Medical Assistant to RN may diverge. 

Much like RNs, MAs have the potential to work in hospitals, medical offices, or other healthcare settings. Their tasks often involve scheduling appointments and recording patient information. Additionally, MAs may be involved in recording vital signs such as blood pressure and inputting patient data into Electronic Health Records (EHRs). Moreover, certain Medical Assistants also undertake fundamental clinical duties. Some of these tasks include: 

  • Conducting basic laboratory tests 
  • Administering injections or medications 
  • Providing wound care 
  • Assisting in preparing patients for X-rays 

Registered Nurses (RNs) also engage in the documentation of patient information and medical histories, similar to MAs. However, their role may encompass more comprehensive patient assessments. Prior to a doctor’s evaluation, RNs might examine the patient’s condition, noting symptoms and pertinent details. Moreover, RNs play a pivotal role in devising treatment plans and providing patient education. They may oversee Licensed Practical Nurses (LPNs) and, most crucially, administer treatments and medications to patients. 

For RNs in different areas of medicine, clinical tasks may vary. Here are just a few examples:

  • Critical care nurses tend to and monitor individuals with urgent or acute illnesses. 
  • Neonatal nurses care for babies who are born prematurely or with health complications. 
  • Genetics nurses engage in screening, counseling, and treatment for hereditary health conditions. 
  • Public health nurses contribute to public education about prevalent health issues, conducting screenings and outreach.

The paths MAs and RNs take to prepare for their careers can differ. According to the Bureau of Labor Statistics, RNs generally pursue one of three educational routes

An approved nursing program that awards a diploma

These accredited nursing programs are often available through hospitals or medical centers. Typically spanning 2 to 3 years, they delve into subjects such as nursing fundamentals, surgical nursing, and patient care. Alongside theoretical learning, students are required to complete clinical experiences, gaining hands-on practical skills. 

An Associate Degree in Nursing (ADN). Or, an Associate of Science in Nursing (ASN)

Compared to the diploma program, ADN or ASN programs are more widespread. Taking a similar duration of 2 to 3 years, these degrees offer comprehensive education. Nursing students delve into courses like anatomy, physiology, microbiology, as well as subjects in social and behavioral sciences and liberal arts. Clinical experience remains a crucial component of these programs, enabling students to apply theory in real-world healthcare settings. 

A BSN, or Bachelor of Science in Nursing

A Bachelor of Science in Nursing program encompasses the same foundational courses and clinical experiences as ADN or ASN programs, but with added depth. Expect to cover subjects like communication, leadership, and advanced science courses. This comprehensive program typically spans around 4 years. Already have an ADN or ASN and looking to further your education? Many nurses pursue a Bachelor’s degree through RN-to-BSN or RN bridge programs. 

MAs may also have a few education paths to consider:

  • Postsecondary certificate. The most common route, offered at community colleges, vocational schools, and similar institutions. This certificate program usually takes about a year. Coursework includes medical terminology, anatomy, lab work, and a mix of classroom or online learning.
  • On the job training. Some states lack strict education requirements for MAs. While many employers prefer certified or degreed candidates, some may hire individuals with a high school diploma and provide training on-site. 
  • Associate degree.  Degree programs in medical assisting are available, typically taking around 2 years and often offered by community colleges. Curriculum covers a range of topics from medical coding and health insurance to pharmacology and nutrition. General college courses like algebra and communication may also be included. 

Both registered nursing and medical assisting programs touch on similar subjects like anatomy and physiology. However, nursing programs emphasize clinical skills and knowledge, whereas MA programs focus more on administrative functions and general healthcare understanding. Each program tailors its curriculum to equip students for their respective roles. Therefore, MAs aiming to transition into the RN career path might need to address certain gaps in their education. 

How to Transition

Wondering if a Medical Assistant (MA) can become an RN? While the transition isn’t immediate, MAs can potentially shift to an RN career by pursuing further education, namely through nursing school. Although there isn’t a direct route from MA to RN, several educational paths can facilitate this career transition, including:  

MA to ADN or ASN

As an MA, you have the option to obtain an Associate Degree in Nursing (ADN) or an Associate of Science in Nursing (ASN) degree. This path usually spans 2 to 3 years and might be the quickest route to embark on your journey to becoming an RN. If you already hold an Associate’s degree for Medical Assisting, you may have the opportunity to transfer certain credits, particularly general education credits. Depending on the program, you could even complete some or all of your coursework online. However, it’s important to note that nursing programs typically require in-person clinical experience, which can’t be replicated online. You might be able to fulfill these clinical requirements at a nearby facility. 

MA to BSN

Another viable option is to pursue a Bachelor of Science in Nursing (BSN). This path can offer several advantages, as certain employers specifically seek Registered Nurses (RNs) with Bachelor’s degrees. Additionally, some administrative positions and specialized nursing roles may require a BSN. The duration of this pathway typically spans around 4 years, but if you have transferable college credits, it might be possible to complete the degree in less time. The feasibility of this depends on whether the nursing program accepts transfer credits. While many online BSN programs are tailored for current RNs seeking to obtain their Bachelor’s, you might also find regular BSN programs with online course offerings. 

MA to LPN to RN

An alternative route involves becoming a Licensed Practical Nurse (LPN). This pathway generally requires less education than an RN, often a certificate or diploma program that takes about a year to complete. Opting for an LPN career path could provide you with a preliminary experience in nursing. Subsequently, you can progress to an LPN to RN program or an LPN to ADN program. These bridge programs are designed to build upon an LPN’s existing knowledge, facilitating a transition to an RN career. These programs might even grant credits for prior learning, making the process quicker than you might expect. Certain programs might allow you to complete coursework, excluding clinicals, through online platforms. 

Aside from educational requirements, you’ll also need to obtain a nursing license from your state, with specific regulations varying depending on your location. Generally, passing the National Council Licensure Examination (NCLEX-RN) is a prerequisite. Additionally, many states mandate background checks and have other specific requirements. To obtain comprehensive information, it’s advisable to consult your state’s board of nursing. 

WHY CONSIDER THE SWITCH? 

Both Medical Assistants (MAs) and Registered Nurses (RNs) play indispensable roles in healthcare settings, including hospitals. So, what prompts the transition from MA to RN? Here are a few compelling reasons to ponder: 

  • Potential for Higher Earnings. In 2023, RNs boasted a median annual salary of $86,070, while MAs earned $42,000. Clearly, there exists a substantial wage disparity. This considerable difference serves as a driving force for numerous MAs to pursue further training and education, aiming to tap into the higher-paying opportunities RN roles may offer. 
  • Expanded Responsibilities. RNs often undertake more complex and challenging responsibilities compared to MAs. Their role frequently involves direct patient interaction, including health education. Conversely, MAs frequently contribute in a supportive capacity, with some engaging in clinical tasks tied to patient care, while others predominantly handle administrative functions like appointment scheduling and record keeping. For MAs seeking to elevate their professional contributions, a shift to nursing might be a logical step. 
  • Career Advancement. According to the Bureau of Labor Statistics (BLS), RNs have the potential to explore further horizons. With additional education, such as obtaining a Master’s degree like a Master of Science in Nursing (MSN), RNs can progress to becoming Nurse Practitioners. This elevation opens doors to advanced clinical roles. Alternatively, RNs can venture into diverse niches within nursing, such as management, administration, and beyond. 

What Financial Aid is Available?

When considering the pursuit of a Registered Nursing program, financial aid can emerge as a pivotal resource. This is especially crucial if you are contemplating a transition from Medical Assistant (MA) to RN. Rest assured, financial aid options may be within reach for those who qualify. To navigate this realm effectively, a foundational step is engaging with the Free Application for Federal Student Aid (FAFSA). This application serves as a compass, guiding you to ascertain your eligibility for a spectrum of federal financial aid offerings, including grants, loans, and work-study opportunities. 

Federal grants a valuable form of financial support, are typically bestowed without the expectation of repayment. In contrast, student loans necessitate eventual repayment. However, federal loans often arrive with benefits that private loans may not extend. These advantages may encompass lower interest rates and the concept of subsidized interest, where the government covers the interest accrued while you are enrolled in nursing school. Additionally, the Federal Work-Study Program can furnish the prospect of part-time employment, enabling you to accumulate funds to support your educational journey.

Scholarships stand as another avenue for potential financial aid. Within this landscape, both nursing schools and external organizations proffer scholarships tailored specifically for nursing students. Esteemed bodies such as the American Association of Colleges of Nursing (AACN) and the National League for Nursing (NLN) extend their support through the bestowment of nursing scholarships. Parallelly, numerous other organizations also contribute to this array of scholarship opportunities. 

In essence, delving into the realm of available financial aid can substantially alleviate the fiscal challenges associated with transitioning from an MA to an RN path. By meticulously exploring the diverse options encompassing scholarships, grants, federal loans, and work-study programs, aspiring RNs can forge ahead in their educational journey fortified with financial stability. 

MA and RN Licensing and Certifications

When it comes to Medical Assistants (MAs), formal state certification might not be an obligatory requirement, as outlined by the Bureau of Labor Statistics (BLS). Nonetheless, employers often display a preference for MAs possessing a certification, such as the Certified Medical Assistant (CMA) designation offered by the American Association of Medical Assistants (AAMA). To secure this certification, individuals must be at least 18 years old, successfully pass a comprehensive exam, and fulfill stipulated criteria related to their education and practical work background. 

In contrast, all Registered Nurses (RNs) must obtain state licensure as a mandatory step. It’s advisable to consult your state’s governing nursing board to gain a clear understanding of the prerequisites. This could include undergoing criminal background checks, among other conditions. The path to acquiring an RN license generally involves two primary stages: 

  • Completion of an accredited nursing education program. 
  • Achievement of a passing score in the National Council Licensure Examination for Registered Nurses (NCLEX-RN). 

Beyond the foundational licensing, Registered Nurses also have the option to pursue supplementary certifications. These specialized designations can be obtained through professional organizations and are tailored to specific domains of nursing, like gerontology or pediatrics. Additionally, RNs might be required to attain certifications in cardiopulmonary resuscitation (CPR), basic life support (BLS), and advanced cardiac life support (ACLS), depending on their practice environment and responsibilities. 

  • *This is an offer for educational opportunities that may lead to employment and not an offer or guarantee of employment and that may help prepare students to meet the licensing or certification requirements of the field they choose to study. Students should check with the appropriate licensing or certifying body to make sure the program they apply to will help meet any licensing or certification requirements. Students should also consult with a representative from the school they select to learn more about career opportunities in that field. Program outcomes vary according to each institution’s specific program curriculum.

Trade Schools That Don’t Require a High School Diploma or GED

Trade Schools That Don’t Require a High School Diploma or GED

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Vocational institutions offer a promising avenue for various student profiles. Those inclined towards hands-on work will appreciate the skill-focused training inherent to trade schools. Individuals aspiring to pursue careers in skilled trades will value the pragmatic approach of such education. The positive aspect is that numerous trade schools have inclusive admission policies, not mandating a high school diploma or GED as prerequisites. This opens up access to a diverse range of students. Even if you didn’t complete high school, meaningful career opportunities are still within your reach through trade professions. These vacations not only offer financial rewards but also a sense of accomplishment. Additionally, you may be interested in colleges that do not required GEDs or High school diplomas

Can You Go to Trade School Without a GED or High School Diploma?

Trade schools provide an alternative educational path compared to traditional four-year colleges and universities. While a considerable number of these institutions do stipulate a high school diploma or GED as prerequisites, there are avenues available for students who lack these credentials. Certain trade schools do admit students even if they haven’t obtained a high school diploma or GED. 

If I Don’t Have a GED or High School Diploma, What are the Admission Requirements?

Admission requirements for trade schools are very different than at colleges. Trade schools are primarily concerned with their students having the skills needed for their desired trade. While some schools require students to have a GED or high school diploma, others do not. Typically, trade schools that don’t require high school diploma or GED often have different admission requirements. These can include:

  • A copy of high school transcripts
  • Certifications from skills-based training programs
  • Ability to pass a proficiency exam
  • A personal statement

What are My Options If I Don’t Have a GED or High School Diploma?

There are options for students who do not have a high school diploma or GED. It is important to research trade schools that don’t require high school diploma or GED. You may find that there are several schools located nearby that will accept you. If you cannot find any options on your own, you may want to contact the local high school. Often, the guidance counselors at the high school could provide you with more information. They could tell you more about trade schools in the area. They may also provide you with information about their admission requirements.

Penn Foster

  • Open the door to a career opportunity with from an accredited, online school offering associate, career diploma and certificate programs
  • Learn online, at a pace that is right for you in the convenience of your own home
  • Affordable tuition with customized payment plans are available to fit your current needs

In some cases, it may help to get letters of recommendation. These letters could provide personal proof of your commitment. A letter from a former teacher, colleague or employer can go a long way. These letters could offer more information about your background. They might explain why you are a good fit for the trade school you are applying to.

Am I Eligible for Financial Aid if I Don’t Have a GED or High School Diploma?

Trade schools may offer financial aid for students. Many students are able to obtain financial aid through federal student loans. However, federal student loans are only available to those who have a GED or high school diploma. Financial aid may be available to those who qualify.

If you do not have a high school diploma or GED, you may not be eligible to receive financial aid from the federal government. But, you may have options available to you. You could contact local community organizations and non-profits to find out if they have scholarship opportunities. Some of these opportunities may be available to students without a high school diploma or GED. It may take a lot of research. However, the result is worth it. Financial aid could help make it easier for you to enroll at a trade school.

What is Ability to Benefit?

According to the U.S. Department of Education, Ability to Benefit is a law that allows students without a high school diploma or GED to qualify for some financial aid. Students who qualify for Ability to Benefit may be eligible to receive Title IV funding.

Ability to Benefit is beneficial for students who do not have a high school diploma or GED. A student who had to leave school early to help provide for their family could now receive assistance to pursue their career. A student who struggled with academic work but excelled with hands-on learning can now go to trade school. Ability to Benefit could help students get the assistance they need to pursue a trade.

What Kind of Trade Schools Do Not Require a GED or High School Diploma?

There are several types of trade schools that may not require a high school diploma or GED. These types of trade schools include:

  • Community Colleges — Many community colleges offer trade school programs. Students can attend a community college, yet pursue a trade. There are several community colleges across the country that do not require a high school diploma or GED. Community colleges may offer a variety of trade school programs. These programs may include culinary, electrical, plumbing or others.
  • Beauty Schools — Some beauty schools do not require students to have a high school diploma or GED. Beauty schools prepare students to pursue a career in cosmetology. These hands-on learning programs allow students to learn the art and science of styling hair. They also may have makeup application programs.
  • Massage Schools — There are massage therapy schools that do not require students to have a high school diploma or GED. At a massage therapy school, students learn how to apply massage techniques. They may work in a salon, or in a clinical setting. Massage therapy schools offer hands-on lessons as well as online learning opportunities.
  • Nursing Assistant Schools — Anyone who wants to work in the medical field but does not have a high school diploma or GED could apply to a nursing assistant school. These trade schools train students to become certified nursing assistants, or CNAs. CNAs help nurses perform critical tasks throughout the day. They could work directly with patients. It is a great option for students who are passionate about medicine.

While some trade schools do not require students to have a high school diploma or GED, you should keep in mind state licensing requirements. You may need to earn a GED to apply for a state license. This is why many trade schools offer GED programs as well. You should research the licensing requirements in your state. This will help you select the best trade school for you.

Trade Schools that Don’t Require a GED or High School Diploma

1 Front Range Community College
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Front Range Community College is located in Colorado. This community college is known for its open admission policy. It accepts students without a high school diploma or GED. It offers a variety of technical programs. These include HVAC and Refrigeration and Welding. 

2024 Tuition & Fees

Undergrad: Out-of-state $16,974 

Students who Receive Financial Aid (2022/23)

100%

Avg. Amount of Financial Aid Awarded (2022/23)

8,755

Grad Rate

25%

 

2 Southern Technical College
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Southern Technical College is a community college in Florida that has many technical programs. Students without a high school diploma or GED can take advantage of its career pathways program. Some of its trade programs include medical assisting, veterinary assisting, electrical technology and welding. 

2024 Tuition & Fees

Undergrad: $18,500

Students who Receive Financial Aid (2022/23)

80%

Avg. Amount of Financial Aid Awarded (2022/23)

$4,224

Grad Rate

57%

 

3 Southern Technical College
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Southern Technical College is a community college in Florida that has many technical programs. Students without a high school diploma or GED can take advantage of its career pathways program. Some of its trade programs include medical assisting, veterinary assisting, electrical technology and welding. 

2024 Tuition & Fees

Undergrad: $14,742

Students who Receive Financial Aid (2022/23)

82%

Avg. Amount of Financial Aid Awarded (2022/23)

$5,823

Grad Rate

46%

 

4 Community College of Baltimore County
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Community College of Baltimore County is located in Maryland. Students without a high school diploma or GED can enroll at this community college. It has many trade programs that students can choose from. Its trade programs include contact tracing investigator training, manufacturing and more. 

2024 Tuition & Fees

Undergrad: $10,880

Students who Receive Financial Aid (2022/23)

69%

Avg. Amount of Financial Aid Awarded (2022/23)

$5,987

Grad Rate

18%

 

Penn Foster

  • Open the door to a career opportunity with from an accredited, online school offering associate, career diploma and certificate programs
  • Learn online, at a pace that is right for you in the convenience of your own home
  • Affordable tuition with customized payment plans are available to fit your current needs

5 Central Community College
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Students in Nebraska who do not have a high school diploma or GED can attend Central Community College. Students who are 16 years old must enroll in the GED program while taking classes. However, students who are 18 years old do not have to complete their GED. Some of the trade programs offered at this community college include automotive technology, dental assisting and heavy equipment operator technician. 

2024 Tuition & Fees

Undergrad: Out-of-state $4,800

Students who Receive Financial Aid (2022/23)

99%

Avg. Amount of Financial Aid Awarded (2022/23)

$6,109

Grad Rate

52%

 

6 St. Charles Community College
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St. Charles Community College is located in Missouri. This community college accepts students who do not have a high school diploma or GED. Students will find that there are many trade programs at this school. Some of those trade programs include medical billing, medical assisting, phlebotomy, personal fitness training and more. 

2024 Tuition & Fees

Undergrad: Out-of-state $5,664 

Students who Receive Financial Aid (2022/23)

77%

Avg. Amount of Financial Aid Awarded (2022/23)

$10,087

Grad Rate

22%

 

Students who do not have a high school diploma or GED have many options available. Even without a high school diploma or GED, students can apply to select schools. They can pursue an education. They could work toward a career. This is often the first step in building a new life for themselves.

For many students who do not have a high school diploma or GED, academics are difficult. They may struggle with traditional schooling. They may not have felt like they fit into a typical classroom. These students often benefit from trade programs. Fortunately, there are many technical schools that do not require a high school diploma or GED. Students who do not have a high school diploma or GED should begin researching schools in their area that will consider them. The admission requirements may vary based on the school. Students should use personal statements and essays to provide more information about their background. They can use this part of the application to share their story. These stories can provide compelling evidence. They can help prove that students are committed to succeeding. They can show that they are willing to take on a challenge. They can offer insight into why the student wants to pursue a trade as a career.

Trade schools may be a great option for all types of students. Many people who enjoy hands on work will like working in a trade. From working in a beauty salon to welding in a shop, there are options for every type of person.

Anyone who does not have a high school diploma or GED should know more about their options. There are trade schools that may accept students without a high school diploma or GED. For more information about trade schools and their admission requirements, contact us today. We look forward to helping you find the perfect fit for you.

Low GPA High SAT

What to Do If You Have a Low GPA but High SAT Score

College applications encompass a multitude of elements. Typically, you must submit the application form, your essay, and your standardized test scores. Alongside these, your GPA is a crucial component. In certain cases, students may possess a lower GPA but higher SAT scores. Here’s a comprehensive understanding of the dynamics surrounding a scenario of having a low GPA but high SAT scores. 

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Many colleges set forth specific admission prerequisites, often involving a GPA benchmark and a stipulated minimum score on standardized tests. In some cases, students facing a scenario of possessing a low GPA yet high SAT score might encounter certain limitations. Their academic profile might not seamlessly align with the established admission criteria. 

However, this isn’t a definitive setback. Students who find themselves in this situation still have avenues for admission. Precise completion of the application is pivotal. It’s crucial for students to illuminate their accomplishments wherever applicable. Supplementing their application with additional elements could prove beneficial. Collaborating with a counselor can be invaluable in this process. Counselors possess the expertise to help students portray their most impressive self on paper. 

What do Colleges Think of Your Low GPA High SAT? 

Colleges approach each student as a unique individual. While a low GPA might initially seem like a drawback, a high SAT score can be a positive indicator of the student’s capabilities. 

When evaluating an application boasting a combination of a low GPA and high SAT score, colleges often analyze trends. They seek evidence of ongoing improvement, aiming to admit students who are dedicated and motivated. Demonstrating an upward trajectory in your grades is vital. Consistent declines in GPA could potentially hinder your admission prospects. Keep in mind that various colleges maintain distinct admission standards. This aspect should be taken into consideration when deciding which schools to include in your application process. 

Does GPA or SAT Score Matter More? 

When assessing college applications, a multitude of elements come into play. Both a student’s GPA and test scores, such as the SAT, undergo scrutiny. The juxtaposition of a low GPA alongside a high SAT score might initially appear paradoxical. Nonetheless, colleges evaluate these facets differently. While some admissions officers may place more weight on GPA as a determinant, others consider it a more comprehensive representation of academic prowess. This is because a GPA reflects performance over an extended period, providing insight into a student’s consistent achievements. 

For those with a low GPA but a commendable SAT score, the situation might seem disheartening. Yet, optimism prevails. A high SAT score could underscore the individual’s potential. Moreover, aligning the trajectory of the GPA with the SAT score can present a holistic view of the applicant’s capabilities. 

Why is Your GPA Low? 

Possessing a low GPA in isolation might not necessarily be a barrier to college admission. Students grappling with a modest GPA could have the opportunity to shed light on their individual circumstances. Numerous elements can contribute to a lower GPA. For instance, students who shoulder responsibilities to financially assist their families might have less time for studying. Involvement in extracurricular commitments could also impact GPA. Furthermore, those who encountered difficulties early in high school may continue to face challenges in improving their GPA. The reasons behind a low GPA can vary widely. 

What is a Good GPA? 

A student’s academic performance is often distilled into their grade point average (GPA), usually evaluated on a 4.0 scale. According to U.S. News and World Report, numerous colleges stipulate a minimum GPA of 2.0 for admission. A favorable GPA generally falls within the range of 3.0 to 3.5, while a perfect 4.0 GPA is regarded as outstanding. 

A high school student boasting a strong GPA typically signifies the cultivation of effective study routines. Such a student is likely equipped to thrive in a college setting. Conversely, an individual with a lower GPA may need to demonstrate their potential for success. This can be achieved by augmenting their college application with additional components. It’s important to note that each college possesses its own specific admissions criteria. Hence, students should juxtapose their GPA with the prerequisites of the institutions they intend to apply to. 

Can You Prove Your Academic Preparation in a Different Way? 

Students with a low GPA but high SAT score could still show that they are prepared. There are other ways to highlight academic accomplishment on a college application. One way you could do this is to include a copy of your school records. College admissions officers might review these records, and learn more about your strengths. They may find that your GPA suffered because you struggled in science courses. On your application, you could talk about your strengths in reading comprehension and writing. If you are applying to a communications program, the college may see that you are prepared for that degree program. 

If you took summer training to improve your knowledge in a subject, you might want to add that to your application. You could show the college admissions officers that you are willing to work hard to accomplish your goals. 

How Can You Compensate with the Rest of Your Application? 

It is possible to be creative when applying to college. Your low GPA but high SAT score is not the only component. You could use your personal statement, the courses you enrolled in, and your extracurricular activities as part of your application. The point is to show you are well-rounded individual. You should show that you can contribute to the college community in many ways. You need to prove that you are up for the challenge. Use your application to show that you are willing to work hard to succeed. 

 

8 Things to do if You Have a Low GPA 

1. Provide recommendation letters

Reach out to both your teachers and school counselors to request recommendation letters. These letters hold the potential to delve into the nuances of your work ethic and academic journey. Teachers can offer insights into areas where you faced challenges and how you overcame them. It’s advisable to seek recommendations from multiple teachers, encompassing those from classes you excelled in as well as those you found challenging. By incorporating a range of perspectives, you can present a more comprehensive view of your abilities. 

Furthermore, your school counselor can contribute valuable information about your academic standing and personal attributes. This additional layer of insight can provide a deeper understanding of your character. The compilation of these recommendation letters can provide a richer context for your academic profile, offering valuable context to your high SAT scores despite a low GPA. While certain colleges may stipulate one or two recommendation letters, given your unique circumstances, it might be beneficial to consider including three or four letters. 

2. Talk about your classes

Share insights into the classes you undertook during high school. Colleges are interested in where you excelled and where you encountered challenges. Occasionally, students with strong GPAs present elite colleges with transcripts dominated by easy courses. College admissions officers also pay close attention to which subjects contributed to lowering your GPA. For instance, if math posed difficulties, they might observe a contrast between your GPA in other subjects and your performance in math classes. Your course selection throughout high school offers a more comprehensive understanding of your overall academic journey. 

3. Talk about extenuating circumstances

Include information about any extenuating circumstances that may have impacted your GPA. Various factors beyond your control could have affected your academic performance. For instance, a family crisis during your sophomore year might have influenced your mental and physical well-being, causing a temporary GPA decline. Even if you demonstrated improvement in subsequent years, your GPA might not have fully rebounded. Sharing these circumstances with colleges can provide a broader context for evaluating your academic record, potentially lessening the weight assigned to your GPA. Family deaths, illnesses, relocations, and divorces are among life events that could influence your GPA. If your low GPA stems from personal challenges, sharing your narrative is valuable. 

4. Wait to apply

Opt for later application submission to showcase GPA improvement. Early admissions doesn’t suit everyone. While some students submit applications in the summer months, others might benefit from applying later in the academic year. Delaying your application allows room for grade improvement, demonstrating a positive trajectory. Despite the later submission, you enhance your odds of acceptance by showcasing your growth and progress. Providing yourself the time to flourish might be a strategic step. Applying later, perhaps in January, February, or March of your senior year, can amplify your overall application strength. 

5. Apply to community colleges

Explore opportunities at community colleges. Depending on your GPA, initiating your college journey at a community college could be advantageous. These institutions often have more lenient GPA admission requirements and may offer specialized courses to bolster subjects where you struggled. It’s plausible that your GPA could significantly improve in this setting. After a year or two, you can consider transferring to a different college or university. Remember, your options aren’t limited to four-year institutions. Community colleges might align well with the profiles of students boasting high SAT scores despite low GPAs. 

6. Highlight extracurricular activities

Highlight your involvement in extracurricular pursuits. Presenting yourself holistically is essential, transcending mere scores. If you possess a high SAT score alongside a low GPA, underscore other facets of your personality. Your extracurricular involvements can spotlight your dedication to community engagement. If investing considerable time in theater productions led to GPA dips, this showcases your commitment. Similarly, participating in activities like school newspapers could indicate valuable skill development. Detail your participation in sports, clubs, and part-time jobs, all of which could have influenced your GPA. By sharing a comprehensive view, colleges gain a deeper understanding of your character. 

7. Talk about your interests

Discuss your academic interests outside the traditional classroom setting. Formal coursework may not accurately gauge every student’s capabilities. Those who struggle with structured classes might excel in independent academic pursuits. A student who faced challenges in algebra might spend hours engrossed in classic literature. Expressing these interests highlights your motivation to engage with academic subjects. This illustration of your intrinsic desire to learn could bolster your application, underscoring your commitment and capability. 

8. Write a personal statement

Compose a compelling personal statement. Many colleges require an essay as part of the application. Leverage this opportunity for accountability and reflection. Acknowledge your low GPA while highlighting your impressive SAT score. Provide context for the circumstances affecting your academic journey. Use your essay to infuse personality and passion into your application. Let your words convey your strong desire for admission, your aspirations, and your career goals. Paint a vivid picture of your envisioned college experience and your commitment to making the most of it. A well-crafted personal statement can significantly bolster your chances of admission. 

If you hold a high SAT score despite a low GPA, viable paths are within reach. Meticulously construct your application to highlight your strengths and multifaceted talents. Focus on showcasing your standout achievements, which often extend beyond numerical grades and test scores. 

10 Reasons to Earn a Degree After the Military

10 Reasons to Earn a Degree After the Military

Why Military Veterans Should Consider Reasons to Earn a Degree After the Military

There are many reasons to earn a degree after the military. It may solidify skills and prep you for the civilian job market. No matter where you are in your service journey, it is a step to consider. And one you may be more prepared than you think. The military provides many soft skills that may set you up for success in a civilian role. Soft skills are qualities like being dependable and having a strong work ethic. Being able to resolve conflict and adapt are a few more that employers appreciate.

Naturally, each area of service shapes different skill sets. But if you identify yours, it can make your education feel more purposeful.  

10 Reasons to Earn a Degree After the Military  

Here are ten reasons to earn a degree after the military.  

1. Pave the way to higher earnings

According to the Bureau of Labor Statistics, full-time workers aged 25 and over with a bachelor’s degree had median weekly earnings of $1,493 in 2023. Compared with workers who only had a high school diploma, that’s $809 more per week.

2. More education might equal less unemployment

Having a college degree may help you land a job. The same BLS.gov report found that full-time workers aged 25 and over with an associate degree experienced an unemployment rate of 4.6%. The rate is lower for workers with a bachelor’s degree (3.5%). For workers with a high school diploma, the unemployment rate is higher (6.2%). 

3. Your military skills may count towards college credit

In the military, you honed key technical and communication skills that may help you in the civilian job market. Knowing this, many colleges offer credit for qualified military training. So, a degree may be more accessible than you think. To get the process started, you may want to order your Joint Service Transcript so that your college can review it.

4. Adapt your skills for a civilian job

Through military service, you may have many marketable skills. Like leadership and a solid handle on how to manage time, teams and projects. That said, the military has its own style. So, attending college may help you mold your talents for use in a specific career field.   

5. Education is good for the heart 

Another reason to earn a degree after the military can be found in federal statistics which shows that education may be heart healthy. Figures show that, on average, bachelors prepared 25 year old’s live about nine years longer that those who did not graduate from high school.  

6. Score promotion points  

Points toward promotion is one of the incentives the military offers to enlisted service members when they use education benefits. The number of points varies by branch. For instance, the Army may reward Soldiers with up to 100 points toward their promotions. The Marine Corps may grant up to 75 points toward promotions. And, the Navy may award points to Sailors who have earned their degrees. These points may help you to climb the ladder in the military or prompt you to pursue a civilian career. Either way, for most entry level jobs, you need a bachelors degree (BLS.gov).

7. Find a new direction 

You may be doing a job you love in the military and want to build a civilian career in the same line of work. Or, ready to find a new path that builds on your strengths. Military veterans tend to perform well in college and choose a wide range of majors.

8. College may support your transition 

Many military friendly colleges have resources to help veterans make the leap into civilian life. You may find enrollment counselors that work to help you navigate everything from benefits to program choice. There are also online programs designed to enable you to progress towards a degree at your own pace. And from wherever you are with a computer and internet.

9. Build new networks 

A college degree may help you expand professional and personal networks. Apart from course work, there may be other resources to help you with a job search. Many colleges have workshops and dedicated centers where you can learn to optimize your resume and profiles, prep for interviews and so on. 

10. Prep for in demand career paths 

Even people already in the workforce are upgrading their skills to prep for a brighter future. Over half of adults (54%) in the workforce feel they need to add more skills to stay current and competitive in the job market. Plus, for some of the fastest growing fields, you need a bachelors degree or higher.  

Degree and Career Paths for Military Veterans

One of the key steps to landing a job, is earning the degree that help prepare you for it. Here are a few degree and career paths for military veterans.

1

Bachelors in Computer Science / Information Science

Skills: Critical thinking, complex problem solving, judgement
Career Opportunities: Information Security Analyst, Computer and Info Systems Manager, Database Administrator, Software Developer

Information Security Analyst

As an information security analyst, your primary role is to protect networks and systems from hackers and potential breaches. With the increasing prevalence of cybercrime, this field is experiencing rapid growth, projected to see a 32% increase in jobs from 2022 to 2032. Info sec analysts earn a median annual salary of $112,000 on average though salaries may vary. To enter this field, a bachelor’s degree in computer science, information assurance, programming, or a related field is a common starting point. Advancement opportunities often require candidates to have an MBA. 

Computer and Info Systems Manager 

As a computer and IT manager, you work with a business to figure out its technology goals and needs, Then, help plan and direct things like installation and upgrades. As more firms expand into digital platforms, the field should see 15% more jobs by 2032. If this interests you, many people enter with a bachelors degree, but tend to need a grad degree for more complex roles. That said, the 2022 median annual salary in this field is $164,070. 

Database Administrator 

DBAs or database administrators use software to store, secure and organize data. Their day to day may include running tests and backing up data. Job prospects should be favorable (8% by 2032) depending on the service industry. It is brightest for DBAs in computer systems design due to the popularity of cloud computing. For entry level roles, DBAs typically need a bachelor’s degree and proficiency in SQL. But firms with really large databases may prefer candidates with a master’s degree. 

Software Developer

Software developers are the creative minds who design computer programs. As an app developer, you could design things like word processors, custom software, programs and games. And as a systems deloper, you might create the operating systems that run the apps and programs. In both cases, a bachelor’s degree and skills in the industry you want to work in tend to be vital. The industry expects an average of 26% growth to 2032. Salaries range depending on job title. For example, software developers report median annual salaries of $124,200. 

2

Bachelors in Business Administration

Skills: Time management, systems thinking, problem solving
Career Opportunities: Management Analyst, Logistician, Market Research Analyst 

Management Analyst

Many management analysts consult with businesses to help them become more efficient and productive. So, above all, their day tends to include lots of problem solving and finding ways to control costs. These skills are valuable in health care, IT, gov’t and beyond. As a result, demand should reach 10% by 2032, which is much faster than average. Also above average are median annual salaries which in May 2022 were $95,290. While a bachelor’s degree is the common entry point, many employers also look for candidates with an MBA. 

Logistician

As a logistician, you have to analyze and track a business’s supply chain. In fact, you may have to manage the entire life cycle of a project from design to transport. You could prepare for this path with a bachelor’s degree in business, systems engineering or supply chain management. The projected projection is to grow 18% by 2032. Salaries in this field range, but the median annual salary is $77,520 per year. 

Market Research Analyst

One way you could blend business and communication skills is as a market research analyst. Market research analysts study trends to see if a product or service will sell well. They also help companies understand their target markets, what clients want and the price they will pay for it. Since companies rely on this info to turn a profit, the industry forecasts 13% more growth to 2032 and pays an median annual salary of $68,230. If this interests you, it is likely you will need a bachelor’s degree and head for math. 

3

Bachelors in Nursing

Skills: Critical thinking, emotional stability, attention to detail
Career Opportunities: Registered Nurse, Nurse Manager, Health Educator

Registered Nurse

As a registered nurse, you play a vital role in patient care. Beyond doing a health intake, RNs administer medicines and treatments. RNs also teach patients how to manage their condition, perform diagnostic tests and consult. Depending on your interests, you might also hone specific patient care skills to work with a particular group. Critical care for example, or addiction. The demand for RNs should add 6% more jobs by 2032 in gov’ts, hospitals, rehab centers and beyond. In all these settings, the median annual salary is $81,220. 

Medical and Health Services Managers

With the shift of healthcare services to office settings, the demand for medical and health services managers is projected to increase by 28% from 2022 to 2032. These managers are responsible for overseeing departments, facilities, or clinical areas, requiring skills in budgeting, staffing, and organization. While a bachelor’s degree is typically required to enter the field, some positions may require a master’s degree. Salaries vary depending on education level, with the median annual wage for medical and health services managers averaging $104,830 in May 2022. 

Health Educator

If you prefer to teach people about healthy behaviors, a career as a health educator might interest you. Health educators collect data to figure out how to promote wellness to specific groups. This may mean informing people how to avoid diabetes or stroke. Or, advocating for better health resources and policies. The field expects 7% more jobs by 2032 as there’s a need to help people avoid costly diseases and procedures. Some people earn their degree in health education or health promotion. Though there are positions that entail a masters or doctorate. With the range in roles, the median annual wage was $59,990 in May 2022. 

4

Bachelors in Criminal Justice

Skills: Communication, leadership, good judgement
Career Opportunities: Police and Detectives, Emergency Management Director

Police and Detectives

The primary responsibility of police officers and detectives is to solve crimes. In this role, you collect various facts and evidence from crime scenes to piece together the puzzle. If you have a passion for problem-solving and ensuring public safety, the demand for investigators remains steady. The employment outlook for police and detectives is projected to grow by 3% percent from 2022 to 2032, which is slower than the average for all occupations. As of May 2022, the median annual salary for police and detectives was $69,160.

Emergency Management Directors

As an emergency management director, your composed demeanor is crucial during crises. In this role, you’ll be responsible for developing tactical plans to respond to various disasters and emergencies. Given its significance across sectors, the field is expected to grow by 3% from 2022 to 2032. Due to the complexity of the job, a bachelor’s degree and relevant experience are essential. Some individuals pursue a degree in criminal justice with a focus on EM, while others opt for alternative paths like public administration. Upon graduation, you could earn a median annual salary of $79,180, depending on the sector. 

5

Bachelors in Accounting / Finance

Skills: Attention to detail, math, analytical thinking
Career Opportunities: Accountants and Auditors, Cost Estimator, Financial Analyst

Accountants and Auditors

As an accountant or auditor, your expertise in math and detective work comes into play as you investigate financial crimes such as securities fraud, embezzlement, and contract disputes. This career path may also involve collaborating with law enforcement as an expert witness. If this piques your interest, obtaining a degree and working towards CPA status can be beneficial. The field is expected to experience a 4% growth by 2032. While salaries vary, accountants earned a median annual wage of $78,000 in May 2022. 

Cost Estimator

A cost estimator evaluates the time, resources, materials, and labor needed for a project. Often serving as project managers, they oversee the planning of entire jobs in various fields like construction or IT. While the demand for cost estimators is projected to decline by -3% from 2022 to 2032, the pay levels vary across different industries. On average, cost estimators earn a median annual salary of $71,200. 

Financial Analyst

A financial analyst is an expert who assists businesses in making investment decisions. They evaluate stocks, bonds, and provide recommendations to strengthen portfolios. Typically found in banks, pension funds, and securities firms, a degree in accounting or finance is essential for this profession. Additionally, certifications such as the Chartered Financial Analyst (CFA) can prove advantageous. With an expected 8% job growth by 2032, financial analysts earn a median annual salary of $96,220. 

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*https://nces.ed.gov/programs/digest/d20/tables/dt20_311.15.asp

Sources for school statistics is the U.S. Department of Education’s National Center for Education Statistics.

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This is an offer for educational opportunities, not an offer for nor a guarantee of employment. Students should consult with a representative from the school they select to learn more about career opportunities in that field. Program outcomes vary according to each institution’s specific program curriculum. Financial aid may be available to those who qualify. The financial aid information on this site is for informational and research purposes only and is not an assurance of financial aid.

1 You must apply for a new loan each school year. This approval percentage is based on students with a Sallie Mae undergraduate loan in the 2018/19 school year who were approved when they returned in 2019/20. It does not include the denied applications of students who were ultimately approved in 2019/20.

2 This promotional benefit is provided at no cost to borrowers with new loans that disburse between May 1, 2021 and April 30, 2022. Borrowers are not eligible to activate the benefit until July 1, 2021. Borrowers who reside in, attend school in, or borrow for a student attending school in Maine are not eligible for this benefit. Chegg Study® offers expert Q&A where students can submit up to 20 questions per month. No cash value. Terms and Conditions apply. Please visit http://www.chegg.com/legal/smtermsandconditions for complete details. This offer expires one year after issuance.