College Decision, 2014

Friday, January 24, 2014

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GufllfCoastNewsToday.com

Friday, January 24, 2014

2014

Photo courtesy of the University of Mobile

Table 4

5 10 14

of

College application no-nos How to avoid a roommate nightmare

Contents 15

8 foods to boost brainpower

18

Helpful apps for college students

College life on a tight budget Being a part of your campus Choosing a college major

Discovering college through research apps

19 20

Help, I have student loans!

A word from the students

A Gulf Coast Newspapers specialty publication

Friday, January 24, 2014

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Baldwin EMC commited to helping students As the cost of living continues to increase, naturally so do other expenses. College tuition is no exception.

It’s no surprise that many students are unable to meet the cost of higher education.

Baldwin EMC is committed to helping our local high school students by offering college scholarships.

Through our scholarship programs such as Operation Round Up and the Electric Cooperative Foundation, we are able to provide college-bound students with essential financial support to help them achieve their academic goals.

The Baldwin EMC Charitable Foundation College Scholarship is our most financially rewarding scholarship.

Funded through Operation Round Up, the Charitable Foundation College Scholarship can provide a student as much as $3,750 annually to pursue a higher education.

The scholarship is based on the applicant’s academic achievements and financial needs. Applications for the Charitable Foundation scholarship are available at Baldwin EMC or at www.baldwinemc.com. Completed applications are due by 4:30 p.m. on February 28, 2014.

College Decision 2014 n 3

Go ahead.

Dream big.

Let us heLp.

SCHOLarSHiPS are WaiTiNg FOr YOU You might not make a connection between your power company and your dreams of higher education.

In cooperation with our statewide organization, the Alabama Rural Electric Association (AREA), we are also able to offer annual scholarships through the Electric Cooperative Foundation, Inc. Available for any high school senior who is a dependent of a member of Baldwin EMC, the Electric Cooperative Foundation Scholarship awards two $500 scholarships. Applications for this scholarship are available at all three Baldwin EMC offices or online at www.baldwinemc.com. They must be received at AREA no later than March 14, 2014.

If you’re a member of Baldwin eMC, you should.

If you or your son or daughter is hoping to pursue college in spite of financial obstacles, Baldwin EMC can help. Go to www.baldwinemc.com or come to one of our offices in Summerdale, Bay Minette or Orange Beach to see how a scholarship from Baldwin EMC can help you.

• Deadline: Friday, February 28, 2014.

that’s because your cooperative offers scholarship opportunities for local students hoping to pursue a college degree.

OPeraTiON rOUND UP: • available to any student in Baldwin eMC’s service area who is currently enrolled or plans to enroll in a college, university, trade school or community college. applications are available in any Baldwin EMC office location, or at www.baldwinemc.com.

eLeCTriC CO-OP FOUNDaTiON: • available to any high school senior who is dependent upon a member of Baldwin eMC. applications are available in each of Baldwin EMC’s offices, or at www.baldwinemc.com.

• Deadline: Friday, march 14, 2014.

(251) 989-6247 www.baldwinemc.com

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Friday, January 24, 2014

College applications no-no's

Filling out college applications can be long, tedious and stressful. However, mistakes that seem like tiny errors to you can stand out to admissions offices. Take the time to re-edit and review your college application with these helpful application no-no's.

Don't submit without proofreading

Yes, it's impressive that you have an international baccalaureate degree, but not if you call it an “international bachelorette” on your application. Spell check is very important in editing an application. Most word programs have a spell check available. Take advantage of your editing tools! Also, be sure to double check before hitting the submit button. Neglecting to profread can send some applicants to the rejection pile.

Don't overlook simple instructions

C

Following instructions is important while filling out an application. The application mayB seem endless, but be sure to put the checkmark in the correct box for your race, visa status and sex. Don't write your address in the phone number line. h

Don't let mom and dad take charge

It doesn't show independence when the admissions office gets 20 phone calls from a con-l cerned parent. Take action in your college decision and try to keep your family’s contact withc the university at a minimum. Play a large role in the admissions process. It shows indepen-i dence, and that's what most colleges are looking for.

R

Don't wait until last minute

It's possible for things to get lost in cyberspace. It's a good idea to send your application in at least a few days before the deadline to make sure everything is transmitted and received.

College Application Checklist Early Deadline Regular Deadline Application Sent Financial Aid submitted High School Report Sent Transcript Requested Teacher Recommendations Test Scores Sent Interview Required Y/N

Roommate Horror Stories The True Tales of Terrible Roommates

“M

y old roommate lived on the couch even though she had a bedroom. The other roommates and I confronted her many times about cleaning up after herself in the living room, but she refused. Her uncleanliness got so bad that she eventually went out and bought all plastic utensils, cups and paper plates just so she didn’t have to wash dishes.”

“M

y roommates would not allow anything besides the furniture that came furnished with the apartment in the common areas. I would come home to find belongings of mine that I had put in the living room beside my bedroom door, including things I felt were normal to keep in a living room such as a throw blanket for the couch. The worst part is they would never tell me it bothered them, but would leave angry sticky notes on my door instead.”

“T

his girl I lived with had 7 a.m. classes so she was up earlier than me every morning. My room was below the kitchen and every morning she would stomp as loud as she could while cooking breakfast and making smoothies.”

“S

o the first night she and I lived together, I wanted a quiet night before beginning rush the next day. Driving home from class, I got a text from my roommate saying she had invited people over and hoped that was OK. I got home and there were six random men in my apartment drinking and being loud. They had cooked my food and completely wrecked the place. I was so mad and it ruined the night. I ended up locking myself in after I had a chat with my roomie and told the strangers where the nearest motel was.”

B

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How to avoid a roommate nightmare S

By Destiny Brown Some of your happiest times and fondest memories of college can include your roommate, who can become a good friend. On the other hand, it may be hard to transition from the comfort of your childhood home to living in a one bedroom dorm with a stranger. The adjustment can be overwhelming and bring out the worst in you. Here are some solutions to the situations you may run into with your new roomie.

Have a weekly cleaning schedule

When the room looks like a hurricane just hit, it might be a good time to talk to your roommate about a cleaning schedule.

A weekly schedule that lists what needs to be done and assigns each task could be a solution. You might want to take turns cleaning the whole place each week. Neither you or your roommate want to live in a mess, so go invest in that bottle of Windex and some paper towels.

Set a shower schedule

There's one shower. This may sound like a crisis, but it can be handled if you and your roommate set up a schedule for the shower. Having a daily shower schedule makes sure everyone gets to class clean and happy.

Address things when they're small

Addressing small things is much easier than addressing them after they've become big. Approach your roommate in a calm manner rather than attacking and nagging at the problem. If your roommate is always borrowing your clothes and forgetting her stuff in the shower, address the situation before it blows up. Addressing things that bug you while they're still small can help your roommate be aware of something she may not otherwise know.

Having friends over

When you have a test the next day, you don't want your roommate to invite her entire sorority over for a Grey’s Anatomy marathon. You and your roommate should set up nights where you can have the place to yourselves and your friends.

Be mindful of how often you bring people over. The best time to have company is when your roommate will be at the library studying for a test or has another engagement. Clean

Photo courtesy of the University of Mobile

up after your company.

Lights out time

It's 2 a.m. and your roommate is Skyping with a friend from home. Rather than throwing pillows, the two of you could set up a lights out time. Have a mutual understanding that no one wants to hear the other gossip into the night when studies are on the line.

My food, your food

To avoid any food conflict, it's always a good idea to write initials on food items. There will be less confusion to who bought that can of Pringles. Don't borrow, use or take anything without getting permission first.

Be friends

To be good roommates, it’s better to be friends. Find an activity you both can do together once a week. Run together, cook together, have a game night, or discover a fun on-campus activity. However, don't attach to your roommate as your only friend. Make sure you have your own social circles.

When to start looking for next year?

You should have your next place chosen 60-90 days before move out day. If you're looking for roommates, anytime is a good time to start looking for a good one. Whether your roommate is a friend from home or a random roomie, it's best to choose someone who you can trust to pay the bills on time!

Friday, January 24, 2014

GufllfCoastNewsToday.com

College Decision 2014 n 5

Spending of an average college student 4% Books and Supplies

3% Transportation

8% Other Expenses

40% Entertainment

19% Tuition and Fees

College life on a tight budget

By Destiny Brown

College is a time in life when you realize just how broke you are. It's helpful to know how to maintain a budget while also discovering your away-from-home freedom.

Many things influence a student’s budget. Working a part-time job, commuting or living on campus, help from mom and dad, eating on or off campus, and more expensive classes are a few factors that can vary a student’s budget. There are many things to take into consideration to make sure you don't spend all of your grocery money in week one.

26% Room and Board

Record of Expenses

Keeping a record of all expenses is helpful in keeping up with how much you spend per week. Setting a weekly budget for yourself for different costs (food, gas, outings with friends) will help you see where to draw the line when you've spent too much for the week. Keeping a record will also hold you more accountable for extracurricular spending.

The most important thing is to keep your spending priorities in line. It's a good idea to have some money saved up for a rainy day.

Buying and Selling Textbooks

Instead of buying that $150 mandatory textbook you need for your biology class upfront at the bookstore, try online first. Amazon, eBay, bigwords.com and other sites can direct you to many discounted new and used books. Many campus bookstores offer renting books instead of buying. At the end of the year, sell your books back to the bookstore, to another student or sell them online. You should get most of your money back for an undamaged book.

Transportation

Many campuses offer transportation to and from campus. If this is the case, take it!

Rather than wasting gas on driving to and from campus multiple times week, hop on the transit and get there the cheaper way. Save the gas for that trip you’re taking with friends this weekend. If a transit isn't available on campus, ride with others. Carpooling and pitching in gas money is a lot cheaper than filling up your tank solo. Bikes are also a fun ride to campus, and you can get fit in the process.

Student Discounts

Some movie theaters, restaurants, and even clothing stores around most campuses offer student discounts. Usually they require a valid student ID. Most business like to help out hungry, underdressed college kids and appreciate your business.

Cost breakdown (in the 2013-2014 school year) Housing and Meals Private College Public College

$10,830 $9,500

Books and School Supplies Private College Public College

$1,253 $1,207

Entertainment and Transportation Private College Public College

$2,580 $3,228

Sources: Collegedata.com, O’Donnell & Associates, LLC College Student Spending Behavior, Monthly Labor Review, Student Monitor Spring 2006 survey of 1,200 students on 100 campuses nationwide

IS TODAY THE DAY

Welcome to FORTIS. At FORTIS, students are provided the skills and training needed to enter careers in industries that have employment opportunity over time. What industries you ask? FORTIS offers career education and training programs in the dental, medical assisting, pharmaceutical and medical office administration. That makes Fortis a post-secondary network of colleges and institutes with a wide variety of educational choices!

FORTIS provides education and training for qualified applicants with the desire to better their career opportunities regardless of previous educational background. With over forty FORTIS campus locations across the country in Alabama, Arizona, Florida, Georgia, Indiana, Louisiana, Maryland, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah and Virginia, more students have the opportunity to experience the FORTIS Difference!

Call Toll Free

1-855-4-FORTIS www.fortis.educ

YOU IGNITE YOUR FUTURE?

If you have the spark, we have the programs to guide you toward a rewarding career. FORTIS offers programs in the following areas:

Healthcare/Medical Dental Assisting Pharmacy Technology

IGNITE YOUR FUTURE

CALL 1.855.445.3276 TEXT “IGNITE” TO 367847

FORTIS.EDU

FORTIS COLLEGE

3590 PLEASANT VALLEY ROAD • MOBILE, AL 36609 Financial Aid Available for those who qualify. Career Placement Assistance for All Graduates.

For consumer information, visit Fortis.edu.

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Your New Beginning

Friday, January 24, 2014

www.genesiscareer.edu

1-800-NEW-PATH (1-800-639-7284) • 251-445-8900 7241 Dolphin St. • Daphne, AL

Just 20 minutes across the bay from Mobile, Daphne is part of a community of small beach towns in Lower Alabama. The only accredited college in Baldwin County, Genesis Career College offers Cosmetology and Nail Technology programs. We are located off Highway 98, about 3 miles south of I-10.

Using an educational framework that places emphasis on the needs of the student, highly qualified instructors teach through a combination of practical theory and hands-on technique. You will find the staff to be incredibly friendly and intent on providing the best experience possible while you are in school.

Accreditation

We take accreditation very seriously. Being an accredited institution means that Genesis Career College adheres to a series of strict guidelines that ensure the quality of our programs.

Genesis Career College is authorized by the Tennessee Higher Education Commission This authorization must be renewed each year and is based on an evaluation by minimum standards concerning quality of education, ethical business practices, health and safety, and fiscal responsibility.

Programs Cosmetology • Nail Technology Instructor Trainee Financial Aid

At Genesis Career College we offer financial aid to those that qualify. These programs can help you afford college through any combination of grants and student loans. We are a participant in the Title IV Federal Student Financial Aid program. The Financial Planner at each individual campus will assist you in completing your free application for Federal Student Aid. My name is Elizabeth Lemieux and I am a graduate of Genesis Career College, twice. At 38 years of age, I found myself going through a very traumatic divorce. I had no formal training or education, just a high school diploma. Over the course of my life, I had repeatedly looked into cosmetology programs, yet my fear of not being able to succeed and my exhusbandʼs unwillingness to incur student loans prevented me from ever pursuing my dream.

On March 4, 2010, I signed my preliminary paperwork for admittance to GCC. The facility was beautiful and the staff welcoming. I delayed my start until August in hopes that my focus would be on school, not on my children being home alone. In the 5 months leading up to my start, I grappled with my decision, wondering if it was the right one. On several occasions I thought about not starting. It was when a friend sang, “Beauty School DropOut,” that decision was made. I am not a quitter. I started the next Tuesday: August 17, 2010. My life has never been the same.

I made it through the program with Academic Excellence and a Student of the Month achievement. A local salon courted me after seeing a cut and color that I did on the salon floor, so I was excited about the future and my place as a cosmetologist. On August 17, 2011, I clocked out for the last time as a student. It took one year to the day to accomplish my dream. Now, my destiny was up to ME! I waited my required one year and returned to Genesis Career College as a student instructor. This road was just as bumpy as the first. The salon owner that I was working for at the time, as well as her lead stylist, both told me I did not have the experience necessary to be an instructor; they did not support my decision to further my education. Again I almost quit before I ever even started. Thankfully, on December 18, 2012, my mama told me, “Elizabeth, teachers learn by teaching. Do NOT doubt your ability to do this.”

With this reverberating through my head, once again I walked through the doors of Genesis Career College.

I clocked out for the final time as a student on August 21, 2013. There are students I know I impacted in their desire to be a stylist, and there are students that impacted me in my desire to get my Instructorʼs license. I am so glad I did not let fear keep me from following my dreams.

On November 4, 2013, I began a dream job as a district leader for Baldwin County SmartStyles. In my new job, I get to utilize my both my cosmetology and my instructor licenses. My ten year plan was realized in three and a half years. Genesis Career College and their staff pushed me to endure, and endure I have.

If you have a dream, follow it. If you have a will, you will find a way.

I picked cosmetology as my career because I love making people feel good about themselves. Genesis Career College in Daphne was the first school I picked; it was close to home, allowing me to be active at school without a long commute. The cost of attendance was affordable and the campus had great reviews. All of these things cemented my decision to attend.

The time I spent at school was a little hard. I had several potential obstacles in my way: a full time job, a full time class schedule, and on top of this I was newly married. Although I had to make it all work together, I am so glad I did. The learning experience at Genesis Career College was great. I loved all of the instructors on campus. They were an extremely important part of me becoming a successful cosmetologist, and they helped me become the person that I am today. Genesis Career College not only got me ready for graduation and licensing, but they helped me find my job. Iʼm now working as a stylist at Salon Karma, and I love it! I haven't worked in a better place, and Iʼm glad for the experiences that brought me to this point in my life. I love the joy and passion I get from working in the cosmetology industry, and one day Iʼd like to pass that along to students who, like me, will benefit from caring and knowledgeable teachers. I plan to return to Genesis Career College after Iʼve been licensed for at least one year, and pursue the cosmetology instructing course. I hope to follow in the footsteps of the instructors who so strongly impacted my life.

— Emily Erskine

Contact Us Today at www.genesiscareer.edu//contact-us/ for a tour of the Genesis Career College Daphne Campus!

Friday, January 24, 2014

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College Decision 2014 n 7

The Daphne Campus 7241 Dolphin Street Daphne, AL 36526

Enroll Today

Phone 251-445-8900

Flexible Schedules

Cosmetology

Financial Aid Is Available For Those Who Qualify Apply Online www.genesiscareer.edu For important consumer info about our programs, please visit www.genesiscareer.edu/consumer/info

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Friday, January 24, 2014

ALABAMA ST STATE TTATE ATE UNIVERSITY UNIVE 2014 COLLEGE GUIDE

New programs. New facilities. Rich traditions.

E

ASU offers students a world of opportunities.

arning patents for its research in nanobiotechnology and hosting a first-of-its-kind nuclear protection academy to educate and train nuclear and energy facility security professionals worldwide are only two examples of Alabama State University’s bold vision to build on its 146-year history of excellence in teaching, research and public service.

Simply stated, a renaissance is underway at ASU that is transforming the institution both physically and academically, while demanding that one take a fresh look at the University.

Leading the way are programs in prosthetics and orthotics and in nanobiotechnology. ASU is the only university in Alabama to award the Master’s of Science in Prosthetics and Orthotics degree, preparing graduates to serve patients effectively through an applied clinical and research curriculum. The program is one of only 13 in the nation.

Reaching beyond domestic borders, ASU’s Center for NanoBiotechnology Research (CNBR) has earned millions of dollars in grants from the National Science Foundation and offers students global opportunities. A research and exchange program with China’s Yangzhou University continues to prosper as a result of ASU’s leadership in the STEM fields. “ASU is a pioneer in nanobiotechnology,” says Dr. Xinan Jao, president of Yangzhou University.

Another partnership between ASU’s CNBR and the UK’s Aston University is focused on nanotechnology applications in drug delivery and vaccine development to help treat diseases like influenza. Similar partnerships exist with South Korea and India, among others.

Meanwhile, new academic buildings, residence halls and the new student life building have transformed the 172-acre campus, blending the University’s rich heritage beautifully with modern architecture. Projects include a new student center that houses restaurants, a movie theatre, cyber lounge and game room. The New ASU Stadium boasts 26,500 seats, 20 skyboxes and a giant, high definition LED display board that has Hornets fans swarming to support their team.

And what would the HBCU experience be without exciting traditions? The Hornets play in the longest-running (Turkey Day Classic) and the largest (Magic City Classic) HBCU football classics, drawing more than 100,000 fans to these historical events.

With new facilities and new programs, an expanding global impact and a record enrollment of more than 6,000 diverse students, ASU offers more opportunities than ever before. If you haven’t seen ASU lately, you haven’t seen ASU!

To find out more about Alabama State University, call 800-253-5037 or visit alasu.edu.

Friday, January 24, 2014

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College Decision 2014 n 9

If you haven’t seen ASU lately, you haven’t seen ASU. 10 Reasons to Take a Closer Look at Alabama State University.

1 Academic Expansion

- ASU has more than 51 academic programs and has added seven new graduate and undergraduatedegree programs over a 3-year period, including the Master of Science in Prosthetics and Orthotics (one of only 13 programs in the country), the Ph.D. in Educational Leadership, Policy and Law and the Ph.D. in microbiology.

2 Award-winning Faculty

- ASU’s dynamic faculty includes award-winning professors and talented researchers, who have gained national and international recognition for their contributions.

3 Economic Impact 4 Record Enrollment 5 Campus Growth

- ASU has an annual impact of nearly $1 billion on Alabama and the River Region.

- ASU enrolled a record 6,076 students for 2013-14, representing 42 states and more than 28 countries.

- ASU has completed $250 million in construction projects over a 5-year period, including new academic buildings, new residence halls, a new student center and an oncampus stadium.

6

Global Partnerships - ASU has growing partnerships with countries such as China, South Korea, China, India, Africa and Scotland, providing exchange opportunities for faculty and students.

7 Championship Athletics

- ASU’s track, cross country and men’s golf teams have won multiple SWAC championships over the past four years.

8 Nuclear Training Academy

- ASU will provide training for individuals who will protect nuclear facilities across the United States and abroad.

9 Endowment

- ASU’s endowment has reached $82 million, allowing the University to provide scholarships and other financial support for students.

10 Classic Traditions

- ASU Hornets play in the oldest (Turkey Day Classic) and the largest (Magic City Classic) HBCU football classics, drawing more than 100,000 fans to these historical events.

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Friday, January 24, 2014

Not sure

where

to start?

Look into these popular college organizations and volunteer opportunities

SGA

A student government association is a student organization present in many colleges and universities.

SGA is the students’ union and often voices the student body’s concerns about building on the campus, organizational activities and academic support. Universally, the purpose of a students’ union or student government is to represent fellow students in some fashion.

Homecoming Council

Homecoming is a big week for most campuses. From helping build floats, to painting signs, to getting fellow students pumped at the pep rally, there are many ways to get involved with your school’s big homecoming week.

Intramural Sports

Intramural sports programs are sports that are played among students at your school.

If you miss the sports you played in high school, intramural sports are great option because they allow competition, contact and games with others within your skill and school.

College newspaper

Many college newspapers love freelancers for writing and photography. Ask if you can help out!

Cultural and Religious Groups

Many churches offer campus organizations. With weekly meetings, potlucks, game nights and Bible studies, religious groups are a great way to meet new people and to grow in your faith.

Greek Life

Joining a fraternity or a sorority is another common way to meet new friends. Spending hours a week with these people can form lifelong friendships — just make sure you have the time to dedicate! Greek organizations require plenty of meetings, but also chances to join friend groups, philanthropies and an organization that will shape your skills for the future. Greek organizations also hold many events throughout the year that look for volunteers.

Photo courtesy of Faulkner State Community College

Being a part of your campus

By Destiny Brown A variety of organizations, clubs, volunteer groups and activities are offered to help freshmen take that first step into being a part of a campus.

Being involved in campus organizations and clubs can expand your friend group as well as your chance to discover what you’re all about.

“In being involved you build memories, long lasting friendships and you build yourself up for something greater than what you even planned from the beginning,” said MacKenzie Tobin, sophomore in elementary education at Faulkner State Community College.

Tobin leads a Fusion Small Group, a small Christian youth bible study group, on Faulkner’s campus.

Rather than passing up that cool Sailboat Club booth you spotted at the college fair, take action and join any organization you feel you can handle.

The more you join, the more you’ll discover your interests and try new things.

“You can be in just one or you can join all of them.

There’s no reason to hold you back from experiencing something you enjoy doing,” Tobin said. ”You find not only your best friends, but you find yourself in the process. It’s just a great way to have fun while you’re away from your studies.”

Don’t just sign up and avoid all of the meetings. Being an active member in an organization not only teaches you about time management, but also about getting involved and building communication skills. Build your reputation as being the member who never

Photo courtesy of the University of Mobile

missed a meeting, and others will follow your dedication.

A number of organizations provide various opportunities for active members. Many clubs offer members a chance to attend trips to conferences and to visit different cities.

Volunteering is a great way to get involved on campus as well as help out your community. Many Greek organizations hold annual philanthropies that usually connect with

volunteer groups. Volunteering looks great on an application or resume, and it’s what stands out to some colleges.

“Volunteering will not only look good on your transcript for a university, but the feeling you receive during and after volunteering just leaves you with the thoughts and feelings that you have made a difference in someone’s life,” Tobin said.

Whether you’re volunteer-

ing to stand out on a resume or enjoy giving back to your community, all groups appreciate volunteers, so ask around campuses for chances to help.

There are other perks to volunteering on campus.

“It is extremely important to get involved on campus.

It gives you an excuse to not ever be bored!” said Tobin.

“There’s many different clubs or organizations that you can join.”

Friday, January 24, 2014

GufllfCoastNewsToday.com

College Decision 2014 n 11

Do What You Love !

The ONLY Massage & Esthetics Programs in Mobile

by Richard Denney, director

Dominating the training in the industries of massage therapy and the skin care / esthetics, Blue Cliff Career College continues to lead the market with its graduates. “This is all we do--We specialize in this market.” Spa and medical facility managers appreciate the expertise of our specialized training.

Many people seeking jobs in the massage and spa industry find themselves applying at businesses and salons that are either owned, managed or worked by Blue Cliff graduates or previous instructors. Examples: Elements, Massage Envy, The Battlehouse Spa, The Grand Hotel...

Stress and health issues are a driving force in the wonderful demand for the skills of Blue Cliff graduates. Therapists who work for themselves often charge $50 to $70 per hour, while jobs with spas and hotels often result in $30 per hour and franchises often produce $15 per hour. Massage therapists offer fast and affordable help with today’s stress, aches and pains.

Job opportunities exist for massage therapist in places including salons, hotels, cruise ships, athletic clubs, day spas and their own private similar. Estheticians work in similar places but also have opportunities in dermatologist offices and laser centers.

With quick access to I-10 and I-65, our college is conveniently located one block east of Bel Air Mall in Mobile, our 14,000 square feet facility is like the Grand Hotel and is spacious and quite beautiful.

WHAT DOES IT TAKE TO SUCCEED IN THESE CAREER FIELDS. We provide our students with the “Hands - On” training and tools to get state licensed and to obtain some pretty remarkable jobs. But what does it take to succeed? It takes individuals with the following: work ethics, excellent character, interpersonal skills, communication skills, compassion and one of the most critical elements is PERSONALITY.

MASSAGE THERAPY PROGRAM: Relaxing and stress reducing techniques including: Swedish, Deep Tissue, Hawaiian Lomi Lomi Medical Techniques: Neuromuscular therapy, Shiatsu/Acupressure, Medical massage helping to treat conditions such as stiff neck, ache back, carpel tunnel syndrome, tennis elbow, sciatica and more Sports Massage and special populations massage including pregnancy and elderly.

Learn techniques for: Stress reduction, relaxation and pampering,

Call Today! 251-473-2220

The AFFORDABLE CHOICE for a COSMETOLOGY Program in Mobile

Competitors are often $6,000 to $7,000 or more expensive. How does Blue Cliff do it?

Well, unlike many of the competing schools, Blue Cliff Career College offers high quality training that is locally owned and operated. This proves to be a pain or a drain to national chain schools that have a money making “system” of training that results in higher prices and many times more student debt.

Avoiding high student debt and obtaining high quality education from people who care should be some of the top considerations of people interest in the beauty, spa and medical massage industries.

Our Cosmetology program teaches numerous hair cutting and styling techniques, hair color, weaving, extensions, highlights, manicures, pedicures, waxing, make-up, facials, men’s hair, children’s hair, women’s hair of all kinds.

The program includes hair shows, contests, numerous demonstrations from instructors as well as guest presenters from local salons and from national organizations such as Chi or Redkin.

Premier Cosmetology Training at a lower cost. Save up to $7,000 ESTHETICS PROGRAM Learn a wide variety of techniques to include spa therapies and numerous medical treatments to include: Microdermabrasion, chemical peals, laser treatment theory, waxing, make-up, deluxe facials, eye brow and eyelash extensions and more.

OUR VISION IS TO HAVE OUR GRADUATES POSITIONED AS “PREFERRED HIRES” BY EMPLOYERS. We provide our students with the “Hands - On” training and tools to get state licensed and to obtain some pretty remarkable jobs. But what does it take to succeed? It takes individuals with the following: work ethics, excellent character and personality.

HOW? -- A VARIETY OF TECHNIQUES Impress your future employers with techniques learned at Blue Cliff Career College.

FINANCIAL AID & SCHOLARSHIPS AVAILABLE

(For those who qualify) Special financial options and scholarships are available for high school seniors. Come tour the school and find out about scholarship and early enrollment incentives and contests.

www.facebook.com/bluecliffcareer

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Cosmetology • Massage Therapy • Esthetics

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• High Quality Training • Accredited College, ACCSC • Family - Friendly Atmosphere • Sophisticated Training Facility • Job Placement Assistance • Locally Owned & Operated • Caring Faculty & Staff • Comprehensive Training • Spirit-filled Christian College • Day and Night Classes Available

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1500 Hour Program is designed to prepare students for entry level employment in a Salon or Day Spa environment with a focus on hair, skin, and nail services.

• Day Classes: 8:30am to 3:30pm Mon.-Fri. • Night Classes: 6:00pm to 10:00pm Mon.-Fri. • Finish in as little as 12 Months • Quality Instruction emphasizing international trends and modern artistry.

Blue Cliff offers the only Massage therapy and esthetiCian prograMs in the MoBile area.

Call Today!

251-473-2220

12 n College Decision 2014

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Friday, January 24, 2014

Our Belief is in You! At the University of Mobile, our belief is that amazing things happen in our students’ lives when academics and character collide. That’s why our academic programs do more than teach you lessons in the classroom — they encourage you to step out into the community and use your knowledge and talents to impact the world.

Why is making the best college choice so important?

Our belief is that higher education for a higher purpose does more than educate your mind — it also expands your heart and empowers your soul. Choosing the right college is a major step toward preparing you to make a real difference in this world.

Our belief is that you can achieve something that you know and feel is meaningful and impactful. We know we can be a big part of that.

Our belief is in you.

Belief in Quality

Now is the perfect time to drive across the bay and check out a great university that has been selected in “America’s Best Christian Colleges,” chosen for University of Mobile was founded in 1961 and is recognized in “America’s Best “America’s 100 Best College Buys,” and recognized as a “Military Friendly Christian Colleges” and “America’s Best College Buys.”

School.”

And here’s another great reason to visit — you could receive a $2,000 Visit Day Scholarship.

You may schedule at a time that is convenient, or sign up for our special Visit Days on by faculty and staff, and with the advice and support of upperclassmen Peer Leaders.

Free tutoring is available in the Chora Godwin Learning Center, and our Student Jan. 31 and March 21 for potential students and their families.

Success Center will assist you with everything from identifying your interests and talents Visit Day includes campus tours, individual meetings and group sessions where you’ll to counseling, preparing a resume, and practicing interviewing skills. hear from our current students and get a real look at college life.

There are special sessions on financial aid — and we offer some amazing scholarships Belief in Experience and financial aid packages that make our private college much more affordable than most Our students learn leadership by leading. You can work side-by-side with UMobile staff others in the region. at events such as the University of Mobile Leadership Banquet that has brought speakers to Mobile such as former U.S. President George W. Bush and former Secretary of State Belief in People Condoleezza Rice.

You may travel the world to teach children in Uganda, backpack through Europe, install irrigation systems in India, or paddle down rivers in the Philippines to share your faith.

UMobile campus life is also about serving the local community – working with residents to beautify their neighborhood, tutoring disadvantaged children, helping to repair a home, or collecting food and blankets for the homeless. We believe so much in the importance of service that we cancel classes one day each fall for UMobile Project Serve, so our students, faculty and staff can serve side-by-side in our community.

Belief in Winning

Our small school is big in the national athletic scene, with eight national championships in the National Association of Intercollegiate Athletics. UMobile is a member of the Southern States Athletic Conference. UMobile student-athletes in all sports are consistently earning top honors in academics and athletics.

Belief in You

Dr. Ted Mashburn, associate dean of the University of Mobile College of Arts and Sciences and professor of humanities, and student Alex Lewis visit.

Small classes provide big opportunities for faculty to really get to know and mentor students.

You will meet professors, including some that just might be your Baldwin County neighbors, like Dr. Ted Mashburn in humanities, Dr. Brad Swiger and Steve Carey in biology, Dr. Sue Gober in education, Barbara Brousseau in French and Maria Lourdes Baumer in Spanish.

Maybe you already know Dr. Joe Savage in Christian ministries or Dr. William Carroll in athletic training who is an internationally recognized expert and has consulted with the Olympics. There’s Brenda Chastain and Debra Chancey in education, Nick Cillo in business, and Phil Counselman in art, to name just a few.

You’re likely to have experienced a performance by one of more than 24 ensembles in our Center for Performing Arts, where you may have met Bruce Earnest in musical theatre.

Maybe you’re into athletics and you’ve met women’s soccer Coach Brian Person, men’s and women’s tennis Coach Uwe Tittl, or Dr. Rick Esposito who teaches human performance and exercise science.

Belief in Growth

When you go to the University of Mobile, you’re choosing a university where you will learn how to be the best in your field, then practice what you have learned as you serve locally, nationally and internationally to change the world.

With small classes taught by professors – not graduate students – you have personal attention from faculty members who care about you.

We intentionally integrate faith and leadership into the classroom, so that you not only learn what to do in your career – you also learn how to be excellent in your profession and your life as a person of faith.

You may choose from among more than 40 areas of study offered through the College of Arts and Sciences, College of Christian Leadership, Center for Performing Arts/School of Music, School of Business, School of Christian Ministries, School of Education, School of Nursing, School of Worship Leadership, Graduate Programs, and Center for Adult Programs.

Pre-professional programs prepare you for further study in medical, engineering and legal fields, and several academic programs let you earn both a bachelor’s and master’s degree in just five years.

The best way to discover if the University of Mobile is right for you is to schedule a campus visit. Call Enrollment Services at (251) 442-2222 or 800-WIN-RAMS, or go online to www.umobile.edu/visit.

University of Mobile Magazine

Go deeper. See videos and read articles in our award-winning University of Mobile Magazine to learn more about the University of Mobile and why our students and alumni love their school.

You’ll learn about an entire family of anesthetists who all got their start in our School of Nursing, see photos of our recent campus makeover, and read about Freshman Seminar or how our brand new recording studio that just opened in January came to be.

Check out the magazine online at umobilemagazine.com — and be sure to scroll down to the Move In Day 2013 video.

Get Connected

UMobile – www.umobile.edu Facebook – www.facebook.com/universityofmobile YouTube – www.youtube.com/universityofmobile Twitter – www.twitter.com/umobilenews Pinterest – www.pinterest.com/umobile

Belief in Support

Your college experience begins with Ram Rush, our new student orientation that kicks off fall semester with activities designed to help you get involved in campus life right from the start.

Our “Freshman Year to Dream Career” plan guides you through the process of career and professional development, with events, seminars and individual attention on skill development from freshman through senior year.

You will learn the skills needed for college success during Freshman Seminar taught

University of Mobile students gather on campus for the start of Project Serve, the Christian college’s annual day of service in Baldwin and Mobile counties.

Friday, January 24, 2014

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Belief is the foundation of our University. A belief that a higher education that focuses on academics and spiritual growth prepares you to make a real difference in this world. We instruct and nurture your mind, body and spirit, so you can achieve something you know and feel is meaningful and impactful with your education.

#beliefinu

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umobile.edu

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College Decision 2014  n  13

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Choosing a college major

By Destiny Brown It’s difficult to pre-plan for the career you’ll choose after you throw the graduation cap. There’s no rush in deciding your college major, but when graduation is on the horizon, be sure you’ve chosen a major you’re passionate about.

Explore

You don’t have to know what you want your major to be before college begins, and it’s OK to change your mind once you get there. Be adventurous in choosing your classes and explore your options during your time in college.

Get guidance

Seek help from college resources. Career centers on campus offer guidance through personality tests and directing you to the correct advisers. You can also seek out students who are majoring in areas you’re considering to ask them about the classes they’re taking and how they decided on that particular field of study.

You can learn much more quickly this way, rather than trying to look up details on a university website.

Choose your passion

Choose something you love. Otherwise, your time during college classes and after graduation will be dedi-

cated to something you’re not passionate about. Be sure you can see yourself pursuing your major choice for years in the future. Think of the job possibilities of that major choice and be sure it’s something you’re interested in. Career centers can also help with job descriptions in your chosen career field.

Changing your major

Before changing your major, be sure. If you take seven classes for a zoology degree and then decide you want to switch to journalism, your class requirements will change and some of the classes you have already completed will not count towards your major. Before changing your major, take some time to think about your options and make a list of future paths for each major.

The hard classes

The easiest major is not always the major that will take you the furthest in life.

Don’t skip on your dream major just because you can’t stand the thought of Chemistry 4000. Tutors and teacher help sessions are available to help during those tough times. Completing a tough course will make you feel accomplished.

Taking longer to decide your major doesn’t mean

Friday, January 24, 2014

TOP 5 Highest Earning Majors in 2013 n Petroleum Engineering n Health and Medical Preparatory Programs n Nuclear Engineering n Pharmaceutical Sciences and Administration n Pharmacology

Photo courtesy of the University of Mobile

Lowest Earning Majors in 2013 n Early Childhood Education n Human Services and Community Organization n Theology and Religious Vocations n Studio Arts n Drama and Theater Arts Source: npr.org via the Georgetown Center on Education and the Workforce

you’re lagging behind your peers. In the meantime, focus on your core curriculum classes that are required for any major.

Photo courtesy of the University of South Alabama

The major you wish to pursue should have an impact on the college or university you choose. Not all institutions offer every major and some may have stronger reputations in certain fields.

UNIVERSITY OF SOUTH ALABAMA

BALDWIN COUNTY

10 North Summit Street Fairhope, AL 36532 251-928-8133 | myusabc.com | usabc@southalabama.edu

Founded in 1984, the University of South Alabama in Baldwin County (USA Baldwin County) conducted its first classes on the campus of Faulkner State Junior College in Bay Minette with fewer than one hundred students. In 1986, with double the student enrollment, USA Baldwin County began offering courses in downtown Fairhope to meet the demands of population growth in the county. Today, students attending the Baldwin County Campus enjoy all the benefits of being part of a large university while still being in a more personal environment.

Conveniently located on the Eastern Shore, the campus serves all of Baldwin County helping students earn a degree fitting their future career goals. USA Baldwin County offers courses to complete five bachelor degrees which include Communication-Public Relations Track, Criminal Justice, Elementary Education, Accelerated Nursing, and Interdisciplinary Studies. Additionally, USA Baldwin County offers completion of a minor in Psychology. Whether a student is currently working in the field of their choice or earning a degree to get started in the field, the faculty and advisors at USA Baldwin County are available for academic guidance. The professors are friendly and enthusiastic and really understand the value of a student's time and commitment to completing their degree. USA Baldwin County offers general academic advising for students interested in transferring to USA, as well as degree advising for programs offered at the campus.

Unique to USA Baldwin County is the ability to bring a major university right to Baldwin County’s doorstep while maintaining an atmosphere of one-on-one instruction. Students get to know each other through participation in classes as well as by socializing in between classes at the scenic Baldwin County campus.

The campus is truly breathtaking with its beautiful oak trees flanking the buildings and walkways, to its quaint courtyard and performance center which serve as the central points of the campus. Students can often be found meeting and studying in the picnic areas and on the benches in between classes.

To help with the rising costs of tuition, the USA Baldwin County Campus awards scholarships twice a year to students attending classes on the campus. Students can apply for scholarships for the fall or spring semester online. Additionally, students can use federal and state financial assistance to help pay the costs associated with attending college. All types of financial aid are processed through the university's Financial Aid office.

The campus has three physical locations: the Administration Building located at 10 North Summit Street, the Classroom Complex at 111 St. James Avenue, and the College of Nursing Complex at 161 North Section Street.

Applying to USA Baldwin County is easy. Visit the University of South Alabama Admissions web page at http://www.southalabama.edu/admissions/. To schedule a campus tour, call (251-928-8133) or stop by at 10 North Summit Street, or to learn more about the campus go to www.myusabc.com.

USA BALDWIN COUNTY: CLOSER THAN YOU REALIZE!

Friday, January 24, 2014

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College Decision 2014 n 15

foods to boost brainpower

By Destiny Brown Long nights at the library and early mornings in class can take a toll on a student’s focus. If you’re like most college students and tend to go into a study slump, try these foods for an extra boost of brainpower.

4. Go Nuts 1. Focus on Fish

A protein source linked to a great brain boost is fish. Fish are rich in omega-3 fatty acids that are key for brain health.

These healthy fats have amazing brain power. A diet with higher omega-3 levels has been linked to lower rates of dementia and stroke as well as slowing mental decline. They may play a vital role in enhancing memory as we age.

A study published in the American Journal of Epidemiology suggests that a good intake of vitamin E might help prevent cognitive decline. Nuts are a great source of vitamin E along with olives, eggs, whole grains, leafy green vegetables, asparagus, seeds and brown rice.

e

5. Pick up Pumpkin Seeds

Just a handful of pumpkin seeds a day is all you need to get your recommended daily amount of zinc, vital for enhancing memory and thinking skills.

2. Try a Tomato

Lycopene, a powerful antioxidant found in tomatoes, lycopene, could help protect against the kind of free radical damage to cells which occurs in the development of dementia, particularly Alzheimer’s disease. Tomatoes are also loaded with vitamin C and vitamin A.

6. Bet on Broccoli

Broccoli is a great source of vitamin K, which is known to enhance cognitive function and improve brainpower.

3. Caffeine

There’s no magic that will boost IQ or make you smarter, but caffeine can energize you and help you concentrate.

However, be careful because overdoing caffeine can make you jittery.

7. Breakfast is Key

Studies have found that eating breakfast may improve short-term memory and attention. Students who eat it tend to perform better than those who don’t. Foods at the top of the breakfast brain fuel list include high-fiber whole grains, dairy and fruits.

UNIVERSITY OF SOUTH ALABAMA

BALDWIN COUNTY

10 North Summit Street Fairhope, AL 36532 251-928-8133 | myusabc.com | usabc@southalabama.edu

ACADEMIC PROGRAMS College of Arts and Sciences Communication- Public Relations Criminal Justice Psychology (minor) College of Education Elementary Education College of Nursing Accelerated Track

We're What You Need • Scholarships • Location • Comfortable atmosphere • Convenience • Accessible parking

School of Continuing Education and Special Programs Interdisciplinary Studies

USA Baldwin County...

Closer Than You Realize Call Today 251-928-8133

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Friday, January 24, 2014

MAKING A HABIT OF CHALLENGING THE STATUS QUO.

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College Decision 2014 n 17

YOUR WORLD WILL NEVER BE THE SAME. Broad horizons. At

UAB, nearly 17,000 voices from across the nation and 69 countries

come together on a campus consistently ranked among the top 5 most diverse campuses in the nation. Students share cultures, ideas, interests, and unique personalities for an enriched education that surpasses the standard curriculum. Bringing the world to UAB offers students a world’s worth of experiences during college, preparing them to create experiences of their own after graduation.

Deep roots. UAB

and the Birmingham area offer opportunities to learn from—and work

with—some of the world’s top scholars, performers, and experts. Programs from the sciences and engineering to the arts and humanities, and exclusive internship and co-op opportunities throughout the city, give students the benefit of expert instruction, exciting academic challenges, and experiences that will prepare them for a future in the job market, the lab, or the classroom.

Vital knowledge. A

college education shouldn’t just convey facts—it should be a

source of knowledge. UAB’s 137 degrees include courses of study that can’t be found anywhere else in the state or even in the Southeast, as well as unique educational opportunities through majors our students design for themselves. Placing unique curricula in real-life context can lead to a life-changing education.

Rich experiences. Waiting

until graduate school to begin research in earnest means

waiting to learn and waiting for a chance to make world-changing discoveries. UAB students don’t wait—every year, more than 3,500 undergraduates work independently and side-by-side with some of the nation’s top researchers and scholars, making breakthroughs in the lab, in the classroom, in the studio, in the community, and within their own lives.

Know More • 1,129 u nderg ra du at es on c a mpu s

HOW CAN OUR KNOWLEDGE CHANGE YOUR WORLD?

• Top 5 a mon g publ ic i n s tit ution s for r esea r ch dol l a rs per f r esh m a n • 529,0 0 0 sq u a r e feet of l ab s pa ce

Learn more at uab.edu.

• 1,30 0 St ud y Aw a y des ti n ation s • 9 pr e - pr ofession a l pr og ra m s of fer ed • 2 t op -not ch med ic a l educ ation fa ci l ities on c a mpu s: UA B Med ic a l Cent er a nd t he UA B School of Med ici ne

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Discover college through research apps

By Destiny Brown

Researching colleges is an important time that requires a lot of decisions. Three popular college research apps have made it possible for high school students to dip their toes in the mobile college search waters.

1. Naviance Student

The mobile version of the popular college planning tool allows students to research schools and save favorites, as well as create a to-do list that ties tasks to a specific college. They can also connect with counselors from that school. The app is free and available for iPhone or iPod touch, but students must attend a high school that subscribes to the Naviance platform in order to use the app.

Helpful Apps for College Students

Venmo

If you link your bank account to this app, you and your friends can pay one other back without having to deal with the hassle of cash. Venmo now allows users to send and share messages along with money.

Cost: Free

Duolingo

It teaches you, tests you, and even sometimes fails you.

Your foreign language class will be thankful.

Cost: Free

2. Max U

Created by Upromise, a college savings program from Sallie Mae, this app has a checklist that includes transcripts, letters of recommendations and essays. Students can also get tips for ACT and SAT exam prep, as well as advice on factors to consider when selecting a college.

While students cannot search for colleges within the Max U app, they can keep track of potential schools and rate them based on cost, distance from home and how likely they are to be accepted.

The free app, available on both iPhone and Android devices, also advises students to set savings goals and includes information on federal and private student loans.

Clear

Featured in the App store “Best of 2012” section. Keep track of your to-do lists, and sync them with your other devices so you can access them from anywhere.

Cost: $2.99

This app tracks your calorie intake.

Cost: Free

Noted the The Best Document Management App by iTunes, Snap2PDF allows a student to take a picture of any handout/textbook to convert it into a PDF. It even recognizes text and provides translations for foreign words.

This app from ACT Inc., which administers the popular college entrance exam, is currently available only on Apple devices. Students can use ACT College Search to browse colleges by location, major, size and cost, among other criteria. The free app includes a basic profile for most two- and four-year colleges and students can save favorites they want to research further.

WaterIn

Keep hydrated on those long walks to class with WaterIn. This app tracks your water intake and reminds you to drink water when you haven’t had enough.

Cost: Free

Cost: $2.99

AnyList

Grocery lists that can be shared and synced, which update on all devices at once.

This can be used so you and your new roommate don’t run into any trouble coordinating groceries.

Cost: Free

My Fitness Pal

Snap2PDF

3. ACT College Search

Google Drive

If you’re a college student in 2014, you’re going to have more Google Docs than you know what to do with. Get this app on your phone so you can access them from anywhere. To access non-Google docs on the go, use Dropbox and Box.

Cost: Free

Viber

Keep in touch with your family and friends using free texting and free voice calls, no matter how far away you are from them. Great app for those who study abroad!

Cost: Free

Chegg

Find cheap textbook rentals (with free shipping) instead of selling your soul to buy new textbooks every semester.

Cost: Free

7-Minute Workout

If you’re going to be too busy to do a full work out, at least give your body seven minutes. Shave off the Freshman 15.

Cost: $1.99

Everest

College can be hectic for the most part and can make you lose sight of your life goals. Everest will keep track of them for you.

Cost: Free

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College Decision 2014 n 19

Help, I have student loans!

By Destiny Brown

The Facts

W

Keep Contact with Your Lender

If your lender needs to contact you and your information isn’t current, it can end up costing you a bundle. Whenever you move or change your phone number or email address, tell your lender right away. Lenders are supposed to work with borrowers to resolve problems.

Keep Track

It’s important to keep track of the lender, balance, and repayment status for each of your student loans. These details determine your options for loan repayment and forgiveness. All student loans are managed through the Internet, so make sure you set up automatic debit transactions for monthly payments or mark your calendar to pay your bill every month. If you set up automatic debit transactions, most lenders will decrease your loan’s interest rate by 0.25 percent. Contact your school if you can’t locate any records.

n Nearly 20 million Americans attend college each year. (Chronicle of Higher Education) n Of that 20 million, close to 12 million — or 60 percent — borrow annually to help cover costs. (Chronicle of Higher Education) n There are approximately 37 million student loan borrowers with outstanding student loans today.

Pay Off the Most Expensive Loans First

If you’re considering paying off one or more of your loans ahead of schedule, start with the one that has the highest interest rate.

Grace Period

A grace period is how long you can wait after leaving school before you have to make your first payment. Different loans have different grace periods. It usually varies from six to nine months. It’s important not to miss your first payment!

Lower Your Principal

When you make a federal student loan payment, it covers any late fees first, then interest, and finally the principal. If you can sometimes afford to pay more than your required monthly payment you can lower your principal, which reduces the amount of interest you have to pay over the length of the loan.

To Consolidate or Not to Consolidate

A consolidation loan combines multiple loans into one for a single

monthly payment. For private consolidation loans, shop around carefully for a low or fixed interest rate and read all the fine print.

Never consolidate federal loans into a private student loan, or you’ll lose all the repayment options and borrower benefits like unemployment deferments and loan forgiveness programs that come with federal loans. Also, remember you can only consolidate your student loan debt once, so if you choose to do it, make sure it’s at a time when interest rates are low and that you get a fixed rate.

Loan Forgiveness

There are various programs that will forgive all or some of your loans if you work in certain fields or for certain types of employers. Public Service Loan Forgiveness is a federal program that forgives any student debt remaining after 10 years of qualifying payments for people in government, nonprofit and other public service jobs. Find out more at IBRinfo.org. There are other federal loan forgiveness options available for teachers, nurses, AmeriCorps and PeaceCorps volunteers and other professions, as well as some state, school and private programs.

Subsidized vs.

Unsubsidized

Depending on your financial need, you may qualify for either subsidized or unsubsidized loans. The difference is in the interest. For subsidized loans, the government pays the interest throughout your time in college, during the sixmonth grace period after graduation and during deferment.

For an unsubsidized loan, interest will build up during the time you attend college, during your grace period and if you ever defer your loans. For

Student loan borrowers by level of balance Total number of borrowers: 37 million 2.3% $75k to $100k 5.9% $50k to $75k 16.5% $25k to $50k

example, if you take out a $5,000 unsubsidized loan with an interest rate of 5.5 percent your freshman year of college, four years later, you’ll have accrued $1,100 in interest. When you graduate, this interest becomes part of your principal balance, so the $5,000 you originally borrowed four years ago is now $6,100.

A way to avoid paying thousands of dollars in interest after graduation is to pay the interest on unsubsidized federal loans and private loans while you’re in college. Multiply your loan amount by the interest rate and divide by 12 to find out how much

interest your loan will accrue each month. For our example, that amount would be $22 a month.

If you chose to pay $30 a month, you would graduate owing only $3,560 — that’s 2,540 fewer dollars to pay after graduating.

Don’t Worry!

If you’re having trouble making payments because of unemployment, health problems, or other unexpected financial challenges, remember that you have options. There are ways to temporarily postpone your federal loan payments, such as deferments and forbearance.

Student Loan Increase Undergraduate students - 1999 to 2013 60,000

3.1% Over $100,000 50,000

43.1% Under $10,000 Amount of loans

hile preparing for college, sometimes the only choice is to take out a student loan. Before taking out a student loan, consider a community college for your core classes or getting a part-time job to help out. However, if your options wear thin, follow this advice.

Paying off student loans can be a burden and a headache. Keeping your student debt under control can help you avoid interest and extra costs as well as keep your payments affordable and protect your credit rating.

40,000

30,000

20,000

10,000

29.2% $10k to $25k 1999-2000

Source: FRBNY/Equifax

2004-2005

2009-2010

Academic School Year Source: Edvisors.com, The Wall Street Journal

2012-2013

20  n  College Decision 2014

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Friday, January 24, 2014

High-Quality Academic Programs and Great Scholarships for NEW! Baldwin County Area Students!

The University of South Alabama is pleased to increase academic scholarships for resident and non-resident students through the new

MITCHELL-MOULTON SCHOLARSHIP INITIATIVE Available for 2014 High School Graduates. Apply today!

Scholarship Amounts for Students Paying Resident Tuition* ACT Composite or SAT Equivalent

GPA as Computed

by USA

Annual Amount

Total Amount

Type of Scholarship

33 or higher

3.5

$11,000

$44,000

Mitchell-Moulton Presidential Scholarship

$12,000

$48,000

Whiddon Honors Scholarship

$9,000

$36,000

Mitchell-Moulton Presidential Scholarship

$10,000

$40,000

Whiddon Honors Scholarship

$8,000

$32,000

Mitchell-Moulton Presidential Scholarship

$9,000

$36,000

Whiddon Honors Scholarship

$5,000

$20,000

Mitchell-Moulton Presidential Scholarship

$6,500

$26,000

Whiddon Honors Scholarship

32

30-31

28-29

3.5

3.5

3.5

24-27

3.0

$3,500

$14,000

Mitchell-Moulton Presidential Scholarship

27

3.5

$5,000

$20,000

Whiddon Honors Scholarship

23

3.0

$2,500

$10,000

Mitchell-Moulton Presidential Scholarship

21-22

3.0

$1,500

Freshman Year Only

Mitchell-Moulton Bay Area Scholarship

(Residency requirements - Mobile or Baldwin counties in Alabama; service areas in Florida and Mississippi)

Abraham Mitchell Business Scholarship Program 28-36

3.5

$12,500

$50,000

Abraham Mitchell Business Scholarship Program

(Additional requirements: students must major in the Mitchell College of Business. Limited number of scholarships awarded. Preferences given to students from Mobile and Alabama.) *Resident tuition rates apply to Alabama students, Mississippi students from George, Greene, Harrison, Jackson, Perry and Stone counties and Florida students from Escambia and Santa Rosa counties. For non-resident scholarship amounts, go to www.southalabama.edu and click on the “Money for College” link.

PLUS: ACT Scores of 30 or More Earn a FREE Laptop Computer!

University of South Alabama

(251) 460-6141 southalabama.edu/baldwin

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College Decision 2014 n 21

University of South Alabama High Quality Academic Programs, Close to Home

The University of South Alabama is one of the fastest-growing academic institutions in the state, providing high quality academic programs, abundant student social and recreational opportunities, competitive cost, and exciting coastal living.

USA is the upper Gulf Coast’s leader in higher education, enrolling more than 15,000 students and awarding more than 77,000 degrees throughout its history. South Alabama is large enough to offer the programs students need, yet small enough to care about students as individuals.

With a campus in Baldwin County, USA provides more opportunity and convenience for students living in one of the state’s fastest-growing counties.

USA students can choose from a variety of undergraduate and graduate programs in the following schools and colleges: •Pat Capps Covey College of Allied Health Professions •Arts and Sciences •Mitchell College of Business •Computing •Continuing Education and Special Programs •Education •Engineering •Medicine •Nursing •Auburn University School of Pharmacy at USA Plus, our new Mitchell-Moulton Scholarship Initiative has greatly expanded USA's scholarship programs, making them more accessible than ever.

In close association with our academic health care programs, the USA Health System provides an important classroom for educating future professionals. Internship opportunities are provided by businesses and industry in USA’s Technology and

Research Park. USA is also one of the state’s leading universities in competitively funded research, giving students more opportunities to work with faculty on a wide range of projects.

In addition to outstanding academic programs, South Alabama students enjoy a variety of social, cultural, entertainment and athletic activities, including football and a marching band program.

The USA Mitchell Center is home to Jaguar basketball, concerts and a host of other exciting activities.

Diverse opportunities for campus involvement are available through student government, the Greek system, student media, numerous special interest organizations, and a thriving intramural athletic program that utilizes our multi-million-dollar Intramural Field Complex.

Recent building and renovation projects have enhanced academic and campus life for students, including a state-of-the-art Student Recreation Center, a beautiful dining hall and two new residence halls, the Student Center and Shelby Hall for engineering and computing sciences.

With high quality academic programs, rich extra-curricular opportunities, competitive cost, and a beautiful coastal environment, the University of South Alabama is truly a first choice modern university.

Learn more at www.southalabama.edu, or contact the Office of Admissions at (251) 460-6141 or (800) USA-JAGS. For scholarship details, visit our website and click on “Money for College.”

22 n College Decision 2014

GufllfCoastNewsToday.com

Friday, January 24, 2014

A word from the students We selected some anticipated questions for college students and used their actual quotes to describe student life at their colleges.

How did you research your college?

“Knowing that University of Mobile was a private college, I thought I would never be able to attend because the cost would be out of reach. After receiving a music scholarship, my mother and I began to talk to the Admissions and Financial Aid offices and learned that there were other resources available that could make it possible for me to attend. Now I’m starting college at UMobile!”

Emily, University of Mobile

What is your favorite part of class?

What is your favorite thing about your school?

“I really enjoy going to football games and seeing the tradition. I like to see the alumni and how proud they are of this University. Every time I see alumni … that gives me hope that one day I can be as successful as they are.”

Marvin, Alabama State University

What is the student to professor ratio like?

“I liked the hands-on aspect of the program. The instructors were very helpful and accessible; they were also available for any additional tutoring that I asked for. I also made some friendships with other students that will continue.”

“The student/ professor ratio is good. It depends on the class that you’re taking; some courses will have up to 30 kids per classroom while others will have less than 10. The good thing about all the professors here at Faulkner is that they want to help you. They also provide tutoring for those who need one-on-one guidance. At Faulkner, no one is left behind.”

Angela, FORTIS

MacKenzie, Faulkner State Community College

What is housing like?

“Living on campus is the best decision I made. My first two years on campus I didn’t have a car, so not having to commute to classes helped greatly, as well as having the dining hall right up the road, where I could eat all of my meals.

The Housing staff has always been close to me, especially my freshman year. I didn’t have a roommate the first couple of weeks, which really upset me since I didn’t know anyone coming to school and I wanted to have that experience.

Well, my RA and I bonded instantly; she took me under her wing and did her best to include me in everything. Plus, when she knew about a girl looking for a roommate, she recommended me! My roommate and I became the best of friends. The residence halls are great; they are well maintained, the staff is friendly and there are a ton of different options for everyone. I’ve lived in the traditional residence halls as well as the apartment style rooms, so I’ve had the full experience.”

What would you tell a future student?

“I would tell any future UAB student to get involved. There are so many wonderful campus activities. Basketball is a huge sport at UAB and gang green is a awesome club to join. There are also fraternities and sororities, which are another way to have a great time while excelling in your academics.”

Lauren, University of Alabama at Birmingham

Megan, University of South Alabama (Mobile)

How is the staff at your college?

Does your college adjust to your lifestyle?

“I really loved it at Genesis because as a father of 3, I needed to get the training and something that works around my schedule. I am so thankful I went through it. I now have tools to use for the rest of my life.”

“I enjoy the smaller class settings in Fairhope because they allow for more interaction with the instructors. Everyone at the campus is wonderful, the staff and faculty are helpful and the atmosphere is so positive; it makes learning worthwhile.”

Marie, University of South Alabama (Baldwin)

James, Genesis Career College

How did college help you choose a career?

Do you think your school prepared you?

“In a world where money can be hard to come by, you need more bang for your buck. I feel the University of Mobile does just that. I know God put me at this school for a reason, where not only can I succeed, but I can do it with less of a financial burden.”

Mario, University of Mobile

“FORTIS has by far made the biggest impact on my career today. Prior to attending FORTIS I was much undecided where or how to obtain a career. Like most, I knew I wanted to go to college to be successful, but I didn’t know where to begin and I was running out of time.”

Alicia, FORTIS

Friday, January 24, 2014

GufllfCoastNewsToday.com

College Decision 2014 n 23

A Real College, A Real Degree, A Real Career at Alabama’s Lowest Tuition We have what you’re looking for...at a tuition you can afford.

Associate of Science (AS)

Associate of Applied Science (AAS) (Continued)

Agribusiness Economics Agricultural Economics Biological Science Business Administration Computer Science Education (Early Childhood/Elementary) Engineering Environmental Science Forestry General Studies Health, Physical Education, and Recreation Mathematics Pre - Architecture Pre - Denistry Pre - Dental Assisting Pre - Medicine Pre - Nursing Pre - Pharmacy Pre - Surgical Technology Pre - Veterinary Secondary Education

Landscape and Turf Operations Management Landscape Operations Management Horticulture Landscape Design Golf Course and Turf Management Management and Supervision Technology Accounting Clerk Management and Supervision Technology Small Business/Entrepreneurship Nursing Mobility (LPN to RN) Nursing RN (Associate Degree Nurse RN) Office Administration Administrative Assistant Legal Administrative Assistant Medical Administrative Assistant Paralegal Paramedic Surgical Technology Veterinary Technology

Certificate Programs (CERT)

Associate of Arts (AA)

Art Computer Management/Information Science Criminal Justice English Liberal Arts Music Pre - Law Social Science

Associate in Applied Science (AAS) Commercial Art/Graphic Design Computer Technology Computer Aided Drafting Specialist Network Administration System Specialist Technical Support Specialist Dental Assisting Hospitality Administration Culinary Arts Event Planning Hospitality Management Pastry Baking Industrial Maintenance Technology Heating and Air Conditioning Technology Welding Technology Building Technology Industrial Maintenance Technology

Animation, Interactive Technology, Video Graphics & Visual Effects Commercial Art/Graphic Design Culinary Arts Dental Assisting Golf Course and Turf Management Landscape Technology Nursing (Licensed Practical Nurse) Paramedic Pastry Baking Surgical Technology

Training Certificate Programs (STC) Child Development Commercial Art/Graphic Design Computer Aided Drafting Specialist Cosmetology Culinary Arts Emergency Medical Technician (EMT) Advanced Emergency Medical Technician Event Planning Hospitality Management Industrial Engineering Technology/Technician Landscape Design Network Administration Specialist Pastry Baking Technical Support Specialist Automotive Technology Building Technology Welding Technology

Call to speak to an advisor today. Interested in student activities or clubs and organizations? We have a place for you, whether you want to enhance your social life or get a step ahead academically. See a full list on our website. Also, check out our scholarship and financial aid pages to see how affordable college can be.

www.faulknerstate.edu

1-800-381-FSCC (3722)

Bay Minette - Fairhope - Gulf Shores

Faulkner State provides equal educational opportunities to and is open and accessible to all qualified students without regard to race, color, creed, national origin, gender, or disability with respect to all of its programs, activities, or employment.

24 n College Decision 2014

GufllfCoastNewsToday.com

Friday, January 24, 2014

Faulkner State Community College A Great Education, A Lot of Fun Alabama’s Lowest Tuition Academic courses guaranteed to transfer to any Alabama university More than 100 majors to choose from

Courses to fit your busy schedule: • 1, 2, and 3 days a week • Nights and weekends • Internet courses

New Programs Added!

AniMAtiOn, interACtive teChnOlOGy, videO GrAphiCS & viSuAl eFFeCtS veterinAry teChnOlOGy Come for a campus tour and meet our friendly faculty, staff and students.

Faulkner State provides equal educational opportunities to and is open and accessible to all qualified students without regard to race, color, creed, national origin, gender, or disability with respect to all of its programs, activities, or employment.

1-800-381-FSCC (3722) or 251-580-2100 www.faulknerstate.edu Bay Minette - Fairhope - Gulf Shores - Online