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September 23, 2016
New Mexico’s Legal & Financial Weekly
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Helping Kids Do Well And Do Right
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Vol. 6.87 No. 39
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he more than 3 million public high school teachers and coaches in the U.S. do a lot for their young charges. They help prepare their students for life after graduation. They teach academic lessons and various skills that students will need to attend college and to enter the job market. They help them stay safe and healthy on and off the field. But there’s something more they can provide that most people haven’t really thought about.
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Teachers and coaches can encourage and assist young male students in signing up with the Selective Service System. How To Help
The Reasons Consider this: A young man in the United States is required to register with the Selective Service when he becomes 18 years old. In addition, the U.S. Citizenship and Immigration Services has made registration with Selective Service a condition for U.S. citizenship for any man who comes to settle in the U.S. before his 26th birthday. Registration is the law and it’s a civic duty. Furthermore, failure to register carries consequences that can impact a young man’s future.
Fortunately, helping them fulfill this obligation can be simple. Most high schools in the country have volunteer registrars, generally a guidance counselor, teacher or administrative staff member nominated by the principal. The volunteer can be a man or woman but must be over 18, a U.S. citizen and, if a man, registered with the Selective Service himself. He or she provides the necessary forms and offers whatever help the students need to fill them out properly. Where Else To Turn
Failure to register closes the door to: • Many college loans, Pell Grants, Federal Work-Study and Guaranteed Student PLUS Loans • Federal job training and certification programs • All federal jobs and many state and town jobs.
Even if they are not the school registrar, teachers and coaches can advise their students to register and they can direct them to check block #22 on the federal FAFSA forms or to go online at www.sss.gov from a smartphone or computer. Registration forms are also available at any U.S. post office. Learn More
Registration is also required in some places when applying for a driver’s license.
For more information, visit www.sss.gov. -(NAPSI)
Don’t ‘Overborrow’
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ccording to the U.S. Department of Education, Americans owe more than $1.3 trillion in student loan debt. That’s nearly the gross domestic product of all of Australia. The average U.S. college graduate has nearly $38,000 in student loan debt. What’s more, the Teens & Careers Survey by Junior Achievement USA (JA) found that a majority of teens hadn’t taken or weren’t sure if they had taken any steps to pay for the schooling required for their career choice, and 41 percent didn’t know how they would fund the cost of training or school.
resource that can help teens and their parents calculate a reasonable rate of return for students’ college loans. Called JA Build Your Future, it’s a free app that helps break down the cost of reaching one’s goals into real, usable numbers. It also helps teens explore more than 100 careers and then calculate a reasonable amount of money to borrow given their potential level of income.
The fact is, most Americans are borrowing more for college than they’re able to pay off in a reasonable time—but there is a place to which to turn.
“Our young people need tools to help them make informed decisions about how much to borrow, given what their future potential income might be,” explained Jack Kosakowski, president and CEO of Junior Achievement USA.
Given the challenges of growing student debt, Junior Achievement, the nation’s leading nonprofit economic education organization, has a free
The app is at www.ja.org/Apps. -(NAPSI)