MOREHEAD STATE UNIVERSITY
2018 Back to College A special supplement to The Morehead News
August 2018
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MSU BACK TO COLLEGE
AUGUST 2018
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MSU BACK TO COLLEGE
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MSU BACK TO COLLEGE
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MSU BACK TO COLLEGE
AUGUST 2018
Maximize your student loan grace period Many students must take on loans to finance their college educations. While such loans make it possible for students to further their educations, many of those students ultimately graduate with substantial amounts of debt. The average amount of debt those students carried was $29,400, and many financial analysts say there is no relief in sight. In fact, the Federal Reserve of New York indicated American student loan debt has ballooned to $1.08 trillion, an increase of over 300 percent from 2003. Substantial student loan debt can make life difficult for recent graduates, especially when the job market for recent grads is far from robust. Many student loans come with a six-month grace period that gives grades time to work out a repayment plan, and there are ways for new grads to maximize this grace period to their advantage. Know your loan(s). Grace periods vary depending on the loan. While a six-month period is common, some loans have grace periods as long as nine months. There also may be an eligible deferment built in. In addition,
while grace periods typically kick in after a student graduates, grace periods actually begin whenever a student withdraws from school or drops below half-time status. That’s an important consideration for students thinking of taking a semester off or leaving school altogether. If you plan to continue your education, or re-enroll in school, you may once again be eligible for a repayment grace period.
ments before your grace period expires. The longer you defer your payments, the more interest you may have to pay. Change your repayment plan. Your lender may provide a set repayment plan, but typically you do not have to keep it, but the U.S. Department of Education notes that these lender-established plans are not necessarily set in stone. Contact your loan servicer to come up with a repayment plan that works best for you. You may be able to lower your payments, consolidate various loans, tie monthly payments to your income level, or even have loans forgiven if you work as a teacher or in other areas of public service. Establish an emergency fund. If you are employed, start saving some extra money now so you can build up your bank account, which may be more difficult when you begin paying back Pay the interest . For some loans, including loans. Use the time to your advantage by clearing other debt as well. some federal Perkins loans and subsidized Student loans make it possible for many Stafford loans, interest will not accrue during students to finance their educations. To help your grace period. However, interest may begin to accrue immediately upon graduation. reduce debt, make use of your loans’ grace periods and get your financial ducks in a row. You can avoid higher bills by making pay-
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College students can eat healthy AUGUST 2018
If asked to reflect on their college years, many graduates likely would not recall healthy eating habits. College students are often pressed for time and short on funds, so a nutritious diet is often sacrificed for the sake of convenience and cost. But a healthy diet can help college students handle the stresses of college life more effectively. The following are a handful of easy ways college students can improve their diets' nutritional value without breaking the bank. • Eat breakfast. College students tend to stay up late and sleep in, but sleeping in at the expense of a healthy breakfast can impact performance in the classroom and make students more likely to overeat later in the day. A bowl of cereal with some fresh fruit is not an especially expensive breakfast, but it can help college students start their day off on an energetic and healthy note. • Snack healthy. Many students find snacks are an integral part of hours-long study sessions. But trips to the vending machine for candy bars or potato chips won't add much nutritional value to your diet. Instead of being at the mercy of vending machines, bring healthy snacks along during study sessions. Fresh fruit,
MSU BACK TO COLLEGE
raw vegetables, Greek yogurt, and whole wheat crackers are just a few snacks that pack a more nutritious punch than traditional vending machine fare. Healthy snacks also tend to provide more energy, making it easier to endure late-night study sessions. • Make pizza healthier. Pizza is a staple of many college students' diets, so it's likely unrealistic for them to quit pizza cold turkey, especially since there are ways to make pizza healthier. When ordering a pizza, college students can request their pizza be prepared with whole wheat dough, which is healthier than traditional pizza dough. In addition, ask for less cheese and more tomato sauce. Such alterations are simple and healthy without sacrificing taste. • Scale back on sugar. Sugar can cause weight gain without providing much in the way of nutrition. College students can cut back on their sugar intake by avoiding sugary beverages, including soda and drinks like sweetened iced tea or lemonade. College is also when many young men and women first start drinking coffee, which some people prefer to take with sugar. But students looking to keep weight off and reduce their sugar
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intake can choose to drink their coffee black or with just light cream or fat-free milk to ensure their morning cup of joe is not contributing to a bigger waistline. • Drink more water. The symptoms of dehydration mimic those of hunger, and college students might turn to snacks when all they really need is a glass of water. If you find yourself snacking shortly after eating a meal, then you might just need to drink more water. Few college students prioritize healthy eating habits. But there are some inexpensive ways for on-the-go students to enjoy healthy diets.
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