College Decision 2015

A Gulf Coast Media specialty publication

Choosing the right education and making the transition to college life.

Choosing the best path after high school graduation

T

he end of high school and the transition into college can be quite overwhelming for an adolescent.

Theres’s so much to do, so much to plan and so many decisions to make.

The transition into a college career can be much easier when prepared.

With the help of the articles in this publication, a college-bound or college enrolled student can gain advice and insight on what college life entails.

In this publication, you will find helpful tips for incoming students including questions students should ask when choosing a college and questions to ask

when choosing a major.

Learn a few items every student should bring and exclude from their move-in and how to put together the best care package to send to your studious one.

Make the most of your free time by being a part of your campus with a helpful list of popular college organizations and volunteer opportunities or learn a few ways to make some extra cash in a way that will suit a college class schedule.

Apps are one technological attribute that can get a student through the toughest times in their college career. In this publication, find a

variety of helpful apps for college students including apps that assist in taking notes, study habits and handling personal finance.

Living off campus can be an adventure, but be sure you check out the list of the do’s and don’ts of living off campus.

To be sure that you’re prepared to take on the world after graduation, this publication also offers insight on life after college for the graduate.

College decisions can be some of the first real decisions that many adolescents make. Let this publication help for a smooth transition and a smooth graduation.

photo courtesy of the university of mobile

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ExplorE thE

University of

South Alabama

t

he University of South Alabama is a comprehensive, global university that provides students a quality education in business, the liberal arts, education, engineering, computing, the sciences and health care.

USA’s commitment to student success includes small class sizes and hands-on research opportunities in nearly 100 undergraduate, graduate and doctoral degree programs. Students enjoy an outstanding campus experience, with state-of-the-art facilities, a 116,000-square-foot recreation center and more than 200 student clubs and organizations.

In health care, USA provides students with an exceptional medical education through the colleges of Medicine, Nursing and Allied Health Professions. At the same time, the USA Health System serves the region with advanced and innovative care through the USA Physicians Group, USA Medical Center, USA Children’s & Women’s Hospital and the USA Mitchell Cancer Institute.

At USA’s Baldwin County campus, students can choose from programs in nursing, elementary education, public relations and criminal justice.

The Baldwin County campus offers flexible scheduling, with both day and evening classes. In response to Baldwin County’s dynamic tourism industry, USA is now offering a new undergraduate degree program in Hospitality and Tourism Management, conveniently taught at the Gulf Shores Cultural Center.

The USA Jaguars 17 Division I sport teams compete in the Sun Belt Conference, with women’s soccer and men’s cross country capturing 2014 conference championships. Also, the Jaguars football team earned a berth in the inaugural Raycom Media Camellia Bowl in Montgomery.

USA annually enrolls more than 16,000 students and has awarded 80,000 degrees in its 51-year history. USA is an economic driver for the central Gulf Coast, with an annual economic impact exceeding $3 billion.

The University’s Mitchell-Moulton Scholarship Initiative, a $25-million matching challenge, is strengthening USA’s commitment to expanding opportunities for current and future students.

For more information, visit www.southalabama.edu or call the Admissions Office at 460-6141 or 1-800-USA-JAGS

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College Decision 2015 n 3

University of

South Alabama

Your Future Begins Here

GO JAGS! - Expanded Scholarship Opportunities - Nearly 100 Degree Programs - Commitment to Global Engagement - More Than 200 Student Organizations and Clubs - One-on-One Attention and Small Class Sizes - Beautiful Campus Near the Sandy Shores of the Gulf of Mexico

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BALDWIN EMC HELPS LOCAL STUDENTS CHASE COLLEGE DREAMS

Wednesday, January 28, 2015

15 items every college freshman should have

Before entering the college life, there are a few items every freshman should make sure they have in stock. Avoid forgetting these important items with this helpful checklist.

1 2 3

Coffee maker

Sometimes it's a hassle to go out and get coffee when you’re in deep study mode at your place. It might be a good idea to purchase a coffee maker so you can have access to a cup of joe anytime you need it.

College tuition is a huge expense. For many families, it’s one of the largest cost burdens they will ever have to bear. According to the National Center for Education Statistics, from 2001 to 2012, college tuition and fees at public institutions have increased 40 percent. At those rates, it’s no surprise that many students are unable to meet the cost of higher education.

Fortunately, part of Baldwin EMC’s role as a member focused and community-involved cooperative is our commitment to promoting higher education for local residents. Through Operation Round Up and the Electric Cooperative Foundation, we are able to provide college-bound individuals with essential financial support to help them achieve their academic goals.

Our most financially rewarding scholarship is the Baldwin EMC Charitable Foundation College Scholarship. The winning applicants are chosen based on their academic achievements, character, leadership and financial needs. 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. Applications for the Charitable Foundation Scholarship are due February 27, 2015, and are available at Baldwin EMC, or at www.baldwinemc.com.

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 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 February 27, 2015.

If you or someone you know has dreams of higher education without a clear plan for how to meet the costs, Baldwin EMC can help.

Go to www.baldwinemc.com to find out more.

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6-foot cellphone charger

To make sure you can get to those hard-to-reach plugs behind your beside table or in the classroom.

Ziploc baggies

These can be used for taking snacks to class, for storing shower supplies, for storing jewelry and accessories and many more purposes.

4

Portable fan

Most dorms don’t come with a ceiling fan and most apartments crank your bill way up for running the AC. The best advice is to purchase a portable fan to turn on rather than the AC.

Laundry detergent

Unless you plan on bringing home your laundry to Mom, be prepared to wash your clothes. Many apartments and dorms offer laundry facilities, so all you have to do is come with the supplies.

Duffle bag

You’ll probably arrive with this item, so keep it. You’ll need it for those trips back home or other trips you haven’t even planned yet.

Alarm clock/speaker

It’s always a good idea to have a backup alarm clock other than your cell phone. You never know when your cell phone is going to unexpectedly die and you don’t want to miss that early class.

Planner or calendar

Put this in a very noticeable spot to ensure that no important dates are forgotten.

Mini-fridge

If your place doesn’t have one, think about investing in a miniature fridge. You never know when you’ll need cool storage for something.

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Water bottle

You’ll need this for this long walks to class or in between classes. It’s always good to stay hydrated.

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Disinfectant wipes

Having easy-to-use cleaning supplies on hand helps take care of small messes in your dorm room or apartment.

Bedding

You don’t want to arrive to your new place and realize you forgot your sleeping gear. Be sure to pack pillows, pillowcases, sheets (to fit your dorm bed size if needed) and blankets.

Power strip

Your space may not offer enough electrical plugs to fulfill all of your student needs. In that case, be sure to bring a power strip so you connect multiple things at once. Just don’t overdo it.

Mini-sized vacuum

With visitors in and out, it’s hard to keep your space neat. Bring a small vacuum to keep in the corner just in case.

Shower caddy

If you’ll be sharing a bathroom with others, it’s a good idea to keep a shower caddy to keep your personal things separate.

5 things to not bring to college 1. Off season clothing

With closet space so limited, it’s crucial that you make the most of every inch. There is no need to bring your entire closet in August. Bringing your clothes in seasons allows you to have more room in your closet and makes it that much more fun when you switch your closet out and have a whole new wardrobe.

During school breaks, bring home the clothes that are going out of season and bring back the clothes for the upcoming season.

2. Plates and silverware

Chances are, you won't have a dishwasher in your dorm room. Don't pack unneeded breakables. Instead, buy paper plates and plastic utensils that you can dispose of after use.

3. Books and movies

Don't bring your entire novel and movie collection from home. Limit yourself to maybe five books since you'll already have so many books from your classes and maybe five videos. Or take a more electronic approach by storing ebooks and movies on a laptop or tablet.

4. Bulky Luggage

Between weekend trips and fall breaks at home you are going to want some kind of luggage — preferably luggage that is easy to store but still holds a lot. You are not going to have any space for bulky suitcases anywhere in your dorm no matter how hard you try. Keep foldable duffle bags in your room. They make for the perfect travel bag and take up much less room.

5. Nice jewelry or other important keepsakes

It's not a good idea to bring important or expensive keepsakes in your dorm room. It's better to leave these items at home to avoid all of the chaos that comes with moving in and out of dorm rooms.

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Helpful Apps for College Students In today’s technological world there are apps for almost anything. Here are a few that can be helpful for college students to help with school work, planning , saving money and more. Most of these apps are free and will work on both Android and Apple devices.

Shopkick

Use shopkick to get points for walking into certain stores and then redeem your points for gift cards. Shopkick also has coupons and deals for tons of stores that you already go to on a regular basis.

Cost: Free

Quizlet

Make, study, and share flashcards for all subjects using this multimedia flashcard app.

Cost: Free

Dropbox

You can save important things in Dropbox to backup your laptop. Another plus is that you can access it on your phone. It makes sending photos taken on your phone to the laptop super easy.

Wolfram Alpha

Cost: FREE

Includes “knowledge” from multiple disciplines such as math or chemistry. Insert any problem and get an answer and sequenced steps for calculation. Best to use to check your work. The website is free: www.wolframalpha.com.

Flipboard

Dictionary.com

A platform for students to collect news, articles, etc. and to read material in a personalized magazine-style format. It combines Pinterest-like organization with Facebook-style communication.

Cost: Free

Cost: $2.99

Includes many tools beyond traditional dictionary definitions or synonyms. It does not require spelling skills — voice recognition provides a means to search for words. In addition, unknown words may be decoded using the audio icon.

EasyBib

This free bibliography generator enables users to create MLA, APA, and other citation styles by scanning bar codes on books. Resources may be built, managed, and exported for use.

Cost: Free

Evernote

EverNote provides students with a way to take and organize handwritten or voice recorded notes on multiple devices through syncing capabilities.

Cost: $1.99

Cost: Free

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Google Hangout

Google Hangout allows live video conferencing with up to ten participants at a time. Collaborate with group members at school or with family back home.

Cost: Free

School A to Z

The School A to Z app is like having a free tutor at your fingertips. Enter any questions you have and the digital tutor will help retrieve an answer for you in just seconds.

Cost: Free

Brain Booster

The Brain Booster app allows the user to search for brain boosting, educational games by age and skill level.

These are a great way to exercise your brain for free whether you are waiting for the bus or at the doctor’s office.

Cost: Free

Taasky

Taasky allows different categories of lists and is set up to allow you to have the top priority as a main option. This is the best way to be able to work through your list and truly focus on the first item.

Cost: Free

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College Decision 2015 n 7

Helpful tools for personal finance There are many websites to help you track your spending and investments. Some even offer advice and help you plan a budget. Here are a few:

IEO (iExpenseonline) Gives guidance on improving habits

Websites

CREDIT SCORE DISTRIBUTION

800 or more

• mint – Allows you to budget as well as connect and view all of your financial accounts • Pay Pal – Pay for many things online securely.

• Simplifi – Helps you reach financial goals like saving for retirement and repaying debt.

• Credit karma – Offers a free score and advice on how to improve it • portfolio monkey – Analyzes your expected returns, losses; also lets you reallocate your portfolio.

TurboTax Let's you calculate and file taxes electronically.

EEBA Easy Envelope Budget Aide produces budgeting reports

Apps iWallet Tracks income and expenses

Debt Dog Calculates the true cost of purchases on credit.

750– 799

499 or less 500–549 550– 599 600– 649

650– 700– 699 749

courtesy of Complexsearch.com

The majority of the population has credit scores between 700–749.

College students can start to build credit through renting as well as using credits cards for purchases such as a new laptop as long as they are paid off quickly.

10 ways to make money in college When you’re a busy college student with a full curriculum, it may be difficult to find another job to earn some extra money. However, there are a few ways to make money that won’t damage your study time and that pay well enough to get some needed cash. Here are a few simple ways to help you earn some extra bucks while keeping on top of those college courses.

time and are interested, check out near-campus restaurants and retail establishments.

3. Sell your old stuff

Declutter your closet. There are apps like Poshmark and stores like Plato’s Closet that will buy your old goods. Craigslist is another great way to sell used items.

4. Be a guinea pig

Sign up for corporate or university studies to make some quick cash. Definitely check out your schools psychology department.

7. Get a job on campus

Making money in college may be as easy as videoing a class. Check out the on-campus jobs offered in the different departments at your college.

8. Get into landscaping

You can make money in college by offering to rake leaves or mow yards. These are flexible jobs that pay right away.

9. Help your fellow students

5. Get crafty

If you’re a crafting connoisseur, you can sell your masterpieces on sites like Etsy. Logos and art can end up being great sales.

If you’re a good student, you can offer to help others out in your classes by proofreading papers, creating study guides, tutoring, etc. Set a reasonable price and you may be surprised at how many students jump at the offer of a little assistance. Try connecting with an area school, community organization, or parents’ group to sell your services.

6. Pet sit

10. Sell your old text books

Love animals? If so, your dilemma of how to make money in college can be solved by becoming a pet sitter (or dog walker). This job would provide flexible hours which is perfect for the busy college student. You will also get plenty of exercise.

You can find places to sell your old text books online and probably at your college’s bookstore. Even if it’s not the end or beginning of a new semester, you might still be able to find buyers for your books.

1. Babysit

Babysitting provides flexible hours, decent pay, and often a chance to study while on the job. If you know of a family member, friend or colleague that may be looking for a sitter, be sure to offer your services. There are also many credible websites that connect you with locals who are asking for sitters.

2. Take a part time job off campus

There are a variety of places that can provide flexible schedules for college students. If you have the

Many schools offer work-study programs where students can work a variety of jobs in exchange for compensation. Tutoring, library aides and front desk jobs in dorm rooms and campus buildings are just a few of the options on campus.

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Wednesday, January 28, 2015

Our Belief is in You! At the University of Mobile, 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. We believe that choosing the best college for you is a major step toward preparing you to make a real difference in this world.

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.

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 “America’s 100 Best College Buys,” and recognized as a “Military Friendly School.”

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

University of Mobile was founded in 1961 and is recognized in “America’s Best You may schedule at a time that is convenient, or sign up for our special Christian Colleges” and “America’s Best College Buys.”

Visit Days on Jan. 30, Feb. 20 and March 20 for potential students and their families.

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

There are special sessions on financial aid ¬¬– and we offer some amazing scholarships and financial aid packages that make our private college much more affordable than most Belief in Experience others in the region.

Our students learn leadership by leading. You can work side-by-side with UMobile Or, schedule a time to visit that is convenient for you and your family. To attend a Visit staff at events such as the University of Mobile Leadership Banquet that has brought Day or arrange a campus visit at another time, sign up at umobile.edu/visit. speakers to Mobile such as former U.S. President George W. Bush and former Secretary

of State 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.

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.

Belief in People

You will meet professors, including some that just might be your Baldwin County neighbors, like Dr. Ted Mashburn in humanities 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 22 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 Adult and Professional Studies. Several areas offer 5-year programs where you can earn both a bachelor’s and master’s degree.

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.

Belief in You

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.

Read about three UMobile students who competed on Jeff Foxworthy’s Game Show Network show “The American Bible Challenge,” and read an in-depth interview with our philosophy professor Dr. Ted Mashburn. An article on Ram Rush 2014 will give you an idea of what the first week on campus is like, and you will meet some of our recent alumni who are on a world race, releasing albums, and publishing books they have written and illustrated.

Check out the magazine online at umobilemagazine.com – and be sure to scroll down for a video about our School of Nursing.

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 by faculty and staff, and with the advice and support of upperclassmen Peer Leaders.

The University of Mobile is in “America’s 100 Best College Buys” and “America’s Best Christian Colleges.”

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College Decision 2015 n 9

Belief is the foundation of University of Mobile. 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.

EARN A $2000

Scholarship

BY ATTENDING ONE OF UMOBILE’S VISIT DAYS*

January 30, 2015 February 20, 2015 March 20, 2015

#beliefinu //// umobile.edu/visit • 800.WIN.RAMS • 251.442.2222 *A $2000 scholarship is available to new traditional undergraduate students who attend a UMobile Visit Day, apply for admissions, and enroll at UMobile. This scholarship awards $250 per semester for up to 8 consecutive semesters, excluding the summer semester. Only one UMobile Visit Day Scholarship is available per person.

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Care packages are a great way to help college students out and show them you are thinking about them. Some campuses even have care package programs once or twice a year where you pay for a package that they assemble for the students.

Care package ideas

By Destiny Brown dbrown@gulfcoastnewspapers.com

T

here are plenty of reasons to send a little love to your special student. Care packages are like Christmas morning to some students and can provide the neccessities to get through a difficult time. Some of the best ideas are the simplest and you don't need to look any further for some great suggestions that will spark some of your own great ideas. Use this guide of care package ideas and send your college student something to show that you care.

First Day Care Package

• School supplies like pencils, ruler, notepads, white out, staplers, erasers and other special supplies needed for classes.

• Coffee (if the student has access to a coffee maker) • To-go coffee cup • Water bottle •Crackers or some kind of snack for between classes

The Things You Forgot Care Package • Floss • Toothpaste/toothbrush • Deodorant • Cotton balls • Face wash/body wash • Shampoo/conditioner • Face wipes • Tylenol • Towel

The Get Well Soon Care Package • Honey • Lemon • Tea bags • Mug • Cough drops • Kleenex

The Feel of Home Care Package • Favorite hometown restaurant items • Baked goods

The Sunshine Care Package

Collect these or other yellow items.

• Burts Bees items • Lemonheads, yellow Starbursts, Milk Duds or other yellow packaged candies • Lemon tea • Juicy Fruit gum • Regular Lays potato chips • Macaroni and cheese packages • Crystal Light lemonade packets

Stress Buster Care Package • Energy bars • Granola • Stress ball • Coffee • Index cards

Night at the Movies Care Package • Microwave popcorn and/or candy • A few favorite DVD’s • Popcorn folding boxes

5 tips to make the best care package 1. Always include a hand-written letter or note.

It’s important to send a memo to let your care package receiver know you care. Your note can be as simple as saying “have a great day.”

2. Ask for help.

Some care package ideas can come from bouncing ideas off friends and family. Whenever you hear of a clever package idea from a friend, be sure to remember it.

3. Think outside the box.

Themed care packages give you a lay out to go by and sticking to a certain theme makes care packages assembling easier. Themes can be as simple as a movie night package or a spring break survival kit.

4. Make sure you send enough to share.

If you bake cookies or send other snacks, be sure to include enough for them to share.

5. Plan early and keep a list.

It’s never too early to plan care packages. Keep a notebook of ideas as they come to you so that way you’ll always have a plan for that special occasion.

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College Decision 2015 n 11

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 were approximately 37 million student loan borrowers with outstanding student loans as of 2013.

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

Source: FRBNY/Equifax 2013

1999-2000

2004-2005

2009-2010

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

2012-2013

12 n College Decision 2015

GufllfCoastNewsToday.com

Wednesday, January 28, 2015

Questions to ask when choosing a college C Admissions

Popular college organizations and volunteer opportunities

Where can I get an application?

What is the application fee and deadline?

What do tuition, room and board cost?

What are your GPA and ACT statistics?

Are achievement tests required?

How can high school courses count for college credit?

Are there any other requirements?

Do I need to take any special high school courses?

Do you have a summer transition program?

When is it best to visit the school?

Can I stay overnight in the dorm and visit classes?

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

Financial Aid

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.

What types of aid do you offer?

How do I find out about grants and scholarships offered by your school?

What percentage of students work?

How easy is it to obtain a job on campus?

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.

The School

How large is your school?

How close is it to local life?

How large is the city or town?

Is on campus parking available?

What is the school culture?

College newspaper

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

Programs and Organizations

Is your college two or four years?

What degrees do you offer?

How large are classes?

Do I need a computer?

Are computer labs offered?

When should I choose a major?

What types of internship experiences are available?

Student Life

Is there on-campus housing?

Is on-campus housing coed?

What percentage of students live on campus?

How are roommates selected?

Cultural and religious groups photo courtesy of the university of south alabama

What's the social atmosphere?

Is it a suitcase/commuter school on weekends?

What type of organizations and clubs are there?

What sports do you participate in? Intercollegiate, club, and intramural?

What are some of the other extracurricular activities?

How good is the dorm security?

What are the campus crime statistics?

What percentage of students study abroad?

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 courses toward the completiom of a degree in Emergency Medical Services Education, Physical Health Sciences and 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!

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.

Wednesday, January 28, 2015

GufllfCoastNewsToday.com

College Decision 2015 n 13

Choosing a college major

By Destiny Brown dbrown@gulfcoastnewspapers.com

than trying to look up details on a university website.

It’s difficult to preplan 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.

Choose your passion

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

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

TOP 5 Highest earning majors in 2014 • Petroleum Engineering • Chemical Engineering • Nuclear Engineering • Computer Engineering • Electrical Engineering

Lowest earning majors in 2014 • Child and Family Studies • Elementary Education • Exercise Science • Broadcast Journalism • Social work Source: ThinkAdvisor.com

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.

Photos 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

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 - Hospitality & Tourism Management

USA Baldwin County...

Closer Than You Realize Call Today 251-928-8133

14 n College Decision 2015

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Wednesday, January 28, 2015

Do's and don'ts of living off campus S

o you've decided to live off campus?

With the independence, privacy and space, the idea seems desirable to plenty of incoming students. However, there are some important things to remember while living in your own place. Here are a few tips to maximize your off-campus experience.

It’s great to have your friends over every now and then, but remember you have neighbors to be cautious of. Limit the number of friends at your space and take parking into consideration.

Remember noise complaints are much more serious when the cops knock on your door instead of your friendly RA.

Do's

Do set a food budget.

Most on-campus students are required to purchase meal plans, which can be expensive. Since you're living off campus, be sure to watch how much you spend on food daily. Set aside a limit every week and try not to overspend.

Do eat healthy.

Since you’re responsible for buying your own food, choose wisely.

Living off campus can help avoid the freshman fifteen if you eat right.

Find the nearest grocery store with the best prices and keep an eye out for sales. It may be a good idea to set a meal plan for the week so you'll know exactly what you're looking for in the food isles.

Do build credit.

Paying rent and utilities on a credit card on a monthly basis will start building solid credit history. Post college, you'll be glad you got an early start on building your credit up.

photo courtesy of the university of mobile

Do choose your roommate wisely, if you choose to have one.

You have more control over who your roommates are when you live off campus. It may be a good idea to get to know your potential roommate beforehand, this way you aren't stuck with someone you can't stand to be around.

Do take advantage of your amenities.

So you have a pool at your apartment complex?

A gym? Take advantage of these facilities any chance you get. Most of your comrades are working out at the student activity center while your gym is pretty much inhome.

Don'ts

Don’t take your space for granted.

Cooking and cleaning are all great ways to prepare for the transition of life after college. Clean at least once a week to tidy up your space and

keep in mind that cooking tends to be healthcare than eating out.

Don’t be a hermit.

Just because you live off campus, doesn't mean you should refuse to participate in campus activities. Living off campus makes it easier to stay at home, but don’t let that ruin your social life.

Join a club, volunteer or attend campus activities to makes sure you don’t fall into a life off campus slump.

Don’t skip class.

It’s much more tempting to skip class when you have to go through the extra work of finding transportation to class.

Don't let living off campus interfere with your class attendance. Motivate yourself to skip as little class as possible.

You'll be grateful when exam time rolls around.

Don’t make your place the hang out spot.

Living off campus means more distractions.

Don’t wait until it’s too late to find good housing.

It’s important to give yourself plenty of time to do your research.

• Choose a place close to campus. If you want to save some gas money, research bus routes or find a place close enough to bike or walk to class.

• Establish a good relationship with your landlord, resident staff and neighbors. These relationships will come in handy in the future.

• It may be good idea to find a place with appliances such as a refrigerator, dishwasher and washing machine/ dryer so you don't have to purchase these items yourself or use them elsewhere.

• Don't be lazy. It’s very important to research neighborhoods and complex cost comparisons so you get the best deal.

• If you have a pet, be sure you pick a place that allows you to own a pet.

Insight on life after college for the graduate

F

photo courtesy of the university of south alabama

or 2015 graduates, the end of spring marks the end of the collegiate life. Responsibility sets in and the transition can be quite a change for most. You’ll be required to make many more adult decisions than you were required during your college years, but don’t worry — it sounds more stressful that is.

Here is some insight on what’s next for college students who are planning past spring break.

Begin looking for job opportunities right away.

You won’t be able to act on anything until you know what location your income will be coming from. Most colleges offer updates on job opportunities in the area. If you have questions, you should visit the career department at your college.

They are usually more than willing to help. If you prefer to live in a spe-

cific location, it’s never too early to begin the job search. Networking is a huge part of college, so be sure to take advantage of your college sources to expand your options. You want to have many options on where to go after you toss the cap.

While considering a place to live, consider a place that’s already furnished if you don’t plan on staying long. It will save moving cost, time and patience. You don’t want to buy expensive furniture when you don’t know how long your committed to a place. Save the furniture expenses for a place that you can see yourself spending at least 3-5 years.

To assist with the expenses of living, it’s never too early for college students to start building credit. To rent most apartments or homes, good credit is a must. Begin

paying your bills and other expenses you think you can handle on a credit card to build up credit. Research more about which provider to use and your credit choices, because there are many options to choose from.

Ask your banker, who are usually more than helpful with getting young adults a fresh start on building credit.

Now that you’re past your college days, it’s a good idea to start paying more attention to your diet and your body. One tip to eating healthier is to leave your college diet behind. One of a college students biggest diet mistakes is forgoing nutrients for convenience. When easy mac and ramen noodles used to be staples, switch to healthier options since you will be able to shop and cook with no latefor-class worries. Spend

time at the grocery store, like an adult, and figure out a healthy meal plan that you can get into a routine of.

To go with your new diet, be sure not to hold back on exercising also.

While you used to get away with walking to class for exercise, now it’s time to pay more attention to your body. Join a gym or sign up for a local yoga class or other activity. If your apartment complex has a gym, take advantage of those facilities to get into your best post college shape. Getting active is also a great way to make new friends after college.

The end of college is the beginning of the real world. It can be overwhelming if you’re not prepared, but with the help of friends and family, and these post graduation tips, you’re on your way to a smooth after-college transition.

Wednesday, January 28, 2015

GufllfCoastNewsToday.com

College Decision 2015 n 15

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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)

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 Surveying and Geomatics

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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 It is the official policy of the Alabama State Department of Postsecondary Education and Faulkner State Community College that no person in Alabama shall, on the grounds of race, color, disability, gender, religion, creed, national origin, or age, be excluded from participation in, be denied the benefits of, or be subjected to discrimination or harassment under any program, activity, or employment.

16 n College Decision 2015

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Wednesday, January 28, 2015

FAULKNER STATE COMMUNITY COLLEGE A GREAT EDUCATION • A LOT OF FUN

Alabama’s Lowest Tuition More than 100 majors to choose from Academic courses guaranteed by state law to transfer to any Alabama university COURSES TO FIT YOUR BUSY SCHEDULE:

•1, 2 and 3 days a week •Nights and weekends •Internet courses

Apply Today!

Come for a campus tour and meet our friendly faculty, staff and students.

Scholarships and financial aid are available.

1-800-381-FSCC (3722) or 251-580-2100

Bay Minette • Fairhope • Gulf Shores It is the official policy of the Alabama State Department of Postsecondary Education and Faulkner State Community College that no person in Alabama shall, on the grounds of race, color, disability, gender, religion, creed, national origin, or age, be excluded from participation in, be denied the benefits of, or be subjected to discrimination or harassment under any program, activity, or employment.