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THURSDAY, SEPT. 5, 2019 VOLUME 94 ■ ISSUE 4

SPORTS

OPINIONS

ONLINE

INDEX

Tech embraces fast pace offense.

Midwest Nice versus Southern Hospitality.

Follow us @DailyToreador and @DT_Photo on social media on Saturday for live updates and photos and videos fromTexasTech game day.

PG 5

PG 4

ONLINE

LA VIDA SPORTS OPINIONS CROSSWORD CLASSIFIEDS SUDOKU

FINANCES

FINANCES

Staff provides insight on Tech tuition, other expenses By ADÁN RUBIO News Editor

When deciding which college to attend, most students may not understand what all goes into a university’s tuition. At Texas Tech, knowing what one is paying for can be important for most students. Regardless if one is an out-ofstate or in-state student, there are a variety of components that go into one’s tuition for the school year. Tech Chief Financial Officer Noel Sloan said the estimated tuition is set every two years. “We go to our Board of Regents in December of odd-number years with a two-year plan just to have a larger planning cycle,” she said. “That is a really involved process.” Since the university has a differential tuition model, Sloan said the deans of the Tech colleges look at the base needs in accordance to the Higher Education Price Index. She said the deans also provide insight on what aspects of their college cost more and if certain programs need increases in differential tuition. “On the student fees side, Student Government Association names representatives to serve on student fee committees,” Sloan said. “So, there’s a separate committee for each one of the student fees, whether that’s student union, student services, the recreation center.” For information on what fees are required in addition to tuition, one can visit the Tech Institutional Research website. During the fall term, Sloan said the student representatives make recommendations on whether certain fees need to be increased in order to acquire more services for students. In addition to how tuition and fees are determined for a school year, Tech students may also

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Carelessness, financial ignorance add to student debt

wonder how tuition is used. About two-thirds of Tech tuition goes to student services and instructor salaries while onethird of tuition goes to academic and institutional support, which consists of Tech staff members, administration and campus utilities, Sloan said. To help students get the most out of their tuition, Tech is working to make sure students are advised properly, so they do not have to stay in college longer than needed. “The focus, for a couple of years now, has been on the 30 equals four,” she said. “If you take 30 semester credit hours a year to graduate in four years, it also helps on the student debt side.” To learn more about what one’s estimated tuition could be for a semester, Sloan said one can go on the Student Business Services’ website and use the tuition estimator. She said one can look at how different factors, such as being an out-of-state-student and credit hours, can impact an estimated tuition amount. When a student graduates on time, Sloan said they can get a job sooner. She said the university has seen a lot of progress with the 30 equals four initiative and progress in graduation and retention rates. Working to get the most credit hours out of every semester is a goal for some college students, as they may want to avoid a lot of debt after graduation. Tech President Lawrence Schovanec said tuition is a big factor for prospective college regardless of the school. Controlling costs and providing sufficient revenues to pay and hire faculty and provide services for students are goals he said the university is managing while trying to combat the student debt issue.

By ADÁN RUBIO News Editor

As student debt continues to be a prominent issue on college campuses, many students will try to obtain as much financial aid as possible. However, how a student uses certain financial aid may lead to a bigger accumulation of student debt. Using financial aid for non-educational expenses may be a decision people fall back on when expenses, such as rent and food, take precedence over tuition and college fees. Russell James, professor and CH Foundation chair in the Texas Tech Personal Financial Planning department, said student debt is the worst kind of debt one can have. “Once you have it, it’s nearly impossible to get out of it,” he said. “It’s quite concerning because from a financial planning perspective, it’s the worst possible kind of debt that a student can have.” Student borrowing funds for lifestyle expenses is the biggest issue James said occurs among college students. He said some students prioritize expenses consisting of food, rent, travel and other lifestyle necessities over tuition and other college fees. “That decision to go into debt for lifestyle choices can be very detrimental because once you have gotten into this kind of debt that you can’t get away from, you’ve essentially give up much of your freedom to choose what you want to do with your life,” he said. “It is concerning because the issue isn’t ‘Does it make sense to borrow money to get a degree,’ the issue is ‘Does it make sense to borrow money to have a more enjoyable lifestyle while I’m a student?’” Even though student debt is a prominent issue among most college students, one may not realize the actual amount the average student has accumulated.

SEE TUITION, PG. 2

SEE DEBT, PG. 2

CAMPUS

SOCCER

Research grants students educational, life skills Seniors honored this Friday night By ALESSANDRA SINGH

By ARIANNA FLORES

Research opportunities are growing fast for undergraduate students at Texas Tech. Programs like Undergraduate Research Scholars (URS) and Pi Squared are helping not only build students résumés, but also give the students real-life experience. Michael San Francisco, dean of the Honors College, said there are many benefits to engaging in research programs. “(Students) can do research either for money, they get paid hourly, or they do research for credit,” he said. “But the bottom line is the engagement in that experience to do something outside the classroom.” Approximately 1,500 undergraduate students conduct research in many departments across campus. San Francisco said the most rewarding part about the student’s involvement in URS or Pi2 is the growth in their imagination. “(Students) ask questions about things we do not understand and then to design experiments to address those questions,” he said.

The Texas Tech soccer team will honor five Red Raiders for senior night at 7 p.m. on Friday to celebrate their commitment to the program. Senior defender Margaret Begley appeared in 17 games her rookie season for Tech and started in one game as a freshman, according to

Staff Writer

SEE RESEARCH, PG. 3

Staff Writer

Tech Athletics. Begley suffered two consecutive ACL injuries preventing her from being on the field, but this season, Begley was named a captain for the 2019 season. In both her sophomore and redshirt junior season, Begley earned Academic All-Big 12 First Team honors for her dedication in the classroom.

SEE SENIOR NIGHT, PG. 6

IKECHUKWU DIKE/The Daily Toreador

MCKENZIE GARZA/The Daily Toreador

Shalika Silva and Aryiah Stith, a junior microbiology major from Smyer, Texas, discuss their research on Wednesday, Aug. 28, 2019. Undergraduate research helps students build their résumés and gain experience.

Freshman defender Hannah Anderson battles with an Oral Roberts player for possession of the ball on Thursday, Aug. 29, at the John Walker Soccer Complex. Tech defeated Oral Roberts, 4-0, in Tech’s home opener.


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