How Do You Use a Degree That Isn’t Very Specific?

Do You Have Useless Degrees Useless College Degrees CAN Still Help (1)Hello! Enjoy this post from my friend Martin. I know this situation applies to many out there (the possibility of what you or others may believe to be useless degrees), so hopefully this post can help someone out! 

“Why did you waste your time on that degree?”

The most ignorant question in the world. You deserve a smack across the face if you’ve ever asked anyone this. There’s no such thing as a waste of time if you learned a few things and opened your eyes a little. Also, it’s none of your business what someone else studied, unless you of course paid for their full education.

Why would you ask someone this?

The person with the degree doesn’t possess the power to time travel and change things. It’s already too late. They have the degree proudly hanging on the wall. There’s no need to be a ruthless jerk who puts down their friends. The person on the other end will get highly defensive and the argument won’t be pretty.

Why would you ask such an ignorant question?

Sadly, European relatives ask this all of the time. So do friends on Facebook. Most people will ask about why you studied what you did. It’s fairly standard small talk. [Read more…]

What Parents Can Do To Help Their Child Make The Most Out Of College

What Parents Can Do To Help Their Child Make The Most Out Of CollegeHello! Enjoy this post from a fellow blogger.

I’m a new mom with an eight month old boy who is growing way too fast for my liking.  Although he won’t be in college for another 18 years, I have already begun to worry about everything college related when it comes to his future. 

And I should be worried.  College students today have it a lot harder than students did even 10 years ago. 

The job market is more competitive than ever and college degrees, while completely necessary, are just not enough anymore. 

Today more than ever, job seekers need a college degree.  There’s no denying that.

More and more employers require a bachelor’s degree for jobs that do not require college-level skills, and jobs that in the past were predominately held by workers without college degrees. [Read more…]

6 Ways I Saved Money On College Costs

How Much Does College Cost College Costs A College Budget

How much does college cost? This is a question many wonder. There’s rarely a week that goes by where I don’t receive an email from a student or parents of a student who are looking for ways to cut college costs. That’s why today I want to talk about college costs and how you can create a college budget that works.

College is very expensive – there is no doubt about that.

However, I want you to know that it IS possible to get a valuable college degree on a budget!

The average public university is over $20,000 per year and the average private university totals over $45,000 once you account for tuition, room and board, fees, textbooks, living expenses and more.

Even with how expensive college can possibly be, there are many ways to cut college expenses and create a college budget so that you can control rising college costs.

Continue reading below to read about the many different ways I cut college costs. While I was not perfect and still racked up student loan debt, I did earn three college degrees on a reasonable budget.

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3 Key Factors To Consider When Comparing College Costs

3 Key Factors To Consider When Comparing College CostsHello! Please enjoy this post from a blog friend.

College is often the first financial decision many young adults make.

Unfortunately, for many, it is often the most expensive decision after factoring in repayment terms and cost of interest.

While many may have a first choice of school they’d like to attend, students should objectively compare college costs in order to determine what will be the best fit in the long run.

Here are three key factors to consider when comparing college costs.


Scholarship Considerations

Depending on the size of school, competition for admission, and where the school is located a student may be granted more aid at one institution than another.

It is up for the student to weigh scholarship costs with coming out of pocket or taking out student loans to make up the difference at another school that may not offer as much aid! [Read more…]

How I Paid Off $38,000 In Student Loan Debt In 7 Months

Student Loan Repayment Plan - How I Did It In 7 MonthsLately, I have received many questions asking how I was able to pay off my student loans so quickly. I haven’t talked much about my student loans since I paid them off in July of 2013, but I know many struggle with their student loan repayment plan each and every day.

Due to this, it is a topic I am always happy to cover. Paying off your student loans is a wonderful feeling and I want to help everyone else experience the same.


Background on my student loans.

To start off, I am going to provide a quick background on my student loans.

I worked full-time all throughout college. I worked as a retail manager from when I was a teenager until I graduated with my two undergraduate degrees (I was a double major). Then, I was lucky and found a financial analyst position right when I graduated. I took around six months off from college, then I went back to get my Finance MBA, all while still working full-time and building my business.

Even though I worked full-time, I didn’t really put any money towards my student loan debt while I was in college. [Read more…]

Should I Ruin My Retirement By Helping My Child Through College?

Should I Ruin My Retirement By Helping My Child Through CollegeToday’s topic will probably be a touchy one and it’s all about whether or not parents should start (or end) saving for children’s college expenses. Ever since I paid off my $38,000 worth of student loans last year, I have received many e-mails from parents who are interested in seeking help for their children.

These e-mails are all related to whether or not parents should risk or sometimes even ruin their retirement by helping their child pay for college.

There is usually one common theme in these e-mails – the parents are usually not on track for retirement, they have debt, or they cannot afford to help their child in college.

Here are some of the stories I have heard in these emails:

  • The parents have over $100,000 in student loans that they took out in THEIR name so their child could go to school. These parents are not on track for retirement and they have a lot of other debt besides student loans.
  • Their child is in medical school and the parents are paying for all of their college expenses plus food, car, rent, etc. These parents are not on track for retirement and they have debt.
  • Their child is in law school and the child said that if his/her parents don’t continue paying for their expenses, that they would hate their parents. This child was even more mad when the parents printed out every single blog post of mine and gave it to them (I did not tell their parents to do that, it was entirely their idea). The child said I was ruining his/her life (yup, that actually happened). These parents are not on track for retirement and they are afraid of losing their child now as well.

I know I’m not a parent.

I’m not a parenting or child expert either. [Read more…]