If you are one of the millions of college graduates struggling with student loan debt, you might be considering an option to refinance. Even though community college is often more affordable than a traditional four-year university, school is never cheap. Depending how much debt you have and how much you are able to pay, you might be able to consolidate and/or refinance your loans to make your payments more affordable – keep reading to learn more.
Save Money by Refinancing Your Student Loans
Refinancing your loans means that you will be repaying your existing debt by taking on a new loan with new terms, often from a new creditor. Two of the most common options for refinancing your student loans are private loan refinancing and federal loan consolidation. Again, it depends on the type of loans you have and how much debt you have as well. If you are able to refinance through a private lender you might be able to get a lower interest rate while federal loan consolidation is usually a good option for people who are looking to simplify the repayment process by lumping multiple loans into a single payment plan. Loan consolidation may or may not give you a better interest rate.
If you’re thinking about refinancing your community college student loans, there are a few questions you should ask yourself first:
- Why are you refinancing?
- What are your options?
- What rate can I get?
The first question about why you are refinancing is very important – your goals will help you
Choosing a college is a major decision that will affect at least the next two to four years of your life, depending which school and which program you choose. Many students attend college right out of high school simply because it seems like the logical next step. With college tuition rising each year and millions of college graduates still struggling to start a career, however, it is important to think through this decision completely before you make your choice.
Keep reading to learn about the top ten questions to ask yourself before going to college as well as some important questions to ask when it comes to making your decision.
Ten Questions to Ask Yourself Before Going to College
Before you even decide to attend college, there are some important questions that you need to ask yourself. Your answers to these questions will help you to determining if the timing is right for you to attend college or if you might be better off waiting a few years. These questions will also help you to narrow down your choice for a major so you can choose the best college to fit your interests. Here are the top ten questions to ask yourself as you think about attending college:
- Do you know what you want to study? If you don’t already have some idea what you want to study in college, it might not be the right time to go. College is expensive and the last thing you want to do is waste your
Students who choose to attend community college over a traditional four-year university do so to save money or to have greater flexibility with their classes. Just because you choose a community college, however, doesn’t mean you have to miss out on a true college experience. Many community colleges are starting to offer their students the same benefits that more traditional colleges offer, including study abroad opportunities. If you are a community college student considering a study abroad program, take the time to learn the pros and cons before you make your choice.
Can Community College Students Study Abroad?
Unless you’ve already done some research, you may not know that study abroad is even an option for community college students. The fact of the matter is, however, that more community college students are taking advantage of study abroad programs than ever before. According to research, nearly 6,000 community college students participated in study abroad programs in the 2012 to 2013 school year. That was a 12% increase from the year before, and the number continues to rise. Even though there are more community college students studying abroad each year, they are still just a drop in the bucket. In terms of the total number of American students who study abroad each year, community college students only represent about 3% of the total.
What Are the Pros and Cons of Studying Abroad?
Before you decide to study abroad, there are many things you need to think about. It takes a lot of preparation to arrange
Community college offers a wonderful alternative to traditional four-year colleges and universities in many ways. Not only are community college degrees generally much more affordable, but the programs themselves are also very flexible. Many community colleges offer online classes which is particularly beneficial for non-traditional students, including parents and students who work a full-time job. Keep reading to learn more about non-traditional students in community college and tips for success.
What is a Non-Traditional Student?
College students come in all kinds of packages, but the majority of students fall into the same categories in terms of age and lifestyle. When it comes to community college versus four-year colleges and universities, however, there are some major differences among the student body. Community colleges tend to attract more “non-traditional” students, but what does that really mean? According to the National Center for Education Statistics (NCES), there are seven characteristics that are commonly seen in students who qualify as “non-traditional” – here they are:
- Didn’t go to college right after graduating high school
- Attending college part-time instead of full-time
- Working a full-time job while in school
- Being financially independent from parents and family
- Having children or other dependents
- Being a single parent
- Having a GED rather than a high school diploma
Of course, not all non-traditional students fit all of these criteria, but you really only need one to be grouped in this category. You may be surprised to learn, however, just how common non-traditional students are at the undergraduate level as a whole – it is close to 75% of
Many students choose community college over a traditional four-year university because it is the more affordable option. A year of tuition at community college could be as low as $3,500 compared to more than $33,000 for a private university. But just because community college is more affordable doesn’t necessarily mean it is any less a real college. Many community colleges strive to mimic the “true” college experience by offering their students campus housing and social activities.
Another way in which community colleges strive to compete with traditional universities is by offering athletics programs. In early March of 2017, community college athletics was a trending topic on Twitter, Instagram, and other social media. Keep reading to learn more.
Students Choose Community Colleges for Sports
In early March 2017, the Twitter hashtag #communitycollege was filled with announcements made by incoming community college students making commitments based on athletics. Here is an overview of some of those announcements:
- On March 2, 2017, Twitter handle @jvaught11 posted, “Excited to announce that I have signed to play baseball at Chandler Gilbert Community College.” Home of the Wild Coyotes, Chandler Gilbert Community College is located in Chandler, Arizona and they offer a variety of different sports programs including baseball, basketball, golf, soccer, softball and volleyball.
- On March 8, 2017, Twitter handle @CoachRegalado posted, “Congrats to @mgonzalez13 on her visit and PWO offer to Laredo Community College!” Laredo Community College, also known as LCC, is located in Laredo, Texas and offers sports programs including baseball, softball, volleyball, tennis,