50 Tips for College Students

Learn how to have a happy and successful college career.

Published on August 23, 2010 by Stephanie Sarkis, Ph.D. in Here, There, and Everywhere

I did the "extended tour" of college. From about 1991-2002. I did get 4 degrees, so at least I have an excuse. :) I've also been an adjunct professor, so I've also been at the other side of the classroom.

1) The Freshman Fifteen does exist. So does the Freshman Twenty. Watch how many starches and processed foods you are eating.

2) Pizza - the ubiquitous college snack. See #1.

3) If it's either take out a loan or quit school, take out a loan.

4) If you can live harmoniously with someone in a 20×20 ft. space, you can do anything.

5) Flip-flops: Wear them in the dorm shower. Always.

6) Always attend the *real* class, and use the Internet one for review.

7) If you are not a morning person, don't schedule classes for 7am. You will not go.

8) Get involved on campus. All work and no *productive* socializing is boring.

9) Too much socializing = bad grades. Everything in moderation.

10) If you are feeling overwhelmed, are having problems sleeping, or have gone through a breakup,
visit your college's counseling center. If you are feeling suicidal at any point, call your college's crisis
center number or call 911 immediately.

11) There are a lot of free activities on campus. Take advantage of them.

12) Many colleges have free tutoring centers on campus. Take advantage of them.

13) Sit near the front of class.

14) Attend the whole class. Even if you feel like you will just die if you sit there any longer. Even if you
feel your brain start to ooze out the side of your ear. Because we (professors) sometimes give really important info at the end of class.

15) Recopy your notes after class. Or if you've typed them (which is recommended), do a quick read-through after class.

16) Remember that although you are 18, your college may have the right to contact your parents if you are caught drinking underage.

17) Don't do anything stupid (read: illegal). It will go down on your permanent record. Seriously. At every college you apply to after this one.

18) Register for classes as early as possible. Early bird catches the worm and all that.

19) See how your first semester goes before you consider getting a job. See how heavy your course load is first.

20) Find a bank that also has branches in your hometown. Get your account connected to your parents' account so they can transfer money to you.

21) Use direct deposit and automatic withdrawal for paychecks/loanchecks/ check checks. Less chance of you losing it.

22) Use virus protection and firewalls on your laptop.

23) The student bookstore (online and in real life) can have great student discounts on hardware/software.

24) Reconsider bringing a car to campus your first semester. It can be a pain to park.

25) Pack the clothes you need for college, and then take half of that amount.

26) The more underwear you have, the less you have to do laundry.

27) If you are doing laundry on campus or at a laundromat, stay with your clothes. Otherwise they may walk off while you are gone.

28) I can't emphasize this enough: INTRODUCE YOURSELF TO YOUR PROFESSORS AND GO TO THEIR OFFICE HOURS. This is so important, I'll tell it to you again: INTRODUCE YOURSELF TO YOUR PROFESSORS AND GO TO THEIR OFFICE HOURS. We're nice people. Seriously. And we really like it when someone is interested in our classes.

29) Use the college's career resource center - not just when you are going to graduate, but when you are figuring out what you want to do with your life. It's a free service. Use the free services.

30) For the love of God, please, please do not leave candles burning in your dorm room or apartment. Or those incense burning thingies. Bad things happen when those are left on.

31) If you have a tendency to be messy, your roommate may be compulsively neat. The general rule is that the messier you are, the more neat your roommate will be. Try to pull it together. Especially regarding food. Always throw out leftover food. That's just gross, messy or not. Learning how to adapt to someone else's living style is a wonderful learning experience. Really. And if you complained about having to share a room with your siblings while you were growing up, when you get to college you learn that you are actually ahead of the curve. :)

32) Stay on campus on weekends. If you go home every weekend because you are homesick or have a girlfriend/boyfriend back home, you will be missing out on a lot of the college experience.

33) Get your flu shots. Yearly.

34) Use condoms. Every time.

35) Long-distance relationships are a challenge to keep up when you are away at school.

36) If you get that "ick" feeling that you shouldn't be doing something or shouldn't be somewhere, stop doing it and get out of there.

37) You may feel like your parents are hovering too much. Look at it this way: they've been taking care of you since you were a baby. That doesn't just stop. Cut them some slack. The more independent and wisedecisions you make on your own, the more they will have confidence in your abilities as an adult.

38) Just because you and your roommate were friends back home doesn't mean you will be compatible roommates. You find out new things about people when you are sharing a small space. But you can work it out. Even if you and your roommate are total strangers and are completely different - you may become great friends.

39) If your roommate is doing something that bothers you, ask yourself the following three questions: 1) Am I being reasonable in being bothered by this? 2) What's the best way to talk to my roommate about this? 3) What are some solutions to this issue? If all else fails and the issue is very important to you and you've talked to your roommate to no avail, talk to your Resident Assistant.

40) Practice safety. Don't walk home alone in the dark. Walk with someone. Many campuses have services where you can call and someone will walk back to your dorm with you.

41) Just because you *can* do something doesn't mean you should.

42) Use flashcards to quiz yourself when studying. And get someone else to quiz you with them. If you always quiz yourself with your own flashcards, you may skip over some that you don't know the answer to.

43) You may not know what you want to do for a major. It's okay. There are people much older than you that still aren't sure what they want to do with their lives. That's okay. See your academic adviser for help. Pay attention to which classes you really look forward to - that can be a clue as to what you might want to major in.

44) If you have a dining card/pass - do not treat all your friends to lunch and dinner. That is real money. Real money that you will be asking your parents for when it runs out.

45) Study groups can be helpful - but keep it to between 3 and 5 members (including you). More than that, and it turns into a social event.

46) If you have ADHD or a learning disability, apply for accommodations as soon as possible - even right after you find out you've been accepted to school.

47) Sleep. Get it. Get enough. You may be laughing at this, being a college student and all...but you need to get enough sleep.

48) Wash your hands. Often. Living in the dorms is a communal living experience. Germs love communal living.

49) Keep in touch with your friends from back home, but be open to meeting people of all different cultures and interests.

50) Enjoy your college experience - it's one most rewarding experiences of your life, academically and socially.

Dr. Sarkis is the author of Making the Grade with ADD: A Student's Guide to Succeeding in College with Attention Deficit Disorder.

Original Post: http://www.psychologytoday.com/blog/here-there-and-everywhere/201008/50-tips-college-students

Feel free to add your college tips!
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How to Conquer your Student Loans

Don't despair. You have options with private lenders and the feds to cut your payments.

[Click here to check current credit card offers, including rates and terms.] When Angela Moore looks into her future, she sees checks for $500, $147, $280 and $250 piling up like leaves in a forest. Those are the amounts she could be paying every single month on her four student loans, which total $92,000, for the next several decades. If she postpones payments, the amounts she owes will go up. If she skips them, she could ruin her credit and end up in court.

Moore, 26, graduated with a bachelor's degree from the University of Hartford in 2009 with $25,000 in federal student loans and $67,000 in private loans. She devotes about half of her paycheck to those bills and resorts to credit cards to cover other expenses. Says Moore, the first in her family to graduate from college, "It's heartbreaking to have a college degree and not be able to pay for normal things because I have to pay student loans."

Moore works at an orthopedic surgeon's office, the same job she had in college. She would like to move on someday but can't afford to make less than her current wage of about $18 an hour. Nor does she see an obvious way out of her predicament. "If you're in that much debt and have a house or car, you at least have something you can give back. I have a piece of paper. I have nothing to give back."

Meet the young and burdened. Of borrowers who graduated from four-year colleges in 2008, 10% walked away with $40,000 or more in student debt, almost three times the number of students who borrowed at that level in 2000, according to the Project on Student Debt, an advocacy group. The default rate for students who entered repayment between fiscal year 2006 and fiscal year 2007 was 6.7%, the highest since 1998.

[See Feasibility of Student Loan Repayment]

You'd think bankruptcy would be a solution to massive student debt, but for most people, it is not an option. You must demonstrate to a judge that repayment would cause "undue hardship," a term interpreted by some courts to mean the "certainty of hopelessness," according to Deanne Loonin, of the National Consumer Law Center. This strict standard applies to both federal and private student loans. Proposed legislation in Congress would change that standard for private student loans, making them eligible for discharge under the more lenient rules that apply to credit-card and other consumer debt.

Meanwhile, federal loans offer programs that let you reduce payments or even qualify for loan forgiveness. As for private loans, some lenders are offering deals to borrowers rather than see loans go south.

Cut a Deal With a Lender

A few years ago, lenders were rushing to offer private loans to students, including those who were less than creditworthy. Now, borrowers who couldn't afford the loans in the first place are defaulting in droves, says Joshua Cohen, a Hartford-based lawyer who specializes in debt. "The industry is either going to take a bath or start coming after people."

Some lenders hope to avoid both scenarios by offering interest-only repayments or other arrangements that lower payments for a time. "It does us no good to have a customer with a loan he or she is unable to repay," says Patricia Christel, of Sallie Mae, the giant student-loan company. Check your promissory note to see whether it includes such provisions. "It's very case-by-case," says Loonin. If it does not, try to negotiate a plan with your lender.

If you don't reach an agreement, ask the lender for forbearance, in which you make no payments at all for three-month increments, usually for no more than a year (interest continues to accrue). Lenders are less willing than they once were to sign off on these deals, but they may do so if they believe the break will get you back on track. "The important message is, contact your lender sooner rather than later," says Tim Ranzetta, of Student Lending Analytics.

[See MBA Programs That Generate the Highest Pay]

With federal loans, you can be past due for months before going into default. With private loans, you generally fall into that category as soon as you miss one payment. A collector will start calling, and eventually a third-party collection agency will take over the loan. (The Fair Debt Collection Practices Act protects you from abusive collection practices.

Unlike the feds, who have the authority to tap your resources, private creditors must go to court to collect debts. "Until then, there's nothing they can do," says Cohen. Defaults are subject to your state's statute of limitations, typically six years. If you do get sued and lose, the creditor can garnish your wages, put a lien on your house and wipe out your bank account.

Pick a Plan From Uncle Sam

Federal loans, which include Perkins loans, Stafford loans and Grad Plus loans, provide more options. (The Perkins loan repayment provisions differ somewhat from the other two; call your school for details.) For Staffords and Grad Plus loans, the standard plan gets you out from under after 120 equal monthly payments over ten years. If you can't afford those payments but expect to have a higher income in a few years, you can choose the graduated plan, through which you make lower payments in the first few years and higher payments later over the ten-year span. Because you pay less at the beginning, you pay more interest overall.

If you owe at least $30,000 in federal loans, consider the extended repayment plan, which lets you stretch monthly payments as far out as 25 years, for lower monthly amounts but at a higher cost. Or you can consolidate your federal loans through the federal Direct Loan program and extend your payments to 12 to 30 years, depending on the amount you owe. (For details, seewww.loanconsolidation.ed.gov.)

Borrowers whose federal debt outstrips their annual income should look into the income-based repayment plan, which is "like gold" for those who qualify, says Edie Irons, of the Project on Student Debt. This program, which improves on two other income-based programs, can reduce your payments to as low as zero.

You probably qualify if your total debt exceeds your annual income. After 25 years, any remaining debt is forgiven; you owe tax on the forgiven amount. If you enter the income-based repayment plan and then get a big bump in salary, your payments from that point on are calculated according to the standard plan.

Cops, public defenders, public-school teachers and others working full-time in the public sector qualify for cancellation of any remaining debt after 120 payments, made on or after October 1, 2007. To get this deal, your loans must be with the federal Direct Loan program, as opposed to the now-defunct program (known as FFEL) offered by private lenders. You can consolidate FFEL loans into the Direct Loan program. The forgiven amount is tax-free.

You have the right to defer federal-loan repayments for up to three years if you are unemployed, experiencing economic hardship, attending school at least half-time or serving on active duty in the military. The feds pick up the interest during the deferment on subsidized loans but not on unsubsidized loans. Call your lender for details.

If deferment isn't an option, ask your lender for forbearance. With a federal loan, you can suspend payments for up to three 12-month periods. Depending on the amount you earn and owe, you may be legally entitled to this deal. If not, ask anyway: It's in the lender's best interest to give you time to get on your feet. Interest accrues during forbearance.

Original Article