A Guide to Surviving College
Category: Cheap textbooks blog, Facebook, Good writing, Guest Blogger, advice for students, afford college, affordable textbooks, books, bookstores, cheap books, cheap textbooks, cheaper books, college admission, college advice, college bookstores, college students advice, college students tips, college study advice, college worth, colleges, education, finding books, finding textbooks, free books, free textbooks, going to college, good GPA, good grades, guest blog post, guest post, save money at Amazon, save money in college, search for books, social media, student loan reform, student loans, study tips, textbooks, used books
Tags: college experience, college experiences, college guide, college humor, guide to college, humor, save money in college, textbooks
How to Find Cheap Textbooks
Category: afford college, affordable textbooks, cheap textbooks, cheaper books, college advice, textbooks
Tags: buy cheap textbooks, find cheap textbooks, online price comparison, save money on textbooks
In recent decades the cost of a college education has had an astonishing annual rate of growth, this rate far exceeds that of inflation and is even greater than that of health care! What is worse, the value of a college education has steadily decreased in recent decades, where once a college degree meant that you could find a well paying job that would allow you to have a nice house, raise a family… today, most college grads are lucky to find a job, and those that get a job are lucky if they are able to pay off their student loans by age 40! Despite this, for most of us a college education is still a necessity, and we must therefore try to find ways to make college more affordable. Given that students do not have the power to negotiate their tuition, technology fees, dorm costs… students must look for other places where to save money, and one of the easiest places for a student to save a ton of money is by locating affordable textbooks
finding cheap textbooks is often more of an art rather than a science, there are many tricks to do this, you can buy books directly from students who took the course during the last semester, or you can agree to share a textbook with a friend who will be taking the course with you. (University libraries will often allow you to borrow any textbook from the library of another university, and this is a great way to get free textbooks!) But the best way to get cheap textbooks still remains shopping online, doing your research and buying your books early (often before the start of the semester if you are looking to get the best deals).
When it comes to going online to buy your books, there are many online bookstores that sell new and used books, and often they compete with each other to have the lowest price, additionally many of these stores allow individuals to sell their used books for any price, so you are likely to see a large price difference on almost every book when looking at different sites. In order to find the best prices you have a few options, you can go to each online bookstore manually, and compare prices by hand, or you can use a textbook price comparison service that will compare prices at the largest bookstores on the web and will give you the best price on any book.
When it comes to timing and buying your books early, there are a few reasons for this, the first is b/c shipping takes time, and you want to have your books as early as possible to do the work. But the bigger reason (at least when it comes to the price question) is b/c you are not the only student looking for cheap textbooks and the cheapest books are typically gone very early in the semester.
Anyway, these are just a few thoughts I had about finding cheap textbooks, if you know of any other tricks to getting a deal on books that I did not discuss please mention it as a comment below.
Scholarships, Grants, and Loans: What’s the Difference?
Category: Scholarship info, advice for students, afford college
Tags: affording college, college grants info, get scholarships, scholarships information
A guest post by Jeff Manors
Jeff Manors recently graduated from college with a lot of debt. He is happy to help others reduce how much debt they leave college with because he knows how hard it can be to have a lot of it. He is currently writing for online scholarship Info
Most people already know one key difference between scholarships, grants, and loans: of the three, only loans have to be paid back. Both scholarships and grants will never have to be paid back, so they could be called free money.
The catch is that you often have to either do some work or meet specific requirements (sometimes both) in order to get a scholarship or a grant, so it’s not completely free since it will take time and effort to get. Furthermore, if those scholarships or grants come from the government, they are being funded, at least in part, by the taxes you are paying. But, since you have to pay those taxes anyway, you might as well try to get some benefit out of it.
Before we completely dive into the difference, let’s point out one interesting similarity. All three require applications of some sort in order to obtain them. To go along with this, that means that all three have certain requirements that must be met. Not everybody can get a loan, though the requirements for a loan are often considerably lower than the requirements for a scholarship or grant.
So, here are the differences:
Schola
rships – scholarships are always for the purpose of sending someone to school. They are usually given based on one of two things: achievements and need. Having higher grades can earn you a scholarship, but so can having less money than most people. In rare cases, both are necessary in order to get a particular scholarship. Scholarships never have to be paid back, and usually the government is the one funding the scholarship, though sometimes other non-profit organizations will. This is also the easiest to get online through certain online scholarship programs.
Grants – grants are given in order for the grantee to complete a specific venture. Sometimes that venture is opening a small business, sometimes it is getting a college education. Grants often require proposals in order to obtain them, and they are usually based on what you want to do and your qualifications for completing that venture. In rare cases, grants can be need-based, like many scholarships. The Pell Grant, for example, is paid by the government to students who have low-income backgrounds. Grants can be from the government or other non-profit organizations, though government grants are more common. Again, these never have to be paid back.
Loans – loans can be for a variety of different things. Personal loans for buying a car or computer are fairly common, as are house loans and student loans. In most cases, you must meet certain minimum income requirements and credit score requirements that vary based on the amount you wish to borrow in order to qualify. If you do not qualify, someone who does must co-sign your loan, which means they promise to pay it if you fail to. Most loans come from private lenders, but the government does offer special student loans that might not need a co-signer. Student loans are almost always deferred until graduation, which means you won’t have to start paying them back until a set amount of time after you graduate. However, for most student loans, interest will continue to build even while you’re still attending school, so you should be careful about how much you borrow.
Scholarships and grants are very similar for most students, but loans are quite different. Try to avoid loans if you can, but it’s better to borrow and get a college degree than to not get a college degree at all.
Effective Ways to Win College Scholarships
Category: afford college, college advice, college loans, college scholarships, college students advice, college students tips, guest blog post
Tags: college financial aid, scholarship advice
A guest post by Sally Croft
Sally is an educationist with a difference. She has keen interest in helping college students to find easy solutions for student loans and scholarships. Sally is bringing change to students’ lives through the career guide section of her Student Loan Blog; she prepares students for professional life by providing consultation for job requirements & employers expectations.
For more information about Student Loan Blog visit: student loan info
Sponsorships are the best financial option for any student seeking to pursue college education. Sponsorship comes in the form of part and full scholarships. Part scholarships are usually offered at the local level and are onetime sums offered to students. Full time sponsorships are usually offered by colleges, research centers and government sponsored organizations. Every scholarship brings it own set of rules. Successful students must meet these rules in order to qualify for selection.
How to get a College scholarship
Winning a scholarship takes planning, preparation and some luck. As a result, students should seek advice from their career counselors on the best methods to win a scholarship. Here I will attempt to give some tips that can also be used to get your share of the over $50 billion available in scholarships.
1. Solid foundation: Your quest for scholarship sponsorship begins in high school. For students to be first considered for scholarships, they must have GPAs above the average. Having an above average will turn the spotlights on your grades and propel you to the front of the line with those suggested for scholarships.
2. Research: Students must conduct research about and scholarships and grants that are available. It is amazing to see the staggering amounts of scholarships that go unclaimed each year. Students can turn to the school’s placement center or conduct their own online search from one of the many websites dedicated to hunt for scholarships.
3. Make an application: It is impossible to win a scholarship before making an application. Students must complete the scholarship application and submit it to the relevant authorities.
4. Apply for both local and college level scholarship: Although most local scholarships will be of much lesser value, receiving a payment of $2500 towards your tuition is much better than nothing. In addition, the competition for local sponsorship is much less; hence students are more likely to succeed in winning a scholarship.
5. Extracurricular activity: A record of involvement in extracurricular activity is a favorite with scholarship boards. They like students who give back to their community. They thus can easily identify with these students as they are also trying to give back in the form of scholarships.
6. Have some talent: Sponsors of scholarships are quick to snap up talented students. Talent may range from sports, art, music and education. Some scholarship sponsors see this as an opportunity to use these talented students as a part of their marketing campaign. Others hope they can tie these talented students to loyalty contracts where they must spend some time with the organization after graduating.
7. Knock out essay: Most scholarships require students to write an essay. By proper planning, time management and sound research, students must try to produce their best work. Ensure the essay is properly vetted to be free of mistakes.
8. Target Ethnic Groups: Many ethnic groups have their own scholarship that supports their students. Writing an honest application, clearly stating your need for a scholarship may just land you scholarship success.
9. Be persistent: There is no guarantee you will win the first scholarship to which you apply. Therefore, student should be persistent and continue sending out those applications.
10. Focus on scholarships that you qualify for: It makes no sense to apply for a medical scholarship if you are an engineering student. Be smart and research the scholarship before wasting your time.
As UC Regents Approve Major Tuition Hike, Students, Faculty Decry Erosion of Public Education in CA and Nationwide
Category: afford college, high tuition, university news
Tags: high tuition, university news
Amid thousands of student protesters and armed police standing guard, the University of California’s Board of Regents has approved a 32 percent increase in student fees. The vote will bring the total cost of a UC education to more than $10,000 per year for the first time. We discuss the protests and the growing privatization of public education with UCLA student activist Zen Dochterman and the president of the UC American Federation of Teachers, Bob Samuels.
Interview transcript:
AMY GOODMAN: Amid thousands of student protesters and armed police standing guard, the University of California’s Board of Regents approved a 32 percent increase in student fees Thursday. A crowd of about 2,000 protesters, including students and labor union activists from across UC campuses, faced a large force of police in riot gear outside UCLA’s Covel Commons, where the regents met. The twenty-one regents approved the fee hikes with little debate. Only student regent Jesse Bernal voted against the increase.
After the vote, some of the regents were trapped inside as students protested outside the building and all over campus, marching in the streets and in lecture halls. The demonstrations were part of a system-wide strike to protest the fee increases, which will bring the total cost of a UC education to more than $10,000 per year for the first time.
Early Thursday morning, students from UCLA and other UC campuses barricaded themselves inside Campbell Hall and occupied the building. They renamed it “Carter-Huggins Hall” in honor of two Black Panthers who were shot and killed in the building during a Black Student Union meeting in 1969. This is how one student protester, speaking from inside the occupied building, described the action.
- UC STUDENT: I’m a student representing no one. Statement by the occupiers of Campbell Hall, now renamed carter-Huggins Hall. On 19 November at approximately 12:30 a.m., students occupied Campbell Hall at UCLA. The time has come for us to make a statement and issue our demands. In response to this injunction, we say we will ask nothing. We will demand nothing. We will take. We will occupy. We have to learn not to tiptoe through space which ought to be, by right, to belong to everyone.
We are under no illusions. The UC Regents will vote the budget cuts and raise student fees. The profoundly undemocratic nature of their decision making process and their indifference to the plight of those who struggle to afford an education or keep their jobs can come as no surprise. We know that the crisis is systematic. It reaches beyond the regents, beyond the criminal budget cuts in Sacramento, beyond the economic crisis, to the very foundations of our society.
But we also know that the enormity of the problem is just as often an excuse for doing nothing. We choose to fight back, to resist where we find ourselves, the place we live and work, our university. We therefore ask that those who share in our struggle lend us not only their sympathy, but their active support. For those students who work two or three jobs while going to school, to those parents for whom the violation of the UC charter means the prospect of affordable education remains out of reach, to laid-off teachers, lecturers, to students turned away, to workers who have seen the value of their diplomas evaporate in an economy that grows without producing jobs, we say that our struggle is your struggle, that alternative is possible if you have the courage to seize it. We are determined that the struggle should spread. That is the condition in which the realization of our demands becomes possible.
AMY GOODMAN: Police arrested more than fifty of the students after they refused to leave.
For more on this, we are joined here in Los Angeles by two peope. Zen Dochterman is a UCLA graduate student. He joins us on the telephone. We’re also joined here in the studio in Los Angeles by another guest. We’re joined by Bob Samuels, who is the president of the University of California American Federation of Teachers. He runs the blog “Changing Universities.”
We welcome you both to Democracy Now! I’d like to start with Zen Dochterman. You’re a UCLA graduate student. You were at the protest. Describe what happened.
ZEN DOCHTERMAN: OK. Well, I was there mainly for the protests on Wednesday, and so—so on Wednesday, basically we witnessed police—police tasering students and beating students. And then basically I was—yesterday I was away from the actual scene for most of the day, but we’ve heard that people were surrounding Covel Commons, where the regents were having their meeting, also surrounding the actual—the actual vehicles where the regents were leaving. And so, there were—there were many student direct actions aimed at blocking these fee hikes.
AMY GOODMAN: Bob Samuels, just explain the situation right now. Why are these student hikes? What’s the justification for the 32 percent increase in student fees?
BOB SAMUELS: Well, President Yudof, the president of the University of California system, says that because of state cut to the UC budget from 20 percent of the state contribution, which is—the state only contributes about—contributes only about 15 percent of the total budget, but because of that cut, they say they have to raise student fees. And our argument has been that this is actually a record year of revenue for the UC system, and the problem is they just don’t want to spend the money on instruction. So what they’re doing instead—
AMY GOODMAN: How could it be a record year?
BOB SAMUELS: They brought in a lot of money from the federal stimulus money. They had a record year in their research grants. They had a record year in medical profits. Most of their money is brought in by selling parking, housing and medical services throughout California. So they had a record year in that revenue. They had a record year in grants. And so, actually, last year they ended up getting more money than before from the state, because they got the federal stimulus money.
AMY GOODMAN: And so, what is the justification then? Explain further where that money goes.
BOB SAMUELS: Well, you know, the university says that it’s poor, that it can’t spend money from its other areas on students, on instructions, and so it has to basically—what it’s doing now is laying off hundreds of faculty members, especially the non-tenured lecturers, and it’s increasing class size.
And money is being funneled into the compensation of the star faculty and the star administrators, because in the UC system there’s over 3,000 people who make over $200,000. And many of them make $400,000, $500,000. A lot of them are mostly administrators and staff, and so the university has—basically has fewer and fewer faculty, more and more students and more and more administrators.
And so, what’s going to happen is it takes students longer to graduate. They can’t get the classes they need. And I teach required writing classes at UCLA, and they just laid off our entire department. And we have required classes, so we don’t know what they’re going to do. And the dean of our division told us the university simply does not have money for undergraduate education.
AMY GOODMAN: Doesn’t have money for undergraduate education. But what about the administration, the money that goes into the non-teaching staffs at the university throughout the system? And we’re talking about three basic tiers, right?
BOB SAMUELS: Right.
AMY GOODMAN: Explain that.
BOB SAMUELS: Well, in California, we have the University of California, and some of the schools are UCLA, UC Berkeley. We have the CSU system. And then we have the community college—
AMY GOODMAN: And the CSU system is…?
BOB SAMUELS: The California State University system. And then we have the community college system. And the way it’s supposed to work is there’s a master plan, and the top students are supposed to go to the University of California. It’s the top ten percent of California students. And then another large group is supposed to go to the California State Universities. And then everyone else is supposed to go to the community college.
What’s going now is California right now has the second lowest rate of students who go directly from high school to a four-year university. It’s the only—only Mississippi has fewer students. And what we’re afraid is with these fee increases, what they’re talking about doing is raising the fees and basically lowering enrollment and increasing the amount of out-of-state students. So California next year will be—have the lowest rate of students who go directly from high school to college in the entire country.
AMY GOODMAN: And the issue of the non-teaching staffs, the administration?
BOB SAMUELS: That the administration keeps on expanding and growing. They keep on hiring more and more administrators. We’re not exactly sure what they do. And our joke at University of California is, when two administrators walk into a room, three always walk out. So we never know exactly what they do, but there’s just more and more of them.
AMY GOODMAN: So what kind of cuts are they suffering, the administrators?
BOB SAMUELS: The administrators are cutting—are virtually no cuts. In fact, the same meeting, when they decided to raise student fees, they voted on millions of dollars of increased salaries and special bonuses to administrators and to the highest-paid people. And so, there has been several compensation scandals in the UC system. And what they discovered is the UC has secret packages that it gives a lot of its administrators and athletic coaches and some of its star faculty, a small percentage, and that it makes these secret deals, it breaks its own rules, and that money continually floats to the top of the university. So while we think the universities are often these progressive institutions, they often are run like large corporations. And that’s one of our concerns.
One of the stories I want to talk about is just that UC lost over $23 billion in investments in the last two years. And one reason why it lost so much money is that it invested heavily in toxic assets and in real estate. And it followed the Yale model of investing in these high-risk assets, and at first it gained a lot of money. And what’s happening across the country are universities, especially the private universities, they’re losing so much money in their endowments that they’re having to raise, once again, their tuition and also cut classes, cut faculty, and especially the non-tenure track faculty are the most vulnerable. And at the UC system, the non-tenure track faculty teach over 50 percent of the classes, and those are the ones that they’re laying off and that they’re firing. And they’re also basically reducing the salaries of the workers and also increasing their workload. At the same time, they’re refusing to negotiate with the unions.
AMY GOODMAN: What is President Yudof’s strategy?
BOB SAMUELS: I think his main strategy is basically to blame the state for everything, while they try to privatize the university. And a very telling moment came. After the UC’s budget was cut by the state, the UC turned around and lent $200 million to the state. And people said, how can you lend $200 million to the state while you’re giving faculty furloughs and while you’re raising student fees and while you’re cutting classes? And he said, “When we lend money to the state, we make a profit from interest. But when we spend money just on teachers’ salaries, that money just disappears.” So, from his perspective, instruction is a losing proposition, and the university should just try to get out of the business of basically teaching students and hiring faculty.
AMY GOODMAN: You’ve talked about a great deal of money being lost.
BOB SAMUELS: Right. Well, that money, the $23 billion, is mostly in the pension fund and its endowment and its short-term investments. And so, that’s really a long-term problem. And the UC still has a $20 billion budget. It had more money brought into the system last year than any year before. It doesn’t have to raise student fees. It doesn’t have to fire faculty. It doesn’t have to cut courses. They’re talking about eliminating minors and majors. They’re talking about moving classes online. They’re doing these drastic things. And what we’re seeing is just basically undergraduate students are subsidizing research, they’re subsidizing administrators, they’re subsidizing things that have nothing to do with undergraduate instruction.
AMY GOODMAN: Bob Samuels, the implications of what’s happening here in California for the rest of the country?
BOB SAMUELS: Well, basically, what we’re seeing, especially at the major prestigious universities, is more and more—only upper middle class, upper class students can go to them. And they’re privatizing these institutions. And the institutions—what happened about 1980 was that states started to cut their funding of higher education, and so universities looked for other ways of making money, and so they concentrated on raising funds and doing research, and especially research funded by corporations and the federal government. And so, basically now at a lot of universities, instruction only represents about ten percent of the budget, and so it’s a minor aspect of the universities.
And most people don’t know that, that universities, in some ways, are just kind of fronts for investment banks and investments, because at the University of California, the regents, who are the main financial overseers of the university, are appointed by the governor for twelve-year terms. And most of the regents now are Republicans, who not only have voted against taxes and have not only tried to defund higher education—and they’re the ones in charge in many ways—but they’re also business people chosen by Republican governors. And those—and they are real estate people, they’re investment bankers. The new head of the—the chair of the UC Regents is the former head of Wachovia, and he actually—they sold subprime student loans, right? And they profit from the student loans. And also, they pushed the UC into investing heavily into mortgage-backed securities and into real estate right when those were tanking.
And so, I really think that the Board of Regents basically is forcing the UC or motivating the UC to make a lot of incredibly bad investments, and when the investments turn bad, then they try to take it out on the students, on the faculty and the workers.
AMY GOODMAN: I want to just end with this USA Today latest study of compensation, revealing that at least twenty-five college head football coaches make $2 million or more this season, slightly more than double the number two years ago.
BOB SAMUELS: The UC Berkeley faculty last week voted a resolution to stop subsidizing the athletic department. Apparently UC Berkeley has been paying, subsidizing out of student fees, $3 million to $4 million a year. What most people don’t know is most athletic departments lose money, and the big departments lose a lot of money. And student fees often go to paying for athletic departments. And also, we found out that student fees go as collateral to—for construction bonds.
AMY GOODMAN: We’re going to end with Zen Dochterman.
Just a correction: I said that fifty-two students were arrested at Campbell Hall at UCLA. It was actually at UC Davis, at University of California, Davis, when they refused to leave the administration building.
Zen Dochterman, what are the plans now?
ZEN DOCHTERMAN: Well, first of all, I just wanted to reiterate a lot of what Bob Samuels said, is that students are fighting not just these 32 percent fee increases, but they are fighting the links of the university to the larger economic system as a whole. We are fighting the privatization of the university and the effects that has. We’re fighting the re-segregation of the university and the way in which these fee hikes also exclude people of color and working-class people from attending higher education, and that public education is supposed to have a universal—a universal scope. But what we’re seeing is an antagonism between that mission and everything that is going on.
So I think what is important for many of us is to recognize that we are part of a larger international student movement that sprung up in places as far away as Vienna and Heidelberg, and Berkeley also, of course, and London, and that really what we need to be focusing on is not so much the issue of fee hikes and layoffs, which are also important, but really that the universities need to belong to the students and the workers who work there.
And so, I would say that the next sort of step for many of us will be talking to our departments, talking to our unions. And many of us have also been working with people in the unions at the UC, such as AFSCME, the UAW, UPTE, so talking more with the unions, more with the student groups, more with our departments, and even more with our friends, and organizing.
We also have a big day coming up, March 4th, which is a public education system-wide day of protest. There have been many thoughts about what kinds of actions there might be on that day, going everything—
AMY GOODMAN: March 4th?
ZEN DOCHTERMAN: —going to everything from system-wide shutdowns of campuses, also going to tuition—tuition strike. So there are many things being talked about now, but we can definitely say that March 4th will be the next sort of November 18th and 19th in the—not just at the UC, but at the public education—
AMY GOODMAN: Well, Zen Dochterman, I want to thank you very much for being with us, UCLA graduate student, on the phone with us. And Bob Samuels, president of the University of California American Federation of Teachers, runs that blog called “Changing Universities.”
(copied from Democracynow.org)















