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Home Plan for College Careers How to Write a Cover Letter
  • Contents
  • Tips for Writing Your Cover Letter

How to Write a Cover Letter

ARindfleisch
By Ainsley Rindfleisch
December 27, 2022
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Most job openings require applicants to submit cover letters and resumes. Resumes outline your work experience, educational background, and skills via bullet points and section headers. Cover letters enable you to describe your qualifications personally and in more depth. They should be about four paragraphs long and no more than one page in total.

Tips for Writing Your Cover Letter

Give yourself a few days for the process of writing your letter. Don’t worry, you won’t be writing all of this time. On day one, you could prep and draft your first version (along with your resume's first version, if necessary) and send them to friends and family for proofing on the second day. It often helps to write your resume first so you can refer to it as you write your cover letter, but this is not strictly necessary. On day three, you could revisit both documents with fresh eyes and comments from the reviewers.

As you review, follow these few key important tips:

Review Cover Letter Examples

It’s hard to write a cover letter and craft compelling opening paragraphs if you have no template or example. Read cover letter samples in job search books and on reputable job search websites. Pay attention to examples deemed “good” and “bad.” You want to include the right things and avoid potentially costly errors.

While you’re reading these samples, keep the job description with job requirements handy. Jot down any ideas you have for your cover letter.

Brainstorm

Write down anything you have that could constitute work experience: volunteer work, internships, on-campus jobs, mowing lawns, or babysitting work, to give a few examples.

Reflect on these occasions and write what you did and what you accomplished. Metrics are great because they quantify your accomplishments. “Worked as a babysitter in the neighborhood,” has less impact than, “Babysat for five families totaling 15 children.”

Similarly, “Maintained the blog and social media,” has less impact than, “Coordinated and produced content for daily social media posts and two blog posts per week.”

Nail the Basics

You may have to do a little research to find the basics, or they could be in the job listings. You should address your cover letter to a specific person and need details on the following for crafting your letter:

  • The recruiter or hiring manager’s name and job title (this is who you address the cover letter to unless the ad specifies otherwise)
  • The email address of the hiring manager and the mailing address of the company
  • Copy of the job listing(s)
  • The needs of the company for this position

Keep the letter to one page. Include your name and contact information at the top. You can format this in different ways, for example, with your name in a shaded bar across the top and your address, phone number, email, and LinkedIn profile link in a right-side shaded column.

Next, list the date, the recruiter or hiring manager's name and title, and then the company address. Write a salutation that says something like, “Dear [Hiring manager’s first name],” with the comma included.

Avoid using a, “Dear Sir or Madam,” opening because it is impersonal and not gender-inclusive. Try social media or the email contact address if you cannot find a name for the hiring manager. Re-read the job description. Some descriptions are quite lengthy, and it's easy to miss information. You can also contact the company directly and ask.

Otherwise, go for something along the lines of, “Dear Marketing Hiring Manager,” or “To the Digital Marketing Recruiting Team.” (Change “marketing” or “digital marketing” to the relevant field, of course.)

Break the Letter into Paragraphs

Now that you have the salutation and what’s above it completed, it’s time to get into the meat of the letter. Do not simply rehash your resume in narrative form. Aim for a four-paragraph structure that goes as follows.

  • Opening: Explain why you are writing and how you found out about the job (an ad on a specific job search site, a referral from [person’s name], etc.). Touch briefly on who you are (a recent Ph.D. graduate in music, a graduate digital marketer student at the University of Virginia, etc.).
  • Second and third paragraphs: Explain what you are doing professionally at the moment (or have done recently) and how your education and work experience make you an ideal fit for the position. If you’re new to the work world, you may have no paid experience to speak of. Still, you can use volunteering, internships, or tutoring experience to make a connection to the job opening. For example: "When I volunteered at Acme Animal Shelter as a digital marketer last year..."
  • Second and third paragraphs: Structure the paragraphs so that paragraph two reflects why you'd be a great fit for the company, while paragraph three explains why the company would be a good fit for you.
  • Closing paragraph: This paragraph goes something like, "Thank you for taking the time to read this letter. I would love to discuss your digital marketing strategy and show you how I can XYZ.” Mention some kind of action such as discussing or interviewing.
  • Formal closing: Sign off with something such as, “Kind regards,” or “Sincerely.” Be cautious with, “Cheerio!”-type closings that could sound flip.

Make Your Resumes and Cover Letters Consistent

Stick with the same font when you write a cover letter and resume. Ideally use recommended professional fonts such as Arial, Georgia, Garamond, and Times New Roman.

Times New Roman is extremely common, so your cover letter and resume may stand out a little more if you do not go with this font. Avoid Comic Sans, Futura, Papyrus, Impact, Lucida Console, and script fonts. Few people in the business world view these fonts as professional.

Other key areas where job applicants become inconsistent with their cover letter and resume include their name. Their resume might say, “Joseph Jones,” while their cover letter says, “Joe Jones.” Stick with one name, or if you must, go with, “Joseph (Joe) Jones” on both.

Double-check that any mentions of schools, majors, volunteer stints, internships, and the like on your cover letter match what is in your resume. If you wrote your resume six months ago, it might not yet reflect a current volunteer position or the fact that you have completed high school or college.

Stand Out Quickly (For Good Reasons)

Hiring managers might be tasked with reading nearly a hundred or even more cover letters. They are unlikely to give yours much time to make a positive impression before they toss it into the “reject” pile.

To minimize the chances of your letter being disregarded, check its visual organization. Is there plenty of white space? Is your contact information clear and easy to find? The paragraphs shouldn’t be huge, impenetrable blocks of text, nor should the font be tiny or cutesy/unprofessional such as Comic Sans.

The font should not be huge either. Don’t work too hard to fill up space. It is better to have a little extra white space than 18-point regular font. Aim for 12-point font.

Also, don’t be too enthusiastic. Shy away from !!!! and smiley faces. Don't go overboard on flattery, either. Keep your letter authentic.

Get to the Point

To make your letter stand out for good reasons, get to the point in your first paragraph and stick to that formula for the rest of the letter. Avoid being coy and mysterious. Skip openings such as, “Are you looking for an energetic, detail-oriented person to join your team?” You already know the employer is. Pass.

If you have a personal connection to the company, that could catch a hiring manager’s attention. For instance, if marketing manager Jane Doe told you about the position, mention that in the first paragraph. Do not embellish or lie on this point. If you vaguely know someone who works at the company but don’t really have contact with the person, avoid writing, “Marketing manager Jane Doe said I would be a great fit.”

Metrics can go a long way toward illustrating your accomplishments and what you are capable of. You may not have a lot if you are new to the work world, but you could have more up your sleeve than you thought.

That’s where brainstorming pre-cover letter and resume comes in handy. Include one or two metrics if possible, to reinforce statements such as, “I managed the Facebook and Twitter accounts during my volunteer experience.” You could follow that with a metric such as, “Our follower base increased by 25% in the three months I was there.”

Ask Knowledgeable People to Read Your Cover Letter for Feedback

Ask people you trust such as mentors and former teachers to read your cover letter and resume and give feedback. Parents, other relatives, and friends could be options, especially if they have experience in the industry or a strong English background. However, they could be biased, overly critical, or reluctant to criticize.

You could write an excellent cover letter on your first try. If you don’t, that is OK. Remain mindful of job application deadlines and the fact that no one expects perfection. Rather, people like authenticity. Try to address the hiring manager or recruiter by name, illustrate why you are the person for the job, and keep your resumes and cover letters consistent.

 

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Episode 3 - Paying for College part 2
In this second episode of Paying for College, Elaine and Tré break down the importance of budgeting & more when it comes to life as a college student. Also they help you get up to speed on new changes you will be seeing in the 2022-2023 FAFSA application. 
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Episode 4 - Alternative Ways to Pay for College

In this episode we interview special guest, founder and CEO of Stride Funding, Tess Michaels! She stops by to talk with Elaine & Tré about alternative ways to pay for college. Learn all about ISAs and Tess's journey helping students pay for school and more!

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Episode 6 - Expert Tips for Winning Scholarships with Ryan Kelly
Scholarship expert Ryan Kelly talk with us about scholarships. Having won of $150K in scholarships herself, she has some great tips to share.
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Episode 7 - Courageous Conversation
In this episode, Elaine & Tré break down what courageous conversations are how to utilize these conversations in college and your day-to-day life. 
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What is a Loan
By Ainsley Rindfleisch
11/15/2022
A loan is an amount of money that you borrow from a bank, credit union, online lender, other financial institution, or even person with the understanding the money will be paid back later.
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How to Save Money as a College Student
By Ainsley Rindfleisch
11/14/2022
This may be your first time managing your own money; you may not be aware of the different strategies and tools available to help you make your money go further and even save some along the way!
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Investments - smart phone with investment app displayed showing graph of stock performance
Best Investment Apps
By Ainsley Rindfleisch
11/14/2022
Knowing the basics about investments can help you make smart money choices. Investment apps often offer educational resources to help you understand how to grow your money. 
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What is Wealth Management
By Ainsley Rindfleisch
11/14/2022
Wealth management is a service that offers financial advice and combines other financial services to address the needs of clients.
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What is a Trust Fund
By Ainsley Rindfleisch
11/14/2022
A trust fund is a tool that establishes a legal entity to hold property or assets for a person or organization.
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What is a High Yield Savings Account
By Elaine Rubin
11/14/2022
A high-yield savings account is a savings account that offers a higher interest rate than a standard savings account. 
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Episode 11 - Managing Mental Health in College
In this episode Elaine & Tre discuss managing your mental health while in college and offer tips on how to work through the rough times. 
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Episode 10 - Managing Expectations for Financial Aid
In this episode learn what you should know about applying for an receiving financial aid & how to manage your expectations for it. 
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Episode 8 - Tips for a Successful College Experience
In this episode Elaine & Tre break down how to be successful in college, From utilizing all resources you have available to why you should make sure to pass each class you take & more.
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Episode 9 - Biden Student Loan Forgiveness
In this episode Elaine & Tre discuss everything we know so far in regards to the recent announcement of Biden's Student Loan Forgiveness.
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Best Online Savings Accounts for Students March 2023
By Ainsley Rindfleisch
11/11/2022
Just because you are a student doesn’t mean you shouldn’t have a savings account. When it comes to building up your savings, you have time on your side.
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10 Budgeting Tips for College Students
By Ainsley Rindfleisch
11/09/2022
Learn how to manage yourself financially while working towards reaching your financial goals with these 10 useful tips to help you make the most of a student budget. 
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Risk Management - computer screen with 1's and 0's computer code with identity theft spelled out and a shadow of a hand
How to Prevent Identity Theft
By Ainsley Rindfleisch
11/08/2022
Identity theft is when someone uses personal identifiable information (PII) such as your name, Social Security Number or other ID number, banking information or credit card without your permission.
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Understanding the Stock Market
By Ainsley Rindfleisch
11/08/2022
It is possible to navigate the stock market once you understand the basics of what a stock is, how to buy and sell stocks, and why you would want to invest in stocks.
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Two street signs on atop the other, bad credit and good credit - pointing in different directions
What is Credit
By Ainsley Rindfleisch
11/07/2022
Credit is a written agreement where one party (the borrower) borrows money from another party (the lender) with the understanding that the borrowed money will be paid back at a later date, typically with interest.
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Budgeting for a Major Purchase
By Ainsley Rindfleisch
11/07/2022
Big ticket items can take months or years to save up for, so let’s look at what you need to take into consideration what planning for a major purchase.
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Sign with 3 arrows in different directions, spending, budget and saving
Financial Goals
By Ainsley Rindfleisch
11/07/2022
Financial goals are a plan for managing your money. These goals help you to save and manage how you spend, as well as keep you focused on where your money goes.
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The Difference Between Checking and Savings Account
By Ainsley Rindfleisch
11/07/2022
A savings account is primarily used for saving you money while a checking account is intended for daily access to your money.
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Investments - Newspaper on investment section with sign sitting atop with options: stocks, real estate, eft's, mutual funds
Investing for Beginners
By Ainsley Rindfleisch
11/07/2022
While there are many ways to invest, the goal of investing is always the same--a desire to grow your money. 
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What is Interest and How Does it Impact Me?
By Ainsley Rindfleisch
11/07/2022
When you go to a bank or credit union to borrow money, it’s going to cost you as well. Read on to understand how interest works and how to make it work for you!
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How to Budget: Budgeting Tips for College Students
By Ainsley Rindfleisch
11/04/2022
Budgeting allows you to see and track your outgoing expenses from incoming expenses. A budget helps you to manage and master the money you have by allocating it to specific categories.
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Smart phone with budgeting app being accessed
Best Budgeting Apps
By Penny Redlin
10/26/2022
Budgeting is one of the most essential skills an adult can have, yet it’s still a challenge for most young people. Luckily, there are an array of mobile applications on the market that claim to simplify budgeting for users. Consider these top five selections to get your spending habits under control.
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What is Insurance
By Penny Redlin
10/26/2022
Insurance covers part of your financial liability for several incidents, from medical costs to a car accident, to damage to your apartment. No one ever knows what surprises life will bring next. Some are good, but some are not. It’s never too early to review your insurance options to provide peace of mind.
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What is Online Banking
By Penny Redlin
10/26/2022
As long as you have a bank account and a computer or another device that connects to the internet, you can access online banking. There are a few basic steps to establishing your virtual presence. You'll need to know your account numbers for your credit cards, utilities etc., which can typically be found on their respective statements.
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Laptop displaying a credit score of 751 which is good credit
How to Check Your Credit Score
By Penny Redlin
10/26/2022
Checking your credit score is a relatively easy thing to do.  Without having to go too far, you can check your credit card or loan statement.  Many credit card companies and lenders have begun to add your credit score to your statement for your reference. 
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How to Invest in Cryptocurrency
By Penny Redlin
10/26/2022
There are several ways that you can invest in cryptocurrency. The most common method is to buy it directly. This allows you to purchase and store one or more types of cryptocurrencies. The two most popular types of cryptocurrency include Bitcoin and Ethereum, although there are typically many new types to invest in, and are referred to as initial coin offerings.
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Types of Savings Accounts
By Penny Redlin
10/26/2022

If you decide you need a savings account. Here are some of the different types you can choose from: traditional savings accounts, high yield savings accounts, certificate of deposit, money market account and cash management accounts.  

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debt management - piggy bank under water to symbolize being in debt
How to Pay Off Debt
By Penny Redlin
10/26/2022
If you are currently facing debt, like many Americans, you are probably wondering if you’ll ever be able to pay it all off. Unfortunately, many people simply don’t know where to start when it comes to paying off debt. In reality, paying off debt may be easier than you think if you just take small steps. 
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Types of Cryptocurrency
By Penny Redlin
10/26/2022
There are literally thousands of different cryptocurrencies in use all over the globe. While that number sounds staggering, there are around 20 that are the major players in the crypto game. Currently, the five most popular cryptocurrencies include Bitcoin, Ethereum, Tether, USD Coin and Binance Coin.
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What is Overdraft Protection
By Penny Redlin
10/05/2022
When you spend more money than what you have in your bank account, an overdraft can occur. When this happens, your financial institution may charge you an insufficient funds fee. What this means is that your bank chooses to cover the transaction, but at a price. Unfortunately, that price is usually high.
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Printed monthly budget on table with calculator and notepad all ready for review
Budgeting for Beginners
By Penny Redlin
10/05/2022
Budgeting is an important aspect of money management and is a critical tool for obtaining financial security. A good budget helps you achieve solid financial footing for the present and the future.
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What is a Checking Account
By Penny Redlin
10/05/2022
A checking account is what is known as a deposit account. A deposit account is simply an account at a bank or credit union that allows both deposits and withdrawals. Checking and savings accounts and certificates of deposit (CDs) are all examples of deposit accounts.
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What is a Deductible
By Penny Redlin
10/05/2022
Your plan’s deductible is the amount you pay for covered medical expenses before your health insurance will start paying for them. You need to reach the full amount of a deductible in order for a carrier to begin processing and paying claims. 
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Types of Loans
By Penny Redlin
10/05/2022
A loan is money borrowed that is expected to be paid back, typically with interest. Not all loans are created equal. In fact, there are over a dozen types of consumer loans you may use to finance your next big purchase, cover an unexpected expense or fund your future goals.
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What is Cryptocurrency
By Penny Redlin
10/05/2022

Cryptocurrency has been a constant topic of discussion since its rapid ascent to popularity in the 2010s. Many dismissed digital currencies as a fad that would soon fade, but their staying power proved the opposite to be true. If you’re interested in a virtual currency that allows you to break free from financial institutions and harness computer power to generate funds, this is for you.

 

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Savings - Jar of money with label that says emergency fund
What is an Emergency Fund
By Penny Redlin
10/05/2022
An emergency fund is a source of funding on which you can rely when life throws you lemons. It is a cash reserve that you allocate strictly for when unexpected, costly and urgent issues arise. Such issues do not include dire wants, such as a new television or a pair of shoes but rather, true emergencies.
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FAFSA 2023-2024 Guide & Resources
By Elaine Rubin
10/03/2022
Need help filing the FAFSA® (Free Application for Federal Student Aid)? Use this guide to walk your through the process.  
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Are You Ready for the FAFSA?
In this video, learn about what you should know when it comes to this FAFSA season!
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Stride Funding Income Share Agreements Review
By Ainsley Rindfleisch
08/29/2022
Stride offers Income Share Agreements (ISAs) to students as a different option to help pay for school when federal funds aren’t enough.
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What is Student Loan Default and How to Recover
By Elaine Rubin
08/25/2022
Student loan default can stay on your credit report for up to 7 years. Even if you are falling behind on your payments you can prevent student loan default. If you are in student loan default, there are ways to recover.
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Can I Consolidate Student Loans with Bad Credit?
By Elaine Rubin
08/25/2022
You may consolidate federal student loans even if you have bad credit, however consolidating private student loans with bad credit will be more difficult and will require a creditworthy cosigner.
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How do I Locate my Student Loans?
By Elaine Rubin
08/25/2022
Here are four common methods for locating your student loans. You will need to know who your loan servicers are in order to refinance your student loans.
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Private Student Loan Forgiveness
By Edvisors Network
08/25/2022
Private student loan forgiveness does not exist; at least not in the same way that federal student loan forgiveness exists. This article will examine some of the things you may be able to explore with your lender, or potentially with your attorney if you’re pursuing bankruptcy.
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HELOC to Pay Off Student Loans
By Edvisors Network
08/25/2022
Should you use a HELOC to pay your student loans? While it may seem tempting, it also puts your home on the line. Could student loan refinancing be a better solution? Understand what you will be sacrificing if you use a HELOC to pay your student loans and explore other options.
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Understanding Student Loan Deferment and Forbearance
By Edvisors Network
08/25/2022
Student loan deferment is a temporary suspension of student loan payments, whereas forbearance is a plan that temporarily reduces or suspends student loan payments, but the borrower is still responsible for paying the interest on the loan while in forbearance.
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Should I Refinance Student Loans with a Cosigner
By Edvisors Network
08/25/2022
Having a cosigner when you refinance your student loans may help you qualify for a more competitive interest rate. Understand what it means to ask someone to cosign. Look for options like cosigner release.
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How to Transfer a Parent PLUS Loan to a Student
By Edvisors Network
08/24/2022
You took out loans to help your child pay for college, but now that they are independent, you’d like them to assume responsibility for paying the money back. We explain your options.
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What is a Good APR for a Credit Card?
By Hannah Horton
08/24/2022
APR is important to be aware of because it’s the amount you’re charged for borrowing money with your credit card.
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12 Strategies for Smart Student Loan Borrowing
By Ainsley Rindfleisch
08/16/2022
Is your goal to graduate with little to no debt? These 12 strategies for smart borrowing are a great place to start. Learn about gift aid, tuition payment plans, and how to minimize student loan debt.
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How to Graduate with Little or No Debt
By Elaine Rubin
08/15/2022
Most college students take out loans to pay for their education. Learn ways to reduce or eliminate your student loan debt.
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Should You Pay Off Credit Cards or Student Loans First?
By Elaine Rubin
08/15/2022
What’s the best strategy to tackle your credit card and student loan debt? Hear from the experts on the pros and cons of attacking one vs. the other; including how it impacts your credit score.
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Student Loan Hacks
By Elaine Rubin
08/15/2022
You can conquer your student loan debt. Here are some hacks, including tips on loan forgiveness, to help ease the burden of student loan debt.
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How To Get A Credit Card With No Credit
By Hannah Horton
08/12/2022
Although you may not be eligible for a credit card with extensive perks and benefits, you can still begin building your credit score and history
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How To Use A Credit Card
By Hannah Horton
08/12/2022
Whether you want to build your credit or you simply want to conveniently purchase items without paying upfront, a credit card is a great addition to your wallet.
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Graduate School Scholarship
By Ainsley Rindfleisch
08/10/2022
If you are looking to pursue graduate school, know that there is funding available to you through scholarships, grants, and fellowships which can help ease the financial strain.
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What College Should I Go to?
By Ainsley Rindfleisch
08/05/2022
You may want to consider possible majors, location, networking, price, and ultimately, ability to find a job as you decide what college to attend.
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Best Accredited Online Colleges
By Ainsley Rindfleisch
07/20/2022
Read on to see our curated state list of accredited schools with online degree options.
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How to Apply for College
By Ainsley Rindfleisch
07/18/2022
We will walk you through how to apply for college and the three steps you should take when applying to have the best chances of getting into the school that is the right fit for you.
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The Difference Between the ACT and SAT
By Ainsley Rindfleisch
07/15/2022
The ACT and SAT are designed to test college readiness, but vary in structure, timing, and scoring. We’ll walk you through the differences to help decide which test is right for you.
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How to Pay for a Second Bachelor's Degree
By Elaine Rubin
07/15/2022
You can secure financial aid to help you obtain your second undergraduate degree starting with completing the Free Application for Federal Student Aid.
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Private vs. Public College
By Ainsley Rindfleisch
07/12/2022
Deciding to go to public vs private college might not seem important but there are some financial considerations you should think about before making a decision.
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Why Should I Go to College?
By Ainsley Rindfleisch
07/12/2022
College is not required for everyone, but has benefits such as networking, increased income potential, and a variety of career opportunities, to name a few.
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When to Start Applying for College
By Ainsley Rindfleisch
07/11/2022
Starting your college applications early can prevent added and unnecessary stress to your senior year, but read on to learn about the different steps you can take as a high school student to prepare.
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Edly Student Loan Review
By Ainsley Rindfleisch
06/30/2022
Edly offers Income Based Repayment (IBR) loans, an alternative to traditional private student loans.
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Free Online College Courses
By Ainsley Rindfleisch
06/21/2022
Free online college courses are a great resource to help you broaden your pool of knowledge or to help you stay up to date within your industry.
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Best Credit Cards for Fair Credit
By Hannah Horton
06/03/2022
Whether you have fair credit or no credit at all, there’s a credit card option available for you.
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The Common Application
By Ainsley Rindfleisch
06/03/2022
The Common Application is a non-profit organization that offers the Common App, a free college application shared by over 900 member schools.
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Notepad on desk with 529 College Savings Plans written on it
What is a 529 Plan?
A 529 plan, also known as a college savings plan, is a plan that allows you to save and pay for the future education of yourself, your child, a family member, or even friend.
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Affordable Online Colleges
By Ainsley Rindfleisch
05/26/2022
Students can pursue their degree or upskill wherever they are with the lure of affordable and accessible online colleges.
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Military Student Loan Forgiveness
By Ainsley Rindfleisch
05/26/2022
As a member of the military, you have a few options if you are considering military discharge or loan forgiveness as there are special student loan benefits, forgiveness, and repayment options available to you.
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What is Online College Like?
By Ainsley Rindfleisch
05/25/2022
Online courses have a similar workload to their face-to-face classes with similar assignments partnered with virtual lectures and discussion boards to supplement learning.
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How to Get a Degree Through Distance Learning
By Ainsley Rindfleisch
05/25/2022
Getting an online degree is possible with online admission and a variety of courses and programs to choose from—all without having to step foot on a college campus.
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How to Apply for Student Loan Forgiveness
By Ainsley Rindfleisch
05/11/2022
Student loan forgiveness isn’t available to everyone, but for those who qualify it can remove some if not all of your student loan debt. Understanding program eligibility requirements and various application processes can be confusing, learn how to navigate the process.
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Can You Get Student Loans for Online College?
By Ainsley Rindfleisch
05/09/2022
You may be excited to know that you can use federal student aid, federal student loans, and private loans to cover the cost of attending many online colleges.
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What is Distance Learning?
By Ainsley Rindfleisch
04/29/2022
Distance learning now allows students to work from wherever they have internet access. It is possible to learn just as much away from the formal classroom setting.
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Expected Family Contribution
By Elaine Rubin
04/28/2022
Expected family contribution is an index that determines how much financial aid you are eligible for. It’s important to understand what it is and how it effects how much you need to pay for college.
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How Long Does It Take to Pay Off a Student Loan?
By Ainsley Rindfleisch
04/26/2022
You can expect to be paying student loans off for 10 to 25 years, depending on the kind of loan you choose, and the repayment terms you and your lender agree to.
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How to Get a Student Loan
By Ainsley Rindfleisch
04/13/2022
Wondering how to get a student loan? The first step is to fill out the FAFSA.
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Do Student Loans Affect Credit Score?
By Ainsley Rindfleisch
04/11/2022
Your credit score is positively affected by the on-time student loan payments you make, and negatively affected when you miss or make late paymentsYour credit score is positively affected by the student loan payments you make, and negatively affected when you don’t make payments..
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How to Consolidate Student Loans
By Penny Redlin
04/07/2022
For students with multiple loans, consolidation can help simplify the repayment process. Learn the steps and considerations of student loan consolidation.
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When are Student Loans Due?
By Penny Redlin
04/07/2022
Most student loans enter repayment six-months after you graduate or drop below half-time attendance. You can expect your first monthly payment to be due at the end of your grace period.
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Piggy bank wearing graduation cap next to piles of coins to convey paying for college
Most Popular Scholarships for College Students in 2023
By Edvisors Network
04/07/2022
Popular scholarships can be very generous. Students with the qualifications should apply for these awards but know that the competition will be significant.
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College student holding text books with one hand and cash in the other.
Most and Least Lucrative College Academic Majors
By Edvisors Network
04/05/2022
What are the ten highest- and ten lowest-paying college majors for Bachelor's degree recipients? Analysis of U.S. Census Bureau data reveals the facts.
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Is College Education Worth the Cost?
By Edvisors Network
04/05/2022
On average, the wage premium for college graduates exceeds the direct and indirect costs of a college education. Average income increases and unemployment rates decrease with higher educational attainment. So long as debt is kept in sync with annual income after graduation, the college graduate should be able to repay his or her student loans in a reasonable period of time.
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How to Get Grants for College
By Ainsley Rindfleisch
03/29/2022
Grants can offset the cost of attending college and may be received by first filling out the FAFSA ® to see what federal aid you qualify for.
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What is a Merit Scholarship?
By Ainsley Rindfleisch
03/18/2022
Merit scholarships award you for the work you have done during your time in high school and allow you to receive money for school that does not take your family finances into consideration.
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How to Apply for Grants for College
By Ainsley Rindfleisch
03/17/2022
Completing the FAFSA can be a good starting place when seeking a grant to help pay for your education.
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College Scholarships for Kids
By Edvisors Network
03/16/2022
You don’t have to be an incoming or current college student to start the search for scholarships. Check out this list of college scholarships for kids starting at five years old!
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What is a Grant for College?
By Ainsley Rindfleisch
03/10/2022
College grants are monetary gift-aid usually based on financial need to assist in paying for school tuition, fees, and other school-based expenses that are not usually required to be paid back
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What is a Scholarship?
By Ainsley Rindfleisch
02/28/2022
A scholarship is a monetary gift or award to help in covering the costs associated with attending a college and is typically based on meeting certain requirements.
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How to Write a Good College Essay
By Penny Redlin
02/24/2022
Your college essay could be the deciding factor for your acceptance. Learn how to write a good college essay including elements of some of the best winning essays.
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When are College Applications Due
By Penny Redlin
02/21/2022
College application deadlines will vary by school, but most are due in the fall of your senior year of high school (September through December).
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Student Loan Handbook
By Edvisors Network
02/17/2022
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How is a Student Loan Different from a Scholarship
By Ainsley Rindfleisch
02/14/2022
The difference between student loans and scholarships are that scholarships are gift-money that does not been to be paid back whereas student loans are required to be paid back.
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Financial Aid Eligibility and FAFSA Requirements
By Elaine Rubin
02/11/2022
Wondering if you are eligible for financial aid, if filling out the FAFSA will be helpful or not? We explain eligibility requirements for receiving financial aid.
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How to Apply for a Scholarship
By Ainsley Rindfleisch
02/11/2022
Each scholarship program has its own submission requirements and due dates. Carefully read each of the application details to ensure you are a valid applicant for the scholarship.
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How to Get a Scholarship
By Ainsley Rindfleisch
02/09/2022
Understand how to find the best scholarships for you, put forth your best application, and know what happens when you win scholarships.
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How to Get a Full Ride Scholarship
By Ainsley Rindfleisch
01/31/2022
The rare but attainable full ride scholarship can answer the question “how am I going to pay for college?” So what does a full ride scholarship mean and how do you receive one?
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How Long is a College Essay
By Penny Redlin
01/31/2022
College Essays are typically between 200 and 650 words. How you use those words can be the determining factor for admission. We share how to make the most of your brief but important essay.
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What is Credit Card APR
By Penny Redlin
01/27/2022
Credit Card APR -is the annual percentage rate charged to use the credit card when you don’t pay off the balance at the end of the month.
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Do I Have to Pay Back Grants?
By Ainsley Rindfleisch
01/24/2022
In most cases you do not have to pay back grants. Grants are financial awards given by the government, state or educational institutions to help pay for college.
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Female student holding out a credit while standing in the university library.
Best Credit Cards for Students for March 2023
By Penny Redlin
01/18/2022
Many students have fair credit. We’ve found the best credit cards for college students looking to build their credit score and establish excellent credit.
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Student Loan Repayment
By Elaine Rubin
01/17/2022
Your student loan repayment options available to you will depend on the type of student loans you have, federal or private. There are quite a few options to choose from. While it’s great to have choices, it may feel overwhelming to understand which one is best for you.
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What is a Good Credit Score
By Elaine Rubin
01/12/2022
You know you need good credit, but what does that mean, and what kinds of things can affect your credit score? We break it down for you here.
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Soft Credit vs. Hard Credit: The Real Difference
By Penny Redlin
01/11/2022
You’ve heard that credit inquiries impact your credit score, but what's the difference between a soft and hard credit inquiry, and how can you shop around for a good rate without getting “dinged?” We explain how it works.
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Filing Out the FAFSA: Reducing Adjusted Gross Income
By Elaine Rubin
01/10/2022
The most important financial question you’ll be asked on the FAFSA: What is your income? Learn how income affects your eligibility for financial aid — and how to potentially lower the impact.
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Best Hotel Credit Cards
By Penny Redlin
01/06/2022
Hotel credit cards are an excellent way to maximize the benefits of your everyday and travel spending to redeem for hotel perks. Check out our picks for the best hotel credit cards and compare them to your needs.
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Best No Foreign Transaction Fee Credit Cards
By Penny Redlin
01/06/2022
Though credit cards are normally convenient when traveling abroad, this method of payment can quickly become expensive with foreign transaction fees. Browse the best no foreign transaction fee credit cards to find the one that's right for you.
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Best Travel Rewards Credit Cards
By Penny Redlin
01/06/2022
Many Americans fly several times a year, whether it be for work, pleasure, or simply to see family and friends. Finding the best travel rewards credit cards and collecting points is a great idea for avid travelers.
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Best Credit Cards for Airport Lounge Access
By Penny Redlin
01/06/2022
Find the best credit cards for airport lounge access. When you’re at the airport and you stroll past exclusive lounge areas, you’ll notice that many of them are reserved for customers with specific credit cards. Which one is right for you?
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FAFSA at Any Income Level
By Elaine Rubin
01/06/2022
Some wealthy parents ask whether it is worthwhile to apply for financial aid if they earn a high income. Every student should file the Free Application for Federal Student Aid (FAFSA) every year, even if he or she did not receive any other types of aid during the previous year.
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hand holding bundle of 4 mini piggy banks to convey concept of refinancing student loans into a consolidation loan
Student Loan Refinancing and Consolidation: What You Should Consider
By Elaine Rubin
01/05/2022
Why should you refinance or consolidate your student loans? You could lower your monthly payments, and you may even qualify for a reduced interest rate. Cosigners can also be released through a refinance. We work with top lenders to offer you the right solution.
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FAFSA School Codes
By Elaine Rubin
01/03/2022
Federal School Codes are six-character alphanumeric codes that uniquely identify colleges and universities, you can look up the school code by just completing an electronic version on the FAFSA.
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Best No Annual Fee Credit Cards
By Penny Redlin
12/09/2021
A no annual fee card is an excellent choice whether you are looking to build credit or gain travel benefits. It can be tough to know which is best for you. We've reviewed the cards for you to help make the decision easier.
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Best Airline Credit Cards
By Penny Redlin
12/09/2021
Airline credit cards are ideal if you are a frequent flier. Additionally, an airline credit card can help you access a low introductory APR rate, balance transfer opportunities, and some great travel perks.
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Filling Out the FAFSA: Minimize the Impact of Assets
By Elaine Rubin
12/07/2021
Understanding how assets are assessed when filling out the FAFSA and minimizing their impact.
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Best Balance Transfer Credit Cards
By Penny Redlin
12/03/2021
Balance transfer credit cards enable you to reduce the amount of interest you owe by simply switching to a new card. If you have accumulated a significant amount of debt on your current credit card, there may be a better deal out there for you.
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Income Share Agreements: A Comprehensive Guide to Income Share Agreements
By Elaine Rubin
12/02/2021
Income Share Agreements (ISAs) provide students with money to pay for college in exchange for a percentage of their income after graduation. Learn about using ISAs to pay for college.
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Should You Refinance Federal Student Loans?
By Penny Redlin
12/02/2021
The decision to refinance federal student loans requires thoughtful consideration of all the pros and cons. What you decide to do ultimately depends on what best suits your needs.
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Low Interest Student Loans
By Penny Redlin
12/02/2021
Student loans are often necessary to help pay for college. Finding low interest student loans will help save money on the total cost of your education.
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What is an Unsecured Credit Card?
By Penny Redlin
12/02/2021
Unsecured credit cards are simply credit cards that do not require a security deposit. People with good to excellent credit are most likely to have an unsecured credit card.
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How Many Credit Cards Should I Have?
By Tre Norman
12/02/2021
The number of credit cards you ought to have depends on your spending habits, confidence in managing multiple bills each month, and so much more. Read more to figure out if you might have too many credit cards or not enough.
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FAFSA® FAQ - Your FAFSA® Questions Answered
By Elaine Rubin
12/02/2021
FAFSA questions answered! Quick simple answers to the most common questions asked about the FAFSA.
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Best Secured Credit Cards for 2023
By Penny Redlin
11/19/2021
Secured credit cards are an excellent way to establish or rebuild credit. Here are some of the best secured credit cards to consider if this is the right option for you.
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Best 0% Introductory APR Credit Cards
By Penny Redlin
11/18/2021
A credit card with a 0% introductory APR can sometimes be the best option when making large purchases you plan to off quickly. We've assembled a list of some of the best introductory 0% APR credit cards to help you decide which one to choose.
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Best Cash Back Credit Cards
By Penny Redlin
11/18/2021
If you’re considering signing up for a cash back credit card, you’ve probably noticed that the available field of cash back cards is pretty crowded. We've narrowed the list by sharing our picks for best cash back credit cards.
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Best Credit Cards for 2023
By Penny Redlin
11/18/2021
Looking for the best credit card for your needs? Shopping for credit cards can be overwhelming. We've made it easy for you by collecting the best credit cards to help you decide which one to apply for.
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What is a Secured Credit Card?
By Penny Redlin
11/18/2021
Secured credit cards are a good option for people looking to build or rebuild their credit. Learn what they are and how they work.
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How to Avoid Student Loan Forgiveness Scams
By Elaine Rubin
11/10/2021
Student loan forgiveness can be achieved but beware of student loan forgiveness program scams. Learn what red flags to watch out for.
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Student Loan Forgiveness for Nurses
By Elaine Rubin
11/10/2021
Nursing school can be costly but thankfully there are several programs to help with the cost, including some that will forgive all or part of your loans.
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Student Loan Forgiveness for Teachers
By Elaine Rubin
11/10/2021
Teachers may be able to have all or some of their student loans forgiven if they apply and are approved in select programs.
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5 Reasons to Refi Your Student Loan
By Penny Redlin
11/08/2021
Student loan refinance can save money, lower your monthly payments, release a cosigner and more. Learn why you might want to consider refinancing your student loan.
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What Age Can You Get a Credit Card
By Tre Norman
10/25/2021
For most issuers, the earliest you can get a credit card on your own is at 18 years of age. However, if you are willing to become an authorized user, you could begin using a credit card and building credit history well before then.
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Free Money for College
By Penny Redlin
10/19/2021
Paying for college can be challenging. There are a number of resources to help by providing free money in the form of scholarships, grants or reimbursement.
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How to Refinance Student Loans
By Penny Redlin
10/18/2021
Private Student loans can be refinanced to offer lower interest rates, different repayment terms, and other revisions to help manage student loan debt.
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How to Refinance Parent PLUS Loans
By Elaine Rubin
10/13/2021
Can you refinance a parent PLUS Loan? Yes! You can refinance for a lower interest rate, to consolidate loans, or to transfer a parent PLUS Loan to the student.
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Federal Student Loan Consolidation
By Elaine Rubin
10/12/2021
Learn about Direct Loan Consolidation including which loans are eligible. Compare to private student loan consolidation as an alternative to find the best option for you.
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SoFi Credit Card Review
For individuals with other SoFi financial accounts, the SoFi Credit Card can be a great investment. Free of a foreign transaction fee and annual fee, the credit card also comes with rewards and perks worth exploring.
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SoFi Credit Card Review
For individuals with other SoFi financial accounts, the SoFi Credit Card can be a great investment. Free of a foreign transaction fee and annual fee, the credit card also comes with rewards and perks worth exploring.
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FAFSA Student and Parent Financial Information
By Elaine Rubin
10/01/2021
When filing the FAFSA you will need to provide certain financial information, including income and tax information. Dependent students will also need to provide financial information for one or both parents depending on household status.
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Filing the FAFSA 2023-24: A Simple Guide for Students
By Elaine Rubin
10/01/2021
Understand how and when to file the FAFSA, and get answers to the most common questions students and parents encounter when applying for federal financial aid.
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Petal® 2 Visa® Credit Card Review
The Petal® 2 "Cash Back, No Fees" Visa® Credit Card is a quality card for individuals with no or fair credit history, and it also features rewards and no fees whatsoever.
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Top 10 Credit Unions
By Penny Redlin
09/15/2021
The 10 Credit Unions in the U.S. These credit unions are among the largest in America with the highest asset’s and largest membership base.
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Refinancing Student Loans with a Credit Union
By Penny Redlin
09/15/2021
Restructure your student loans by refinancing them. Refinancing your student loan with a credit union can offer you savings with reduced interest rates and fees.
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What is a Credit Union
By Penny Redlin
09/15/2021
Credit unions are financial institutions, like banks, except its members own the credit union. They are nonprofit entities that aim to serve their members rather than seeking to earn a profit.
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Chalkboard that is comparing pros and cons of banks vs credit unions
Pros and Cons of Credit Unions
By Penny Redlin
09/15/2021
Credit Unions differ from banks. Understanding the pros and cons of joining a credit union are important when deciding which financial institution to patronize.
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How to Find the Best Credit Union Student Loan
By Penny Redlin
09/15/2021
The best credit unions for student loans. Learn which credit unions are best for borrowing money for college.
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Top 10 Credit Union Questions
By Penny Redlin
09/15/2021
Credit Unions are an alternative to traditional banks with unique benefits for their members. Learn what a credit union is and how it’s different from a bank.
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What is a Credit Union Student Loan
By Penny Redlin
08/13/2021
Credit Union Student Loans can be a smart move if you need more money after receiving other financial aid.
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Pros and Cons of Private Student Loans
By Elaine Rubin
08/05/2021
Learn the pros and cons of Private student loans, including borrowing up to your school’s certified cost of attendance, and potentially lower interest rates than federal student loans.
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Funding U Student Loan Lender Review
By Edvisors Network
07/20/2021
Funding U offers undergraduate no-cosigner student loans for students attending not-for-profit, accredited, eligible four-year colleges within select states of the United States.
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Edvisors' Video Resources
By Edvisors Network
06/29/2021
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Thrivent Student Loan Review
By Elaine Rubin
06/09/2021
Thrivent Credit Union offers in-school and refinance student loans. Learn more about their offerings including pros and cons of their loans and how Thrivent gives back.
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Bank of America Student Loan Review
By Elaine Rubin
06/09/2021
Bank of America no longer offers student loans. Learn what you can do with your existing Bank of America student loans, and find other lenders to help you pay for school or refinance your loans.
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Piggy bank wearing graduation cap with cash bursting out of it to convey concept of money for college
Grants for College
By Elaine Rubin
06/09/2021
Grants are gift-aid, money that does not need to be repaid. There are a variety of federal grants for college students, such as the Pell Grant, as well as state and institutional grants that come directly from your school.
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Credible Student Loans
By Edvisors Network
05/25/2021
Credible is an online marketplace offering access to multiple student loan lenders. Learn how Credible works and the pros and cons of their service.
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ELFI Student Loan Review
By Edvisors Network
05/25/2021
ELFI offers private student loans as well as student loan refinancing for both parents and students. Learn more about their products, customer service, and how ELFI gives back.
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Iowa Student Loan Review
By Edvisors Network
05/25/2021
Iowa Student Loan corporation offers a variety of student loan products. Learn more about their offerings, customer service, and how they give back to the community.
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PenFed Credit Union Student Loan Review
By Edvisors Network
05/25/2021
Learn more about refinancing student loans through PenFed Credit Union, including how to refinance, customer service, how PedFed gives back to the community and more.
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CommonBond Student Loan Review
By Edvisors Network
05/25/2021
Learn more about private student loan lender CommonBond, their loan products, customer service, and how they give back.
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How to Pay for Community College
By Tre Norman
05/05/2021
One of the benefits of community college is its affordability. Here are 8 different ways you can pay for community college, 6 of which do not require student loans.
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How Long is Federal Student Loan Grace Period and How It Works?
By Elaine Rubin
05/04/2021
Most student loans have a six-month grace period. During this time, you do not need to make payments on your loans, however interest will still accrue.
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Best Student Loan Refinance Companies for March 2023
By Elaine Rubin
04/29/2021
The best student loan refinance company for you is the one that offers terms that align with your goals. Current interest rates are as low as 4.47%. Compare student loan refinancing lenders.
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Parent PLUS Loan Forgiveness
By Elaine Rubin
04/20/2021
Public Service Loan Forgiveness is an option to Parent PLUS Loan borrowers who consolidate their student loans with a Direct Consolidation Loan. Learn how to qualify for this program.
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Best Nursing School Loans for March 2023
By Tre Norman
04/02/2021
There are federal and private student loans available for nursing school. Once you’ve exhausted federal student loans, private student loans may help you fill the funding gap. Learn more about your federal and private student loans options.
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How Does Interest on Student Loans Work?
By Elaine Rubin
04/02/2021
Interest on a student loan is the cost you pay for borrowing money. Federal and private student loans have different interest rates and formulas for calculating interest.
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What Is the Average Student Loan Interest Rate?
By Edvisors Network
04/01/2021
When shopping for student loans, it's helpful to know the average student loan interest rate of private and federal student loans.
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PNC Student Loan Review
By Hannah Horton
03/31/2021
Learn more about PNC student loan products, including in school and refinancing loans.
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How to Pay for College
By Mollie Allen
03/18/2021
Learn the variety of ways students and parents can pay for college both with and without student loans.
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Private Student Loan Cosigner: Everything you Need to Know
By Tre Norman
03/18/2021
Having a student loan cosigner is a great way to get approved for a private student loan and qualify for a lower interest rate. A cosigner can be any responsible adult who fits the criteria. Look for a lender that offers cosigner release as a way to relieve your cosigner of their responsibility once you’ve made a series of on-time payments.
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How to Pay Off Student Loans Fast
By Edvisors Network
03/17/2021
There are many ways you can pay off your student loans faster. Make more than the minimum payment, enroll in automatic payments, make bi-weekly payments and among other strategies.
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Bar Exam and Bar Prep Loans
By Edvisors Network
03/16/2021
Why should you apply for a bar loan? Bar exam and bar prep loans cover the costs of exam prep, the bar exam itself, and living expenses while you are preparing to take the bar.
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Private Student Loan Interest Rates
By Edvisors Network
03/04/2021
Find current private student loan interest rates and compare to federal student loan interest rates to find the loan that is right for you.
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Student Loans for Graduate School
By Elaine Rubin
02/23/2021
Graduate students can borrow federal and private student loans. Federal student loans include Direct Unsubsidized Loans and Grad PLUS Loans. Private student loans are also available and may offer more competitive rates.
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Financial Aid for Graduate School
By Edvisors Network
02/22/2021
First, start by filing the FAFSA to apply for federal student loans. There are thousands of scholarships and grants available for graduate students as well.
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Nelnet Bank Student Loan Review
By Edvisors Network
02/21/2021
Nelnet Bank offers a variety of student loan products including in school and refinancing options.
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Student Loans Without a Cosigner
By Penny Redlin
02/17/2021
Students who do not have a cosigner are still eligible for student loans. Options include federal student loans, as well as some private lenders if you qualify. Learn more.
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How to Pay for Pharmacy School
By Elaine Rubin
02/16/2021
Scholarships, grants and federal student loans are the best place to start when paying for pharmacy school. Private student loans are also an option and offer competitive interest rates.
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How to Pay for Law School
By Elaine Rubin
02/15/2021
There are options to help pay for law school such as scholarships, grants, federal and private student loans. We explain these options so you can determine how you will pay for law school.
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How to Pay for Medical School
By Elaine Rubin
02/08/2021
Medical students can find scholarships, fellowships, and assistantships to help pay for school. Savings may be an option, but loans are often needed. Start with federal student loans then look for competitive private loans.
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Student Loans for College 2023
By Elaine Rubin
02/03/2021
There are two main types of student loans for college. Federal student loans offered by the federal government, and private student loans. Get straight answers on how they work and which one may be best for you.
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How to Find Scholarships
By Edvisors Network
01/07/2021
There are many ways to find scholarship opportunities if you know where to look. Here are some tips on how to get started.
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Student Loans for Health Professions - HPSL
By Edvisors Network
01/07/2021
Health professions student loans are need-based, government loans that come with service requirements and loan limits. There are four kinds of health professions loans.
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SoFi Student Loan Review
By Edvisors Network
01/06/2021
SoFi offers a variety of student loan products with an all online application and no fees. Find out more about SoFi student loans and how SoFi gives back.
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Laurel Road Student Loan Review
By Elaine Rubin
12/09/2020
Laurel Road offers in-school and refinance student loans. Laurel Road offers multiple student loan products to choose from and an online application process.
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Earnest Student Loan Review
By Edvisors Network
12/02/2020
Earnest provides a wide variety of loans including undergraduate, graduate, medical and law school. Learn more about Earnest, their products, and their flexible repayment terms.
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Splash Financial Student Loan Refinance Review
By Edvisors Network
11/10/2020
With Splash Financial student loan refinancing, you can get prequalified and find your rate without affecting your credit score.
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Citizens Bank Student Loan Review
By Edvisors Network
11/10/2020
Citizens Bank offers in school private student loans as well as student loan refinancing. Learn more about their products and benefits.
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Student Loan APR: Calculating the Real Costs
By Elaine Rubin
11/04/2020
Federal student loan interest rates are as low as 4.99%, and private loans start around 4.49%. But what does it really cost to borrow? Origination fees and other factors make a big difference on federal and private student loans.
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FAFSA Dependency Status Questions
By Elaine Rubin
10/01/2020
When you file the FAFSA you will either file as a dependent or independent student. Here's how to figure out your dependency status when it comes to filing the FAFSA.
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Financial Aid Appeal: How to Get More Financial Aid
By Elaine Rubin
10/01/2020
If you did not receive enough financial aid, you can file an appeal. An appeal allows you to request an increase in financial aid. To file an appeal, you will first need to contact the financial aid office for your school.
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Female graduate standing next to her mom to convey concept of who is my parent for the fafsa application
Who is My Parent When I Fill Out the FAFSA?
By Elaine Rubin
10/01/2020
If the FAFSA determines you are a dependent undergraduate student, you will need to provide one or both of your parent(s)’ information on the FAFSA.
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What is Financial Aid, Types and How Students Can Apply
By Elaine Rubin
10/01/2020
Financial aid is money in the form of loans, scholarships, and grants that can help you pay for college. The most important action you can take when applying for financial aid is to file the FAFSA.
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Wells Fargo Student Loan Review
By Edvisors Network
08/28/2020
For the 2020-2021 academic school year, Well Fargo is only extending student loans to existing borrowers. Learn more about their student loan program.
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Ascent Student Loan Review
By Edvisors Network
08/04/2020
Learn more about private student loan lender, Ascent, including their product offerings and how they give back to the community.
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College Ave Student Loan Review
By Edvisors Network
07/17/2020
Learn more about College Ave and their undergraduate, graduate, and parent student loan options.
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Sallie Mae Student Loan Review
By Edvisors Network
07/16/2020
Sallie Mae is the leading bank in education finance. Learn more about their wide variety of student loan offerings and how to apply online in just minutes.
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Blue and Green piggy banks each atop it's own stack of coins to convey expression of comparing student loans
Compare Subsidized and Unsubsidized Student Loans
By Elaine Rubin
07/08/2020
The federal student loan program offers a variety of options. It can seem overwhelming, and tricky to navigate, but it doesn't have to be. Learn more about your options and compare the loans to find out which one is right for you.
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Street sign with Deadline Ahead written on it to bring attention to the upcoming FAFSA Deadline
FAFSA Deadlines for 2023-2024
By Elaine Rubin
06/17/2020
FAFSA deadlines can vary. The FAFSA for the 2023-2024 academic year opens on October 1st and remains open until June 30, 2024. However to improve your chances of getting more aid, file as soon as you can and certainly well before any applicable deadlines noted below. 
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Female student smiling while sitting at a desk in front of a chalkboard in her college classroom that says Student Loan
Best Private Student Loans in March 2023
By Elaine Rubin
06/16/2020
Compare the best private student loans. Learn about top private lenders who will offer you competitive rates and benefits and how you can easily apply online in minutes.
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Distressed female student with help sign as she worries about finding money for college
Emergency Student Loans
By Edvisors Network
06/09/2020
Colleges and lenders have programs in place to help you make ends meet when you need it most. Learn more about emergency help, including federal, state, institutional and private student loan options.
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Piggy bank wearing graduation cap with cash and coins in front to convey concept of paying for college
The Complete Guide to Federal Undergraduate Student Loans
By Elaine Rubin
05/29/2020
Get your federal undergraduate student loan questions answered with our complete guide!
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College Scholarships for Students with Autism
By Edvisors Network
03/18/2020
A list of scholarships for students on the autism spectrum.
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What are Federal Parent PLUS Loans and How to Apply?
By Elaine Rubin
02/19/2020
Learn how who is eligible to borrow a Parent PLUS Loan, what to consider, and how to apply.
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Compare Private Student Loans to PLUS Loans
By Edvisors Network
09/30/2019
Comparing student loan options for can be difficult. This chart will help you understand the differences between private student loans and PLUS Loans, including options for parents.
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Notebook with Subsidized student loans written inside
Direct Subsidized Loans
By Elaine Rubin
07/01/2019
Get the details on the Direct Subsidized Loan program, including eligibility, interest rates and how to apply.
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Federal Student Loan Interest Rates and Fees
By Elaine Rubin
07/01/2019
Interest rates on Direct Loans are fixed. Undergraduates receive lower interest rates than graduate students. Find current interest rates and fees for Direct Loans.
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Direct Unsubsidized Loans
By Elaine Rubin
07/01/2019
Direct Unsubsidized Loans are federal student loans available to undergraduate and graduate students. Learn more about eligibility, interest rates, and how to apply.
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Best International Student Loans
By Tre Norman
05/22/2019
International students have limited U.S. loan options when it comes to borrowing to pay for college. There are lenders that work with international students, particularly if they have an eligible cosigner.
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Best MBA Loans for Business School
By Edvisors Network
01/02/2019
Planning on earning an MBA? Get to know your federal and private student loan options for covering the cost of business school, including who is eligible, and how much you can borrow.
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Best Ways to Pay for College Without Financial Aid
By Edvisors Network
08/21/2018
Paying for college without financial aid is difficult, but it’s not impossible. Here are 5 ways to pay for college without student loans or financial aid.
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Benefits of Having a Job in College
By Edvisors Network
06/18/2018
Working while in college has a lot of benefits beyond making money. Having a job in college can help you do better in school and beyond. Here’s how!
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Private Student Loans and Credit
By Edvisors Network
06/19/2017
Credit is a big factor in getting approved for a private loan for college. Learn how banks judge your credit and how this affects your loan options.
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Student Loans for Students Attending a Texas College or University
By Edvisors Network
06/19/2017
Are you a Texas resident or an out-of-state student attending a school in Texas? Discover student loan options specifically for students in Texas.
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Student Loans Options for Borrowers With Bad Credit
By Edvisors Network
06/08/2017
Learn which student loans do not require a credit check, and what you need to know to qualify for credit-based student loans.
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Private Student Loans: Myth vs. Reality
By Edvisors Network
05/22/2017
Have you heard a lot about private student loans? We're busting 7 common myths with expert advice.
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How to Build Credit?
By Edvisors Network
05/16/2017
Everyone knows building credit is important, but knowing how to do it isn’t always straightforward. Here are some simple strategies on how to start building credit in college.
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Top Tips for Winning Scholarships for College
By Edvisors Network
Learn the most effective methods of increasing a student’s chances of winning a private scholarship.
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How to Write and Proofread Scholarship Essays
By Edvisors Network
A standout essay can make the difference in winning a scholarship. Find out how to choose the right essay topic, write your essay and proofread the text.
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Scholarship Scams
By Edvisors Network
Scholarship scams try to get students to pay money instead of giving them money. Never invest more than a postage stamp to get information about scholarships or to apply for scholarships. If you have to give money to get money, it’s probably a scam.
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History of College Scholarships
By Edvisors Network
Starting from 1643, this historical timeline tracks the important landmarks related to public and private scholarship programs.
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How to Get Full Tuition Academic Scholarships?
By Edvisors Network
Less-selective colleges use academic scholarships to recruit academically talented students. Check out this resource guide for academic scholarships.
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College Scholarships for Cancer Survivors
By Edvisors Network
A number of public and private organizations offer college scholarships to students who have been affected by cancer. Check out this resource list.
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First Generation College Student Scholarships
By Elaine Rubin
Check out this list of scholarships for students who are the first in their family to go to college.
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Video Scholarship Contests
By Edvisors Network
Check out this list of scholarships for creating videos.
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Scholarships and Fellowships for Graduate Students
By Edvisors Network
Most free scholarship matching services also include graduate fellowships in their award databases. The scholarship search tools will match students with fellowships instead of scholarships based on the student’s academic year in school.
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Scholarship Displacement
By Edvisors Network
When a student wins a private scholarship, the college financial aid office must reduce the student’s need-based financial aid package. However, many colleges will reduce the student’s debt and work burden first, thereby reducing the net price. Others reduce grants first, leaving the student with no net financial gain from winning the scholarship.
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Scholarships for Women
By Edvisors Network
Check out this list of the most generous and prestigious national scholarships for female college students.
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Las mejores becas para estudiantes hispanos y latinos
By Edvisors Network
Las mejores becas para estudiantes hispanos
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Low Competition Scholarships for College Students
By Edvisors Network
Less-competitive scholarships are easier to win because fewer students apply.
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Athletic Scholarships
By Edvisors Network
More than $1 billion in athletic scholarships are awarded each year to less than 1% of undergraduate students. Learn more about these specialized awards.
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Most Generous College Scholarships for 2023
By Edvisors Network
Some scholarships offer significant financial awards to students who meet highly specialized criteria. Learn more about these generous scholarships.
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Qualifying for Scholarships with the PSAT/NMSQT
By Edvisors Network
Find out how the Preliminary SAT (PSAT) can help students qualify for a variety of scholarship programs, including the prestigious National Merit Scholarship.
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Scholarships for American Students Studying Abroad
By Edvisors Network
Learn more about scholarships for U.S. students studying abroad.
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Scholarships for International Students Studying in the United States
By Edvisors Network
Learn more about scholarships for international students hoping to study in the United States.
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Apply for Free Scholarships for College
By Edvisors Network
Free scholarships for college students can make college dreams come true. Check out Edvisors list of free scholarships and tools for making your scholarship search easier!
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GI Bill
By Edvisors Network
The Montgomery GI Bill and the Post-9/11 GI Bill provide members of the U.S. Armed Forces with up to 36 months of education benefits to help pay for college.
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Yellow Ribbon Program
By Edvisors Network
Under the Yellow Ribbon program, participating colleges agree to provide part of the difference between a servicemember's Post-9/11 GI Bill benefits and the college's actual tuition and fees. The Veterans Administration (VA) matches the college's contribution.
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U.S. Armed Forces Tuition Assistance
By Edvisors Network
Tuition Assistance pays for tuition and required fees for active-duty enlisted servicemembers to takes classes at colleges and universities during their off-duty time. Tuition Assistance may sometimes be combined with other GI Bill benefits.
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ROTC Scholarships
By Edvisors Network
College students who are interested in becoming a commissioned officer of the U.S. Armed Forces can obtain scholarships through the Reserve Officers' Training Corps (ROTC) to help them pay for school. They take military science courses in addition to the courses required by their academic major, drill throughout the academic year and train full-time during the summer.
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Military Educational Assistance Programs
By Edvisors Network
Military educational assistance programs include REAP, VEAP and DEA. They provide up to 36 months of educational benefits to members of the Reserves and National Guard, up to 36 months of educational benefits to veterans and up to 45 months of educational benefits to dependents of veterans who died or were totally and permanently disabled while on active duty or because of a service-related condition.
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Military Service Academies
By Edvisors Network
Military service academies, such as the U.S. Naval Academy in Annapolis, Maryland, and the U.S. Military Academy in West Point, New York, provide a high-quality college education leading to a Bachelor's degree. Admission requires a letter of recommendation from a member of Congress. Graduates are commissioned as officers in the associated branch of the U.S. Armed Forces.
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Colleges for Military Families
By Edvisors Network
Military families are often forced to relocate frequently. This can interfere with their obtaining a college education. The Servicemembers Opportunity Colleges and the Community College of the Air Force help members of the military and their families obtain college degrees despite their frequent relocations.
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Other Sources of Student Aid for Veterans and Their Dependents
By Edvisors Network
College scholarships are available from several private organizations to help veterans and their dependents pay for a college education.
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HEROES Act of 2003
By Edvisors Network
The Higher Education Relief Opportunities for Students Act of 2003 provides financial and administrative relief for active-duty members of the U.S. Armed Forces as well as people who are affected by a disaster area, war, military operation or national emergency. The relief includes waivers of several requirements relating to federal student financial aid.
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What is Federal Work Study Program?
College students who file the FAFSA may be awarded Federal Work-Study as part of a financial aid package. Find out how to qualify, the types of jobs typically available and how students are paid.
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Employer Tuition Assistance Programs: How Do They Work?
By Edvisors Network
One way to offset the costs associated with college is to find employers with tuition assistance or tuition reimbursement programs. Here’s a few things to consider.
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State Scholarship and Grant Programs
By Edvisors Network
Many states offer scholarships and grants to help students pay for college. This state-by-state list provides links to state-administered programs.
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Graduate Fellowships
By Edvisors Network
Fellowships are like scholarships, but are used to pay for graduate school instead of undergraduate school. Many fellowships are available for graduate students in science, mathematics, engineering, and the arts and humanities. There are also several prestigious fellowships for international study.
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Comparison: Off-Campus vs On-Campus Jobs
By Edvisors Network
There are many advantages and disadvantages to working on-campus and off-campus. On-campus jobs are conveniently located and provide tuition assistance and academic benefits, but may offer lower wages than off-campus jobs. Rules concerning off-campus jobs may be less restrictive. But off-campus jobs may be less accommodating concerning the student’s academic schedule and may involve more time commuting to and from school.
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Segal AmeriCorps Education Award
By Elaine Rubin
Students can earn an education award worth as much as the maximum Federal Pell Grant for a year of full-time volunteer service with the AmeriCorps program. The education award may be used to pay for school or to repay federal student loans.
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Student LIFE Podcast - Season 1
By Edvisors Network
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Episode 12 - How to Use Financial Aid
In this episode Elaine & Tré discuss what to know when it comes to receiving your financial aid, the do's & don'ts on managing your financial aid, and more!
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Episode 5 - How to Manage Inflation as a College Student
In this episode, Elaine & Tré touch upon the recent rise in prices and their impact on students. They share ideas on how to save money & manage your budget during these challenging times. 
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Female Student with hands covering her eyes to convey concept of need blind college admissions
Need-Blind Admissions
By Edvisors Network
Nearly 100 colleges claim to have a need-blind admissions policy, which maintains that a family's finances are not considered in the decision to admit or deny a student. If not, the college is considered need-sensitive or need-aware. Find out which colleges have need-blind policies.
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Male student studying at a desk in his college library
Measuring Academic Fit: Reach, Match and Safety Schools
By Edvisors Network
When applying to colleges, it's important to consider academic fit. Find out how to choose the right mix of reach, match and safety schools.
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The Impact of College Savings on Financial Aid
By Edvisors Network
Money saved in the parent's name or a parent- or student-owned 529 college savings plan will have a minimal impact on the student's eligibility for need-based financial aid.
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Paying College Tuition with a Credit Card
By Edvisors Network
Paying tuition with a credit card might be tempting, but swiping can come with a catch. Look out for these drawbacks before pulling out that card!
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Pros and Cons: Borrowing From My 401K to Pay for College
By Edvisors Network
Find out why students and parents should or should not borrow from a 401k retirement plan to finance a college education.
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Jar labeled College Fund filled with coins to convey concept of paying for college
Tuition Payment Plans
By Edvisors Network
A tuition payment plan or installment plan splits your bill into equal payments, usually for a small fee. Find out if a tuition payment plan is right for you.
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Colorful doors in a circle with choose the best school written inside to convey concept of choosing a college
How to Choose a College: Making a College List and Comparing Schools
By Elaine Rubin
There are several tools that students and parents can use to compare outcomes at individual colleges, including graduation rates, income after graduation, average student loan debt and unemployment rates.
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What are Institutional Loans for Students?
By Edvisors Network
Many colleges and universities offer their own loans to help students and families pay for college. Institutional loan funds typically come from the college’s resources, alumni, corporations, foundations, donors and repayments from prior college loan borrowers.
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Federal vs Private Student Loans: A Comparison
By Edvisors Network
Compare your student loan options easily with our comparison tables. Understand the benefits of Direct subsidized and unsubsidized loans, PLUS loans, and private student loans.
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Responsible Student Loan Borrowing
By Edvisors Network
Are you worried about graduating with a mountain of debt? We've got some great strategies to help you borrow responsibly while making your college dreams a reality.
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Private Parent Loans

Several lenders offer private loans specifically for the parents of college students. Learn more about the costs and benefits of Private Parent Loans.

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Parent PLUS Loans vs. Private Student Loans
By Elaine Rubin
Review the pros and cons of Parent PLUS Loans to private student loans. Comparison chart included.
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Private Parent Student Loans
By Tre Norman
Several lenders offer private loans specifically for the parents of college students. Learn more about the costs and benefits of Private Parent Loans.
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Student Loan Borrowing Limits in 2023?
By Elaine Rubin
Most student loans have limits that affect how much you can borrow. Learn about the limits for Direct, Perkins, PLUS, consolidation, and private loans.
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Avoiding FAFSA Errors in Filing Head of Household Status
By Elaine Rubin
Learn about IRS requirements for filing as Head of Household and how to avoid common errors that can affect a student’s college financial aid.
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Parent PLUS Loans vs. Private Student Loans
By Elaine Rubin
Review the pros and cons of Parent PLUS Loans to private student loans. Comparison chart included.
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Medical Residency and Relocation Loans
By Edvisors Network
Medical and residency loans help post-graduate medical students pay for board exam fees and costs associated with residency and relocation. Find competitive loans from top lenders.
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Dental Residency and Relocation Loans
By Edvisors Network
Residency and relocation loans help dental school students and graduates pay for the cost of preparing for dental boards and relocating for a residency.
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How to Save Money on Student Loan Payments
By Edvisors Network
Borrowers can reduce the amount of money spent on student loan payments by following several strategies before taking out loans and during repayment.
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Consequences of Defaulting on Federal Student Loans
By Edvisors Network
The U.S. Department of Education has significant power to force borrowers to repay defaulted federal education loans. Borrowers should learn about the potential consequences of default before taking out the loans.
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Federal Student Loan Defaults Can Block Renewal of Professional and Driver's Licenses
By Edvisors Network
The federal government can block the renewal of professional licenses for borrowers who default on federal student loans. Find out which licenses are affected.
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Collection Charges
By Edvisors Network
In addition to paying late fees, the principal balance and accrued but unpaid interest, borrowers with defaulted federal education loans must pay reasonable collection costs, which include attorney's fees, collection agency charges and court costs.
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Grow Your Brand with Edvisors
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Scholarship Matching Services
By Edvisors Network
There are several high-quality free scholarship matching services. Students should sign up for at least two of the free scholarship databases to make sure they’ve found all eligible scholarships.
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Financial Aid for Undocumented Students
By Edvisors Network
Check out these scholarship resources for undocumented college students and learn more about eligibility for federal, state and college financial aid programs.
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Scholarships for African-American Students
By Edvisors Network
Check out this list of some of the most prestigious and generous scholarships for African-American college students.
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Scholarships for Journalism Students
By Edvisors Network
Check out this list of popular and generous college scholarships for students majoring in journalism or communications.
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Scholarships for Minority Students
By Edvisors Network
Check out this list of some of the most prestigious and generous scholarships available to minority college students.
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Easy College Scholarships for Apply For
By Edvisors Network
There are easy scholarships for college that require no essay, no interview, and aren’t dependent on GPA. Check out these college scholarships that are easy to apply for!
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International Scholarships
By Edvisors Network
Learn more about scholarships for international students hoping to study in the United States and scholarships for American students studying abroad.
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Can You File Bankruptcy on Student Loans?
By Ainsley Rindfleisch
While not impossible it is extremely difficult to discharge student loans in bankruptcy. If you are considering bankruptcy, read on to understand your options.
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Best Apps for Identity Protection
By Ainsley Rindfleisch
03/13/2023
Technology can assist in catching and notifying you of potentially fraudulent activity, but it is up to you to be mindful in protecting your most valuable asset: your identity.
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Business Careers
By Ainsley Rindfleisch
02/28/2023
The vast and exciting field of business includes many opportunities for growth and success. From finance and accounting to marketing and human resources, there are many different branches that might be right for you.
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What is a Professional Certificate
By Penny Redlin
02/15/2023
Professional Certificate Programs are an increasingly popular way to advance in a career if your continuing education goals do not include a bachelors degree. Professional certificates provide you with specialized knowledge and skills that can help you stand out from the competition.
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Public Service: A Fulfilling Career
By Penny Redlin
02/15/2023
Public service careers are important jobs that help people in the community. They can be in areas like law enforcement, firefighting, and healthcare. If you want to make a difference in people's lives and help keep your community safe, a public service career might be right for you.
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Programming Professional Certificate: A Guide for Future Programmers
By Tre Norman
02/14/2023
A programming professional certificate is a recognition of your programming skills and knowledge. It is proof that you have taken the time to learn and master a specific programming language or technology.
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Alternative Education: Online Certificate Programs
By Penny Redlin
02/14/2023
Online certificate programs are an increasingly popular way for professional and career-minded individuals to gain the knowledge, skills and credentials they need to succeed in their chosen field.
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Choosing a Career in the Medical Field
By Hannah Horton
02/14/2023
Working in the medical field means that you have a job that helps people with their health and medical needs. It can involve diagnosing illnesses and injuries, providing treatments and care, helping people recover from illness or injury, or working to prevent health problems from occurring.
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Becoming a Medical Assistant with a Certificate
By Penny Redlin
02/14/2023
A medical assistant certificate shows you've completed a training program and learned the skills needed to work as in the medical field. Medical assistants help doctors and other healthcare professionals with a variety of tasks, from taking patients' vital signs to scheduling appointments.
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Seeking a Marketing Career with a Professional Certificate
By Penny Redlin
02/14/2023

A professional marketing certificate is something special that shows you know a lot about marketing. To get the certificate, you might have to take classes and pass a test about different parts of marketing.

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IT Certificate Programs for Tech Careers
By Penny Redlin
02/13/2023
Information technology (I.T.) certificate schools offer an excellent career path for those interested in information technology and computer programming. These schools provide comprehensive training programs that prepare students to take various certificate exams, such as the CompTIA A+, Network+ or Security+. 
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Human Resources as a Career
By Penny Redlin
02/13/2023
Human resources certificates are programs that offer specialized training in human resources topics such as recruitment, employee relations, compensation and benefits, labor law compliance, and human resource management. These programs provide essential skills to help you advance your career, while also helping employers meet their company goals.
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Trade School Careers
By Penny Redlin
01/27/2023
A trade school is a type of school that teaches students skilled trades using hands-on techniques and is only focused on the student learning only about one particular field of study. There are trade schools for many fields, ranging from construction to the culinary arts to internet security to the medical field.
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Welding Trade School
By Ainsley Rindfleisch
01/26/2023
Welding skills are the kind of skills that you can build a career on. There are projected to be almost 500,000 job openings in the field of welding by 2026 so welding is a potential career that is rife with opportunities for employment.
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Teacher Certificate Programs
By Elaine Rubin
01/26/2023
Educating is an esteemed calling. Gaining a teacher certificate can lead to a satisfying career. Teacher certificate programs provide K-12 educators with the qualifications needed to teach in an elementary, middle or high school classroom setting. 
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Online Trade School
By Penny Redlin
01/26/2023
Online trade schools are great for employed students and those who have family obligations. Many programs also allow students to learn at their own pace. If you have been considering enrolling in an online trade school, read on for more information.
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HVAC Trade School
By Tre Norman
01/26/2023
In an HVAC technical program, you work towards your Certificate in Heating, Ventilation, Air Conditioning and Refrigeration. The program is designed to give students the technical skills and knowledge to work in the heating and cooling industry.
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How Much Does Trade School Cost
By Hannah Horton
01/26/2023
Trade schools are often seen as a more cost-effective alternative to attending a four-year college. While the average cost for the latter is about $30,000-$40,000 over the four years, the cost of the former generally ranges from $5,000 to $15,000.
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How Long is Trade School
By Ainsley Rindfleisch
01/26/2023
Trade school programs vary by length of study. Most trade school diploma programs take between three months and one year. Though associate degree programs will usually take a bit longer - between 18 and 24 months to complete - there are also programs that are incredibly short.
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Electrician Trade School
By Penny Redlin
01/26/2023
Electrical trade school is the first step toward a career as an electrician. This is doubly true in states that do not require an apprenticeship for licensing. Even in the states that do have this requirement, though, attending a trade school can be more than just valuable education; in some states, the time spent in school counts toward apprenticeship hours.
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What is Trade School
By Elaine Rubin
01/26/2023
A trade school is a school that provides students the opportunity to learn a particular trade very quickly by offering highly-focused training programs specifically designed to prepare students for a job in the skilled trades.
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Blue screen with icons and the word STEM
Finding a Career in STEM
By Ainsley Rindfleisch
01/23/2023
Recent interest in STEM education and careers has led many to the cutting edge of technology. STEM is an acronym that covers the subjects of Science, Technology, Engineering, and Mathematics. 
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List of Top Professions
By Elaine Rubin
01/13/2023
The list of professions and career possibilities is nearly endless. Here's a compilation extensive enough to give you an idea of prospective top professions using these different definitions.
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What is a Profession
By Tre Norman
01/13/2023
Maybe you've heard people use the terms "vocation" and "profession" interchangeably, but there are differences between the two. In this short guide, you'll learn what sets professions apart from other vocations and jobs.
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What to Expect in an Offer Letter
By Tre Norman
01/13/2023

Looking for a job can be grueling. Eventually, though, the magical moment will arrive, and you will receive the document you’ve been waiting for — the job offer letter. It’s important to review the letter and ensure that it includes important employment information that is acceptable to you.

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References for Job Seekers
By Hannah Horton
01/13/2023

There are many parts of the hiring process that may be confusing for new job seekers. Check out this guide if you’re searching for your first job or simply want to understand the professional reference process better. This knowledge will help you obtain exemplary employment references and edge ahead of other candidates.

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Interviews That Impress
By Penny Redlin
01/13/2023
Few people are job interview naturals. It’s a great idea to practice your interview a few days before your session. Have a friend or relative play the part of the interviewer so you do not go in completely cold.
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Resumes That Get Noticed
By Hannah Horton
01/13/2023
Resumes that stand out to employers for the right reasons share a few common traits whether they are by someone just out of high school or someone with years of work experience. Effective resumes back up the information in cover letters, use bullet points and include keywords that an applicant tracking system looks for.
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Best Job Search Sites March 2023
By Ainsley Rindfleisch
01/13/2023

If you’re on the hunt for your first job, search engines make this task easier and give you the ability to quickly sift through countless jobs in your area. Best of all, these sites are free to use for job seekers. Learn more about the best job search sites for finding job listings and see how you can improve your chances of landing a job.

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Most Prestigious Scholarships
By Edvisors Network
01/09/2023
The winners of the most respected scholarships are students with extraordinary achievements and capabilities. Learn more about these prestigious awards.
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How to Write an Interview Thank You Letter
By Penny Redlin
12/28/2022
When a person interviews you, they are sacrificing their time and energy to give you a shot at a great opportunity, so of course you would want to send a thank you note. If you’re not sure where to start, consider this guide and take a look at the following email template to find some inspiration.
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How to Write a Cover Letter
By Ainsley Rindfleisch
12/27/2022
Most job openings require applicants to submit cover letters and resumes. Cover letters enable you to describe your qualifications personally and in more depth. They should be about four paragraphs long and no more than one page in total.
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High Paying Careers
By Penny Redlin
12/27/2022
When deciding what career path to pursue, you might wonder what kinds of jobs pay the most. While you can be successful in any career, here is a list of in-demand and high paying jobs.
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Choosing a Career
By Ainsley Rindfleisch
12/27/2022
Choosing a career seems daunting. Rather than letting the stress of the decision get the best of you, take some time to consider what you really enjoy and how it aligns with the kind of life you want to live.
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Man and women shaking hands at a desk in agreement
How To Negotiate Salary
By Penny Redlin
12/27/2022

One of the biggest mistakes you can make when you’re searching for a job is limiting your options based on your minimum starting salary. Consider this guide for guidance to start honing your negotiation skills. These essential salary negotiation tips will help you advocate for yourself.

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Types of Credit
By Ainsley Rindfleisch
11/22/2022
Having credit means that a lender has approved you and given you permission to borrow money from them that you're required to pay back, with interest, in the future.
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What is Credit Card Fraud
By Penny Redlin
11/22/2022
Credit card theft involves the stealing and manipulating of credit card numbers with the intent of engaging in fraudulent activities. Credit card fraud occurs when someone uses a stolen credit card or the information from that card to make unauthorized purchases or other transactions.
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Risk Management - sand on beach with are you covered written in the sand
What is Risk Management
By Ainsley Rindfleisch
11/22/2022
Risk management is an essential component of money management. It involves identifying and analyzing potential losses and then taking steps to minimize their impact.
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debt management - piggy bank with calculator and scissors with blocks spelling out cut costs
What is a Debt Management Plan
By Penny Redlin
11/22/2022
A debt repayment plan is a type of repayment plan that helps individuals regain control of their finances. By pairing with a credit counselor, you can gain a comprehensive view of your financial situation and better understand the options at your disposal. If you and your counselor feel a debt management plan may be a solution, they can work on your behalf to develop a new payment plan that better fits your budget and lifestyle.
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How to Get Credit
By Penny Redlin
11/22/2022
Credit is pretty much a mandatory element in today's world. There's not much that you can accomplish without it. Everything from buying vehicles to a residence to business entities revolves around the concept of credit. It's not just creditors who look at your credit, though. Landlords, employers, insurance companies and even cell phone providers examine credit histories before they decide with whom to do business.
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Making Sense of Debt Relief
By Penny Redlin
11/22/2022
Borrowing money for education fees, medical bills, or other needs may help to pay for short-term expenses, but that money will need to be repaid. You can take control of your debt and work to become debt free.
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Best Credit Building Apps
By Penny Redlin
11/22/2022
Whether you want to buy a house, rent an apartment, apply for a credit card, or take out a personal loan, you will need good credit.  When you fall into the good credit range, lenders will be more likely to approve you for loans and charge you lower interest rates. Fortunately, if you don’t have good credit, there are ways for you to build your credit over time.
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How Does a HSA Work
By Penny Redlin
11/22/2022
An HSA is a special type of savings account that allows you to put aside funds on a pre-tax basis so to cover certain medical expenses that qualify. You can only have an HSA if you also have an HDHP. Funds from your HSA can be used for copayments and deductibles, as well as some other qualified expenses.
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Your Guide to Using Payment Apps
By Penny Redlin
11/22/2022
Mobile pay is the hottest trend in digital payment methods in today's connected world. Using your mobile phone to make payments has become extremely popular among consumers. A mobile payment app allows you to lead a largely cashless lifestyle. The app connects your payment card to your bank account to make payments online and physically uses the device you usually carry with you - your cellular phone. 
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What is a Credit Limit
By Ainsley Rindfleisch
11/22/2022
A credit limit is the maximum amount you can charge on your credit card. Once you reach your limit, you can't make any more purchases until you pay down your balance. 
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Episode 1 - COVID, College, and You
Welcome to Episode 1 of our podcast, Student LIFE Edvisors! Our hosts Elaine Rubin and Tré Norman introduce themselves as well as discuss the latest when it comes to COVID and school. 
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Episode 2 - Paying for College part 1
In this first of two episodes, Elaine & Tré break down tips & tricks for paying for college as they share their own learning experiences. Part 2, coming soon, will have Elaine and Tré talking about life on campus and the importance of budgeting so you don't run out of money when you need it the most. 
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Episode 3 - Paying for College part 2
In this second episode of Paying for College, Elaine and Tré break down the importance of budgeting & more when it comes to life as a college student. Also they help you get up to speed on new changes you will be seeing in the 2022-2023 FAFSA application. 
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Episode 4 - Alternative Ways to Pay for College

In this episode we interview special guest, founder and CEO of Stride Funding, Tess Michaels! She stops by to talk with Elaine & Tré about alternative ways to pay for college. Learn all about ISAs and Tess's journey helping students pay for school and more!

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Episode 6 - Expert Tips for Winning Scholarships with Ryan Kelly
Scholarship expert Ryan Kelly talk with us about scholarships. Having won of $150K in scholarships herself, she has some great tips to share.
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Episode 7 - Courageous Conversation
In this episode, Elaine & Tré break down what courageous conversations are how to utilize these conversations in college and your day-to-day life. 
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What is a Loan
By Ainsley Rindfleisch
11/15/2022
A loan is an amount of money that you borrow from a bank, credit union, online lender, other financial institution, or even person with the understanding the money will be paid back later.
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How to Save Money as a College Student
By Ainsley Rindfleisch
11/14/2022
This may be your first time managing your own money; you may not be aware of the different strategies and tools available to help you make your money go further and even save some along the way!
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Investments - smart phone with investment app displayed showing graph of stock performance
Best Investment Apps
By Ainsley Rindfleisch
11/14/2022
Knowing the basics about investments can help you make smart money choices. Investment apps often offer educational resources to help you understand how to grow your money. 
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What is Wealth Management
By Ainsley Rindfleisch
11/14/2022
Wealth management is a service that offers financial advice and combines other financial services to address the needs of clients.
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What is a Trust Fund
By Ainsley Rindfleisch
11/14/2022
A trust fund is a tool that establishes a legal entity to hold property or assets for a person or organization.
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What is a High Yield Savings Account
By Elaine Rubin
11/14/2022
A high-yield savings account is a savings account that offers a higher interest rate than a standard savings account. 
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Episode 11 - Managing Mental Health in College
In this episode Elaine & Tre discuss managing your mental health while in college and offer tips on how to work through the rough times. 
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Episode 10 - Managing Expectations for Financial Aid
In this episode learn what you should know about applying for an receiving financial aid & how to manage your expectations for it. 
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Episode 8 - Tips for a Successful College Experience
In this episode Elaine & Tre break down how to be successful in college, From utilizing all resources you have available to why you should make sure to pass each class you take & more.
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Episode 9 - Biden Student Loan Forgiveness
In this episode Elaine & Tre discuss everything we know so far in regards to the recent announcement of Biden's Student Loan Forgiveness.
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Best Online Savings Accounts for Students March 2023
By Ainsley Rindfleisch
11/11/2022
Just because you are a student doesn’t mean you shouldn’t have a savings account. When it comes to building up your savings, you have time on your side.
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10 Budgeting Tips for College Students
By Ainsley Rindfleisch
11/09/2022
Learn how to manage yourself financially while working towards reaching your financial goals with these 10 useful tips to help you make the most of a student budget. 
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Risk Management - computer screen with 1's and 0's computer code with identity theft spelled out and a shadow of a hand
How to Prevent Identity Theft
By Ainsley Rindfleisch
11/08/2022
Identity theft is when someone uses personal identifiable information (PII) such as your name, Social Security Number or other ID number, banking information or credit card without your permission.
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Understanding the Stock Market
By Ainsley Rindfleisch
11/08/2022
It is possible to navigate the stock market once you understand the basics of what a stock is, how to buy and sell stocks, and why you would want to invest in stocks.
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Two street signs on atop the other, bad credit and good credit - pointing in different directions
What is Credit
By Ainsley Rindfleisch
11/07/2022
Credit is a written agreement where one party (the borrower) borrows money from another party (the lender) with the understanding that the borrowed money will be paid back at a later date, typically with interest.
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Budgeting for a Major Purchase
By Ainsley Rindfleisch
11/07/2022
Big ticket items can take months or years to save up for, so let’s look at what you need to take into consideration what planning for a major purchase.
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Sign with 3 arrows in different directions, spending, budget and saving
Financial Goals
By Ainsley Rindfleisch
11/07/2022
Financial goals are a plan for managing your money. These goals help you to save and manage how you spend, as well as keep you focused on where your money goes.
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The Difference Between Checking and Savings Account
By Ainsley Rindfleisch
11/07/2022
A savings account is primarily used for saving you money while a checking account is intended for daily access to your money.
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Investments - Newspaper on investment section with sign sitting atop with options: stocks, real estate, eft's, mutual funds
Investing for Beginners
By Ainsley Rindfleisch
11/07/2022
While there are many ways to invest, the goal of investing is always the same--a desire to grow your money. 
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What is Interest and How Does it Impact Me?
By Ainsley Rindfleisch
11/07/2022
When you go to a bank or credit union to borrow money, it’s going to cost you as well. Read on to understand how interest works and how to make it work for you!
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How to Budget: Budgeting Tips for College Students
By Ainsley Rindfleisch
11/04/2022
Budgeting allows you to see and track your outgoing expenses from incoming expenses. A budget helps you to manage and master the money you have by allocating it to specific categories.
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Smart phone with budgeting app being accessed
Best Budgeting Apps
By Penny Redlin
10/26/2022
Budgeting is one of the most essential skills an adult can have, yet it’s still a challenge for most young people. Luckily, there are an array of mobile applications on the market that claim to simplify budgeting for users. Consider these top five selections to get your spending habits under control.
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What is Insurance
By Penny Redlin
10/26/2022
Insurance covers part of your financial liability for several incidents, from medical costs to a car accident, to damage to your apartment. No one ever knows what surprises life will bring next. Some are good, but some are not. It’s never too early to review your insurance options to provide peace of mind.
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What is Online Banking
By Penny Redlin
10/26/2022
As long as you have a bank account and a computer or another device that connects to the internet, you can access online banking. There are a few basic steps to establishing your virtual presence. You'll need to know your account numbers for your credit cards, utilities etc., which can typically be found on their respective statements.
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Laptop displaying a credit score of 751 which is good credit
How to Check Your Credit Score
By Penny Redlin
10/26/2022
Checking your credit score is a relatively easy thing to do.  Without having to go too far, you can check your credit card or loan statement.  Many credit card companies and lenders have begun to add your credit score to your statement for your reference. 
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How to Invest in Cryptocurrency
By Penny Redlin
10/26/2022
There are several ways that you can invest in cryptocurrency. The most common method is to buy it directly. This allows you to purchase and store one or more types of cryptocurrencies. The two most popular types of cryptocurrency include Bitcoin and Ethereum, although there are typically many new types to invest in, and are referred to as initial coin offerings.
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Types of Savings Accounts
By Penny Redlin
10/26/2022

If you decide you need a savings account. Here are some of the different types you can choose from: traditional savings accounts, high yield savings accounts, certificate of deposit, money market account and cash management accounts.  

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debt management - piggy bank under water to symbolize being in debt
How to Pay Off Debt
By Penny Redlin
10/26/2022
If you are currently facing debt, like many Americans, you are probably wondering if you’ll ever be able to pay it all off. Unfortunately, many people simply don’t know where to start when it comes to paying off debt. In reality, paying off debt may be easier than you think if you just take small steps. 
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Types of Cryptocurrency
By Penny Redlin
10/26/2022
There are literally thousands of different cryptocurrencies in use all over the globe. While that number sounds staggering, there are around 20 that are the major players in the crypto game. Currently, the five most popular cryptocurrencies include Bitcoin, Ethereum, Tether, USD Coin and Binance Coin.
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What is Overdraft Protection
By Penny Redlin
10/05/2022
When you spend more money than what you have in your bank account, an overdraft can occur. When this happens, your financial institution may charge you an insufficient funds fee. What this means is that your bank chooses to cover the transaction, but at a price. Unfortunately, that price is usually high.
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Printed monthly budget on table with calculator and notepad all ready for review
Budgeting for Beginners
By Penny Redlin
10/05/2022
Budgeting is an important aspect of money management and is a critical tool for obtaining financial security. A good budget helps you achieve solid financial footing for the present and the future.
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What is a Checking Account
By Penny Redlin
10/05/2022
A checking account is what is known as a deposit account. A deposit account is simply an account at a bank or credit union that allows both deposits and withdrawals. Checking and savings accounts and certificates of deposit (CDs) are all examples of deposit accounts.
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What is a Deductible
By Penny Redlin
10/05/2022
Your plan’s deductible is the amount you pay for covered medical expenses before your health insurance will start paying for them. You need to reach the full amount of a deductible in order for a carrier to begin processing and paying claims. 
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Types of Loans
By Penny Redlin
10/05/2022
A loan is money borrowed that is expected to be paid back, typically with interest. Not all loans are created equal. In fact, there are over a dozen types of consumer loans you may use to finance your next big purchase, cover an unexpected expense or fund your future goals.
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What is Cryptocurrency
By Penny Redlin
10/05/2022

Cryptocurrency has been a constant topic of discussion since its rapid ascent to popularity in the 2010s. Many dismissed digital currencies as a fad that would soon fade, but their staying power proved the opposite to be true. If you’re interested in a virtual currency that allows you to break free from financial institutions and harness computer power to generate funds, this is for you.

 

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Savings - Jar of money with label that says emergency fund
What is an Emergency Fund
By Penny Redlin
10/05/2022
An emergency fund is a source of funding on which you can rely when life throws you lemons. It is a cash reserve that you allocate strictly for when unexpected, costly and urgent issues arise. Such issues do not include dire wants, such as a new television or a pair of shoes but rather, true emergencies.
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FAFSA 2023-2024 Guide & Resources
By Elaine Rubin
10/03/2022
Need help filing the FAFSA® (Free Application for Federal Student Aid)? Use this guide to walk your through the process.  
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Are You Ready for the FAFSA?
In this video, learn about what you should know when it comes to this FAFSA season!
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Stride Funding Income Share Agreements Review
By Ainsley Rindfleisch
08/29/2022
Stride offers Income Share Agreements (ISAs) to students as a different option to help pay for school when federal funds aren’t enough.
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What is Student Loan Default and How to Recover
By Elaine Rubin
08/25/2022
Student loan default can stay on your credit report for up to 7 years. Even if you are falling behind on your payments you can prevent student loan default. If you are in student loan default, there are ways to recover.
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Can I Consolidate Student Loans with Bad Credit?
By Elaine Rubin
08/25/2022
You may consolidate federal student loans even if you have bad credit, however consolidating private student loans with bad credit will be more difficult and will require a creditworthy cosigner.
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How do I Locate my Student Loans?
By Elaine Rubin
08/25/2022
Here are four common methods for locating your student loans. You will need to know who your loan servicers are in order to refinance your student loans.
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Private Student Loan Forgiveness
By Edvisors Network
08/25/2022
Private student loan forgiveness does not exist; at least not in the same way that federal student loan forgiveness exists. This article will examine some of the things you may be able to explore with your lender, or potentially with your attorney if you’re pursuing bankruptcy.
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HELOC to Pay Off Student Loans
By Edvisors Network
08/25/2022
Should you use a HELOC to pay your student loans? While it may seem tempting, it also puts your home on the line. Could student loan refinancing be a better solution? Understand what you will be sacrificing if you use a HELOC to pay your student loans and explore other options.
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Understanding Student Loan Deferment and Forbearance
By Edvisors Network
08/25/2022
Student loan deferment is a temporary suspension of student loan payments, whereas forbearance is a plan that temporarily reduces or suspends student loan payments, but the borrower is still responsible for paying the interest on the loan while in forbearance.
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Should I Refinance Student Loans with a Cosigner
By Edvisors Network
08/25/2022
Having a cosigner when you refinance your student loans may help you qualify for a more competitive interest rate. Understand what it means to ask someone to cosign. Look for options like cosigner release.
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How to Transfer a Parent PLUS Loan to a Student
By Edvisors Network
08/24/2022
You took out loans to help your child pay for college, but now that they are independent, you’d like them to assume responsibility for paying the money back. We explain your options.
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What is a Good APR for a Credit Card?
By Hannah Horton
08/24/2022
APR is important to be aware of because it’s the amount you’re charged for borrowing money with your credit card.
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12 Strategies for Smart Student Loan Borrowing
By Ainsley Rindfleisch
08/16/2022
Is your goal to graduate with little to no debt? These 12 strategies for smart borrowing are a great place to start. Learn about gift aid, tuition payment plans, and how to minimize student loan debt.
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How to Graduate with Little or No Debt
By Elaine Rubin
08/15/2022
Most college students take out loans to pay for their education. Learn ways to reduce or eliminate your student loan debt.
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Should You Pay Off Credit Cards or Student Loans First?
By Elaine Rubin
08/15/2022
What’s the best strategy to tackle your credit card and student loan debt? Hear from the experts on the pros and cons of attacking one vs. the other; including how it impacts your credit score.
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Student Loan Hacks
By Elaine Rubin
08/15/2022
You can conquer your student loan debt. Here are some hacks, including tips on loan forgiveness, to help ease the burden of student loan debt.
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How To Get A Credit Card With No Credit
By Hannah Horton
08/12/2022
Although you may not be eligible for a credit card with extensive perks and benefits, you can still begin building your credit score and history
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How To Use A Credit Card
By Hannah Horton
08/12/2022
Whether you want to build your credit or you simply want to conveniently purchase items without paying upfront, a credit card is a great addition to your wallet.
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Graduate School Scholarship
By Ainsley Rindfleisch
08/10/2022
If you are looking to pursue graduate school, know that there is funding available to you through scholarships, grants, and fellowships which can help ease the financial strain.
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What College Should I Go to?
By Ainsley Rindfleisch
08/05/2022
You may want to consider possible majors, location, networking, price, and ultimately, ability to find a job as you decide what college to attend.
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Best Accredited Online Colleges
By Ainsley Rindfleisch
07/20/2022
Read on to see our curated state list of accredited schools with online degree options.
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How to Apply for College
By Ainsley Rindfleisch
07/18/2022
We will walk you through how to apply for college and the three steps you should take when applying to have the best chances of getting into the school that is the right fit for you.
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The Difference Between the ACT and SAT
By Ainsley Rindfleisch
07/15/2022
The ACT and SAT are designed to test college readiness, but vary in structure, timing, and scoring. We’ll walk you through the differences to help decide which test is right for you.
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How to Pay for a Second Bachelor's Degree
By Elaine Rubin
07/15/2022
You can secure financial aid to help you obtain your second undergraduate degree starting with completing the Free Application for Federal Student Aid.
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Private vs. Public College
By Ainsley Rindfleisch
07/12/2022
Deciding to go to public vs private college might not seem important but there are some financial considerations you should think about before making a decision.
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Why Should I Go to College?
By Ainsley Rindfleisch
07/12/2022
College is not required for everyone, but has benefits such as networking, increased income potential, and a variety of career opportunities, to name a few.
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When to Start Applying for College
By Ainsley Rindfleisch
07/11/2022
Starting your college applications early can prevent added and unnecessary stress to your senior year, but read on to learn about the different steps you can take as a high school student to prepare.
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Edly Student Loan Review
By Ainsley Rindfleisch
06/30/2022
Edly offers Income Based Repayment (IBR) loans, an alternative to traditional private student loans.
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Free Online College Courses
By Ainsley Rindfleisch
06/21/2022
Free online college courses are a great resource to help you broaden your pool of knowledge or to help you stay up to date within your industry.
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Best Credit Cards for Fair Credit
By Hannah Horton
06/03/2022
Whether you have fair credit or no credit at all, there’s a credit card option available for you.
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The Common Application
By Ainsley Rindfleisch
06/03/2022
The Common Application is a non-profit organization that offers the Common App, a free college application shared by over 900 member schools.
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Notepad on desk with 529 College Savings Plans written on it
What is a 529 Plan?
A 529 plan, also known as a college savings plan, is a plan that allows you to save and pay for the future education of yourself, your child, a family member, or even friend.
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Affordable Online Colleges
By Ainsley Rindfleisch
05/26/2022
Students can pursue their degree or upskill wherever they are with the lure of affordable and accessible online colleges.
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Military Student Loan Forgiveness
By Ainsley Rindfleisch
05/26/2022
As a member of the military, you have a few options if you are considering military discharge or loan forgiveness as there are special student loan benefits, forgiveness, and repayment options available to you.
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What is Online College Like?
By Ainsley Rindfleisch
05/25/2022
Online courses have a similar workload to their face-to-face classes with similar assignments partnered with virtual lectures and discussion boards to supplement learning.
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How to Get a Degree Through Distance Learning
By Ainsley Rindfleisch
05/25/2022
Getting an online degree is possible with online admission and a variety of courses and programs to choose from—all without having to step foot on a college campus.