10 Ways to Get Fit for Free (Infographic)

Download the infographic as a PDF.

With the new year often comes a resolution to lose weight, get in shape or otherwise improve health. Gym memberships, personal trainers and coaches are often outside the budget for students, however. The good news is that you have many options to get fit for free.

1. Walk instead of ride.

Depending on your location, you may be able to walk to school, work and shops instead of driving the car or getting on a bus or train. Besides increased health benefits, you’ll save money on car maintenance, parking and fuel.

2. Use household items or public structures.

Find a convenient set of stairs, track or trails to get in a good cardio workout. For strength training, start with a bottle of water and graduate to a bottle filled with sand; then move on to larger jugs as you get stronger. If you’d like to increase agility and flexibility, design your workout around park benches, playgrounds or even your living room furniture.

3. Search for free equipment.

Start at home; you may have family members who have invested in machines, weights, mats, balls and other equipment and then abandoned them. You can also search or advertise on online sites like Craigslist or Freecycle for equipment that other people no longer want.

4. Download a fitness plan or app.

If you need a structured schedule to stay on track or if you aren’t sure what you should do when, look online or in an app store. Free tools are available for all fitness levels and goals.

5. Mix it up.

If you tend to get bored with a workout, search out free podcasts, TV shows and online videos or head to the library for videos and books. You can switch to another program easily as soon as you get tired of your current one, or vary your routines daily to avoid burnout.

6. Use student facilities and programs.

If you’re a college student or a high school student taking college classes from a nearby campus, check out the athletic and recreation facilities. You may have free or nearly free access to classes, personal training, gyms, fields and courts. If you’re in high school, check with the coaches and administrators on open gym times, weight room availability and track policies.

7. Join a sports team.

If you find it difficult to stay motivated on your own, consider joining a team. If you aren’t up to tryouts for a school team, look at intramural, community and amateur leagues. A desire to perform well in a game can help you stay motivated between games or seasons.

8. Become a friend of dogs.

With today’s lifestyles, many pet owners would gladly allow a responsible student to walk, jog or play with their dogs on a regular basis. In fact, a lot of owners will pay students to do just that, so you can earn money while getting in some exercise.

9. Volunteer.

Look for a volunteer opportunity that will allow you to get a good workout in on the job site. Communities often have home building and repair organizations, clean up committees and landscape crews that rely heavily on volunteers. If your community doesn’t have any, consider starting one or just help out your neighbors. Shoveling snow from several driveways or push-mowing a few lawns a week will keep you in shape.

10. Improve your diet.

Free recipes and meal plans are widely available online to help you create a shopping list of healthful foods. If you’re unsure what type of dietary change is best for you, ask your family doctor at your next checkup or check for advice at the campus health clinic. You can also see if you can set up a free, no-obligation appointment with a nutritionist at your local grocery store. Weight loss centers also often offer a free initial consultation; just be sure you won’t have an obligation to pay for any future services when you make the appointment.

By: Iowa Student Loan

12 New Year’s Resolutions for High School Seniors

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The final year of high school may feel like a time to settle in and enjoy the familiar. With a big life change coming up, however, the start of a new calendar year might facilitate a few changes to get ready for even larger ones later.

Here are 12 resolutions for college-bound high school seniors.

1. Get excited about college.

It’s natural to feel sad about leaving high school behind, but resolve to think instead about the new opportunities waiting for you in a few months. Regardless of how far from home your college is, you will have a chance to make new friends and to discover new things about yourself and the world. Let go of any resentment about what didn’t go right in high school and prepare to be open minded about new horizons.

2. Finish strong academically.

Remember that your college will need your final transcript, so don’t let your grades drop once you’ve been accepted. If you’re taking dual enrollment, Advanced Placement (AP) or International Baccalaureate (IB) classes, remember that you may need to achieve certain grades or test scores to be able to receive credit for required classes at your college.

3. Learn how to adult.

Very soon, you will be responsible for getting yourself out of bed and to class or work on time. You’ll also need to know how to take care of laundry, handle financial matters, advocate for yourself and much more. Make a list of things you’ll need to know how to do on your own and start checking items off.

4. Know what needs to be done for college.

If you’ve made your final college decision, make sure you understand what is needed next. You may need to make enrollment and housing deposits, reserve a spot at orientation, select housing and roommates and visit the doctor for vaccinations or checkups. You may also need to contact other institutions you applied to and let them know you aren’t planning to attend. If you haven’t yet committed to a college, check the deadlines for the top contenders to ensure you don’t miss any.

5. Save or make money.

Besides the large expenses of tuition, fees, housing, books and other costs of college attendance, you’ll need money for daily expenses, transportation and more. Resolve to spend less between now and the day you leave for college and make a goal to land a job to earn additional cash if possible.

6. Make memories.

Even though you’ll spend a lot of time thinking about and preparing for college, also try to be present in the moment. Enjoy your hometown friends and family while you’re with them.

7. Say thank you.

Many people have probably helped you get where you are right now. Teachers, mentors, coaches, recommenders, your parents and others may deserve and will undoubtedly appreciate your thanks. Be specific about how they’ve helped or inspired you and let your relationship guide you on whether a handwritten note or an in-person gesture is best.

8. Apply for scholarships.

It’s never too late to apply for scholarships to help you manage your college expenses. Start with a search on your college’s website or a call to the admissions or financial aid office. You may be eligible for competitive or automatic awards from the college, your academic department or other providers. Also search on scholarship websites and check with your school counselor for outside scholarships. And, finally, remember to explore offerings from your own and your family’s employers, financial institutions, community and religious organizations, and other outside sources.

9. Leave a positive impression.

If you will soon need to end your involvement in an organization or activity, plan a way to leave a lasting legacy. You may be able to spearhead a special campaign, pass a project or advice on to another member, or put forth your best effort.

10. Create your own future.

Many seniors who have been deferred or denied by their top choice college feel as though they are settling for second best. Remember, regardless of admission decisions, your success is more about you than any one college path. Resolve to always be your best and seek out opportunity no matter where you’re headed next fall.

11. Weigh financing options.

If you haven’t yet, you’ll soon receive your college’s financial aid packet detailing the financial aid you are eligible to receive as a student at that institution. Carefully consider how you can limit borrowing. If your financial aid doesn’t cover cost of attendance and you need to think about private loans, compare your options for the best fit for your situation.

12. Set goals for the next phase.

Most college freshmen plan to graduate college and find a job after obtaining a degree. Think about specific and incremental goals that will help you reach that main objective. Consider whether you want to or should maintain a certain GPA; find and participate in internships, co-ops or other career-related work; complete research; join student organizations or graduate debt-free.

By: Iowa Student Loan

College Visits: What to Ask

Header image: College Visits: What to Ask

A visit to a college campus is a great way to familiarize yourself with the overall atmosphere on campus and see what daily life there may be like. It’s important to find the right fit financially and personally so that you save time and money in attaining your degree. Choose from among the questions below to ask on your next college visit.

What to Ask an Admissions Representative

  • Is admission need-blind (meaning financial background does not impact admission) or need-aware (meaning that full-pay students are more likely to be admitted or that there’s a limited number of scholarships for financially needy students)?
  • Is there an introductory freshman year experience, such as a service or camp opportunity?
  • Is there a culminating senior year experience?
  • What is the average class size for introductory or general education classes?
  • Are students required to live on campus? Every year?
  • Are dorms available or guaranteed for upperclassmen?
  • What are the food plan requirements when living on campus? How does the food service accommodate food allergies/sensitivities?
  • How do AP, IB and dual enrollment classes, SAT subject test scores and CLEP test scores count for credit?
  • How does class scheduling/academic advising work? How and when do freshmen sign up for classes?
  • How does the school help students take the right classes at the right time to graduate in four years?

What to Ask a Financial Aid Representative

  • How do outside scholarships affect financial aid? Will they replace other awarded aid or be stacked on top of it?
  • What are the work-study opportunities on campus?
  • What campus employment is available for students not awarded work-study?
  • Is alternative financial aid, such as service-based scholarships, available?
  • Do financial aid packages change after freshman year?
  • How many campus and departmental scholarships are available after freshman year?

What to Ask a Representative of Your Major

  • What is the student-faculty ratio in my major?
  • What is the average class size for upper division classes in my major?
  • What opportunities for undergrad research would be available to me?
  • How many undergraduate students conduct research?
  • Is there a separate admission process for my major, and what does that entail?
  • What is the admission rate for students of my declared major?
  • Is my major impacted or highly selective? Or, is there a chance my major will be eliminated before I graduate?
  • How many students get internships? What is the process for finding internships?
  • Do companies come to campus to recruit? Is there an annual career fair for students in my major?
  • What is the role of teaching assistants for my major?
  • What does it take to graduate in four years?

What to Ask Your Tour Guide

  • How many students live on campus versus off-campus? How many commute?
  • Are art or music spaces available to non-majors?
  • What IT services are available, and how much do they cost students?
  • What is the campus sports atmosphere?
  • What do students on campus think of my intended major? Does it have a reputation?
  • What happens when there is an emergency, such as severe weather or an active shooter?

What to Ask Students on Campus

  • How crowded are dorms?
  • What happens on weekends and breaks? Do many students leave campus?
  • What other schools did you look at and why did you decide on this one?
  • What is the social life like?
  • How do you get around campus or to shopping, the airport or the entertainment district?
  • Do most students have bikes or cars?
  • How much does it cost to live off-campus and what are the options?
  • How hard is it to get into required classes?
  • Are you able to meet with your professors when you want to?
  • What are your favorite and least favorite things about this college?
  • Where do students get food other than the dining centers?
  • How do students view fraternities and sororities?
  • What are the most popular activities on campus?

What to Ask Yourself

  • Does the student body seem friendly and welcoming?
  • Are the library and other student academic centers up to date and are students using these resources?
  • What is available to eat in the dining center and how many options are there on a daily basis?
  • Where do students gather and how do they interact with each other?
  • Does the bus system run on time and go where needed? Does it seem overcrowded or underused?
  • What do I think of the main buildings, labs and facilities for my major and other main interests?
  • What does the student newspaper, posted fliers and notices tell me about the campus?

See questions that are easily answered through research instead.

By: Iowa Student Loan

College Visits: What Not to Ask

Header image: College Visits: What Not to Ask

Many of the most common questions people ask on college visits can be answered by looking at the school website or its Common Data Set questionnaire*.

* To find the Common Data Set online, search for the term on the school’s website, or enter the school name and “Common Data Set” in your browser search bar.

Research the answers to these questions to help you narrow down college choices.

  • What are the requirements for admission?
  • What other factors, like being a first-generation or legacy student, affect admission?
  • Are students typically accepted through early admission or off a waitlist?
  • Is a gap year allowed between admission and enrolling?
  • How many undergraduate students and graduate students are on campus?
  • What is the student-faculty ratio?
  • How many students are in the average class?
  • How many students graduate in four years, five years and six years?
  • What is the student retention rate?
  • What is the average debt for students?
  • What is the percentage of financial need met by the school?
  • What percentage of students receive financial aid?
  • How much of awarded financial aid is scholarships and grants, and how much is loans?
  • How many students are in fraternities and sororities?
  • What activities and clubs are available?
  • How many students study abroad?
  • Is there an honors college or program, and what are its requirements?
  • Does the school offer living/learning communities, and how do those work?
  • What additional services, including tutoring, academic advising, health, mental health and career, are available to students?
  • What are the crime rates and types for the campus and the surrounding community?
  • What do students and families say about this school on social media sites like Twitter, Facebook and Reddit?
  • How do professors in my major score on ratemyprofessor.com and other educator rating sites?

See a list of questions to ask during college visits instead.

By: Iowa Student Loan

5 Advantages to Networking During Break

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Use your time over the holiday break to boost your networking connections. Here’s why:

1. You’ll see a wide variety of people

During the holidays, you’ll likely see relatives, family friends, neighbors, former classmates and previous employers, all of whom have their own circles of connections and acquaintances. Tell as many as you can about your career aspirations — you never know when the opportunity may arise for someone to put in a good word for you.

2. Organizations have holiday parties too

Check out the websites and calendars for professional organizations in your career field. Many are happy to welcome interested students to their events, which creates a chance for you to meet and impress a large number of potential connections.

3. You have an extended period of free time

If you’re not working, you may have time to job-shadow for a week or more, or even volunteer to complete a small project for one of the companies you’d eventually like to work for. This offers a potential employer the opportunity to see your skills while you provide a valuable service, and it allows you to make connections with the employer and staff (who may also recommend you to their own connections later).

4. You have time to travel

With a stretch of two to four weeks away from school, you will have time to travel to a distant city or employer that appeals to you. Contact companies in your desired area and ask about opportunities for informational interviews, career exploration discussions and job-shadowing in your field.

5. The pressure’s not on

Since you have time before graduation, making connections now provides plenty of opportunity to develop relationships without appearing to try to land a full-time job. Perhaps the professional you met at the neighborhood holiday party will become a mentor throughout your college years and early career, or maybe a potential employer you visit now will become an internship opportunity for next summer.

Networking Tips

Before you head out to your first potential networking event, make sure you:

  • Have prepared a brief summary of your goals. Nail a casual yet professional 30-second networking speech about what you want to do and why.
  • Have contact cards and resumes on hand. Be ready if people ask if they can have a colleague or acquaintance contact you.
  • Set up your profile on LinkedIn and other social networks. Even if someone doesn’t seem interested right away, he or she may have occasion later to try to find out more about you.
  • Clean up your social media accounts. Your contacts and their connections may check you out before agreeing to an informational interview or calling you. Make sure they don’t have reason to call someone else instead.

And, always remember to say thank you, whether it’s for a person’s time, an introduction to someone else or a potential opportunity.

By: Iowa Student Loan

Six Tips for Staying Sharp During Break

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Winter break: a perfect time to catch up on sleep, eat wonderful meals with family and relax in front of the TV. These opportunities to recover from the stress of classes, homework and studying are important. But don’t let your time away from the classroom impact all that you have been learning. Stay sharp by engaging your mind in different activities.

Take Time to Read

A book, news or sports articles or your favorite blog. A break from typical academic reading to focus on topics that you really enjoy can remind you why you like to read before textbooks and research papers become your major source of words again.

Tutor a younger student

Helping someone master a difficult math concept, memorize the periodic table or learn about your favorite subject can benefit you both. The student you spend time with gains from your knowledge while you get a chance to look at a topic from a different point of view (you’re the teacher now, not the student).

Take an online class

If you’re in college, you may be able to take an intensive online class or two over the winter break for credit. If you’re in high school or your college doesn’t offer online classes during the winter break, check out your local community college offerings for credit or look for free online learning opportunities where credit may not be offered but interesting topics may be available. Top colleges like Yale, Harvard and MIT offer access to prerecorded lectures and courses at no cost.

Work ahead

Do you have your syllabus and books for next semester’s classes? Or do you know where you left off in a year-long class? Make good use of your down time by getting through some early reading and studying. Don’t forget to take notes about what you’re reading so that you can quickly refresh your memory when class starts back up in the new year.

Do something fun

Staying mentally sharp doesn’t necessarily mean doing work. Challenge yourself with a puzzle, arrange a family game night or create a scavenger hunt filled with riddles and problems to solve for friends. Entertaining activities can stimulate your mind and be much more enjoyable than spending time answering practice questions.

Don’t forget to exercise

Take your mind off school subjects by going for a walk, hitting a local basketball court with friends or trying your luck at an ice skating rink. Your mind and body will both thank you for some physical activity.

By: Iowa Student Loan

Understanding Starting Salaries

Do you know how much college graduates can expect to make in their first job? Iowa Student Loan offers this information, along with other related career information, for college graduates with common majors in its ROCI Tool.

Explore Careers with the ROCI Tool

This unique tool shows students how to estimate a realistic return on college investment, or ROCI. After choosing a college major, users see:

  • Top jobs held by college graduates with a degree in that major.
  • Links to the U.S. Department of Labor’s Occupational Outlook Handbook description for each job.
  • Whether those jobs are considered to be on the career track for, or closely related to, that major.
  • The probability of a graduate with that major obtaining each job.
  • The average starting salary, which is equivalent to the maximum recommended total borrowing level.
  • Anticipated new jobs needed by 2024.
  • Proportion of graduates with that major holding that job.

Use the ROCI Tool to compare jobs, starting salaries and possible career choices.

By: Iowa Student Loan

Choosing a College: Consider Costs

Cost of attendance is often the biggest factor in choosing a college, but the affordability of any particular college or university can be difficult to determine. Here are some steps you can take.

1. Know how much your family can pay for college.

The actual amount you can afford to spend may depend on a variety of factors. Be clear and honest about how much parents are able to contribute and the amount the student will be able to earn or save for college.

2. Understand actual cost of attendance numbers.

Colleges provide current cost information for tuition, fees, housing, meals and other expenses on their websites. Look at these numbers carefully to understand how they are determined. Do tuition and fees change based on number of credit hours? Are students living in residence halls required to pay for a more expensive meal plan? Are the average transportation or living expenses high or low for your situation?

3. Gather information about scholarship programs offered by the college.

The school website is also a source of information about eligibility for the different scholarships offered by the school. Check to see if any apply to your situation and whether they are guaranteed for any eligible student or are competitive awards.

4. Research scholarships, grants and other aid recently awarded to similar students by the schools you’re interested in.

Many colleges and universities offer data about the number of students who received aid and how much total aid was awarded through a document called the Common Data Set. To find it, type the name of the institution and “Common Data Set” in your internet search engine.

5. Estimate your family’s costs.

A net cost calculator can help estimate the amount you may be expected to pay at a particular institution. Search online for the name of the school and “net cost calculator” to find that institution’s tool. Some calculators allow you to input your family’s financial and other information to estimate available scholarships and aid; others are less robust and will provide a more general estimate of net cost. Certain factors, like a family business, may affect the accuracy of net cost calculators.

6. Determine a realistic timeline.

The amount of time it takes the average student to graduate may vary depending on the school, specific program and other factors. The graduation rates provided on the school’s Common Data Set may help you determine a realistic timeline.

7. Compare a reasonable estimate of the actual cost for a total college career to the amount you can afford to pay.

This information will help you decide if a college is affordable to your family. Remember, this is only an estimate, and you may be able to work with the financial aid office, increase earnings, reduce expenses or find additional funding to make a college choice more affordable.

By: Iowa Student Loan

Easy Ways to Save Money Over Winter Break

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As you finish up finals and prepare for a nice long winter break, think about how you can save money over the holidays. These easy tips can help you avoid extra charges next year.

To Do Before You Go

1. Plan a cheaper way home (and back)

If you live several hours from college, consider these ways to save money on transportation.

Carpool. Seek out students from your hometown or a nearby area and share a ride. To find someone heading in the same direction, look at sites like Ride-Share.com. For a fair split of the costs, check out apps and online carpool cost calculators.

Ride the bus, train or plane. Check out Megabus for regional bus travel or Greyhound for long-distance bus trips. Amtrak offers student discounts on train travel, and StudentUniverse advertises low plane fares for students.

2. Go green to save green

Save money on your off-campus utility expenses by reducing the amount you’re billed for while you’re away from college.

Dial back. If you have your thermostat set for toasty temps but your rented apartment or house will be empty over the long break, turn it down to save on utility bills. Just make sure you keep it warm enough—about 50 or 55 degrees—to prevent frozen pipes or other damage.

Unplug. Docking stations, computers, TVs and other items use standby power when they’re idle. Unplugging what you can will save some money on your electric bill and help prevent problems from a power surge.

3. Winterize your ride

Do what you can to avoid the costs—and other complications—that stem from being stranded or in an accident.

Give your car the once-over. Check your battery, wiper and other fluids, wiper blades, heating and defrosting systems and brakes. Also check your oil and, if needed, get an oil change. Plan to always have at least a few gallons in the gas tank while temperatures are near or below freezing. Finally, make sure your tires are not too worn to be safe and consider snow tires if you will be driving in winter conditions.

Prepare for trouble. Make sure you have what you need if you do have a car emergency. Check your spare tire, jack, jumper cables and tow rope. Add winter supplies like sand or kitty litter for traction if you get stuck, antifreeze for gas lines and windshields, a small shovel and a snow brush with an ice scraper. Bottled water, nonperishable snacks, blankets, chemical hand warmers and a battery pack for your phone are also good ideas. While driving long distances, stop often for gas in case you need to run the engine to stay warm. (Always make sure the tailpipe is not blocked and no fuel is leaking before running a stranded car’s engine.)

To Do Over Break

1. Get a checkup (or a few)

Schedule appointments for dental, eye and general health checks, as well as any follow ups you need with specialists. Maintaining your health can help you avoid more costly episodes later, and many insurance providers offer a discount for annual exams. While you’re there, ask your doctors about any alternatives or generics that can save you money on prescriptions and supplies.

2. Use your student ID

You might be in the habit of asking for student discounts around campus, but your hometown retailers, restaurants and other venues may also offer savings if you show your student ID. Many online providers also offer special pricing for students.

3. Gift from the heart

If you’re planning to exchange gifts with old friends or family over the holidays, think about homemade (and heartfelt) gifts that cost less. Simple sewing projects, photo gifts, baked goods or crafty arrangements will be appreciated by all. Alternatively, suggest a group outing where you can split admission fees and costs instead of exchanging presents.

By: Iowa Student Loan

15 Ideas for Making Money During Winter Break

Depending on your school’s calendar, you may have from two to four weeks away from school with little or no academic commitments, which leaves you plenty of time to earn extra cash which could be used to reduce your need for student loans or allow you to pay interest on current student loans to reduce your balance.MoneyOverWinterBreak-infographic

Download a PDF of this infographic

Here are 15 ways you can make money over your break.

1. Find a paid internship

Make money and gain valuable experience at the same time. Check with your campus career services office for available opportunities near campus, or contact companies in your field close to home.

2. Apply for scholarships

Spend several hours researching and applying for the scholarships you were too busy to look at during the academic session.

3. Work retail

Many retailers take on seasonal staff to help with the preholiday rush, post-holiday sales and gift returns.

4. Turn your existing part-time job or internship into a full-time position

Your employer may jump at the chance to give you more hours to offset other employees’ vacation time or to help handle year-end projects.

5. Babysit for busy parents

Besides the extra commitment of holiday parties and travel, many parents also seek temporary, full-time sitters for school-age children at home during winter break.

6. Take care of Fido (and Bessie)

Pet owners who will be away for an extended period of time may prefer to have a responsible person come in to feed, exercise and clean up after their furry friends. If you live in or near a rural area, don’t forget that farmers often need someone to take care of their stock every day. Advertise early to line up several commitments over break.

7. Be a house-sitter

Homeowners will often pay a responsible person to stay in their home, water plants, set out garbage and take care of other tasks while they are away for a long trip.

8. Sell your stuff

While you’re at home over break, take the opportunity to go through clothes, electronics, books and other belongings you no longer need. You can take them to consignment shops or sell them yourself online.

9. Be the designated driver

With holiday parties in full swing, more and more people turn to Uber and other driving services.

10. Promotional campaigns

Offer your tech and social media savvy to businesses who want to promote products or holiday sales. A few hours of your time can be worth a lot of money to business owners who don’t have the time or knowledge to set up their own campaigns.

11. Put your creations up for sale

If you’re artistic or crafty, a little time designing holiday cards, decorations or gifts can pay off when you sell them online or at flea markets.

12. Fill in on or near campus

It may sound strange to spend your break on campus, but if you have a place to stay, you may be able to find a temporary position taking shifts for other students who’ve gone home. The bookstore, area shops and campus offices may need help preparing for the spring semester while some of their regular staff is out.

13. Teach a class

Work with local gyms, libraries and shops to set up special classes in something you know well and can teach others — a great workout for sedentary office workers, a how-to for smartphones or apps, creative cooking for the budget-conscious.

14. Do the legwork

Do any local businesses need help distributing fliers or making holiday deliveries? While you’re doing your own holiday shopping, keep an eye out for an opportunity to offer your services.

15. Take care of not-so-odd jobs

Advertise your availability to run errands, wrap gifts, hang holiday lights and shovel snow.

 By: Iowa Student Loan

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