For the first few years of my college career, I was a cocky little sucker who was convinced that tutors were for the less-evolved, slower-thinking students on campus. Since I was “gifted” and had always been told that I was in possession of above average intelligence, I would of course be able to learn all college coursework instantly, perfectly, and with no assistance.

I know, what a dumb b**ch.

Because I’ve grown as a person, the irony of this is not lost on me: the “average” and “below average” kids showed higher levels of intelligence, common sense and basic survival skills than I had when they all joined study groups and headed to the tutoring center the first week of school.

It took me a few years, but I finally figured out that (a) I was going to actually have to work to learn all the material (sadly, no instantaneous absorption qualities do I possess), and (b) trying to get through college with no assistance just makes you look like a jackass. A jackass with a really expensive, crappy GPA.

The first trip to the tutoring center or to the prof’s office hours were the hardest. Once I got over the hump, I lived there. Later on, during Degree #2 I was technically in school full-time, but I was creatively spreading my classes out to mostly evening and online courses so I could be home with my infant daughter (only people who can hire drivers and butlers can afford childcare and tuition simultaneously). Which meant I was usually studying at home, halfway across Seattle, not on campus in the library where I could search out a classmate and ask a question about the homework.

I hated so much that feeling of being totally lost or confused by a physics or chem or calculus problem that I lost any self-consciousness associated with walking into the tutoring center, raising my hand before I even sat down, and asking for help. At some point, when my daughter was old enough to start preschool and I was on campus during the day like a real college student, I had the math tutoring center hours memorized and would just sit in there doing lab write-ups and math homework, raising my hand whenever I encountered a road block.

So the tutors saved my ass (once I managed to yank my own head out of it) and helped me figure out monumental, James Joyce-ian math and physics problems without ever giving me the answers or spoon-feeding me. I needed to understand how to do the problem, I didn’t want the answer. A tutor worth his or her salt never does the work for you. And if you find one who does, pray they’re tiny enough to fit inside your backpack so’s you can bring them along for exams.

Posted by Alexa Harrington

Pamela Yellen over at the Huffington Post gives advice on How to Avoid Graduating College Summa Cum Debt. I’ve read dozens of articles on this topic over the years and none have irked me and impressed me with their proposals and solutions the way Yellen’s article has.

Her main piece of advice is to flat out not head off to college at all “unless or until you can afford it.” Not the standard higher education version of the American Dream. Usually everyone’s telling young adults to do whatever they and their parents can in order to acquire a college diploma, regardless of how many decades beyond graduation both parties will be swimming in debt.

Whether you agree with her or not, it’s interesting stuff to think about:

Four Paths to a Debt-Free College Education
1. Save it first.
2. Postpone it.
3. Do it smarter.
4. Skip it altogether.

Further Reading:

Ways to Kick the Ass of Student Loan Debt
Number-Crunching the Effects of Student Loans
Adventures in Education: Paying for College
The Economy and Higher Education
No One Likes a Recession
Calculating Potential
Investing in Students’ Futures
Extremely Useful Guidance for the Newly Salaried
Fall 2011 Facebook App for Financial Aid
College Grads and Student Loan Debt
Arne Duncan: Direct Student Loans
Increased Tuition Increases Some More

Posted by Alexa Harrington

Forbes contributor Robert W. Wood gives advice about which forms of higher education qualify for tax breaks. Wood lists the following articles for even more information on how to get a break from the IRS for funding one’s higher education pursuits:

Ten Rules for Deducting Career Education
Who benefits from student loans and educational tax benefits?
Two Tax Credits for Higher Education
IRS Publication 970: Business Deduction for Work Related Education
IRS Tax Topic 513: Educational Expenses
Deductibility of Work Related Educational Expenses
IRS: Tax Incentives for Higher Education

Posted by Alexa Harrington

(image: taxes)

Who needs more straight-up and simple financial advice than college students? Possibly only the city of Detroit. The always-awesome Ramit Sethi has yet to fix Detroit, but he has you covered.

Ramit’s suggestions for the three most basic, personal banking needs:

The Best Checking Account
The Best Savings Account
The Best Credit Card

Further Reading:

Financial Education
Financial Literacy for Graduates
“Unbundling College: How to Avoid Spending $100,000 (or more) on a Credential You Don’t Really Need”
How to Land a Mentor
Schools of Entrepreneurship

Posted by Alexa Harrington

(photo: credit card wreath)

UC Berkeley has a cool page on their site that allows you to click on any of their given majors and get a write-up of what you can do with said major (i.e., grad school, job). It’s fun to check out everything from underwater basket weaving (poli sci, psych, philosophy, etc.) to bioengineering and see the possible trajectories, especially if your parents are demanding proof that a degree in philosophy will lead to a prosperous future. Good luck with that.

Posted by Alexa Harrington

(photo: bioengineering)

Hello, frugal (read: cheap-ass and poor) college students! September, the month of the best laptop prices, is almost over. Buy it now if you’ll be needing one in the next year. Or you can pay attention for the particular laptop you want to become super cheap the week before the spankin’ new model hits the market.

If you’re a planner and would like to mark your calendar now for the next twelve months’ worth of strategic shopping, feel free to use the jelly-filled orbs in your sockets to scan WiseBread’s Buying Calendar. It’ll save you more money than those cinder-block shelves and eating all that ramen.

Posted by Alexa Harrington

Forbes has an article up on the 10 Things College Students Waste Money On. Tuition seems to be the least avoidable item on the list, but textbooks and school supplies are certainly full of frugal options.

1. Textbooks
2. Tuition
3. Automobiles
4. Housing
5. School Supplies
6. Food
7. Socializing
8. Applying for Credit

Also included: excellent advice on how fresh-faced college students can learn early on how to live below their means, which sets them up for a better financial life later on down the line.

Posted by Alexa Harrington

(fancy school supplies)

When you’re a fresh-faced newbie trying to make your way through this harsh and unkind world, it helps to have an older, wiser, more experienced hand to hold onto. Standing on the shoulders of giants makes the machete-hacking stumble through the jungle go a lot more smoothly.

Those giants are called mentors, and every chucklehead youngin’ like yourself wants one. The more awesome a mentor, the more sought out they are. This has the unfortunate effect of making them ignore most of the tweedle-dums who come begging for their priceless advice and knowledge. If you want to be mentored by the best, you’re going to have to be better than all the other chuckleheads at asking. Ramit Sethi has some advice for you.

Posted by Alexa Harrington

(standing on the shoulders of giants)

Remember the Open Courseware Consortium folks? They’re awesome in their wielding of powers for good. They make online courseware available to educators and students everywhere. The newest project is partnering with community colleges.

Press release:

OCW CONSORTIUM PARTNERS WITH LEADING COMMUNITY COLLEGE CONSORTIUM, CCCOER, TO EXPAND ACCESS TO OPEN EDUCATION

Merger Will Bring Greater Attention to Benefits of OpenCourseWare Movement

CAMBRIDGE, Mass., (June 20, 2011) — The OpenCourseWare Consortium (OCW Consortium) has partnered with the Community College Consortium for Open Educational Resources (CCCOER) to maximize and expand the impact of opencourseware to community college students, faculty and learners worldwide. CCCOER represents an important voice in higher education, having over 200 affiliated community colleges that are interested in the benefits of open sharing. Nearly 50 percent of all higher education students in the United States are enrolled in community colleges. The shared resources of CCCOER, combined with the OCW Consortium’s more than 250 universities and associated organizations worldwide, and its collective free online educational materials, provide access to high-quality educational and job-training materials that many users tap into on a local level.

Under the direction of then Chancellor Dr. Martha Kanter, now Under Secretary of the U.S. Department of Education, California’s Foothill-De Anza Community College District established the CCCOER in July 2007 to identify, create, and/or repurpose existing open educational resources as open textbooks and make them available for use by community college students and faculty.

“Open educational resources and opencourseware can be leveraged to enhance the quality and delivery of courses, increase access for learners, and reduce the essential cost of curriculum materials. With the current global economic crisis, the need to minimize financial barriers to education has become increasingly salient,” said Dr. Judy Baker, dean of technology and innovation at the Foothill-De Anza Community College District and one of the founders of CCCOER. “Both CCCOER and the OCW Consortium serve to increase access to education for students with limited means, which makes this partnership powerful. When educators pool their expertise to foster a culture of shared knowledge, everyone benefits.”

As part of the partnership, the OCW Consortium will represent the full spectrum of four-year and two-year universities and colleges that are part of the organizations’ memberships. The CCCOER advisory board will effectively act as a voice for the two-year colleges within the Consortium’s organization. The Consortium will help raise global awareness of community colleges’ work with open educational resources, and provide resources and support to institutions interested in participating in the movement.
“The Consortium is excited to showcase the work of community colleges and share the incredible benefits of the OCW movement with community and technical colleges around the world,” said Mary Lou Forward, executive director of the OCW Consortium. “The partnership between CCCOER and the OCW Consortium allows us to raise awareness and broaden access to higher education with new audiences.”

ABOUT THE OPENCOURSEWARE CONSORTIUM: The OpenCourseWare Consortium is a community of more than 250 universities and associated organizations worldwide committed to advancing opencourseware sharing and its impact on global educational opportunity. The mission of the OpenCourseWare Consortium is to advance formal and informal learning for educators and self-learners around the world through the sharing and use of free, open, high-quality education materials packaged as courses readily accessible on a digital platform. The Consortium showcases its members to a global audience and provides information and training through webinars, newsletters, and free and open opencourseware materials.

Posted by Alexa Harrington

(Sacramento City College)

It’s painful receiving the short, simple advice that paints one pristine illustration which you will never ever be able to remove from your mind. The kind of advice you understand you need to know, but that you sorely wished you’d never heard, read, or seen.

Lynn O’Shaughnessy sums up saving for college versus borrowing with this vomit-inducing blow:

Every $1 you stash away for college will save you from borrowing $3.

Stupid logical math.

Posted by Alexa Harrington