Podcast #60: Tommy and Kyle take out loans, Podcasts

EP#60: Tommy and Kyle Pay Off Their Student Loans. Tommy’s Not Done Yet.

Tommy Nickel, Janet Maltbie and Kyle Nickel at BoxCast studios.


Going to college in the fall? Is it worth your time and investment? Tommy and Kyle have Communications degrees and both took out loans but Kyle went to a public school. Tommy didn’t. This podcast centers on the career journey both brothers began over 10 years ago. Was it worth their time? Are they glad they went to college? Did they need it for the jobs they both have at BoxCast, a Cleveland based technology firm that offers streaming solutions to organization and individuals

Going to college is expensive but is it right for you? There are many ways to get started in a career that doesn’t necessarily involve going into debt. If you’re unsure about your career direction and want more information about how to find a career that fits your personality, interests and skills. Reach out to Janet Maltbie at noloanzone.com/contact.

Many thanks to Wade Clark of Boxcast who provided production assistance and to Danosongs who provided music for this podcast.

Podcast #59: Careers in Technology, Podcasts

EP#59: Congratulations Graduate! Now What? Consider a Career in Technology.

Gordon Daily discusses careers in technology with Janet Maltbie


Today, the NoLoanZone Podcast goes on location at Boxcast with Gordon Daily, CEO and Co-Founder of Boxcast.  Boxcast is a Cleveland based computer technology company that offers online streaming solutions to organizations and individuals. Gordon graduated from Case Western reserve with a degree in Computer Engineering and employs about 100 people, many of whom, have completed a degree. 


3:53 What is Gordon looking for in an employee? Skills and the intangibles matter. 

4:52 Technology is a great place to invest in but half of the job isn’t actually doing the technology. The bulk of the job is communication, organization, research, working with people. 

6:08 If you are going to an elite school like Case Western Reserve, you have to have some aspirations and know exactly what you are doing. Because if you come out of that school without a real clear idea what you want to do, it’s just a hard game to catch up with in terms of debt.

6:53 The most valuable thing they (Case Western Reserve) gave to me (Gordon) was the relationships with the people that I knew my co founders, and my best technology coders are people that I met through the university.

7:31 At Boxcast, we have lots of employees that have degrees, we have lots of employees that don’t have degrees. We have people in technology positions that don’t have a four year degree, there are all kinds of interesting learning experiences that you can have that don’t require having to have a degree. 

8:10 Intangible skills do matter. It’s not that skills don’t matter. And you have to learn the coursework, whether that’s in the classroom, online, or through a, you know, some sort of alternative program. But really, what matters most to companies are your work ethic, and how well you work with other people. And will you follow through on the deadlines? When you say you’re going to do something? Can you do something? And can you stay organized?

9:35 Lots of living wage opportunities are available in technology. But is it right for you? There are many ways to get started in the field that don’t necessarily involve going into debt. If you’re unsure about your career direction and want more information about how to find a career that fits your personality, interests and skills. Reach out to me Janet Maltbie at noloanzone.com/contact.

Podcast #58: The ROI Factor, Podcasts

EP#58: The ROI Factor: Getting a Smart Return on Your College Investment.

Joe Flinner of Landing Point Financial Group discusses ROI with Janet Maltbie


Today on our program my guest is Joe Flinner. This week we look at ROI (Return on Investment); How to get a smart return on your college investment. Joe is the lead wealth advisor for Landing Point Financial Group in Avon Ohio. He earned a finance degree from Bowling Green University and is a Certified Financial Planner and a Certified Kingdom Advisor. 

Some quick tips on getting a smart return on a college investment: 

  1. College is expensive. Start early planning for college. Have small incremental conversations with your student regarding about how much money you can reasonably invest for college without burdening them with exorbitant debt. 
  2. A good rule of thumb is for every $10,000 in student loan debt, there will be about $110 a month in payment. So for a $40,000 loan, there will be about $440 a month in principle and interest payment on a standard 10 year loan.
  3. Look up what a starting salary is for the major. If the starting salary is $36,000 a year, don’t put yourself in a position where you owe $90,000 in college debt when you graduate.
  4. Have a conversation with a third party to determine what you want your contribution to the college plan to be. Do this before you have that conversation with your children. Its a really good opportunity to understand your financial balance sheet  and to understand what you can reasonably contribute to their education. 

Joe Flinner can be reached through http://www.landingpointfinancialgroup.com or by calling 440-361-7227.  And, if you’re unsure about your career direction and want help on completing a degree debt free you can reach me Janet Maltbie at http://www.noloanzone.com/contact. Janet meets with students and adults in transition so they can reach their career goals. 

Podcast #57: A Beginners Guide to Transferring, Podcasts

EP#57: A Beginners Guide to Transferring using the University Partnership Program.

Photo by Leon Wu on Unsplash
Brenda Hitchens discusses college transfer tips.


Janet Maltbie discusses a beginners guide to transferring to a college or university using the University Partnership Program with Lorain County Community College (LCCC) Student Senate Representative,  Brenda Hitchens. 

Brenda holds an A.A. degree from LCCC and is currently working on her Bachelor’s degree in Psychology through the  University Partnership program with Cleveland State University and LCCC. 

Brenda joined the Student Senate because she wanted to help students  advocate for themselves and seek appropriate solutions to assist their way through college.

Brenda’s tips to transferring:

  1. Ask a lot of questions, especially financial aid questions. Financial aid does not last forever. Don’t waste it taking unnecessary classes.
  2. Make an appointment with your academic advisor. Make sure you are taking the right classes.
  3. If you plan on transferring to a 4 year college, know your major and have a plan. Meet with a transfer coordinator early so all your Community College classes transfer and fulfills your major requirements at the 4 year college or university. 

Reach out to the LCCC transfer center through Lorain County Community College by calling  440-366-4949. Brenda Hitchens can be reached directly through the Student Senate by calling 440-366-4036. 

Finally, if you’re unsure about your career direction, and want help on completing a degree debt free, Janet Maltbie can be reached at noloanzone.com/contact. She teaches a totally online career exploration class through LCCC called Career Exploration and Life Planning , SDEV 103.

Podcast #56: Avoid College Debt: Transfer, Podcasts

EP#56: Avoid College Debt: Transfer and Get Aid

Photo by Jeswin Thomas on Unsplash
Billie Sirn discusses college transfer tips.


This week on the No Loan Zone Podcast we look at how to avoid college debt by transferring and getting aid. Today on our program my special guest is Billie Sirn. Billie is the Lorain County Community College Transfer Coordinator who helps students apply and transfer to 4 year colleges, professional and graduate schools. 

Ms Sirn has worked at a variety of colleges to include, Ashland University, Northeast Ohio Medical University and Miami University where she worked for 18 years as a Study Abroad Advisor for the Luxembourg Program, and a Financial Aid Advisor.

Tips on easing the transfer process:

  1. Start with the end in mind. Don’t assume your college credits will transfer.
  2. Reach out to your current college advisor, transfer coordinator.Tell them where and when you want to transfer.
  3. Obtain the requirements for the transfer school of your choice. Work with the transfer coordinator of that school as early as possible. 
  4. Don’t go it alone. 

My guest, Billie Sirn, can be reached through the Lorain County Community College Transfer Center at 440-366-4949 or by going to the LCCC Transfer Center website at: https://www.lorainccc.edu/admissions-and-enrollment/transfer-information/

Also, if you are unsure about your career direction and want help on completing a degree, debt free, you can reach me, Janet Maltbie, at noloanzone.com/contact. I meet with students and adults in transition so they can reach their career goals.  I also teach a totally online career exploration class through LCCC, called Career Exploration and Life Planning, SDEV 103.