EP#42: Josh Went to a Private College. Did He Make the Right Choice? Will You?

No Loan Zone
No Loan Zone
EP#42: Josh Went to a Private College. Did He Make the Right Choice? Will You?
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Today on our program, No Loan Zone host, Janet Maltbie is on location with Josh Clemence at Boxcast, the best and easiest way to live stream events. 

Josh is a professional videographer and video content specialist at Boxcast. He is also co-owner of clevelandvideocompany.com. He holds a Bachelor’s degree in Marketing from the University of Mount Union. 

In this podcast Josh recounts his time at Mount Union. After scholarships and grants, Josh took out $100,000 in student loans and 8 years later is still paying $1,000 per month for his college. 

Josh’s key takeaways:

  • “Paying off student loans is like paying alimony to a spouse you never married.”
  • “Have a good idea of what you want to do first, or take some time to explore that before you start spending the money on college.”
  • “If you are going to go to a four year college be super involved, because if you’re not, then you’re throwing away your money.”
  • “I started a business. I met my business partner there and made great memories. But at the same time, somebody else could spend $100,000 and just go through classes and just do what they’re told and get absolutely nothing out of it.”
  • “So if you’re gonna do it, it’s still up to you to make it a great experience.”
  • “The onus is still on you to kind of take initiative and find what you love and do all the extra steps. $100,000 isn’t going to do that for you.”

Contact Information:

Josh Clemence and Wade Clark can be reached at: https://www.clevelandvideocompany.com/about

Janet Maltbie can be reached at noloanzone.com/contact.

Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College. 

EP#41: Exploring Careers Online: Helpful Websites for Undecided Students.

No Loan Zone
No Loan Zone
EP#41: Exploring Careers Online: Helpful Websites for Undecided Students.
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View Full Video: https://noloanzone.com/exploring-careers-online/

Today on our program we discuss helpful websites students can use as they explore career options with Abby Kucbel, a Career Development Specialist from Lorain County Community College. She appeared as my guest speaker via WebEx for my totally online class, SDEV 103 Career Exploration and Life Planning. 

For nearly a decade, Abby has helped students and adults find jobs and careers through Ohio Means Jobs and currently through Career Services at LCCC at Lorain County Community College. 

Helpful Career Links:  

Onet: https://www.onetonline.org/

Career Coach: https://www.lorainccc.edu/career-services/choose-a-career/

MyPlan: https://www.lorainccc.edu/career-services/myplan/

A Day in the Life of a Graphic Designer: https://www.youtube.com/watch?v=N79ukBM4dWY

Choosing a college major and the right career fit for you can be stressful. Many start a degree but don’t finish because they haven’t found the right career fit for them. Don’t go it alone. 

Contact Information:

Abby Kucbel can be reached at Lorain County Community College: https://www.lorainccc.edu/career-services/

Janet Maltbie can be reached at noloanzone.com/contact. Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College. 

EP#40: Top College Loan Mistakes Students and Parents Make.

No Loan Zone
No Loan Zone
EP#40: Top College Loan Mistakes Students and Parents Make.
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Today on our program we discuss top college loan mistakes students and parents make. We’ll be basing our discussion on a recent Wall Street Journal article entitled: 

The Four Mistakes Students and Parents Make When Getting Student Loans.

https://www.wsj.com/articles/student-loan-mistakes-students-parents-college-11665175405?st=xyhw3a2vgdesgt2&reflink=desktopwebshare_permalink

 We’ll be discussing the first two mistakes; not adequately exploring debt alternatives and taking on too much debt. You’ll meet Zarai Aquino who found a way to avoid debt  altogether and her sister, Betsey Ramos who didn’t. 

We’ll end our discussion with our financial expert, Joe Flinner of Landing Point Financial Group who discusses general loan payment guidelines experts recommend students can typically take on after they graduate from college. 

Interested in finding ways for students to complete a degree, debt free. Begin that no loan zone journey today. The No Loan Zone host, Janet Maltbie meets with students individually and teaches a totally online class called Career Exploration and Life Planning through Lorain County Community College, SDEV 103. 

For more information contact Janet Maltbie at noloanzone.com/contact.

EP#39: The Right Answer to the $10,000 Student Loan Forgiveness Question.

No Loan Zone
No Loan Zone
EP#39: The Right Answer to the $10,000 Student Loan Forgiveness Question.
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Today on our program, we talk with several college graduates: Rebecca Urry, Tommy Nickel, Kyle Nickel, as well as a current student, Reanna Urry, about the $10,000 college loan forgiveness program. 

Is it fair? What kind of impact will this have on them and the people who will eventually pay for the program. What is the right answer to this dilemma, many fear will cost the American taxpayer $1 Trillion. This podcast explores the answer to those questions and more.

Interested in finding ways for students to complete a degree, debt free? Begin a no loan zone journey today. The No Loan Zone host, Janet Maltbie meets with students individually and teaches a totally online class called Career Exploration and Life Planning through Lorain County Community College, SDEV 103. 

For more information contact Janet Maltbie at noloanzone.com/contact.

EP#38: Freshmans Take a Financial Literacy Class. Your Kids Should too.

No Loan Zone
No Loan Zone
EP#38: Freshmans Take a Financial Literacy Class. Your Kids Should too.
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Helping your child preparing and pay for college can be a daunting task. Start early by having conversations with your child about the new financial literacy requirement for all incoming freshman in the state of Ohio. In this podcast, we discuss with instructor Rob Schofield and two high school freshman, Kelly Kotyk and Nathan Lamb about their recent experience with the new financial literacy class they completed this summer at Avon Lake High school. 

How can you help your child prepare adequately for one of the most important financial decisions they will make in their life? Going to college is expensive but is it right for you or your child? There are many ways to explore careers that doesn’t involve going into debt. If you’re child is unsure about their career direction and want more information about how to complete a degree, debt free and find a career that fits your personality, interests and skills, reach out to the No Loan Zone host, Janet Maltbie at noloanzone.com/contact.