EP#49: The Burden of College Loans: One Woman's Story
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On this episode of No Loan Zone, host Janet Maltbie brings on guest Kristyn Poltis to discuss the upcoming Supreme Court ruling on student loan forgiveness. Kristyn shares her own experience of taking out a student loan without fully understanding the impact it would have on her future. The discussion also covers strategies for making college more affordable, including choosing a lower-cost school or attending a career exploration boot camp. Listeners can learn more about the boot camp and other resources for debt-free degree completion by going to http://www.lifeworkcareerservices.com
EP#48: Beyond the Classroom: Top Books Every College Student Should Read.
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Summary:
What books would you recommend college students read? In this episode, Krista O’Neill, nationally honored Lorain County Community College advisor and Guided Pathways coach for the Success Center for Ohio Community Colleges talks with podcast host, Janet Maltbie about high impact books that help college students succeed.
Check out these top book recommendations from your local library:
Krista’s Favorites:
Poems by E.E. Cummings and Walt Whitman
Educated by Tara Westover
The Book of Joy by the Dalai lama and Desmond Tutu
How to Find Your Mission in Life by Richard Bolles
The 7 Habits of Highly Effective People by Stephen R. Covey
Building a Second Brain by Tiago Forte
The Pomodoro Technique by Francesco Cirillo
The Compound Effect by Darren Hardy
Atomic Habits by James Clear
The War of Art by Steven Pressfield
What Color is Your Parachute? by Richard Bolles
How to Win Friends and Influence People by Dale Carnegie
Highlights:
In this episode, Krista O’Neill shares her love for reading and how it can help students succeed outside the classroom. As an English major who loves poetry, O’Neill suggests that if someone has a short amount of time, they should read a poem because it can be impactful in a short period of time.
She also recommends the book “Educated” by Tara Westover, which emphasizes how privileged college students are to have the opportunity to learn and gain an education compared to people in other parts of the world.
She also discusses, “The Book of Joy” by the Dalai lama and Desmond Tutu as exemplars of empathy. She suggests the book encourages people to see the world from different points of view.
Finally, O’Neill likes, “What Color is Your Parachute?” by Richard Bolles, which helps students reflect on what they want out of a job and what is a good fit for them, considering factors like work values, skill set, and interests.
O’Neill advises students to always be learning, trying new things, and pushing themselves. She believes in continually improving skills by staying updated, attending webinars, and reading.
The podcast concludes by mentioning the top 10 book recommendations developed by podcast host, Janet Maltbie. Maltbie also encouraging students to seek out resources and support by enrolling in her online career exploration class, SDEV 103 Career Exploration and Life Planning through Lorain County Community College.
About Krista O’Neill:
Krista O’Neill has advised students for over 37 years at Lorain County Community College. In 1995, Krista was honored by the National Academic Advising Association as one of thirteen Outstanding Advisors nationally. In addition to her role at LCCC, Krista serves as a Guided Pathways coach for the Success Center for Ohio Community Colleges.
Janet is a professional career counselor in the state of Ohio with over 20 years experience helping students and people in transition make wise career choices. Her work has involved guiding students in the career and college planning process as an academic counselor at Lorain County Community College.
After 13 years at LCCC, Janet transitioned to an adjunct faculty position, exclusively teaching a Career Exploration and Life Planning class and meeting with clients individually while pursuing her work as the founder and host of the No Loan Zone podcast.
EP#47: Internship Opportunities: Your Ticket to Real-World Experience and a Professional Network.
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Podcast Summary:
Are you ready to take your college experience to the next level? In this podcast, Janet Maltbie, a career counselor, discuss the benefits of completing an internship with her guest, Marcia Jones, the Career Services Manager at Lorain County Community College.
Maltbie outlines the advantages of internships, including gaining real-world experience, building a professional network, developing professional skills, and improving a resume.
Jones explains that students can access their Career Services through a platform called Handshake, where they can schedule appointments, develop resumes, and explore job or internship opportunities related to their career pathway.
Highlights:
In the latest episode of No Loan Zone, we explore internship resources offered by Lorain County Community College’s Career Services department. Here are the 4 key takeaways from this episode:
Lorain County Community College provides students with the support they need for career prep, decision making, internships, and job opportunities. You can connect with them either in person or virtually using Handshake, the college’s job and internship platform.
Janet highlights the importance of internships and lists four reasons why they are beneficial: real-world experience, building professional networks, demonstrating professional skills, and improving resumes.
At LCCC, each student has a career development specialist who works specifically with their career pathway and can be selected through Handshake or by calling Career Services at 440-366-4076.
Janet is an experienced career counselor with a passion for helping students and adults pursue smart career choices and debt-free living. She teaches an online class on career exploration and life planning through LCCC.
About the Marcia Jones:
Marcia Jones is the Career Services Manager at Lorain County Community College. For nearly 20 years, Marcia has helped students learn about careers, and how to link their education to job experiences, so they can launch from a job into a meaningful career. She is passionate about helping students to learn about careers and how to link their education to experience to both leverage and launch their career.
Janet is a professional career counselor in the state of Ohio with over 20 years experience helping students and people in transition make wise career choices. Her work has involved guiding students in the career and college planning process as an academic counselor at Lorain County Community College.
After 13 years at LCCC, Janet transitioned to an adjunct faculty position, exclusively teaching a Career Exploration and Life Planning class and meeting with clients individually while pursuing her work as the founder and host of the No Loan Zone podcast.
EP#46: The Supreme Court Ruling on Student Loan Forgiveness and What it Means for Borrowers.
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Today on the the No Loan Zone podcast, Janet Maltbie discusses the Supreme Court ruling on the student loan forgiveness program that will affect over 40 million borrowers. Regardless of the ruling, borrowers will need to start paying back their loans after a 3-year pause.
Highlights:
The Supreme Court will decide if President Biden’s loan forgiveness program will move forward.
Under the President’s plan, eligible borrowers may be forgiven between $10-20,000, depending on income and Pell Grant eligibility.
The average student loan debt is $40,000, so borrowers will still have to pay back a significant amount even if most of their loan is forgiven
The Court is expected to rule on the matter by June, if they decide to rule on the merits of the case.
Borrowers need to prepare to start paying back their loans immediately if the court rules in the Biden Administration’s favor and the program is not blocked by the court.
Conclusion:
The No Loan Zone podcast is committed to helping students complete their degree debt-free.
Filling out the FAFSA is one way to start on a debt-free degree. Find it on www.studentaid.gov.
Choosing a career or college major that fits your interests, skills, personality, and values is essential to finding success at school, at work and in life.
Contact Information:
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#45: The Peeps Guy: A Life of Career Changes and Joyful Candies.
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Summary:
Bob Born recently passed away, leaving behind a legacy of marshmallow Peeps. On the No Loan Zone podcast, Janet Maltbie breaks from her normal routine to pay tribute to Bob. She recounts his journey, from engineering physics to the Navy to the candy-making business. Janet encourages her students and others to not worry about the future and know that one’s career will likely not stay the same throughout their lives.
Highlights:
It can be difficult to decide what to do with your life, and it can be even more difficult to make sure you’re making the right decision. It’s important to explore career options wisely, and to ensure that you’re making a decision that will bring you joy and satisfaction. One person who did just that was was Bob Born. He’s the Peeps guy who passed away on January 29, 2023, at the age of 98 according to a recent Wall Street Journal article. This man brought joy to this world through a tiny, lovable product, the marshmallow peeps. May he rest in peace.This man brought joy to this world through a tiny, lovable product, the marshmallow peeps. May he rest in peace.
Bob had a fascinating life, beginning with an education in engineering physics and a stint in the Navy as a radar specialist. He was even planning to go to medical school, but instead found a love for tinkering with production machinery. In 1953 his family took over the Roddy Candy Company in Bethlehem, Pennsylvania. Then Bob that took over the company when his father passed away in 1959. It was there that he streamlined the company and produced, among other things, the famous Peeps product.
Bob’s story is an example of how exploring career options wisely can lead to success and satisfaction. He didn’t stick to one career path, instead meandered through several different jobs and careers before settling in on the candy-making business. His education and training had nothing to do with becoming a businessman, but it was still important and not a waste of time. He just applied it in the candy-making business.
This is why I tell the students in my career exploration class that they shouldn’t worry about deciding what they’ll do for the rest of their lives, because they won’t have the same job or career over time. It’s important to explore career options wisely, and to make sure that you’re making a decision that will bring you joy and satisfaction. It’s also important to remember that you don’t have to stick to one path.
In today’s labor market you will meander through several different jobs and careers. It is common for people to try new things, grow into new fields and experiment before settling in on something that brings them joy. Careers evolve and so do people.
Contact Information:
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.
