Tag: college loans

Podcast #87 Choosing Alaska over Debp, Podcasts

EP#87: Choosing Alaska Over Student Debt: Camden’s Journey to Financial Freedom

Janet Maltbie
Camden’s view from his room in Alaska

Summary:

I’ve got a fresh story on the horizon for you this week. In this episode, I catch up with Camden Chernisky, a 24-year-old Clevelander who traded indecisive college days and student debt for an adventurous summer as a supervisor at Princess Tours in Alaska.

Camden’s story is a must-listen for anyone contemplating student loans or debating the next step after high school.

Here’s what you’ll discover in this episode:

· Camden’s Big Leap: He left college when he realized he didn’t know what he truly wanted to do—and didn’t want to waste time or rack up debt figuring it out. Instead, he’s working in Alaska, paying down his loans and taking in some seriously stunning mountain views.

· Alaska Job Perks: Not only does Camden save money (no rent to pay!), but he’s living in a cultural melting pot with coworkers from all around the world and gets to hike, explore nature, and even plans to cash in on a post-season cruise for free!

· Real-World Advice for Students: Camden urges high school seniors to “make sure you know what you want to do” before going to college. If you’re unsure, there are plenty of exciting opportunities out there—just like Alaska!

Plus, Camden shares some fun details—like hoping to spot bears (so far, just some close calls), adjusting to life without his dog Onyx, and his plans for next summer. Spoiler: He’s already looking forward to coming back for another Alaskan adventure!

P.S. Got thoughts or questions about alternative paths to paying off student loans? Add a comment—we love hearing from you!

Connect with Janet Maltbie:

Podcast #71: Strategies for Completing a Degree, Podcasts

EP#71: Strategies for Completing a Degree Debt-Free.

Janet Maltbie

Photo by krakenimages on Unsplash

Transcript

The No Loan Zone podcast encourages finding ways to completing a degree without going into debt. In this episode, you will hear from Capri, a high school student pursuing an associate’s degree and Alex, a police officer pursuing a degree with tuition being paid for by his employer, the city of Elyria. 

Additionally, LCCC staff member Sarah Hudson shares the challenges that students face while in school and tips for completing a degree without debt such as talking to an advisor and making sure your have a clear career goal.

Highlights:

Starting early is key to achieving a debt-free degree. High school is an ideal time to begin planning for college. Taking the right classes and getting good grades can open up opportunities for scholarships and grants. It is also important to explore career options and to understand the labor market. This will help the student make an informed decision about what college to attend and what degree to pursue. 

Employers can also be a great resource for tuition assistance. Many companies have programs that provide tuition assistance for employees. It is also important to research and apply for grants. Grants are a great way to pay for college without taking on debt. Applying for the FAFSA is key: https://studentaid.gov/

Finally, it is important to ask for help when needed. College can be confusing and overwhelming. It is important to reach out to professors and advisors for guidance. They are there to help and can provide advice and assistance. It is also important to understand the terminology associated with college and to not be embarrassed to ask questions. 

Completing a degree without going into debt is possible with the right planning and preparation. Starting early is key to achieving a debt-free degree and taking advantage of scholarship and grant opportunities. It is also important to have a connection with someone on campus to help guide the student through the process. Finally, it is important to ask for help when needed and to not be embarrassed to ask questions. 

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#44: Strategies for Completing a Degree Debt-Free.

No Loan Zone Logo
No Loan Zone
EP#44: Strategies for Completing a Degree Debt-Free.
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The No Loan Zone podcast encourages finding ways to completing a degree without going into debt. In this episode, you will hear from Capri, a high school student pursuing an associate’s degree and Alex, a police officer pursuing a degree with tuition being paid for by his employer, the city of Elyria. 

Additionally, LCCC staff member Sarah Hudson shares the challenges that students face while in school and tips for completing a degree without debt such as talking to an advisor and making sure your have a clear career goal.

Highlights:

Starting early is key to achieving a debt-free degree. High school is an ideal time to begin planning for college. Taking the right classes and getting good grades can open up opportunities for scholarships and grants. It is also important to explore career options and to understand the labor market. This will help the student make an informed decision about what college to attend and what degree to pursue. 

Employers can also be a great resource for tuition assistance. Many companies have programs that provide tuition assistance for employees. It is also important to research and apply for grants. Grants are a great way to pay for college without taking on debt. Applying for the FAFSA is key: https://studentaid.gov/

Finally, it is important to ask for help when needed. College can be confusing and overwhelming. It is important to reach out to professors and advisors for guidance. They are there to help and can provide advice and assistance. It is also important to understand the terminology associated with college and to not be embarrassed to ask questions. 

Completing a degree without going into debt is possible with the right planning and preparation. Starting early is key to achieving a debt-free degree and taking advantage of scholarship and grant opportunities. It is also important to have a connection with someone on campus to help guide the student through the process. Finally, it is important to ask for help when needed and to not be embarrassed to ask questions. 

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. 

Podcast #70: Betting on College, Podcasts

EP#70: Making Wise Career Choices: Betting on College and Your Future.

Janet Maltbie

Cover photo of the book, The Biggest Bet.

Transcript

Today on our program we discuss betting on college and how to make wise career choices based on our options, research and the facts before us. This podcast is based on the issues raised in the book, The Biggest Bluff by Maria Konnikova.

Research before betting on college.

Betting on college is a huge decision that can have a lasting impact on a person’s financial future. It is important to do research and make wise choices before making this bet. By researching the facts and understanding the options, students and their families can make an informed decision about college.

Maria Konnikova, author of The Biggest Bluff, has done extensive research on how people bet. In her book, she ran betting experiments with students using real money. She found that people tend to overestimate the degree of control they have over events. Even smart people who should know better make decisions based on limited information. Unfortunately, many people make decisions based on their emotions rather than facts and research.

Konnikova’s main message is to pay attention and look at things as they are. Students must do their homework and research the college they are considering. They must look at the hard numbers and understand their own skills and abilities and their chances of success. It is important to look at the labor market realities and make an informed decision.

Online Career Planning Class Offered at LCCC:

  • SDEV 103 Career Exploration and Life Planning (W101)
  • Instructor: Janet Maltbie
  • Online 8 week course begins January 17, 2023
  • Offered through Lorain County Community College
  • Sign up today

Janet Maltbie, a career counselor and host of the No Loan Zone podcast, teaches an online career exploration class at Lorain County Community College. This class gives students a chance to do research and look into their options before they make a decision. It is important to understand the cost of college, the chances of graduating, and the return on investment. The numbers can be daunting. According to Maltbie, only 17% of students graduated with a degree from Lorain County Community College in 2016.

Betting on college is a big decision. It is important to research the facts and make an informed decision. By understanding the cost, the chances of success, and the return on investment, students and their families can make a wise decision about college.

 Making smart decisions in high school, college, and beyond is an important part of life. The No Loan Zone podcast on radiowannabe.com provides valuable information and advice on how to make informed decisions about college and beyond. Reach out to Janet Maltbie today.

Contact Information:

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

EP#43: Making Wise Career Choices: Betting on College and Your Future.

No Loan Zone Logo
No Loan Zone
EP#43: Making Wise Career Choices: Betting on College and Your Future.
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/

Today on our program we discuss betting on college and how to make wise career choices based on our options, research and the facts before us. This podcast is based on the issues raised in the book, The Biggest Bluff by Maria Konnikova.

Research before betting on college.

Betting on college is a huge decision that can have a lasting impact on a person’s financial future. It is important to do research and make wise choices before making this bet. By researching the facts and understanding the options, students and their families can make an informed decision about college.

Maria Konnikova, author of The Biggest Bluff, has done extensive research on how people bet. In her book, she ran betting experiments with students using real money. She found that people tend to overestimate the degree of control they have over events. Even smart people who should know better make decisions based on limited information. Unfortunately, many people make decisions based on their emotions rather than facts and research.

Konnikova’s main message is to pay attention and look at things as they are. Students must do their homework and research the college they are considering. They must look at the hard numbers and understand their own skills and abilities and their chances of success. It is important to look at the labor market realities and make an informed decision.

Online Career Planning Class Offered at LCCC:

  • SDEV 103 Career Exploration and Life Planning (W101)
  • Instructor: Janet Maltbie
  • Online 8 week course begins January 17, 2023
  • Offered through Lorain County Community College
  • Sign up today

Janet Maltbie, a career counselor and host of the No Loan Zone podcast, teaches an online career exploration class at Lorain County Community College. This class gives students a chance to do research and look into their options before they make a decision. It is important to understand the cost of college, the chances of graduating, and the return on investment. The numbers can be daunting. According to Maltbie, only 17% of students graduated with a degree from Lorain County Community College in 2016.

Betting on college is a big decision. It is important to research the facts and make an informed decision. By understanding the cost, the chances of success, and the return on investment, students and their families can make a wise decision about college.

 Making smart decisions in high school, college, and beyond is an important part of life. The No Loan Zone podcast on radiowannabe.com provides valuable information and advice on how to make informed decisions about college and beyond. Reach out to Janet Maltbie today.

Contact Information:

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