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Choosing whether to attend college is a pivotal moment in any high school student's life. It is a decision that can shape their future, determine their career path, and provide them with the necessary skills and knowledge to succeed in their chosen field. However, in a new study, the Education Advisory Board noted that nearly one-third (28%) of high school students cite mental health concerns as a reason they may choose to delay enrollment or opt out of college entirely. We have multiple experts here at the University of Delaware who can provide context to this phenomenon and talk about what could potentially be done to address the issues. Leigh McLean can speak primarily about teacher well being and she can also address student well being in the course of her research. Roderick Carey can speak about Black and Latinx students and their struggles with this decision. Broken down even further, 54% of trans students, 53% of nonbinary students, 33% of Black students, 30% of Native Americans and 30% of female students said this was their thinking. Nearly half (48%) of the students survey said "stress and anxiety overshadow their college search and planning." McLean and Carey have both been featured in multiple outlets including the Associated Press, Education Week and Chalkbeat. They can be reached by clicking their profiles.
Employers who don’t step up to help with workplace supports may make informal caregiving ‘an even tougher role,’ Baylor University researcher says (Image credit: iStockphoto) People who care for their parents outside of their full-time jobs — and are unpaid for their help — experience considerable disruption of their workplace routines. Many are not getting employer support because it is not offered or because they do not feel able to use it, even if it is available, according to a Baylor University researcher. “A big and overwhelming consequence of America’s aging population is that so-called sandwiched caregivers, typically middle-aged, are caring for ailing parents while trying to work full-time and raise their own children,” said Matthew A. Andersson, Ph.D., assistant professor of sociology in Baylor University’s College of Arts & Sciences. “It’s no wonder we see such high rates of work interruption among caregivers. “But what’s particularly troubling — and what’s new in this study — is that employees who are experiencing work interruption are much more likely to say they have unmet need for workplace support than those who manage to keep working at the same pace,” he said. “This tells us that employers may not be stepping up to connect informal caregivers with workplace supports they need. That makes informal caregiving an even tougher role.” About three fourths of informal (unpaid) caregivers have at least a mild interference, such as working partial rather than full days, and about one quarter express an unmet need for workplace support, Andersson said. “That means they need help from one of six potentially useful workplace programs we looked into — such as eldercare referral or financial counseling. Yet they’re still not getting that help, even if their employer provides access to it.” The study — “Strapped for Time or Stressed Out? Predictors of Work Interruption and Unmet Need for Workplace Support Among Informal Elder Caregivers” — is published in the Journal of Aging and Health. About one in four employed U.S. adults provides informal care for a parent, in-law or other family member older than 65, according to the United States Census Bureau. This number is projected to grow as the population continues to age and as many continue to live into their 80s or beyond. Researchers from Baylor, Louisiana State University and the University of Iowa analyzed data from 642 individuals at a large public university who were informal caregivers for anyone 65 or older, often parents, spouses or friends. Unmet needs for caregiving support are about twice as common among employees whose work is interrupted, suggesting a strong link between unmet needs and lapsed work performance, researchers said. Those interruptions ranged from mild ones, such as adjusting work hours, to more severe ones, such as moving from a full- to a part-time job position to taking a leave of absence or even early retirement. While the study focused on the association between unmet needs for workplace support and work disruption among informal elder caregivers, researchers also examined how much unmet needs and work interruptions are linked to such factors as caregivers’ personal or job characteristics; their physical and psychological well-being; and the caregiving particular situations, including time weekly, necessary travel, number of individuals assisted and their health conditions — among them physical limitations, independence issues, chronic conditions and mental illness or cognitive impairment. Among their findings: Nearly three-fourths of the informal caregivers experience mild or severe work interruption. More than half of those who serve as caregivers 10 or more hours weekly reported severe interruption of work. More than 40 percent of caregivers reported being involved in caregiving 10 or more hours weekly; most care-providing (60 percent) took place within the household or less than 30 minutes away. While caring for one family member was most common (68 percent), a sizeable number oversaw two or three. Most (70 percent) assisted individuals with chronic health conditions; 80 percent cared for people with physical limitations. Caregivers with several work interruptions were especially likely to care for those with mental illness or cognitive impairment. “We know that informal caregiving is becoming more common and more complicated due to the multiple health conditions of care recipients and the all-too-familiar work-family conflict,” Andersson said. “First, we need to do more research not just on individual caregivers but on caregiving networks,” he said. “Because informal caregiving can be so difficult and time-consuming, it’s usually too much to ask of one person. It’s not uncommon for multiple family members to get involved. “Second, we need to get employers more involved in the reality of this pressing situation. This study examined the unmet needs of caregivers in a large workplace where these supports are, in theory, available to everyone. Yet, caregivers weren’t taking advantage — even when they thought they should be.” To combat that, “supervisors should see their power for what it is: they shape culture more than they realize,” Andersson said. “Work teams should be structured so that absences can be taken in stride when family duties are pressing. This places a burden on supervisors to model how long-term success involves, first and foremost, taking care of yourself and your family.” Employee training should involve clarity and communication about available supports and how to use them. “Using them should not be a source of guilt,” Andersson said. “And it definitely does not mean an employee is not valuable or productive.” Previous research has found that workers who care for the elderly have more stress, decreased health, more work-family conflict, greater financial burdens, strained relations with co-workers and diminished self-esteem. Additional duties may lead to lost productivity as well as missed training opportunities or diminished job skills. All those issues are concerns for employers wanting to retain and invest in employees. *The study was supported by the TIAA-CREF Institute. The University of Iowa, Iowa Center on Aging and Iowa Social Science Research Center provided additional support. Program on Aging seminar participants at Yale School of Medicine provided feedback. Co-researchers were Mark H. Walker, Ph.D., Louisiana State University; and Brian P. Kaskie, Ph.D., The University of Iowa College of Public Health.*
Countdown To the Big Game: Dr. Tyrha’s Top Five Super Bowl Commercials for the Past Five Years
Advertising executive and multicultural media expert Tyrha M. Lindsey-Warren, Ph.D., clinical assistant professor of marketing at Baylor University's Hankamer School of Business, , is a sought-after media commentator on the brands who win big during the game's commercial breaks. Commercials always are the most anticipated and talked-about aspect of the Super Bowl, but the expanding digital landscape requires advertisers to use more authentic and nuanced strategies to reach consumers. Advertising executive and multicultural media expert Tyrha M. Lindsey-Warren, Ph.D., clinical assistant professor of marketing at Baylor University’s Hankamer School of Business, is a sought-after media commentator on the brands who win big during the game’s commercial breaks. How do companies break through the noise and make a lasting impression on viewers? Lindsey-Warren – or Dr. Tyrha, as she is known – says the key is empowered storytelling. As a consumer behavior scholar, Dr. Lindsey-Warren’s research is rooted in narrative transportation theory – in other words, storytelling – that exudes the emotion of empowerment and its impact on consumer attitudes, behaviors, purchase intention and message recall. “There is a growing space for cleverly crafted and positive storytelling that can break through the clutter and competition and get the attention of Millennials, Gen Z and Alpha generations in an authentic and meaningful manner,” Lindsey-Warren said. At the top of every year, Dr. Tyrha always enjoys exposing the juniors and seniors in her advertising class to the joys of storytelling in advertising by way of the Super Bowl commercials. By leveraging the Super Bowl as an “edutaining” entry point for student learning, Dr. Lindsey-Warren finds it to be a fun and wonderful way to bring many advertising lessons to life for her students, including branding, consumer targeting and segmentation, social media campaign analysis, and more. To that end, here are Dr. Tyrha Lindsey-Warren’s top picks for the best Super Bowl commercials over the past five years. COUNTDOWN TO THE SUPER BOWL: DR. TYRHA’S TOP 5 SUPER BOWL COMMERCIALS FOR THE PAST 5 YEARS #5: Company/Brand: AMAZON Title of the commercial: “#BeforeAlexa” (With Ellen Degeneres and Portia de Rossi) Year it ran in the Super Bowl: 2020 Link to the commercial: https://www.youtube.com/watch?v=PLUwmnPJIGk Ad Agency that produced the commercial: Droga5 Dr. Tyrha’s rationale as to why this ad is so good: In my opinion, this was a wonderfully creative and clever introduction of the Alexa product by Amazon. The nostalgic storytelling in the spot humorously does make you wonder and realize how “did” we all live “before Alexa?” The commercial is multigenerational, incorporates women extremely well, and is so funny! #4. Company/Brand: NFL Title of the commercial: “Bring Down the House!” Year it ran in the Super Bowl: 2022 Link to the commercial: https://www.youtube.com/watch?v=8PhfMtZce1k Ad Agency that produced the commercial: Co-directed by Peter Berg of Film 47 and Arthur Mintz of Swaybox Studios Dr. Tyrha’s rationale as to why this ad is so good: In 2022, the NFL creatively leveraged the power of animation to get our attention with this wonderfully told story with children as the lead Talent and set in a situation that all families can relate to! The spot is so much fun and keeps you guessing as well as laughing with Grandma saving the day in the end. The commercial is multigenerational, multicultural, and incorporates women and girls extremely well. #3. Company/Brand: MOUNTAIN DEW & DORITOS (OWNED BY PEPSICO) Title of the commercial: “Doritos Blaze vs. Mountain Dew Ice” (with Morgan Freeman and Peter Dinklage) Year it ran in the Super Bowl: 2018 Link to the commercial: https://www.youtube.com/watch?v=C2tyVjEuqcY Ad Agency that produced the commercial: Goodby, Silverstein & Partners Dr. Tyrha’s rationale as to why this ad is so good: The “in your face” storytelling of this commercial – performed exquisitely by acclaimed actors, Peter Dinklage and Morgan Freeman, and accompanied by the perfect voiceover narrators in Rappers Missy Elliot and Busta Rhymes – is so much fun and truly unforgettable! The commercial also cleverly makes you pay attention to the presentation of the products being promoted as well as compels you to wonder as to “when did you last have a Mountain Dew and some Doritos?” This commercial is multicultural, multigenerational, multibodied, and incorporates women well and UBER memorable! #2. Company/Brand: NFL Title of the commercial: “The 100-Year Game” Year it ran in the Super Bowl: 2020 Link to the commercial: https://www.youtube.com/watch?v=tJjiIuH1VnY Ad Agency that produced the commercial: 72 and Sunny Dr. Tyrha’s rationale as to why this ad is so good: If you love the game of football, you have to love this ad that celebrates the fun and contagious spirit of the game. Truly, this commercial has something for everyone who loves the game of football! The unassuming opening of the ad’s storytelling set at an awards banquet and led by NFL Commissioner Roger Goodell quickly evolves into a fun and rambunctious game of football with NFL players of all ages in their tuxedos destroying the ballroom with their play. The musical hip-hop soundtrack alone for the spot is amazing, current, and supports the action of the storytelling extremely well. This spot is multigenerational, incredibly diverse in age ethnicity and more, as well as weaves women and girls into the spot ever so cleverly. A truly memorable ad and so much fun! #1. Company/Brand: Mr. Clean (OWNED BY P&G) Title of the commercial: “Cleaner Of Your Dreams” Year it ran in the Super Bowl: 2018 Link to the commercial: https://www.youtube.com/watch?v=ozuWoZITX3Y Ad Agency that produced the commercial: Leo Burnett Dr. Tyrha’s rationale as to why this ad is so good: Every year I show this commercial to my Advertising students at Baylor University and they absolutely LOVE this ad! The storytelling of this commercial leverages the animated Mr. Clean in such a clever manner, while showing the product benefits at the same time, and not being “in your face” with the product’s selling proposition. The music and the dancing accompaniment to the storytelling all help to bring an emotional connection to the viewer, especially the female audience. Plus, the spot is just super funny and so much fun! Every time I see this ad, I want to run and buy Mr. Clean. And, I tell my female students every year that when they get older, they are going to LOVE a man who can clean a house!!!! Additionally, this was an incredibly smart move by P&G to put this ad in the Super Bowl. This is due to the fact that the “current and future market power of women – as a whole and by segments – is undeniable and truly cannot be ignored by marketers, especially the NFL.” Today, women influence more than 80% of all consumer spending; 89% of the financial decisions are made by women; and globally, women control more than $20 trillion in worldwide spending. In addition, nearly 24.3 million African American women are brand loyalists and cultural trendsetters who have influence over the $1.2 trillion in Black spending power. And, Forbes reported in 2018 that “women constituted about 49 % of the 108 million-plus people who watched” that year’s Super Bowl – and they paid closer attention to the ads!
Sept. 25 is National Daughters Day, celebrating adult daughters often overlooked for their role in relationship with parents National Daughters Day is Sept. 25, an oft-overlooked holiday that has been around since 1932. But much like the holiday, adult daughters are often unnoticed for the important role they play in the lives of their parents. Allison M. Alford, Ph.D., clinical associate professor of business communication at Baylor University and co-host of the weekly podcast, “Hello Mother, Hello Daughter,” researches adult daughters and their “invisible labor” in maintaining the unity of a family. Adult daughters find themselves providing support, nurturing and much more in a socially and communicatively constructed, shaped and molded role that includes navigating, responding to and negotiating cultural and familial discourses. These behaviors occur throughout a daughter’s life and represent significant resources funneled toward her parents to maintain and nurture a relationship. Alford’s research on “daughtering” – the active way that daughters relate to and care for parents – is how she describes the work and effort that daughters provide their parents. “It’s that purposeful work that helps relationships flourish but often goes uncredited as work, even by daughters themselves, in part because the efforts are wrapped in misleading language and society hasn’t adopted a lexicon specifically for daughtering,” said Alford, who edited the book, “Constructing Motherhood and Daughterhood Across the Lifespan,” with research partner Michelle Miller-Day, Ph.D., of Chapman University in Orange County, California. Daughtering involves such “invisible labor” as planning and organizing family events, resolving conflicts, acting as a buffer with other family members, preparing for the future and more—with the intent of supporting important family relationships, Alford said. With dashes of “mental load” and “adulting,” thrown in the mix, adult children are engaging in effortful and intense relationship-building, from which they usually benefit in the form of familial support and love. Embracing National Daughters Day In recent years, social media has embraced National Daughters Day with parents posting loving tributes and sharing stories about their daughters, recognition that Alford encourages. “Adult daughters put a lot of effort into their families and recognizing their hard work with praise and affirmation shows that what they do matters. Every daughter would love to hear compliments on her daughtering,” Alford said, recommending that parents take time on Sept. 25 to acknowledge and thank their adult daughters for the care and time they give to the family. A few simple ways parents can acknowledge adult daughters: Call your daughter on the phone and tell her how much her efforts have meant to you, Create a social media tribute and share a picture of yourselves together over the years, Order takeout delivered to her house for dinner, or Call the grandkids and tell them a sweet story about their mom. Also on Sept. 25, Alford and Miller-Day will launch Season 2 of their weekly podcast, “Hello Mother, Hello Daughter,” which continues to explore what it means to be an adult daughter and how daughtering and mothering work together to create a harmonious family. This season, the hosts interview experts on adult mother-daughter relationship topics and share helpful resources that can enable positive family interactions. The podcast will be available everywhere you listen to podcasts. “Hello Mother, Hello Daughter” also is on social media on Instagram and Facebook.
A 'super' economic boost for the big game, courtesy of Taylor Swift
Could NFL executives have imagined a better scenario for this year’s Super Bowl? Only in their wildest dreams, according to UD sports marketing experts who study the big game every year. The league has a built-in audience draw and revenue generator named Taylor Swift, who will be in attendance Sunday to root on boyfriend Travis Kelce and his Kansas City Chiefs. The world’s biggest pop star can easily fill any blank space – and then some – caused by a lack of bad blood between the Chiefs and San Francisco 49ers or advertisements that don’t exude enough style. And the NFL didn’t have to spend a dime or lift a finger to make it happen. Timothy DeSchriver and John Allgood, who teach and study sports marketing at the University of Delaware’s Alfred Lerner College of Business and Economics, see a number of ways that Swift can move the needle economically for a league that seemingly needs no extra publicity. The female audience is already growing for the NFL, but Allgood said that Swift delivers “a fresher audience” as witnessed by record viewership for the Chiefs-Ravens AFC Championship Game. “There are people tuning in just to see her in a suite for five seconds,” Allgood said. Gamblers wagering on Taylor Swift “prop bets” will keep tuning in even if it’s a blowout, DeSchriver noted. DeSchriver pointed to new advertiser interest from makers of beauty products, potentially to reach the new audience. The NFL will get its cut from products as well, Allgood said, thanks to an NFL licensing deal with a clothing designer after Swift wore one of her puffer coats and the continued rise in sales of Kelce jerseys. DeSchriver and Allgood, who can also discuss ticket pricing in the playoffs, and are available for interviews. To set one up, visit DeSchriver's profile and click on the "contact" button.
The annual Healthy Georgia Report has been released by Augusta University’s Institute of Public and Preventive Health and it gives a snapshot of how Georgians stack up against not only neighboring states, but the country when it comes to a variety of health topics. This year’s report has added information on adult dental health, poor mental health, skin cancer and overdose deaths. Information on HIV risk behaviors, breast cancer screenings and colon cancer screenings have also returned. The report has been delivered to lawmakers, community leaders and researchers in Georgia to provide them with tangible figures on how Georgia is faring in numerous topics. The goal is to stimulate conversations about public health needs and, in turn, promote action, such as policy changes, greater community engagement and the appraisal of funds. Biplab Datta, PhD, assistant professor in the IPPH and the Department of Health Management, Economics and Policy, has collaborated with other IPPH faculty and staff to update the report. Datta has seen the impact this can have with state leaders. “They have a good appetite for data driven policy changes. I think this report actually helps them in that direction,” said Datta. “We tried to present data in a way that policy makers may find helpful in deciding on appropriate policy choices.” Overdose deaths is one of the new categories this year and is a hot topic nationwide. The report shows Georgia has the sixth lowest rate of overdose deaths in the country. Datta said that’s good, but the number is trending upwards and now should be the time to take steps to prevent it from getting worse. “We cannot be satisfied. We are doing a good job but need to be on our toes to prevent it from further ascending,” Datta said. Another category that Georgia is trending in a good direction is cigarette smoking. But the opposite is true for the obesity rate in the Peach State. The data shows Georgia has the 14th highest rate of obesity in all of the U.S. and the number is on the rise. The data also shows it’s related to household income and education. Adults who are below the federal poverty line and without a college degree are significantly more likely to be obese. Also, those in the 18-to-49 age group have a high rate of obesity compared to the national and regional average. “That is problematic because if someone is developing some cardiometabolic conditions in this age group, they will be at high risk for adverse cardiovascular events at an older age. So we need to focus on food habits, physical exercise, and other health promoting behaviors to prevent and control obesity,” Datta said. Another interesting topic is those in Georgia who have health insurance coverage. While coverage in adults is second lowest in the nation, there is a slight uptick in the number of people who have coverage from the past few years. The number is much better for children with health insurance. He points out that many state programs like PeachCare for Kids may account for the differences. Datta said one topic that definitely needs to be investigated more is cancer rates. He said we observe a low prevalence rate, despite the common perception and other data sources suggest a relatively higher incidence rate of cancer in Georgia. He believes we may be seeing lower survival rates that are not included in the survey. “I think we need more investigation into this particular issue,” said Datta. “Why are we seeing so low numbers of cancer prevalence when we know that cancer incidence rates are very high in Georgia?” The Healthy Georgia Report is the only report of its kind in the state Looking to know more or connect with Biplab Dhatta? Then let us help. Biplab is available to speak with media regarding this important topic. Simply click on his icon now to arrange an interview today.
Exploring the Depths: How AI is Revolutionizing Seafloor Research
In recent years, there has been a significant shift in the way seafloor research is conducted, all thanks to the groundbreaking advancements in artificial intelligence (AI) technology. The depths of our oceans have always been a mystery, but with the use of AI, scientists and researchers are now able to explore and uncover the hidden secrets that lie beneath the surface. With funding from the Department of Defense, University of Delaware oceanographer Art Trembanis and others are are using artificial intelligence and machine learning to analyze seafloor data from the Mid-Atlantic Ocean. The goal is to develop robust machine-learning methods that can accurately and reliably detect objects in seafloor data. “You can fire up your phone and type dog, boat or bow tie into a search engine, and it's going to search for and find all those things. Why? Because there are huge datasets of annotated images for that,” he said. “You don't have that same repository for things like subway car, mine, unexploded ordnance, pipeline, shipwreck, seafloor ripples, and we are working to develop just such a repository for seabed intelligence.” Trembanis is able to talk about this research and the impact it could have on our day to day lives. He can be contacted by clicking his profile. “You have commercial companies that are trying to track pipelines, thinking about where power cables will go or offshore wind farms, or figuring out where to find sand to put on our beaches,” said Trembanis. “All of this requires knowledge about the seafloor. Leveraging deep learning and AI and making it ubiquitous in its applications can serve many industries, audiences and agencies with the same methodology to help us go from complex data to actionable intelligence.” He has appeared in The Economic Times, Technical.ly and Gizmodo.
Questions are flying around about airplane safety
The Boeing Corporation is the recognized pioneer in aviation and aircraft manufacturing, but now significant quality control concerns are mounting in light of recent near disasters associated with Boeing's planes. David Primo, professor of political science and business administration at the University of Rochester, is available to tackle some of the regulatory, crisis management and reputational questions related to Boeing's recent safety problems, including: 1) This is just the latest in a string of black eyes for Boeing on safety. How badly will the company’s bottom line suffer as a result? 2) Has the company learned from how it handled the initial crisis with its MAX planes resulting from the fatal Lion Air and Ethiopian Airlines crashes? 3) What does the company need to do to prevent further damage to its reputation? 4) How will this change the nature of the relationship between Boeing and its main US regulator, the FAA?
Research: Add space salad to the risks astronauts face
University of Delaware researchers grew lettuce under conditions that imitated the weightless environment aboard the International Space Station and found those plants were actually more prone to infections from Salmonella. It’s been more than three years since the National Aeronautics and Space Administration made space-grown lettuce an item on the menu for astronauts aboard the International Space Station. Alongside their space diet staples of flour tortillas and powdered coffee, astronauts can munch on a salad, grown from control chambers aboard the ISS that account for the ideal temperature, amount of water and light that plants need to mature. But as the UD researchers discovered, there is a problem. The International Space Station has a lot of pathogenic bacteria and fungi. Many of these disease-causing microbes at the ISS are very aggressive and can easily colonize the tissue of lettuce and other plants. Once people eat lettuce that’s been overrun by E. coli or Salmonella, they can get sick. With billions of dollars poured into space exploration each year by NASA and private companies like SpaceX, some researchers are concerned that a foodborne illness outbreak aboard the International Space Station could derail a mission. In the new study by UD's team, published in Scientific Reports and in npj Microgravity, researchers grew lettuce in a weightless environment similar to that found at the International Space Station. Plants are masters of sensing gravity, and they use roots to find it. The plants grown at UD were exposed to simulated microgravity by rotation. The researchers found those plants under the manufactured microgravity were actually more prone to infections from Salmonella, a human pathogen. Stomata, the tiny pores in leaves and stems that plants use to breathe, normally close to defend a plant when it senses a stressor, like bacteria, nearby, said Noah Totsline, an alumnus of UD’s Department of Plant and Soil Sciences who finished his graduate program in December. When the researchers added bacteria to lettuce under their microgravity simulation, they found the leafy greens opened their stomata wide instead of closing them. “The fact that they were remaining open when we were presenting them with what would appear to be a stress was really unexpected,” Totsline said. Totsline, the lead author of both papers, worked with plant biology professor Harsh Bais as well as microbial food safety professor Kali Kniel and Chandran Sabanayagam of the Delaware Biotechnology Institute. The research team used a device called a clinostat to rotate plants at the speed of a rotisserie chicken on a spinner. “In effect, the plant would not know which way was up or down,” Totsline said. “We were kind of confusing their response to gravity.” Additionally, Bais and other UD researchers have shown the usage of a helper bacteria called B. subtilis UD1022 in promoting plant growth and fitness against pathogens or other stressors such as drought. They added the UD1022 to the microgravity simulation that on Earth can protect plants against Salmonella, thinking it might help the plants fend off Salmonella in microgravity. Instead, they found the bacterium actually failed to protect plants in space-like conditions, which could stem from the bacteria’s inability to trigger a biochemical response that would force a plant to close its stomata. “The failure of UD1022 to close stomata under simulated microgravity is both surprising and interesting and opens another can of worms,” Bais said. “I suspect the ability of UD1022 to negate the stomata closure under microgravity simulation may overwhelm the plant and make the plant and UD1022 unable to communicate with each other, helping Salmonella invade a plant.” To contact researchers from the team, visit the profiles for Bais or Kniel and click on the contact button.
Expert Help: Augusta University faculty offers financial advice for college students
The world of finances isn't always an easy one for students to navigate. Wendy Habegger, PhD, senior lecturer in the Hull College of Business, suggests several ways college students can improve their financial literacy, even after their collegiate career. Habegger said most don’t have a good grasp of what that is, despite being one of the most foundational building blocks to help students start off on the right foot. “They should know their credit scores just as quickly as their GPA and they should protect it just as vigorously,” Habegger said. She also suggests students have a credit card but with the caveat they use it wisely and be sure to pay their bills in a timely fashion. While they might like using cash, having a credit card will start to build a good credit history that they’ll likely need down the road. “The sooner they get started, the better they are of having good credit when they leave (college),” she added. When looking at their student loans, there are ways they can be better prepared when they start having to pay them back. During that deferral period, she suggests students really consider what a job may pay. Also, when selecting a payment plan for college loans, make sure it’s something they can make monthly payments on without any problems. She also said people need to think about public service jobs that may offer loan forgiveness or asking a potential employer about any loan forgiveness programs. “Some employers out there will offer some sort of that. The military is a good career and they are happy to be help pay off your student loans. Other businesses may offer that as well. It can be a good perk on both sides of the table, for the company and student looking for a first time job.” This is great advice and an important topic, so if you’re a reporter looking to know more, then let us help. Wendy Habegger is a respected finance expert available to offer advice on making the right money moves during volatile times. To arrange an interview, simply click on her icon now.
