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My One Year Student Loan Payoff Update

  January 28, 2022 marked my one year anniversary of paying off my student loans . Reflecting back on choosing to pay off my student loans leaves me with several take a ways that I want to share with you! In September 2020 I decided to become debt free by utilizing the debt snowball method to pay off all my debt. Before this I had struggled to save and really understand basic financial principles. As a first-generation college student, I received a scholarship to attend undergrad for free, but the scholarship did not cover summers. During the summers I took out student loans to cover costs without paying interest rates or how much I was taking out. By the end of undergrad I had amassed a little under $17K. Fast forward to graduate school I received another scholarship that covered my education. At the time I was a teacher in a new very expensive city and I had missed the cutoff to have my paycheck last me throughout the summer. So, I decided to take out a loan for two summers to ...

Top 5 Tips for First Time College Students

  Last week my office hosted our very first summer camp for transition age youth with disabilities. Many of the students were away from home for the first time and had never been exposed to a college environment before. The aim of the camp was to provide the students with an introduction to college life to assist them in their transition from high school to college. The students had a great time and so did our office. But that got me to thinking on what would I recommend for first time college students. As a first generation college student myself there were so many things that I didn’t know and I wanted to make sure our campers would be better prepared than I was. Take a look at my top five giveaways for first year students: 1.       Advocacy Many times students are so used to their parents doing everything for them that when they get to college and staff cannot event speak to their parents without consent they are like fish out of water. Things do not...

Balancing Being a Doctoral Student and Working Full Time is HARDT!

  Balancing schoolwork and working full time can truly be a task. As someone who works fulltime and is working towards a doctoral degree, I feel like I have mastered the art of being a student. This past week as I was working on an assignment I began to beat myself up a little about not utilizing the long holiday weekend to complete a few discussion posts. This started me to think about how I stay organized between work and school.     Figure 1: This is a thumbnail of my latest YouTube video “Balancing Doctoral Life & Full Time Work” where I am sitting at my desk looking at the camera. I am wearing a black shirt with my arms folded.   The first key is organization. My planner sets the framework for this. It helps me to stay on top of things and plan long assignments.  I also organize my syllabi in a binder or keep them within eye view so that I am always aware of upcoming assignments. Figure 2: This is a planner with two sticky notes, a pen, tape, and note...

I Got My Summer Refund Check!

  It’s my favorite time of the semester you know the one where free money is involved?! My semester started a week ago and my refund posted shortly after. If you’ve been reading my blog or watching my YouTube channel, then you know I am a champion for scholarships and free money. This past year my employer decided to pay for doctoral degrees in full which greatly assisted in my debt free journey. Figure 1: This is a thumbnail of my latest YouTube video “I Got My Summer Refund Check” where I am sitting in my office with my hand under my chin with a smile while looking at the camera. Although my schooling is paid for, I still have several scholarships that provide some overage. My goal is to not only obtain my doctorate degree for free but to make money while doing it! This summer I received two scholarships for $500 each for a total of $1000! One scholarship was given to me by the university without me having to apply while the other is for my work with a local community college. ...

2022 New Scholarship Search Engine

  A few weeks ago, I spoke with a librarian about a summer camp that our office is hosting. During our conversation she introduced me to a new scholarship engine that I knew nothing about. The best thing about this scholarship resource is that it is free and for graduate students too! So, let’s get into the details! Figure 1: This is a photo of my latest YouTube video "2022 New Scholarship Search Engine" where I am smiling and looking at the camera while seated in my office. Gale Peterson’s Test Prep offers materials for exam preparation, assessments, eBooks, and scholarships. This resource can be found at your school’s library (try the public library too) in the database section located on your school’s website. If you are unsure on where to look then consult with a librarian who will be able to tell you more.    Figure 2: This is a photo of the Gale Peterson’s Test Prep logo.   Once you log into GPTP: 1.        Scroll down to “Find a S...

Another Student Loan Debt Update from Mr. Biden

  Alright guys, I’m back with another student loan forgiveness update but this time it sounds like we may be on to something here! Several reputable reports have stated that Mr. Biden will be making an announcement soon regarding widespread student loan forgiveness. If you remember during the Biden Administration’s campaign trail there was much talk about forgiving $10K in student loan debt for all borrowers. Now, it seems like we may be at the doors of this actually happening! Figure 1:  This is a thumbnail of my latest YouTube video “Another Student Loan Update from Mr. Byron where I am resting my hand on my chin with a suspicious look on my face next to a photo of Joe Biden. Biden had planned to announce this last month but due to a trend of recent events in our country this was put on hold and rightfully so. Several sources are saying that Biden will announce the $10K in student loans that he previously promised to borrowers. However, there will be some restrictions. This ...

My End of Year Doctoral Horror Story

  Hey guys! Ms. Duggan is back! I know it’s been awhile since I updated my blog but as you know I was working in Italy as a mental health clinician on an archaeological dig site. Don’t worry you will get ALL the details later. I’m finally back at work and getting back to my normal busy life and things are going well so far. But around the time I got back into the swing of things I had a major doctoral catastrophe! (Figure 1: This is a thumbnail of my latest YouTube video “My Doctoral Horror Story” where I am looking at the camera with a terrified look.) While I was away, I was still enrolled in two courses that had been going pretty well. I actually finished one while I was in Italy and received an A in the course.   The other course had one last assignment due that I planned to finish once I got back to the states. However, to my surprise it was due while I was in Italy and I was totally not prepared to finish it. (Figure 2: This is a photo of Ms. Jay, an African American mal...

Get University Courses for Free!

  Did you know that some universities offer free courses? COVID really did a number on higher education with declining numbers and students choosing other pathways to success. As a result, colleges had to pivot to keep numbers afloat, so they did not lose funding. One of the ways they did this was by allowing students to take free courses. I’m not sure where the funding came from (it may have been HEERF Funding), but it was a great opportunity for students to get what they needed at zero cost. I'm sure many of our free college for all folks would argue that this should be a permanent  option.  Figure 1: This is a thumbnail of my latest YouTube video “Get University Courses for Free” where I am smiling with my hand under my chin. My hair is styled in long twists. Since the start of my doctoral program in August 2020 I have taken two free courses and will take another one in May. These courses have helped me to finish my coursework very quickly! While the first free course ...