College Connect

 

Students writing for the College Connect program speak from their own experience and direct their remarks to their peers. That’s the essence of College Connect — letting students connect to others through their experiences in handling and managing money and credit.  Student blog topics range from dealing with family financial crises, to how much outside employment a student should undertake during the academic year, to what should be done with leftover financial aid after tuition is paid. The blogs are on SABEW.org for professionals to see their work.  The project is funded by the Denver-based National Endowment for Financial Education (NEFE)

Read the latest stories

 

Navigating Housing and Renting Issues as a College Student

By Morgan Brown

Amari Tillman is a 19-year-old second-year undergraduate at the University of Georgia. Midway through her sophomore year, the safe path she had travelled by living on campus split in front of her. Should she finally leave the campus and dive into apartment life, or should she continue enjoying the benefits of living and studying in the same place? Read more…

Financial Planning and Millennials

By Steffenie Burns

Millennials have been criticized for being egocentric, easily distracted, unmotivated to work and frivolous with their finances. While some in the older generations may still believe such negative stereotypes about millennials, research has indicated otherwise about their financial habits. Read more…

College Students Should Start Building Credit Sooner Rather than Later

By Zachary Hansen

Going off to college creates a lot of new freedoms for the average student. With this increased independence also come extra responsibilities that weren’t present before. Among these, managing debt can be one of the most challenging. While the 2009 CARD Act banned issuing credit cards to anyone under 21, many students still end up with some form of credit card debt before graduation. According to a 2016 Experian study, about 30 percent of grads-to-be had an average balance of $2,573 in credit card debt. Read more…

Credit Cards: What Students Should Know

By Becky Burgess

Credit cards can be intimidating for students, especially since many of us don’t know how to manage and maintain them. For senior Sociology major Noga Baruch at the University of Georgia, a credit card was the first step for establishing credit before graduating college. But she said spending and paying back the money can prove difficult. Read more…

Student loans: Burden or Investment in the Future?

By Conner Burks

Do you, a relative or close friend have student loan debt? Chances are all three hold some outstanding student debt. Student loans are now the second biggest type of debt in America only behind mortgages, but eclipsing credit cards. According to Forbes, more than 44 million people in the U.S. have outstanding student loans totaling $1.3 trillion. The average student in the class of 2016 had $37,172 in student loan debt. Read more…

Millennials Cash In On Financial Apps, Highest Saving Generation

By Heather Bryan

Anything from shampoo to a treadmill can be purchased at the touch of a button on a smartphone. It only makes sense money can be managed the same way through an increasing array of mobile apps. People, particularly millennials, use apps for budgeting, spending, investing and pretty much everything in between. In fact, millennials are coming out ahead of past generations when it comes to saving and investing. Read more…

Coping with Student Loans

By Kaleigh Galvin

When it comes to the infamous juggling act of college life, Andrew Dugan, 21, has been forced to become a master. On top of a full course load, the fourth-year religion student works 25 hours a week on campus to fight the looming reality of student loans, while also maintaining heavy involvement in his local church. “My biggest sacrifice is personal health,” he said. “There have been multiple weeks this semester alone that I have averaged thirty hours of sleep – maximum.” Read more…

Four Things to Know Before Signing a Lease

By Savannah McCoy

Renting an apartment or house is a milestone in a young adult’s life. It’s typically one of the first steps toward independence. No longer dependent on parents and paying for your own housing is a critical step toward adulthood. Before signing that first lease, however, renters understand their rights and responsibilities. Those obligations go beyond the obvious “you pay me, I’ll provide you housing” relationship between renter and landlord. Read more…

College Students Need More Financial Education

By Rakel Johnson

College is a place where students learn all kinds of new skills. In addition to learning academically, they are also learning a plethora of life lessons. However, a lot of college students feel they are collectively lacking in one important area that applies to the real world: financial education. Many students still feel ill-prepared to make their own major financial decisions. Read more…

Understanding the Tiny House Trend

By Rachel Hinkle

Ashley Jonasson, an entertainment and media studies student at the University of Georgia, has been interested in tiny houses since they became popular through television shows on HGTV and other networks. She is considering building her own tiny house one day and had a few questions about the tiny house movement and where it is projected to be in the future. Read more…

From Piggy Banks to Building Personal Credit

By Devon Tucker

An exciting, but uneasy part of moving into adulthood is the need to become financially independent.  No more allowance or piggy banks. The real world requires one to establish credit, but college students are far more likely to carry only a debit card rather than a credit card, explained Brenda Cude, a consumer economics professor at the University of Georgia. Read more…

Budget Builders: Advice for Those Entering, Existing in or Exiting College

By Josie Wall

The average student graduates with over $30,000 of debt as of As of April 2017, according to USA Today. The prospect of such a bill after graduation can deter many from even beginning the process of higher education, but there are ways to plan ahead and stay out of the hole. Read more…

Emergency Savings: Because It Could Happen to You

By Kalah Mingo

Elizabeth Medlock, a third-year linguistics major at the University of Georgia, walked to her car in her parking deck in Downtown Athens, Ga. She had a yoga class to attend, however, something was wrong. Her car was not in her assigned parking spot. She almost started to panic, but remembered she parked in a “future residents” spot closer to her apartment the night before. Unfortunately, she forgot to move it and her car had been towed. It would cost $150 to get it back. Read more…

Budgeting Tips for New Graduates

By Kelly Miller

Life after graduation for college students can mean many things: a change of pace, a chance to explore and a time to discover. However, with that freedom comes great responsibility. College grads are thrown into the “real world,” where training wheels come off, and bills are sent to them instead of their parents. Read more…

Young People and Overcoming the Fear of Taxes

By Maureen Sheeran

Alexa Gilomen, a senior at the University of Georgia said she doesn’t consider her taxes to be “a huge deal” now, but added, “I feel like in the future, it is going to be scary.”  Matt Goren, who teaches personal finance in UGA’s College of Family and Consumer Sciences, said students should overcome any fears about taxes by simply jumping in. “Give it a shot,” he said. “I think people think taxes are really confusing, and they’re really not that bad.” Read more…

Students and the Search for Housing

By Angelina Lewis

Caroline McHam, now a fourth-year consumer economics student, first came to the University of Georgia without knowing anyone, and the quest for housing was a daunting search. A friend of a friend led her to her roommate, Maddie Baker, who has since become a best friend. McHam said Baker had many qualities she looked for in a roommate, and since they were both in the honors program, it seemed to be a perfect match. After their first year living in the Myers honors program dorm on-campus, the two decided to move to an off-campus apartment. Read more…

Six Steps to Develop Good Money Habits

By Emily Haney

When it comes to personal finances, students typically fall in to one of two categories: seasoned or beginner.  J.T. Lynch, a sophomore at the University of Georgia, falls in to the latter category. Lynch said his parents covered only the basics of dealing with money while he was growing up. “It was just pay off your debt and use credit cards for emergencies,” said Lynch. “I really don’t know how to do those things, but I know I should. I don’t know how to save.” Read more…

Millennials and Urban Living

By Katherine Sauceda

Recent studies by the U.S. Census Bureau show more millennials are choosing to live in major cities after graduating college rather than suburban areas. These educated millennials’ population in cities has grown by up to 78 percent within the past few years, according to a Forbes report. Read more…

The Psychology of Money

By Kristin M. Bradshaw

Following the turn of their first tassels, graduated high school seniors enter the collegiate world wide-eyed and inspired by their new-found independence. While some have the soft cushion of their parents’ savings accounts, others with fewer resources find the move stressful. Read more…

Climb Your Way Out of Credit Card Debt

By Mary Grace Heath

Credit cards can be a great tool to have in college. They can help you develop good spending habits, earn rewards and build your own credit history, which will be important if you want to buy a house one day. But credit cards can also become a dangerous burden if they are used incorrectly, leaving students in major debt. Sometimes students don’t recognize the consequences debt can have until they are too far in. Read more…

College Connect: Earning Money from a Job that Pays Other Dividends

By Ron Davis

I’ve put in countless hours at the journalism school over the past few years. I am now in my final semester of college, still putting in those same hours, but now getting paid for it. Following a strong semester, I impressed my professor enough that he offered me a position to be his lone undergraduate teaching assistant. Read more…

College Connect: Making Sure You Earn Your Own Good Credit

By Ron Davis

Before my sophomore year of college, my dad gave a credit card that was to be used strictly for emergencies. The problem was, the card had my name on it, but wasn’t linked to my social security account, but to his, rather. It did nothing for my credit score. Read more…

College Connect: Treat Your Self!  Retail Therapy to Match a College Kid’s Bank Account

By Natalia Amandari

We’ve all had that moment. You see something nice in the store. Or maybe it’s a pricier drink at the coffee shop. You think to yourself:  No, I shouldn’t. I’d be better off saving that money. But then another thought creeps into your head…I just did well on my last exam, so it’s time to…Treat yourself! Read more…

College Connect: Eating Healthy on a College Student’s Budget

By Natalia Almandari

For most college students, living on your own for the first time also means cooking and grocery shopping on your own. Between classes, work and friends, it can be easy to resort to eating out every day or whipping up a quick bowl of ramen noodles. Read more…

College Connect: Tackle the High Cost of College with Parents as Partners

By John Messer

Finances in college have been a rollercoaster so far.  Actually, it’s more like juggling dynamite which may or may not be lit while riding a rollercoaster and Iron Maiden is blasting at top volume.  Between housing, food expenses, tuition, considerations for studying abroad, etc, and etc, the only positive emotion I feel is abject amazement that it’s working out as well as it has been so far. Read more…

College Connect: Decisions, decisions, decisions: How to pick among multiple job offers

By Carolyn Heger

The recruiting season for many majors is in full swing this month, with company recruiters visiting college campuses to encourage seniors to apply for their jobs. There is a significant amount of stress involved in networking with representatives from different firms, submitting job applications and interviewing for various positions. Read more…

College Connect: Saving for Retirement Early: Why It Matters and How to Do It

By Carolyn Heger

When I was in high school, my grandfather frequently stressed to me that I should begin saving for my retirement early. Back then, putting money aside for me to spend when I would be in my 60s and beyond was not at the forefront of my mind. I was focused on applying to colleges at that time, not on whether I would have enough money to live comfortably once I would stop working. Read more…

Planning and Restraint Help Me Make It On My Own

By Michael Boyer

I have been managing my own finances since I was about 15. This was never a huge issue until I came to college. In high school, I could count on one hand the number of times my parents gave me money for something. I didn’t ask, and they didn’t have anything to give me. I knew they had their own money problems. Fortunately, I earned enough from various jobs – from lifeguarding to fixing iPhone screens – to pay my expenses. Read more…

Saving Even While a Student

By Veronica Graff

For most, college is about embracing bankruptcy and finding peace within the fact that you’re simply broke—that was quite the wake-up call. Spending money is like gaining weight, it’s definitely noticeable, and the proof is in your bank account, but for some reason you don’t make the connection that those smoothies or juice cleanses and even those shoes that you had to have, eventually add up to a hefty credit card payment. Read more…

From Student to Adult (Gulp!)

By Sydney Maki

College is hard on your bank account. The fiscal responsibilities you’ll have after graduation hit even harder. This summer was my last as a student, and as financial aid dispersal season loomed close, I wondered what my life could look like in another 12 months. No more would I be able to craft a formula of savings and paychecks minus rent, utilities, textbooks and groceries to calculate how much my student loans needed to be. Read more…

Savvy Parents Lead by Example

By Mitchell Atencio

When I was 10-years-old my family and I moved into a new house. We moved from a medium-sized suburban house in Chandler, Arizona to a custom home in south Gilbert. First off, I recognize the privilege in this, I wouldn’t feel right writing this if I didn’t acknowledge that. But, that’s not the point of this. The point is finances and saving and the lessons learned. Read more…

New City and New Budget

By Kara Carlson

Over the summer I had the opportunity to intern in Seattle, and explore a new city I had no familiarity with. Living in a new, big, and expensive city all summer completely on my own made me really see money and budgeting in a new way. Being in a new city, I naturally wanted to take in as much of the sites, tourist attractions, local food and of course Seattle coffee as possible. The catch of course was how to manage this while balancing most of my costs on an intern’s salary. Read more…

Early Credit Training Pays Off

By Joe Gilmore

I learned at a very young age how important credit is. My parents opened up a bank account for me when I was still in elementary school or junior high. I got my first credit card in high school. Since then, I have been using it to build up my credit score so that when I need to take a loan the interest rate will be acceptable. Read more…

Tackling Student Loans and Credit

By Jimmie Jackson

For a first-time college student, it can be hard to figure everything out financially. You have to fill out the FAFSA in order to be offered scholarship, loan, or grant options. I filled out the FAFSA for my first year of undergrad at the University of Illinois. This was my first time having to know all about interest rates and such. At the time I qualified for subsidized loans that did not collect interest because the government would cover the interest. Read more…

Bargaining in Thailand

By Gabriel Sandler

“Two paintings for 1200 baht.” In a small art booth in Chiang Mai, Thailand, as it rained outside and my friends wandered away down the market street, I decided to stay and haggle. This is how I started. I wanted two paintings: one blue and black, an ethereal river town at night, the other black and orange and yellow, silhouetting a fisherman in a small boat, floating in front of a tree line. It was July 2012, I was 18 on a cultural immersion/community service trip. I wanted souvenirs. Read more…

Saving in School, Saving on Your Own

By Ethan Millman

Over the past few years as a college student, like almost any other student, I’ve had to become more frugal. As a first semester freshman, I didn’t hesitate to go to every dinner, movie or other social event to attempt to solidify the friendships I’d always heard would be the most important of my life. And for the first few months of college, I lived like this with no reservation. But given how unsustainable a lifestyle this was, it’s no shock that changes came relatively quickly. Read more…

The Little Things Add Up

By Courtney Beesch

My first set of consistent paychecks began when I was 15-years-old, working as a hostess for a local food joint. After finishing my school day, I’d wipe down menus, seat families, and make sure there were enough crayons for children accompanying their parents. I didn’t need the extra cash, but I felt a sense of pride in knowing that the money I did spend came from my own pocket. Read more…

Still a Lot to Learn About Money

By Arren Kimbel-Sannit

I thought long about how I could best illustrate the impact of money or finances in my life. I thought I might write about financial hardship, about paychecks getting stuck in the mail, or stipends getting delayed, and having to eat bread and peanut butter for a week. Read more…

Money’s Pros and Cons

By Andrew Wei

This summer I got a speeding ticket. I wasn’t going as fast as they said I was but I guess everyone says that. Without a doubt, it was a new experience. I’ve been pulled over before, but I don’t think anybody gets used to seeing the red and blue lights flicker on behind them. Read more…

Saving is NOT Over-Rated

By Andres Guerra Luz

Some people have to live paycheck-to-paycheck, but for me, I did it because I was dumb. It was my freshman year of college and I was a student worker at Arizona State University, where I study journalism. At my job, pay was good. It came every two weeks, so I had to make sure not to blow my whole paycheck in one week. Read more…

Starting a Mortgage While in College

By Erdenetungalag Erdenekhuyag

I am a student at University of Missouri who already have a mortgage. A home is typically the largest purchase for almost every student. The average home sale price in the U.S. is more than $300,000, according to the recent research conducted by St. Louis Federal Reserve Bank. That’s a lot of money for anyone, but especially for someone who may be paying for college too. Read more…

How to Avoid From the Exchange Rate Stress

By Erdenetungalag Erdenekhuyag

This is my second year at University of Missouri (MU) and I am from Mongolia where one US dollar equals to 2500 tugrug, the Mongolian national currency. Since I came to the US, just in a year, the Mongolian Tugrug depreciated in value by 17 percent relative to the US dollar. This means all my costs here increased while my parent’s income remains unchanged in Mongolian currency. Read more…

Saving Money On Things of Short-Term Value

By Abby Ivory-Ganja

College students buy a lot of stuff – and often they don’t use it very long.   You might need something for the dorm, but different for an apartment. Tastes (and fads) change. We’ve all bought something and then kind of regretted it. Whether it’s a book or piece of clothing, you aren’t getting full value from the item anymore. Read more…

Students Can Save Money while Eating Out

By Abby Ivory-Ganja

As a college student, it’stempting to eat out. In fact, some near-campus restaurants take our student meal charge, so it’s even encouraged. If you aren’t careful, you’ll end up spending more than you realize on food. Lunch can cost $10, and diners about $20. That can really add up. Read more…

Troubled In Managing Your Financial Accounts? These Mobile Apps May Help.

By Huiqi Xu

An international student may have many accounts. I’ve found it difficult to manage my accounts as well as credit cards. Using an app on your smartphone or tablet is one way to put everything in one place. Read more…

How to Increase Credit Scores as an International student

By Huiqi Xu

Most international students have this problem – how to build credit in the United States when they are starting from zero? It was once a problem to me when I first came to the U.S. But luckily, I found an efficient way to increase credit scores within one year. Read more…

Maintaining a Healthy Credit Score in College

Learning About the “B” Word – Budgeting!

By Emma Diltz

Credit cards are a necessary evil, and it is better to start young to boost credit. It’s difficult to purchase a house or a car without showing fiscal responsibility. But, many young people, and even some matured adults get some level of anxiety when thinking about spending money they might not have. Read more…

Be Prepared When You Consider Post-College Move to NYC       

By Kouichi Shirayangi

Many college students aim to work in New York City after graduation. The searching can be daunting – weighing neighbors, commute time, cost and safety. You may have heard that New York is a very expensive city. That’s because it is. Read more…

For Many College Students, School Combines with Parenthood

By Kouichi Shirayangi

Nothing can be more satisfying (and thrilling!) than introducing a new life into the world. Yet being a first-time parent can be daunting, especially when considering the cost of raising a new infant. Add to that the stress finding out a baby is on the way just after getting handed by Masters in Journalism diploma. Read more…

College Students and the Equifax Breach

By Lauren Steffens

You’re a grad student. You’ve had a credit card for a couple of years, and you’ve been responsible. In fact, thanks to the Credit Card Act of 2009, it;s rare that you could get a credit card under your own name until you were 21 and had an income. That’s because credit card companies were now forbidden to basically hand out credit cards to college freshmen. Read more…

Applying for Graduate School – A Cost Analysis

By Lauren Steffens

I’ve been taking part-time graduate classes, but am seeking to enter a program full-time. I’m also working part-time, so the cost of applications is weighing on me. I am applying to MFA programs – master’s in fine arts. Because there are only a few doctoral programs in art, an MFA is considered a terminal degree. Read more…

Football May be a College Classic, but it’s Pricey!

By Alex Schiffer

For a lot of college students, Saturdays in the fall are the most unproductive day of the week. When college football season is in full swing it’s a tall task trying to get anything done on game day. Read more…

The High Cost of Turning 21

By Alex Schiffer

It’s a situation probably every college student remembers to some degree; the first time they got offered to drink alcohol in college. Sometimes that offer comes at a house party, other times in the dorms and heck, maybe if you have a good fake ID or know the right bouncer, maybe at a bar. Read more…

College Connect: In Today’s Work Journey – Be Prepared for Detours

By Philip Joens

As a student at the University of Missouri I’d often spend nights working at an on-campus dining hall—usually working in the dishroom or cooking cheese burgers on a hot and greasy grill— and say to myself, “There’s got to be something better than this.” Read more…

College Connect: I took Jay Leno’s advice – will you?

By Philip Joens

In my last post I talked about my own experiences after graduating from college and how I’ve come to terms with the business side of my life as a reporter. When you’re young and not making much money though, it may be helpful to choose carefully where you’ll live and what you do in your free time. Read more…

College Connect: Ways College Students Mismanage Their Money

By Denver Ellison

It’s a fact that people mismanage their money. However, when college students mismanage their funds, it may be a lifestyle issue rather than a mistake. Read more…

College Connect: Reasons to Build Your Savings Account Early

By Denver Ellison

As college students, we find many ways to blow through our money.  We like to use our funds for new clothes and going out to eat with our friends. However, many finance professionals believe college students should recognize the importance of saving. Read more…

College Connect: Financial Expert Explains the Basics for College Students

By Denver Ellison

Many of us may think we have our personal finances under control. This is especially true if we have been living on our own for some time. However, talking to an expert can help us to better understand the various aspects of personal finance and how money is important in our lives. Read more…

College Connect: How I Prepared for Off-Campus Living

By Denver Ellison

Before making the final decision to move into an off-campus apartment, many of us may wonder what the difference is between living on and off campus. We go back and forth in our heads on if it is worth it to come out of pocket every month only because we want our own place. Read more…

College Connect: Turning to a Peer for Advice

By Denver Ellison

Peer advice can be some of the best advice to rely on when it comes to understanding college experiences. Our peers may have gone through similar situations and can help us learn from the mistakes that they made. Read more…

College Connect: Paying the Bills, While still Working towards a Career

By Garrett Michael

Abbi Camillo, an interior design major at the University of Georgia, has struggled to find a stable college job that will cover rent and other monthly living expenses, while also enhancing her ability to find a career. Read more…

College Connect: What should I be spending on?

By Garrett Michael

Lilley Cushman, a sophomore Biology major at the University of Georgia, said she has trouble deciding what to spend money on, while still growing a healthy savings account. She can cover most of her basic needs, like food, a place to live, and school tuition, but said she struggles to decide what to purchase when it comes to her wants. Read more…

College Connect: Debit Card Theft: 18 Cents She’ll Never Get Back

By Kalah Mingo

Emma Williams, a third year digital marketing major at the University of Georgia, was the victim of debit card theft. Her mother called asking why she had used her card at a gas station in Atlanta when she should’ve been in Athens. Read more…

College Connect: A Planning Tip When Preparing to Repay Your Student Loans

By Kalah Mingo

Alexis Williams, a third-year public relations major, has an unpaid internship, but makes money and saves on dinner as a server at Olive Garden. “I eat salad and breadsticks almost every night for dinner so it has its perks,” said Williams, who attends the University of Georgia. Read more…

College Connect: A College Students Gets Expert Advice on Her Five Key Questions

By Rachel Hinkle

Taylor Liszewski, an advertising major at the University of Georgia, had several questions about personal finance and budgeting as she prepares for life beyond college. College Connect turned to Matt Goren, an assistant professor at UGA who teaches Introduction to Personal Finance, for answers. Read more…

College Connect: An Expert Answers Five Questions about Planning for the Long-Term

By Rachel Hinkle

Taylor Liszewski, an advertising major at the University of Georgia, had more questions for a personal finance expert as she thought about her long goals for owning a home and planning a family. College Connect once again turned to Matt Goren, an assistant professor at UGA who teaches Introduction to Personal Finance, for the answers. Read more…

College Connect: Students with Questions about His Entrepreneurial Dream Gets Expert Answers

By Rachel Hinkle

Victor Edwins, 20, a marketing major at the University of Georgia, has questions about his dream of opening his own restaurant. College Connect found answers to those questions from Bob Pinckney, director the entrepreneurship program at the University of Georgia’s Terry College of Business. Read more…

College Connect: Students Have Options When Considering Post Graduation Plans

By Rachel Madray

As graduation approaches, college students are faced with a tough question. Now what? Perhaps the three most considered options are taking a year off to travel, going to graduate school or getting a job. There are financial pros and cons for each option so careful consideration is important before making a decision. Read more…

College Connect: What Most College Graduates Don’t Anticipate After Graduation

By Rachel Madray

Many college students are not prepared for the financial obligations they will face after graduation. After relying on their parents for the past 20 plus years of their lives, the transition to becoming self-sufficient can be shocking to many, especially if they have not prepared for what to expect. Read more…

College Connect: Being a Broke College Student

By Reann Huber

Having gone through three years of college, I have seen just about every type of student that likes to designate themselves as a “broke” college student. They might not have received as big of a paycheck because they missed a few shifts while preparing for a test, or had to spend a little extra on textbooks for the semester. Read more…

College Connect: Expert Explains the Reality of Credit Cards

By Reann Huber

Diann Moorman is an associate professor at the University of Georgia’s College of Family and Consumer Sciences, and specializes in research on bankruptcy, single parent households, credit card debt and more. I reached out to Moorman to learn more about credit cards and the debt that often comes along with them and how they affect college students. Read more…

College Connect: Considering Law School? You May Have to Give Up the Part-time Job

By Reann Huber

Many students consider the possibility of attending graduate school immediately after finishing their undergraduate degree, but the daunting price tag that comes along with pursuing a higher degree brings financial concerns to students they may not have faced in the past. Read more…

College Connect: Creating and Actually Sticking to a Budget

By Reann Huber

For college students, financial planning and budgeting is easily one of the biggest headaches to deal with when also pursuing a degree. Nonetheless, there are easy ways to make and stick to a budget that any college student can follow. Read more…

College Connect: The Money Ups and Downs of College Students from a Single-Parent Home

By Reann Huber

On the surface, it is not easy to see any differences between a college student who comes from a single-parent household or one from dual-income household. But, research shows these different environments often lead to students approaching their college expenses in completely different ways. Read more…

College Connect: Tapping into Tuition Assistance Programs

By Tommy Lehner

What if there was a legitimate way to get most of your college tuition paid for while you work? Sounds intriguing, right? In the state of Georgia, this is a reality through a Tuition Assistance Program (TAP). Read more…

College Connect: My first credit card

By Alexa Nicole D’Angelo

The first time I really started to think about money was when I got my first credit card. I am a notorious shopaholic with a tendency to shop until I have nothing in my bank account when I am stressed. Read more…

College Connect: Gambling in Las Vegas

By Allie Morgan Newman

Like many people do, I celebrated by 21st birthday in Las Vegas. It is easy to see the opportunity to both spend and make money in a place like Vegas. Read more…

College Connect: The lessons of money

By Brianna Stearns

Although some may warn that money is the root of all evil, my life would be vastly different if I had not had the financial ability to participate in luxuries such as traveling, trying new activities and attending an out-of-state university. Read more…

College Connect: Line of credit

By Corinne Roels

Something that I learned a lot about during while working in retail was how applying for credit cards and acquiring them can affect your credit score.  As an employee of a large-size mall retailer, it was frequently a part of our required performance to “sell” credit cards to customers. Read more…

College Connect: Keeping a budget

By Jenna Miller

Most of my life I haven’t kept a budget. I didn’t see the need to put energy into recording what I make and spend. I never looked at my credit statement or my bills and I thought it worked totally fine. Read more…

College Connect: Real world budgeting

By Kara Carlson

When you’re sixteen years old, getting your license finally means freedom. For me, as student involved in several extracurriculars and two sports it meant that my long days at least began and ended with me behind the wheel. Read more…

College Connect: Fake discounts

By Lan Jiang

Amazon.com, Jet.com, Ebay.com and Taobao.com, these e-commerce websites provide cheaper goods than that in the off-line stores. It is very often that those e-commerce websites providing a discount on some special festivals, such as Best Buy’s time-limited discount on the President Day. Read more…

College Connect: Investing in the future

By Madison Alder

A time I learned something about money was when I discovered my summer internship had automatically set up a 401K for me and I had to transfer the balance. Read more…

College Connect: Exchange rates

By Ziluo Qiu

When thinking about money, the first thing that comes to my mind is the exchange rate. I am an international student. It is necessary for me to understand exchange rate because it affects my life abroad. Read more…

College Connect: My first paycheck

By Ross Leviton

One of my first, and most memorable times with money was after the arrival of my first paycheck. I had volunteered with a company for a few months and they had decided to hire me, which meant I was going to get paid! Read more…

College Connect: Staying on top of finances

By Saundra Wilson

This year I got my first credit card and I had a sentimental moment in my car afterwards. I realized that there was no going back. I had taken a giant leap into the pool of adulthood and was officially submerged. Read more…

College Connect: Putting time and money in perspective

By Michelle Maki

When I first watched “The Avengers,” I leaned over and asked my friends, “How much do you think it would cost to rebuild the whole city after they’re done?” Read more…

College Connect: Credit scores can be confusing

By Yu Zhang

As an international student, I am a newcomer as to the credit scores in the U.S. As soon as I was told that a U.S. credit card will benefit me in terms of flying miles and, I went to Chase to applied for a credit card. However, I was turned down as my credit history was too short. Read more…

College Connect: Watching the Little Things Can Be Essential to College Student Budgeting

By Casey Williams

Managing the often routine expenses can pay off for college students on a budget. Ann Woodyard, an assistant professor of financial planning, housing and consumer economics at the University of Georgia, said simply saving money on gas can make a difference.

College Connect: College Students Lack Training in Financial Literacy

By Shannon Duffy

Nearing graduation, Caskey Dyer feels optimistic about his post-graduation job options. Dyer’s education in international affairs at the University of Georgia has equipped him to intern with Georgia Rep. Park Cannon, work as a teacher’s assistant and publish work on housing inequality.

College Connect: How to Survive on a Graduate Student Budget

By Ryan Kor

As a first-year master’s student freshly off of my parents’ payroll, the only thing tougher than graduate coursework is figuring out how to manage my personal finances. I constantly have to monitor my spending to ensure that I can pay for essential expenses.

College Connect: Financial Savvy Needed When Entering the Working World

By Russell Vandiver

College is a time in life to grow personally and to learn skills that will help establish a career. Although college graduates leave with greater knowledge in their chosen major, they often lack significant training that will prepare them for the financial decisions they will confront.

College Connect: Student Loan Debt Not Only Factor in Millennials Delaying Homeownership

By Rakel Johnson

College comes at a hefty price. It’s no surprise that many students take out thousands in loans to afford their education, and many graduate with a large amount of debt.

College Connect: Savings Can Make College Less Affordable for Some Families

By Nathaniel Berg

For parents of prospective college students, it’s important to plan ahead financially. And while conventional logic would suggest that saving money is the best way to prepare for your child’s higher education, a professor in the University of Georgia College of Family and Consumer Sciences said that is not always the case.

College Connect: UGA Finance Students Provide Free Tax Filing Through Community Outreach Program

By Nathan Hutto

The University of Georgia gives back to its Athens community in many ways, but one service gains special attention every spring: finance students provide free tax filing and financial advice.

College Connect: College Students Advised to Start Saving Early

By Nate Harris

Though some college student may work part-time jobs during school, for many, their first job outside college is their first steady flow of sizeable income. It’s also when many face a plethora of personal expenses, from rent and utilities to food and gas. Some might also enter the professional world with thousands in student loan debt.

College Connect: Mortgages and homeownership could benefit some students over apartment rentals in the long-run

By Lindsey Conway

For most college students, homeownership is not at the top of the to-do list. But Ashley Panter, who has owned two homes since graduating with her bachelor’s degree in public relations from Augusta University in 2012, said more should consider it.

College Connect: Financial Planning: Save Now or Pay Later

By Killian Wyatt

Never before have people had to make so many financial decisions on their own. Most college students aren’t prepared for these choices, but they can take steps now to secure a solid financial future.

College Connect: Students Need to Adapt to Budgeting in College

By John Hammel

Getting used to harder classes, making new friends and learning to live with a roommate are all reasons why many students find it hard to adapt to their first year of college. Another reason often overlooked is managing money.

College Connect: Many students have debt; few understand their credit score

By Harrison Young

In the age of rising costs of attendance and omnipresent student loan debt, few students graduate from college without developing their credit.

College Connect: Financial Satisfaction a Result of Strong Financial Behavior

By Gracie Thompson

Strong financial behaviors are more important than a base of financial knowledge when it comes to a person’s overall financial satisfaction.

College Connect: Students should confront their money through budgeting

By Chelsey Shirley

For many, college is four years of great adventure, growth and learning. It can also be a time when parents begin to wean their children off of their ‘payroll’ to allow their now young adults the time to practice what is known as ‘adulting.’

College Connect: Unfamiliar Surroundings Can Make Housing Search Difficult Without Thorough Research

By Casie Wilson

Angel Hogg, a 3rd year pre-veterinary student at the University of Georgia, is searching for a home in Athens, Georgia. While juggling the challenges all young adults face when house-hunting for the first time on their own— from managing credit to contacting the right realtors— Hogg also faces a problem familiar to non-Athens natives: the outsider perspective.

College Connect: Some College Students Can Qualify for Government Support to Meet Basic Needs

By Brittany Johnson

The cost of living in college is costly. Students are responsible for tuition, textbooks, rent, and other miscellaneous bills that can make paying for food seem like an option, rather a necessity.

College Connect: Stress Can Hinder College Students’ Performance

By Andrew Fisher

College tends to inflict a great deal of stress onto students, but many people do not understand the extent of it.   High levels of stress hinder learning, memory, immune function and more.  Being able to acknowledge stress can help students get a head start on managing it.

College Connect: Lack of Affordable Housing Can Negatively Affect College Students

By Amy Libby

College students living off campus often grapple with few housing options and poor housing conditions. Students shouldering heavy course loads that don’t allow for full-time employment are limited by scarce affordable housing options within their budget.

College Connect: Saving Money at the Grocery Store

By Zack Newman

I relish food and am constantly enticed by the possibility of a smorgasbord of flavors. While the occasional splurge is ok, constructive habits can lead to long-term savings. This happens a few dollars at a time. I compiled a few of my favorite tricks below to save money at the food store.

Filing Taxes Cause College Students to Confront their Money Skills

By Lisa Fu

College is when many young adults take their first step to financial independence. It may be taking on a part time job or simply remembering to pay the rent on time, but college is when many students often confront their responsibilities with money and find their knowledge is lacking.

College Loans are Necessary, but Require Planning

By Azure Aladin

College is expensive. Tuition, rent, textbooks, groceries and other bills add up, forcing many college students to take out loans to defer the expense of attending a university.

Yes, You Really Can Afford to Take That Internship

By Covey Eonyak Son

Around this time last year, I finally got a call I spent months hoping to get. The voice on the other end offered me an internship at the Minneapolis Star Tribune. It was a happy ending to an annual ritual that thousands of college students take part in each year. We spend hours writing and refining cover letters and résumés with the hope that we’ll be chosen. So naturally, the call left me feeling high with joy.

Managing Your Money Doesn’t Have to Be So Stressful

By Covey Eonyak Son

You probably grew up getting allowances from your parents. Your parents probably got you a piggybank one day, and told you to not to break it open until you’ve saved enough money. And they almost definitely at some point told you to put something back at the store because you don’t really need it.

In Today’s Electronic Age, Receipts Can Be Your Friend

By Covey Eonyak Son

My dad always told me to hold onto my receipts, no matter how minor the purchase. He was obsessed with collecting them. He even had boxes (yes, multiple) of old receipts and invoices in his home office. Just in case.

College Connect: Effectively budgeting for the holiday season

By Emma Diltz

As the holiday season is upon us, students are strapped for money more than usual. Throughout the rest of the year, they’re usually focused on buying groceries, paying rent and with the little money they have left, shopping or attending a variety of events. All too often, December rolls around, the same time every year, and students haven’t even started pricing gifts, let alone purchasing them.

College Connect: Getting your first credit card and how to manage it

By Emma Diltz

Getting a credit card is a big push into adulthood for a lot of people, including students. Going into college, it’s a good idea to start thinking about getting a credit card. Without good credit, it’s hard to buy a house, pay off student loans or buy a car.

College Connect: Best money-saving apps for students

By Emma Diltz

At this age, students struggle with saving money. There’s rent to pay off, groceries to buy and miscellaneous bills to check off. But half of the fun in college is being able to go out with your friends, whether it is dinner, drinks or concerts. The problem with all of these is how much money they cost. I’ve compiled the best apps that students can use to save money for the fun parts of their lives.

College Connect: As an international student, make sure your bank is actually ‘local’

By Daniel Levitt

Telling your bank that you’re going abroad on vacation is often unnecessarily laborious. Try telling them that you’re moving abroad to study until ‘who knows when?’

College Connect: Grad School Doesn’t Have to Break the Bank

By Daniel Levitt

When I first told my friends and family of my plans to study in America, they thought I was barmy. And that was before I told them it was a master’s degree that I wanted to pursue.

College Connect: A new bicycle isn’t worth it – YES IT IS!

By Daniel Levitt

“I’ll buy one at the start of the semester.” “I’ll buy one after my exam.” “No, seriously, I’ll buy one on the weekend.” Sound familiar? There’s only one time to buy that bicycle you need, and that’s now!

College Connect: Why I have a Safety Net

By Charlie Clark

I got my first job at 19 making $8.25 per hour working in a coffee shop. Although I would by no means characterize that as good pay, I was in college on a scholarship, and it was certainly enough income to fill my gas tank and supply my diet of ramen and microwavable mac n’ cheese.

College Connect: Money Can’t Buy Love

By Jacob Garcia

I’m sure you’ve heard of the saying, “Money can’t buy love.” I agree, and I hope my experiential story about money demonstrates that.

College Connect: Lessons in Money from New York City

By Kanak Jha

This past summer I had the opportunity to move to bustling New York City. New York is full of life lessons, especially for a young student working their first full time internship far away from home. Some of the most prominent lessons the city taught me was about money.

College Connect: The Bank of Mom and Dad

By Connor Murphy

After swallowing my pride, I called the bank which every college student dreads, but inevitably uses: the bank of mom and dad.

College Connect: Why I never buy anything that’s not on sale

By Kourtney Balsan

I never buy anything that isn’t on sale. Red stickers and slashed prices is my norm. Why? Well, besides the fact I am a broke college student, I realized that everything will usually go on sale eventually.

College Connect: Is Money Happiness?

By Anya Rogers

Money is a medium of exchange, a unit of accounts and a store of wealth. Money is many things, but it is not happiness, time or love.

College Connect: Buy Now, Pay Later

By Sophia Kunthara

The simplest lesson in personal finance: don’t spend what you don’t have (or won’t have). This is true for borrowing money in the form of loans and for credit card spending. Taking out a loan and using a credit card can have enormous benefits, but can easily be a trap for debt as well.

College Connect: Magic or Credit?

By Serena Zhang

I remember being in awe of credit cards when I was really young. Before I even knew the official name, I use to call them “magic cards” because money was magically stored in them. I was 16 when I got my first magic card.

College Connect: Can you really live without a TV set?

By Kouichi Shirayangi

We all grew up with television as part of the background in our lives. So, when we get to college, a TV comes along with us. I did a research of ads, and most dorm residents get a TV that’s about 32 inches.

College Connect: 4 Fun Ways to Save Money

Video by Andrea Stoll

College Connect: Some simple hacks to help you get your deposit back!

By Lauren E. Steffens

I’ve lived in every type of campus and off-campus housing – dorms, sorority house, furnished apartments, unfurnished apartments and houses. Each and every one requires a deposit.

College Connect: The debate about what it costs to go to college

By Lauren E. Steffens

This year’s Democratic primaries talked about the cost of a college education and student debt. Here are some interesting facts I found about the cost of higher education from an annual survey taken by the non-profit, College Board.

College Connect: The very high cost of college parking

By Lauren E. Steffens

Parking is the bane of college students. It’s a scene repeated every day – students are circling the metered parking lot near inner campus, waiting for students to leave so they can claim a coveted spot. After finally grabbing a spot, putting in coins or a pay card, they dash to class.

College Connect: Coupons for students go high-tech

By Kouichi Shirayangi

On a college campus, there are a lot of coupon books with student discounts. Are they good deals? That depends. Is this an item you’d buy anyway? If it isn’t it might make you spend money and not save money.

College Connect: Tips to save at the grocery store

By Kouichi Shirayanagi

A typical college students spends $80 –to $200 on groceries, depending on how much you cook.

College Connect: Don’t be penny safe and pound foolish when making big decisions

By Kouichi Shirayanagi

Perhaps the worst decision I made over the past year with my money was when I did not spend more to save anguish in the future, but I just did not know what the future held for me.

College Connect: Credit Cards: What To Know and Watch Out For

By Alex Ring

With the laundry list of other responsibilities that flood into the life of a college student credit cards can be a double-edged sword that solidifies adulthood and can pave the way for future but it should not be taken lightly.

College Connect: Starting in college – measured spending and saving

By Alex Ring

We learned in Econ 1010, that money is defined as a medium of exchange, a unit of account, and lastly, a store of value. As the school year, approaches I begin to understand that last part — the practical job of money.

College Connect: Saving money

By Larissa Garza

Spending cash is a lot easier when you aren’t looking forward to a paycheck every week. As a server and bartender, most of the time my paychecks are about $20.

College Connect: Wants versus needs; a lesson learned

By Lindsey Wisniewski

For as long as I can remember, my parents warned me about the dangers of money. Before I was of legal age to obtain credit, my mom and dad, who were divorced since I was 12, had a combined four bankruptcies between the two of them. In other words, they didn’t know how to handle money properly.

College Connect: One financial regret

By Hilary Davis

I don’t have many regrets in life. I don’t like to be haunted by “what ifs.” But if I could turn back the clock, I would start saving for retirement from my first paycheck.

College Connect: Dump the cable bill

By Krandall Brantley

Several times throughout my first 3 years of college, my mother kept saying she was planning on getting rid of cable because my parents were paying too much for a bunch of channels they didn’t use.

College Connect: Change the way you save

By Judson Tomaiko

Change has a way of being taken for granted. Not “change” like the concept of something new happening but rather the physical metal coins that people get from a business on the off-chance they didn’t use their debit card.

College Connect: Credit cards are evil

By Lauren Potter 

When I first moved to the U.S. from Australia nine years ago, I was fortunate to land a really great job. For my age, and given that I had no higher education at the time, I was making a lot of money.

College Connect: Money experience story

By Anthony Prosceno

When traveling, it is a good idea to carry a little extra cash because it may turn out that your physical dollars may more value than your credit cards.

College Connect: My tips for money management

By Joseph Steen

Having money is one thing, but being able to handle it wisely is another. I’ve had both good and bad experiences and will try to give you tips on how to handle your money better.

College Connect: Getting started on budgeting

By Adam DeRose

After I landed my first job out of college, finances were tight. The consistent paychecks were great, but I also struggled figuring out how much money I had to spend on non-essential purchases (restaurants, drinks, events, etc.) Read more…

College Connect: Saving money in college: smart grocery shopping

By Sabella Scalise

In college, the first year away from my parents meant freedom, no curfew and no rules. A childhood dream come true. But college is not a dream. It is reality. Read more…

College Connect: Think small business when you have extra money

By Jiahui Jia

If I ever find myself with extra money and there are business opportunities, my experience indicates it is a good time to act. Read more…

College Connect: A lesson in debt collection

By Andrea Stoll

I have worked at a debt collection agency here in Columbia for about a year and a half. While most people start working in the mail department and get drafted into a permanent department, I was immediately called to work in Bookkeeping. Read more…

 

 

Read past news stories

College Connect: Looking for part-time work to ease the financial crunch

College Connect: Make big chain stores your friend

College Connect: Saving money on college travel

College Connect: Think in terms of future value when spending

College Connect: Slow down and save some cash

College Connect: Follow Buffett’s advice and avoid credit cards

College Connect: Saving Money on college text books

College Connect: Buy stocks every time you can and hold on to them

College Connect: Is quick cash hanging in your closet?

College Connect: Preparing to survive, thrive during post college job search

College Connect: As Internships start to end, consider a new job

College Connect: Scholarship Savvy

College Connect: The Need (or Want) to Work Multiple Jobs

College Connect: The Income Effect

College Connect: Your credit score: what does it mean and why you should care

College Connect: How and when to invest while in college

College Connect: Ways to save while interning

College Connect: Remember implicit costs while job hunting

College Connect: How to get paid for buying groceries (but it requires discipline)

College Connect: Eight steps to managing your frivolous expenses

College Connect: Piecing together a budget in on of America’s largest, most lavish cities

College Connect: The Cost of Uncertainty

College Connect: A financial milestone: paying off my car loan

College Connect: Grads Face Rough Job Market

College Connect: Taxes: Students need to learn how to file

College Connect: The thing we forget about – health insurance

College Connect: Talking budgets with Mom has a generation gap

College Connect: My first semester abroad

College Connect: Parents and Personal Finance

College Connect: Learning from our parents financial mistakes

College Connect: Need a fresh look at your spending? There’s an app for that.

College Connect: Save money on tuition by looking for classes off campus

College Connect: Starting young

College Connect: Bargains may really be blunders

College Connect: A college student and the fiscal cliff

College Connect: ‘Tis the season of exchanging gifts

College Connect: Paying for college on a budget

College Connect: Weighing the post-college job offer

College Connect: Earning money on the side

College Connect: Preventing Debit Card Fraud

College Connect: How to talk about money — when you live together

College Connect: It’s never to early to start building good credit

College Connect: Planning ahead for student travel

College Connect: Lessons learned while studying abroad

College Connect: Live like a student (including budgeting…)

College Connect: Back home again – saving your sanity while still saving money

College Connect: Getting Into College: An Expensive Story

College Connect: The cost of a summer internship

College Connect: The hidden cost of education

College Connect: Growing Up and Paying Taxes: Pricey welcome to the adult world

College Connect: Jobs in college double as career experience

College Connect: Sometimes good news comes with a price tag

College Connect: You Got To Spend Money To Make Money

College Connect: Smart shopping – beating back the lure of the impulse purchase

College Connect: Conference cash may not always be there, but you can still make the contacts

College Connect: Health Insurance: Pay the premiums and avoid the pain

College Connect: Spring break planning calls for caution

College Connect: College plans survive family’s financial storm

College Connect: How much work is too much?

College Connect: Sweet as they may be, tuition refunds aren’t free money

College Connect: Coupon Clipping Can’t Make a King

College Connect: Traveling on a Budget

College Connect: Finding Cents

College Connect: Learn to barter and be generous in college

College Connect: College on Coupons- clipping can save!

College Connect: Study Abroad Dreams – making the cost worthwhile

College Connect: Financial Aid: An Awesome Way of Saving Money

College Connect: Tough Decisions – internship, or take a job?

College Connect: Taking a semester off: Dreams vs. Money: Reality Sets In

College Connect: Life in a Greek house

College Connect: Taking a semester off – a risky proposition

College Connect: Negotiating with parents – the tough call

College Connect: Not the time to tie up money in CDs

College Connect: Finances are a big part of the job hunt

College Connect: You can have what you want, even in college

College Connect: Are joint bank accounts a good idea?

College Connect: Learning to build good credit the American way

College Connect: How to open a bank account in the U.S.

College Connect: It’s Spring break –Let’s make some money!

College Connect: Jumping into financial risk when benefits changed

College Connect: Buying Our First Place: Little House, Big Decision

College Connect: Saving requires doing the little things

College Connect: Using Smartphones to Save, and Help Manage Your Money

College Connect: New GI Bill restrictions helped many, but hurt some (like me) in the process

College Connect: Students’ Points of View on Personal Finance – Part Two

College Connect: Adjusting to a new currency

College Connect: Holiday shopping not always a ‘deal’

College Connect: Students’ Points of View on Personal Finance

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