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	<title>College, Career, Life &#187; financial aid</title>
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		<title>Advice for Recent Graduates from HowStuffWorks.com Founder Marshall Brain</title>
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		<pubDate>Wed, 17 Jun 2009 22:43:44 +0000</pubDate>
		<dc:creator>collegecareerlife</dc:creator>
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		<description><![CDATA[Marshall Brain is the founder of HowStuffWorks.com, an award-winning site that provides resources on thousands of topics.  Mr. Brain was kind enough to answer some questions I had about the challenges recent college graduates are facing. For more information, visit the career channel at HowStuffWorks. 1. How do recent graduates get started in a career [...]]]></description>
			<content:encoded><![CDATA[<p><span style="color:#000000;">Marshall Brain is the founder of <a href="http://www.howstuffworks.com/">HowStuffWorks.com</a>, an award-winning site that provides resources on thousands of topics.  Mr. Brain was kind enough to answer some questions I had about the challenges recent college graduates are facing. For more information, visit the <a href="http://money.howstuffworks.com/career-channel.htm">career channel</a> at HowStuffWorks.</span></p>
<p><span style="color:#000000;"><strong>1. How do recent graduates get started in a career when they have no relevant experience? </strong></span></p>
<p><span style="color:#000000;">If your experience is minimal or non-existent, you face one of life&#8217;s greatest employment challenges.  You need to go into your interviews with a positive attitude and demonstrate your flexibility, your social skills and your ability to get the job done even if you have to learn new skills and meet demanding deadlines.</span></p>
<p><span style="color:#000000;">It&#8217;s a tough economy right now, so the job market is hypercompetitive; experience is a key differentiator between candidates.  It&#8217;s never too late to start building up relevant experience through intern positions, co-oping, volunteering, etc.  If you have no experience, be willing to take an entry-level job in order to build experience, and then work your way up. Or be willing to work for free in a post-graduation internship.</span></p>
<p><span style="color:#000000;"><strong>2. How can job candidates best prepare for an interview?</strong></span></p>
<p><span style="color:#000000;">There are some great books out there, and many web sites, that have tons of advice on general interviewing skills. There are books on common interview questions and how to answer them correctly. In your specific field it is likely that there are sample &#8220;stumper&#8221; questions available on web sites, as well as advice on how to deal with them. If you have &#8220;problem areas&#8221; in your resume, research how to talk your way around them and accentuate the positive. Then practice. Assume the first several interviews you do will be a little rough around the edges, so do those with companies you don&#8217;t really care about. Get used to answering the questions and smooth out your responses. Ask your friends to interview you. If it&#8217;s a possibility, go to the career center and ask for a practice interview. Practice. Then when the &#8220;big interview&#8221; falls in your lap, it will be easy(er).</span></p>
<p><span style="color:#000000;"><strong>3. What are the most important soft skills and technical skills for graduates to have?</strong></span></p>
<p><span style="color:#000000;">Your degree should have covered the technical skills, which you should have been able to perfect with internships in your chosen field. Therefore, technical skills should be solid at this point.</span></p>
<p><span style="color:#000000;">&#8220;Soft skills&#8221; include things like leadership ability, communication (spoken and written), teamwork, relationship-building, work ethic, problem solving, etc. You should have been building these skills over the last four years by taking on leadership roles (which would look good on a resume), working on team-based projects and extracurricular activities (which would look good on a resume), solving real-world problems in competitions (which would look good on a resume), etc. Assuming you have done none of those things, then your next-best option is to read about these soft skills. Get books on things like leadership, communication, negotiation, team building, business ethics, etc. and become a sponge.</span></p>
<p><span style="color:#000000;"><strong>4. What industries should graduates focus on while job searching?</strong></span></p>
<p><span style="color:#000000;">Ideally a graduate should focus on industries in his or her area of expertise. But jobs are so scarce at the moment that graduates may want to cast a wider net. Or you may want to consider working for no money if you have no experience (I.E. a post-graduation internship). There are some startups getting venture funding right now. You might look for a venture-backed company like that since it would be hiring. Some industries (e.g. Green energy) are getting a boost from federal stimulus funding. Do some research and see which companies in your area are getting funding and may be hiring. Some areas are affected less in a recession. For example, people still get sick when the economy drops. Look for recession-proof industries.</span></p>
<p><span style="color:#000000;"><strong>5. How can new employees make a good impression during their first jobs or internships?</strong></span></p>
<p><span style="color:#000000;">Some general traits that make a good impression with employers: working harder than everyone else, meeting deadlines, exceeding expectations, making friends, helping others, being grateful, figuring out what needs doing and getting it done before being asked, understanding what is important to the bottom line and focusing on that, putting first things first, making customers ecstatic, etc.</span></p>
<p><span style="color:#000000;"><strong>6. Many students are going to graduate school to ride out the recession. Is this a good idea?</strong></span></p>
<p><span style="color:#000000;">Graduate school is something to consider regardless of the economy.  The focus should be on making the most of your time and opportunities to fill holes in your resume.  Graduate school is just one proven way to strengthen your professional profile.  Build your soft skills.  Get intern positions.  If you come out of graduate school with a stellar resume and a marketable advanced degree, you are putting yourself in a position to succeed.</span></p>
<p><span style="color:#000000;"><strong>7. What options do recent graduates have if they&#8217;re having trouble making payments on student loan debt?</strong></span></p>
<p><span style="color:#000000;">Every lender is different, and there are many different types of student loans. So if you are having trouble making payments, you need to communicate with your lender(s) and find out what options may be available. In some cases you can arrange for deferment or forbearance. You may also be able to delay payments with graduate school, military service, AmeriCorps service, etc. Loan consolidation may also help a little. Research all options.</span></p>
<p><span style="color:#000000;">But you might also want to consider sucking it up and getting started with payments. Get two jobs, move in with your parents (or get a couple of roommates to drastically lower rent), ride the bus instead of getting a car, etc. Yes, it&#8217;s painful. But the sooner you start paying, the sooner you get done.</span></p>
<p><span style="color:#000000;"><strong>8. Any other tips for recent graduates?</strong></span></p>
<p><span style="color:#000000;">You have chosen one of the toughest economies in several decades to graduate. Expect things to be harder than normal in the job search, and do what you can to avoid discouragement. Do not forget that getting rejected is a normal part of job hunting, even in a good economy.</span></p>
<p><span style="color:#000000;"> </span></p>
<p><span style="color:#000000;"> </span><br />
<h3 class='related_post_title'>Related Posts:</h3>
<ul class='related_post'>
<li><a href='http://collegecareerlife.net/career-advice-for-lawyers-kate-neville/' title='Kate Neville Offers Career Advice for Lawyers '>Kate Neville Offers Career Advice for Lawyers </a></li>
<li><a href='http://collegecareerlife.net/interviewing-interviewer/' title='Interviewing the Interviewer'>Interviewing the Interviewer</a></li>
<li><a href='http://collegecareerlife.net/workplace-anxiety/' title='Work Makes Me Nervous: New Book Tackles Job Anxiety'>Work Makes Me Nervous: New Book Tackles Job Anxiety</a></li>
<li><a href='http://collegecareerlife.net/college-job-fair/' title='Getting the Most out of a College Job Fair'>Getting the Most out of a College Job Fair</a></li>
<li><a href='http://collegecareerlife.net/helpful-links-for-job-seekers/' title='Helpful Links for Job-Seekers'>Helpful Links for Job-Seekers</a></li>
</ul>
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<p><small>© Andrea for <a href="http://collegecareerlife.net">College, Career, Life</a>, 2009. |
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		<title>How to Pay for School after Losing Your Job</title>
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		<pubDate>Thu, 09 Apr 2009 22:03:36 +0000</pubDate>
		<dc:creator>collegecareerlife</dc:creator>
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		<description><![CDATA[The following is a guest post from Karen Schweitzer who writes about online education for OnlineColleges.net and serves as About.com&#8217;s Business School Guide. If you are one of the many people who are considering going back to school after losing your job, you shouldn&#8217;t let a bad economy stand in your way. There are many [...]]]></description>
			<content:encoded><![CDATA[<p><span style="color: #000000;"><em>The following is a guest post from Karen Schweitzer who writes about <a href="http://onlinecolleges.net/">online education</a> for OnlineColleges.net and serves as <a href="http://businessmajors.about.com/">About.com&#8217;s Business School Guide</a>. </em></span></p>
<p><span style="color: #000000;">If you are one of the many people who are considering going back to school after losing your job, you shouldn&#8217;t let a bad economy stand in your way. There are many different ways to come up with the money you need to pay for school.</span></p>
<p><span style="color: #000000;"><strong> </strong></span></p>
<p><span style="color: #000000;"><strong>1. Community Grants and Programs. </strong>The first place to start when you need money for school is your local community.  The recent downturn has prompted many local governments and community organizations to establish special programs for unemployed individuals. Some of these programs provide career education; others provide grants to cover education costs.</span></p>
<p><span style="color: #000000;"><strong> </strong></span></p>
<p><span style="color: #000000;"><strong>2. State Aid. </strong>State programs or grants may also be available for students who need financial aid. You can learn more about potential programs by contacting your state&#8217;s education department or related agencies. If aid is available, you will most likely need to apply for it using state-supplied forms. Whatever you do, be sure to follow all of the instructions and apply as soon as possible. State aid is always limited and is usually available on a first come first serve basis.</span></p>
<p><span style="color: #000000;"><strong>3. Federal Grants. </strong>The federal government awards billions of dollars in grants to needy students every year. The most commonly used grant is the Federal Pell Grant, which provides need-based grants to low-income students. All grants, including the Pell Grant, can be used to cover tuition costs, books costs, and other fees.</span></p>
<p><span style="color: #000000;"><strong> </strong></span></p>
<p><span style="color: #000000;"><strong>4. Scholarships. </strong>Scholarships are also an excellent way to pay for your education. Like grants and state aid, scholarship money is free money. You will not have to pay it back after graduation. Scholarships are usually awarded through commercial organizations, professional associations, and individual benefactors. You can find scholarships through the many scholarship search engines on the web. Good engines to try include Scholarships.com and FastWeb.com. </span></p>
<p><span style="color: #000000;"><strong> </strong></span></p>
<p><span style="color: #000000;"><strong>5. Government Loans. </strong>Taking out a loan to pay for your education may not seem like the ideal scenario, but the investment will eventually pay off. Research has shown that a degree can increase salary potential and competitiveness in the job market. If you decide to get a loan, be sure to look at loans that are guaranteed and subsidized by the federal government. Good examples include Stafford Loans or Perkins Loans. These loans usually have low interest rates and deferred payment options.</span></p>
<p><span style="color: #000000;"><strong> </strong></span></p>
<p><span style="color: #000000;"><strong>6. Private Loans. </strong>Taking out a private student loan may also be an option worth considering. Most banks have some sort of student loan program that can be used to cover the cost of tuition and other expenses. If you do decide to get a loan from a private bank, be sure to compare interest rates and loan terms before making a final decision. Rates and repayment options can vary from bank to bank.</span></p>
<p><span style="color: #000000;"><strong> </strong></span></p>
<p><span style="color: #000000;"><strong> </strong></span></p>
<p><span style="color: #000000;"><strong>7. Social Finance Companies. </strong>Traditional banks aren&#8217;t the only institutions you can turn to when you need money for school. There are companies out there who are dedicated to matching people who need money with people who have money. Commonly known as social finance companies, these organizations act as a mediator between private lenders and needy borrowers. Popular companies include Zopa, which offers low-rate loans from a non-profit member-owned credit union, and Prosper, which can help you get a personal loan from one of the company&#8217;s many partners.</span></p>
<p><span style="color: #000000;"><strong> </strong></span></p>
<p><span style="color: #000000;"><strong>8. GreenNote. </strong>Designed specifically for students, GreenNote is a unique company that offers an alternative to the traditional student loan. GreenNote doesn&#8217;t lend money directly, but it does offer a platform for students to get money from parents, friends, mentors, and strangers. Loans have low interest rates and do not require a credit check, citizenship, or a co-signer.</span></p>
<p><span style="color: #000000;"><strong>9. Federal Work Study Programs. </strong>Students who need money to fund their postsecondary education can also turn to the Federal Work-Study (FWS) program. The FWS provides funds to students who agree to work part-time either on-campus or off-campus. Jobs are usually community service oriented or related to your job field.</span></p>
<p><span style="color: #000000;"><strong> </strong></span></p>
<p><span style="color: #000000;"><strong>10. School Programs. </strong>A lot of colleges and universities have their own financial aid programs for needy students. To learn more about possible programs, you should contact several schools you are interested in and ask to speak to their financial aid department. The department will be able to tell you about their programs and eligibility requirements.</span></p>
<address><span style="color: #000000;">Guest post from Karen Schweitzer who writes about <a href="http://www.onlinecolleges.net/">online education</a> for OnlineColleges.net.</span><br />
</address>
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<h3 class='related_post_title'>Related Posts:</h3>
<ul class='related_post'>
<li><a href='http://collegecareerlife.net/costs-college-student/' title='Costs Every College Student Should Consider'>Costs Every College Student Should Consider</a></li>
<li><a href='http://collegecareerlife.net/financial-resources-graduate/' title='25 Free Financial Resources for Recent Graduates'>25 Free Financial Resources for Recent Graduates</a></li>
<li><a href='http://collegecareerlife.net/college-job-fair/' title='Getting the Most out of a College Job Fair'>Getting the Most out of a College Job Fair</a></li>
<li><a href='http://collegecareerlife.net/success-college-education/' title='How to Make the Most of Your College Education'>How to Make the Most of Your College Education</a></li>
<li><a href='http://collegecareerlife.net/save-on-textbooks/' title='Tips for Saving on Textbooks'>Tips for Saving on Textbooks</a></li>
</ul>
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<p><small>© Andrea for <a href="http://collegecareerlife.net">College, Career, Life</a>, 2009. |
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