100 Days Of Productivity: Day 4

Student-loan delinquency skyrocketing, hitting “Danger Zone” January 31, 2013

Most of us are have seen headlines about the burgeoning student-loan crisis. As of August, for instance, student loans had topped $914 billion – an increase of $10 billion in less than half a year, even as most debt was falling around the country. Still, we do not appear to have hit rock-bottom. A new report shows that student-loan delinquency rates have gone through the roof in recent years and that, even more troubling, we may be entering a “danger zone” in which the entire U.S. economy is at risk.

The report from FICO Labs shows that student-loan delinquencies saw a 22-percent increase in the past several years; the overall delinquency rate is now more than 15 percent.

The LA Times has more:

The worsening deliquency rate comes as loan balances surge. The average student-loan debt jumped to $27,253 last year, up 58% from $17,233 in 2005. By contrast, average credit-card and auto-loan balances declined during that period.

“As more people default on their student loans, their credit ratings will drop, making it harder for them to access new credit and help grow the economy,” [FICO Labs head Andrew] Jennings said. “Even people who stay current on their student loans are dealing with very large debts, which reduces the money they have available to spend elsewhere.”

Source

Strike Debt has created a Debt Resistor’s Manual that you can read here.

It’s side project, Rolling Jubilee, has raised $552,682 to abolish $11,058,465 in debt.

Challenge yourself. College is scary and intimidating, but it can also be the best time of your life. It’s merely depends on your choices. You can chose to stand on the sidelines and stay the same person you were in high school, or you can open yourself up to new experiences and dive into everything college has to offer. College is the time to learn more about yourself and have fun while doing that. And it does not happen within the confines of your comfort zone. Do something you never thought you would. Sign up for trips. Dare to be different. Explore yourself. Challenge others. Challenge yourself.

Sponsored Zag MacKenzie Allan (’17)

Important for people looking for colleges next year!

Campus Pride gives lists of:

Trans-inclusive women’s colleges

Colleges that have insurance that covers medical transition for students

Colleges with nondiscrimination policies that include gender

Colleges that allow you to change your name and gender on school records

Colleges with gender-neutral housing

Trans-inclusive college sports teams

Trans-inclusive college admissions policies

Also more stuff. (All are directly linked from the first link.)

Reblog so someone doesn’t have to spend their next 2-4(+) years at a school that treats them like crap.

help for help

here’s 23 uni specific rules to help u out 4 future: 

rule n1: no zero days - never have a day where you do no uni work even if u just do 5 minutes no zero days no excuses 

rule n2: never miss tuts or lectures unless u r dying uni culture is great but u gotta get the d(egree) or its 4 nuthin alotta lectures are recorded so even if u can’t physically be there schedule a time to listen and treat it like a proper lecture

rule n3: spend 15-20 minutes doing work for each of your classes everyday (I do this in the morn when I get up) 

rule n4: replace your phone with ur readings take your readings with you on public transport and when u go to the toilet (srsly its weird but I do most of my readings there because I have nothing else to do) 

rule n5: be 2 days ahead, pretend everything is 2 days before it actually is so you’re prepared 

rule n6: go to bed before midnight for uni days always

rule n7: start all assignments 2 weeks before they’re due 

rule n8: never start anything after 9pm its better to wake up early when ur brain is rested

 rule n9: your brain associates places with actions so don’t study anywhere like your bed, have set spaces or go the quiet section of the library

rule n10: to do lists are your best pals write and review at the start and end of each day, make lil rewards 4 yourself when u complete them 

rule n11: help out other peeps with assignments, uni isn’t like school ur not competeing for ranks so everyone can help each other. it helps you focus, sometimes means you don’t have 2 buy text books and you know you know something if you can teach it to others 

rule n12: limit social media times i know its hard but u gotta 

n13: reward yo self and always look forward to things (this will keep you sane) but dont reward yurself fo nuthin 

n14: TURN OFF YOUR PHONE WHEN U R STUDYING OR PUT IT OUT OF REACH GODAMN U CAN TWEET LATER

rule n15: get your sleep (so your brain can sort shit) but don’t nap all day (your brain will get lazy af), eat at least one vegetable and 2 proper meals, never skip breakfast and take a multi vitamin there are cheap ones

rule n16: schedule the use of your freetime between and outside classes (see rules 7 and 5)

rule n17: project guternberg has heaps of books for free if your doing lit courses so check there before you buy things

rule n18: be strict on yourself, but not hard, you might be your own worst enemy somedays but you’re also you’re the only person who won’t give up on you

rule n19: plan your essays/assignments according to the marking rubric NOT the assignment question

rule n20: read your course outline and know who your professors/tutors are if u need help they are your bros

rule n21: ALWAYS ASK IF YOU DON’T UNDERSTAND bruh you are literally in class cos you want to be there and learn stuff its not school where u gotta be there and u dont wanna ask questions so you’ll look cool like you are there to learn so do it and dgaf what anyone thinks of u but also don’t be a dick and try 

rule n22: try and say one thing during class discussions and never leave a class without 3 dotpoints written down

rule n23: learn to say no bruh i get it you wanna go to that party cos if you dont ur mate will be pissed but guess what pal u have an assignment u gotta finish due tomorrow and lets face it thats gotta happen so say no because there will always be parties but you wont always get marks you lost back

Definition of a teacher #teachersofinstagram #teachersfollowteachers #teacherquotes #iteachtoo #teachergram

Matchmaking : Creating the perfect college list

One of the most important parts of the college application process is actually choosing the college you want to go to. This can be especially nerve-wracking if you have absolutely no idea where you want to go (or where you’ll get in!). Your college list may take ages to perfect and lock down, but here are some few tips that will help you get started. College lists are all about matchmaking, and this is how you get it done! 

Get realistic  Growing up, we all have dream colleges that we want to attend. Now, it’s time to get realistic about your chances at that dream college. Compare your scores, GPA, and ECs with the Freshman profile of the college you want to attend. If your stats are similar, you might have a good shot! 

Reach, Match, and Safety  Regardless of how many colleges you have in your college list, segregating them will make your job easier. Reach colleges are the colleges that will be, essentially, a “reach” for you. Match colleges are the colleges that you have a VERY good chance of getting in with your grades and stats. Finally, safety colleges are the ones that will be fairly easy for you to get into. 

Percentiles  When researching colleges, make sure to look at the college’s 25th and 75th percentile on test scores. If your test scores fall between the 25th and 75th percentiles, you have a great shot! Make sure that all your “match colleges’” percentiles are in tune with your scores. Consider eliminating / adding colleges to your list depending on your grades, stats, and scores!

Excel sheets  Excel sheets are life savers! Make an excel sheet with columns that read : Name of college, 25th to 75th percentiles, Tuition fees, Acceptance rates, Rankings for programs, Reach/Match/Safety, etc. Making this excel sheet will have all your data in one place making it easier for you to add or eliminate colleges to make your perfect college list. 

Ask important questions Finally, ask yourself some really important questions. For example, ask questions about your GPA and what the college you’re applying to is looking for. Like I said, college lists are all about matchmaking. And matchmaking is a two-way process! If you’re convinced that the college you’re applying to isn’t what you’re looking for, consider eliminating that college. 

9th May, 2016 Almost gave up on matrices, but today’s lecture on determinants really gave me hope again ☺️💪🏻👓 Had the most unproductive weekend since the start of semester, but today has been really productive, so maybe I just needed a reboot 😅👍🏻📖✍🏻 Hope your Monday has been a great start to the week as well~

3 SUPER QUICK STUDY TIPS

1. Everyone is different, but find a good rhythm to study in. What I mean is find a good time increment to study in, and a good time increment for breaks. For me, I like to study in 45 minute bursts and take 15 minute breaks. 

Note that it doesn’t have to be constant. Sometimes I’ll plug away for two hours and then run for an hour. There isn’t a set technique that works for 100% of the population, so you do you ☺

2. Stretch!!! This is important not just for exercise but for studying as well. Stretch before, stretch during, stretch after. Especially if you’re sitting on your butt for a while. This will be good for your joints, and also to get your blood pumping when you can’t break out and exercise.

3. Have snacks and water. Keep the snacks minimally messy, or eat with utensils so that you don’t make a mess all over your notes/textbook/laptop. Snacking healthily will help with metabolism and with keeping your focus on what you’re studying, NOT on food.