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10 Things They Don’t Tell You About Your First Job

Know what you’re getting into.

There’s plenty that will be new to recent graduates about the work world, some of it pleasant (paid vacation!) and some of it less so. Here are 10 things entry-level workers don’t always realize in their first jobs — but will hopefully figure out quickly.

The salary you accept when you take the job is the one you need to live with for at least a year.

People new to the professional workforce don’t always realize this and think they can negotiate a raise after, say, three or six months. That wouldn’t go over well with most employers, since the convention is that you typically can’t ask for a salary increase until you’ve been on the job for at least a year.

Your errors matter more.

When you were in school, making a mistake on a test or a paper or handing in work late only affected you. But at work, mistakes can impact your boss, your co-workers and your company. People might end up staying late to fix your work, miss their own deadlines or lose important business because of you.

Being smart and having potential is no longer enough.

Now what matters is what you actually achieve. In school, teachers often favor the smartest students and even cut them slack on things like being prepared for class, being respectful or working hard. But in the working world, reputations and careers are built on actual work; being smart won’t give you a pass if you miss deadlines, aren’t prepared for meetings or don’t meet your goals.

You have to book time off around holidays.

It’s not like school, where you automatically get a week or more off around Christmas and New Year’s. And many offices are open the day after Thanksgiving; it’s not a holiday, despite what school schedules might have led you to expect. And speaking of longer vacations …

Two weeks is the most time you can take off at once in many workplaces.

In many workplaces, two weeks is the uppermost limit of how much time you can take off at once. In fact, two weeks might be the full amount of vacation time you’re allotted per year, and if you use it all at once, you won’t be able to take any time off for the rest of the year. (This varies by workplace; some offer double or even triple that, particularly as you move into more senior roles.)

Your attitude really matters.

You might do good work, but if you appear unfriendly, rude, disinterested in others or defensive, you’ll find it hard to advance — and you could even end up losing your job. Being polite and cheerful isn’t optional if you want to thrive in most workplaces.

You need to look politely interested in meetings, no matter how boring the topic.

Yes, you might see senior folks checking their phones or looking bored — but they’ve usually earned the right to do that. As a junior employee, nodding off or being obviously distracted in meetings will reflect far worse on you than it does on senior colleagues. You’re expected to look attentive, no matter how sleepy the meeting might make you.

Great performance on the job isn’t just about waiting for assignments and doing them.

You should be identifying ways to drive your department’s work forward and taking initiative to do things better. If you sit around and wait for someone to tell you what to do, like in school, you might not get much done. That said, you also need to know the parameters of where you can take initiative and where you can’t, which isn’t always spelled out explicitly (and therefore can confuse new workers).

A lunch “hour” is often 30 minutes.

Forget what you’ve seen on TV or read about in books. In many workplaces, 30 minutes is the maximum you can take for lunch, and people often don’t even do that and instead grab something and eat it on the go.

Your boss wants you to get to the point.

In school, you might have learned to delve deeply into every aspect of an issue, but most managers want to hear the upshot first and then decide whether or not to ask for more background. This is true in face-to-face conversations, but it’s especially true in writing. Few managers have the time or inclination to read multiple-page memos or lengthy emails. Short summaries with bullet points are generally preferred.

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10 Things They Don’t Tell You About Your First Job originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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