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7 Warning Signs an Online Degree is a Scam

For prospective online students, searching for a degree program can sometimes feel like being adrift in the wilderness, with no map and no way of gauging the intention of approaching strangers.

Students have so many online programs to choose from — some with promises of quick, effortless degrees that seem too good to be true. Unfortunately, they sometimes are. And students who are duped by the schemes are left with a hole in their wallet and no legitimate credential.

While anyone can fall prey to an online degree scam, international students and first generation college students can be particularly vulnerable to degree mills, says Karen Pedersen, chief knowledge officer for the Online Learning Consortium, a group dedicated to advancing the quality of online learning. “If you don’t know what you don’t know, it can seem like a really intricate maze,” she says.

Below are several signs that an online program may not be legit:

1. Accreditation status is murky. When students start looking for a program, they want to know the information they are seeing on a website is trustworthy, says Tim Willard, spokesman for the Council for Higher Education Accreditation, or CHEA. For students looking at U.S. programs, “a good place to start is to determine if the institution is accredited,” he says.

[Learn how to tell whether an online program is accredited.]

Of course, not all accrediting groups are equal. To make sure the accrediting organization is legitimate, students should make sure it is recognized by either CHEA or the U.S. Education Department.

If prospective students suspect a school is falsely claiming accreditation, they can always contact the accrediting agency and ask, says Leah Matthews, executive director of the Distance Education Accrediting Commission, which accredits online programs. She says her group gets calls regularly.

Students looking into non-U.S. distance education programs should start by contacting the ministry of education in the country where the program is based to ask about its accreditation or authority to operate, Willard says. They can also visit CHEA’s international directory for a list of quality assurance and accreditation bodies and ministries of education around the world. Granted, every country may have different quality standards for its programs.

2. The name seems prestigious, and vaguely familiar. Sometimes programs will “steal a renowned name and modify it jut a little bit,” Matthews says. Some even fabricate faculty names and credentials.

If a student comes across, for example, a professor Joe Smith at a school with a name like Harvard Technological University , he or she might want to do more research.

3. Earning a degree seems fast and easy. Prospective students should hear warning bells as soon as they are told they can get a degree without much time or effort, experts say.

[Learn how to tell the good online degrees from the bad.]

“If you are able to earn this degree with just a resume review, it’s a clear red flag that this is not a legitimate degree granting institution,” says Pedersen. “Any legitimate institution is going to require that you complete a certain number of credits at their institution.”

4. There’s no evidence of student services. Legitimate online programs should have a host of resources available to students, including technology support, advising and library services, Pedersen says. If prospective students don’t see evidence of those resources, or if they can’t speak to other staff members, then they should be suspicious.

“Poke around a little bit on the website to ensure that it isn’t just a movie set where it’s just the front and that’s it,” she says.

5. An address is hard to pinpoint. Students are right to raise an eyebrow if a program won’t provide any information about a campus or business address and relies only on an email address, Willard says. On a related note, Matthews, says, most legitimate online operations in the U.S. have websites that end with “edu.”

[Explore time management tips for online students.]

6. There’s a lot of pressure to enroll. Another sign that a program may be a degree mill: the salespeople will not leave you alone. “If one of these outfits is being really aggressive and you are feeling uncomfortable, that’s when you say, ‘I need to stop and think about this and be in touch,'” Matthews says. “Don’t let yourself get pressured into enrolling — that’s never OK.”

7. The program requires a lot of money upfront. “I would be highly suspicious of a program if it requires a substantial upfront financial commitment,” says Pederson with OLC. “With most legitimate academic programs, you pay for the courses you are taking that term or that semester. That’s a sign for me. I would dig a little deeper.”

Israe Berateo, a Michigan-based nurse who is looking for an online master’s in nursing program he can pursue while being closer to family in Lebanon, admits looking for an online program can be very overwhelming. His advice to fellow prospective students: If you’re having problems vetting a degree, let another source do it for you.

“Go to companies or magazines who have done the work and done the research,” he says. “This is the most important thing.”

Trying to fund your online education? Get tips and more in the U.S. News Paying for Online Education center.

More from U.S. News

How to Tell if an Online Program Is Accredited

Online Degree Programs: How to Tell the Good From the Bad

4 Online Education Program Considerations for International Students

7 Warning Signs an Online Degree is a Scam 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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