Skip to main content

Lifestyle Interventions That Keep Your Mind Young

Most Americans fear getting dementia from Alzheimer’s disease more than any other disease, including cancer (based on surveys conducted by MetLife) — and rightfully so. Dementia can take away your memories, alter your personality, reduce your independence and, in extreme circumstances, force you out of your home. It is indiscriminate, afflicting people of all ethnic backgrounds, levels of education and socioeconomic classes. Its burden extends beyond the individual affected by increasing the care demanded of his or her family, friends and community. At present, we don’t have a cure.

However, there is a growing body of evidence supporting ways people can act to help prevent this disease from getting a grip on their minds.

Some time ago, a study examined how differences in a person’s background and lifestyle can influence the risk of developing Alzheimer’s disease. This study, called the Nun Study, followed a group of Roman Catholic nuns from entry in a convent to their deaths. These individuals donated their brains to science for study. Results revealed that the level of education one had upon entry into the convent was associated with a lower risk of developing clinical Alzheimer’s disease later in life.

A more recent study looked at a combination of diet, exercise, cognitive training and monitoring of vascular risk factors over a two-year period to see its effect on cognitive function in a large at-risk population of Finnish seniors. It found that individuals in the intervention group were more likely to have better or stable cognitive function compared to those who did not receive the intervention.

These studies show many of the factors that help maintain our brain health are really in our hands. Often, people look for the “magic bullet” cure for dementia. Seeking a cure weighs heavily on the minds of aging baby boomers.

While we wait for a cure, though, lifestyle interventions can start providing benefit, and according to the above findings (which are only a small piece of the body of knowledge we have supporting the benefits of good lifestyle choices), benefits can be derived in as soon as two years! We can surmise that the earlier these changes are made, the greater benefit you can get, but that doesn’t mean it’s ever too late to get the benefits of such interventions. The challenge for the individual is implementing changes and incorporating them into his or her daily life.

Of course, you don’t have to implement diet, exercise and cognitive training changes all at once, and certainly you don’t need to choose the most strenuous challenges first, but you do have to start somewhere. For exercise, you can start with a basic walking program — 30 minutes daily for four or more days a week, increasing gradually over time and choosing more difficult activities as the work gets easier. Exercising your mind by reading, playing games, doing puzzles, playing a musical instrument, picking up an old hobby or trying something new are all ways to continuously learn. Socialization is also important. Maintaining relationships with friends, family and your community keeps you connected and helps with your mood — and those interactions have a positive effect on your brain function.

Diet, exercise and cognitive training — the three pillars of wellness — may seem easy and mundane, but their effects are powerful and long-lasting, and their benefits should not be discounted.

More from U.S. News

Emerging Treatments for Alzheimer’s Disease

Easy Ways to Protect Your Aging Brain

6 Foods That Can Keep Your Brain Sharp

Lifestyle Interventions That Keep Your Mind Young 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
Read Next Story