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Beyond Books: Why Some Libraries Now Lend Tools, Toys and More

The next time you need binoculars or a Bundt pan, you may not need any money. Instead, your library card could be the key to accessing an array of items, as public libraries across the country expand beyond books and other media.

This so-called “library of things” isn’t an entirely new concept — a Newark, New Jersey, library started circulating framed paintings over a century ago, according to Alex Lent, library director at Millis Public Library in Massachusetts — but it’s now gaining momentum and expanding the role of libraries in communities.

Today, “you can check out not only a book or music, but something you can make music on,” Lent says. “We’ll probably always have books, but having unusual items and expanding what a library can be and do is the way we’re going.”

At Millis Public Library, patrons can check out items including binoculars, board games, sewing machines, pedometers, cake pans, metal detectors and even ukuleles (the latter is one of the library’s most popular items, according to Lent). For the sake of simplicity, every item (book or otherwise) at Millis Public Library carries a two-week lending period and a 10 cent per day late fee.

Meanwhile, the Baker County Library District in northeast Oregon lends items including a digital projector, GPS devices, telescope and, soon, a GoPro video camera. “It’s a trend in libraries across the country to not only meet the community’s recreational and intellectual needs, but to encourage digital literacy … for people who wouldn’t ordinarily have access to that digital technology,” says library director Perry Stokes.

Some university libraries are getting in on the action, too. For instance, the library at Montana State University offers laptops, cameras, projectors and more. Some public libraries also check out Wi-Fi hotspots, Kindles and tablets, which some people use while on vacation rather than lugging a suitcase full of books or paying for hotel Wi-Fi.

Janet Crystal, marketing communications manager for the Wilton Library in Wilton, Connecticut, says lending e-readers and tablets loaded with best-sellers gives patrons the chance to test them out for longer than they could in a store (up to three weeks). “We give them the opportunity to experiment with them, and now they’re starting to buy their own,” she says. “That shifts them to downloading free books through the library’s downloadable service.”

The Wilton Library’s telescope is another popular item that patrons can check out for a week. (They’re required to do a five-minute orientation before checking it out.) “We also loan media kits that contain books, DVDs and music centered on a theme such as a country, love of chocolate or stargazing,” Crystal adds. “We call them Mixed Bags, and they have become quite popular for date nights or girls’ nights out.” For instance, Wilton Library’s Chocolate Mixed Bag contains a chocolate cookbook by Christine McFadden, the moving “Chocolat” and the music CD “Paris: La Belle Epoque” by Yo-Yo Ma.

Beyond boosting digital literacy and fostering intellectual curiosity, lending these items also ties into the broader trend of collaborative consumption or the sharing economy. “Seldom-used tools like the stud finders or soil testers are great because you use them once or twice a year, so there’s no point in purchasing them yourself,” Lent says. He adds that a colleague in Brookline, Massachusetts, a suburb of Boston where many residents live in small spaces, finds kitchen equipment to be in high demand. “[In Brookline], people have mostly apartments, and so they don’t want to have all this kitchen gear [when they’re not using it],” Lent explains.

Not surprisingly, the items offered by libraries often vary depending on the needs of their community. For instance, the Erie County Public Library in Pennsylvania lends fishing poles and tackle boxes, while the Petawawa Public Library in Ontario, Canada stocks adult and youth-sized snowshoes. After noticing that some patrons forgot their reading glasses, Stokes says his library added a small stock of reading glasses for in-library use. They also have knitting needles, since a knitting circle meets at the library.

Some libraries, like the Wilton Library, have also added makerspaces where patrons can experiment with 3-D printing, take a robotics class or convert VHS tapes to digital format. “Libraries are so much more than what people probably had in mind that they were when they were growing up,” Crystal says. “We just have so much going on, and it really becomes the heart of the community.”

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Beyond Books: Why Some Libraries Now Lend Tools, Toys and More 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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