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5 Phrases That Catch Job Seekers Off Guard — And How to Respond

Job searching is a complex maze of unfamiliar scenarios. As a new job seeker, your challenge is to handle each situation as knowledgeably as possible. Experience is the best teacher, but you don’t have time to monkey around when it comes to your job search. You’ll need to learn as much as you can, as quickly as you can, so you’re not caught off guard by unfamiliar situations and demands.

There may even be some instances in which you decide not to comply with the requests of a future employer. You must carefully weigh the pros and cons before you decide because your decision not to comply can eliminate you as a candidate for the job.

Are you ready to handle these five unexpected phrases during your job search?

1. “We’d like to schedule a video interview.” If you haven’t experienced this yet, expect to hear this request soon. Organizations use video interviewing to save time and money. It enables the interviewers to review your answers at a time that fits with their schedules. The video can also be shared and reviewed more than once to help the interviewer evaluate the applicant. There are many different tools and procedures used for video interviews today. Skype interviews require that you have a Skype account. Be sure to set one up today to become familiar with how to use it. Organizations use a variety of video tools, either live or the type that records video. Some software will pose a question and when you are ready, your answer is recorded. Sometimes you can review your answer, and sometimes you can’t. The trick is to always read and follow the instructions provided so you understand how the interview will work. The basic rules apply to all video interviews: Dress as you would for an interview, look at the camera and make sure you are in a location free from distractions and loud noises. If you have questions, don’t be afraid to reach out to the interview coordinator.

2. “Take this personality assessment.” Organizations are putting more focus on finding candidates who fit the company’s culture. Rather than leave the assessment to the interviewer, some companies have turned to using online personality assessments. Based on the results of your assessment, you may not be selected to move forward in the interviewing process. However, you don’t want to fudge your answers. Fit is a two-way street. The better you fit, the greater your chances of success in the role. When answering personality assessment questions, don’t overthink the question. Go with your gut or the first answer that pops into your head.

3. “You’ll be interviewing with 10 other candidates … at the same time.” During a group interview, companies with numerous candidates may schedule all the candidates to interview at the same time. One medical company asked a group of scientist candidates to work together to solve problems and present the solutions. This scenario tested teamwork skills. Another organization brought candidates together for a sales position and asked each candidate a question while the others listened in the same room. In this interview scenario, the company wanted to evaluate candidates’ ability to sell their qualifications compared to the competition.

4. “Please give us permission to run a credit check.” It isn’t unusual for companies to ask permission to run a credit check for roles in finance or accounting. In such roles, you will have access to other people’s money. In these instances, a company is using your credit score to evaluate how you manage your own finances. In the case where your credit is poor, the hiring managers may feel that you are at risk for mismanaging clients’ money or the organization’s money. But asking for your credit history isn’t limited to money-handling roles. To protect your credit history, only provide permission to run a credit check if the company is ready to extend an offer. Too many credit checks can have a negative impact on your credit score.

5. “Please provide your W-2.” Your W-2 is the form an employer provides to show how much you earned for the year. When you file your taxes, you use this information to show your earnings. So why would a future employer ask to see this? In positions where you earned a salary and commission, your W-2 provides proof of the total income earned, rather than taking your word for it. Candidates pursuing sales roles are more likely to experience this request. However, other types of professionals may be asked to supply this information as well. When providing any information which contains your Social Security number, it is important that you trust the person requesting the information. Organizations typically won’t ask for a W-2 until later in the interviewing process, but you should always take steps to protect your Social Security number and other identifying information.

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5 Phrases That Catch Job Seekers Off Guard — And How to Respond 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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