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10 Things Your Mom Didn’t Teach You About Job Searching

Hunting for a new job has changed radically.

When your parents were your age, they may have found job postings in the classifieds section of the local paper. Perhaps Dad showed up at a hiring manager’s office to drop off his glossy resume. Your mom probably networked entirely in person, while wearing a very boxy business suit. But today’s job searching environment is different. The Internet has sparked new norms, and employers have different expectations for how they’ll interact with candidates. Your mom may have the best intentions when she gives you career advice, but here’s how job hunting has changed since her time.

Your presence is not required.

Your mom may have earned a job after going door to door to see which businesses were hiring and handing off her resume in person. That strategy is no longer commonly accepted and may get your resume quickly tossed in the trash.

Your next job won’t appear in the local paper.

Job hunters are combing through job boards on computers — and their mobile phones — to find the most recent openings. But better search capabilities mean more applicants. In the past, you may have been one of 15 candidates. Now, you’re likely one among hundreds.

Kicking off a cover letter with “Dear Sir or Madam” is a bad idea.

This stodgy greeting is enough to make a potential employer cringe. The outdated language may have worked in 1985, but today’s hiring managers prefer to see their name or the name of the department you’re pursuing in the greeting.

You don’t need to call to follow up on an application.

Put the phone down. A generation ago, calling to follow up with a hiring manager may have been an essential part of the process. That’s not true today. Phoning the hiring manager will likely tick him off, and may show that you don’t understand how hiring works these days.

Your patience will be tested.

Prepare for the interview process to move at a glacial pace. Many companies have added steps to their hiring process, with extra rounds of interviews and a small platoon of interviewers. Be patient. Your dad may have landed his first job with an on-the-spot offer, but finding a job today job takes time.

Being qualified isn’t enough to land you the job.

With employers receiving hundreds of resumes for each job posting, looking great on paper may not be enough to score you the job. Some of the decision-making criteria will simply be out of your hands.

Networking doesn’t just happen in person anymore.

Networking doesn’t only take place during informational interviews and professional happy hours. While those networking opportunities exist today, professional contacts are increasingly developed over social media, including LinkedIn and Twitter.

The hiring manager may call unlisted references.

Your mother probably didn’t tell you that a hiring manager can call anyone you’ve worked with, not just the references listed on your resume.

You shouldn’t expect to hear back — at all.

Your parents probably think it’s rude when a hiring manager doesn’t respond to an application, even with a gentle rejection note. And it is a little impolite. But don’t expect to hear back from every job you apply to.

You don’t need to put every job on your resume.

Employers don’t want to know about that summer five years ago when you served fast food at Wendy’s. They want the recent and the relevant.

More from U.S. News

The 100 Best Jobs of 2016

The 10 Things You Do That Turn an Interviewer Off

8 Tacky Job Search Faux Pas

10 Things Your Mom Didn’t Teach You About Job Searching 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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