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Helping Your Child Overcome Social Anxiety

During the years between finishing high school, moving out and starting a family, your child will form valuable friendships and make lasting connections that will lead to personal and professional success. But for many emerging adults, social anxiety seriously hinders their ability to manage their own affairs. For these individuals, overcoming anxiety will lead to a longer, happier, healthier and independent life.

Anxiety is a natural and necessary experience. It keeps us safe from harm and connected to others. Without anxiety, we might not look both ways before crossing the street. We might say something embarrassing in front of our boss or to our in-laws. We might keep partying when there’s a report or paper to write.

On the other hand, anxiety run amok shrinks your life. It keeps you from taking appropriate risks. It causes you to avoid people and important situations, such as job interviews and doctor visits. It leads you to keep on partying because you’re afraid to write that paper or report.

[Read: How Parents Can Identify Mental Health Problems in Their College Kids.]

The best way to overcome an anxiety disorder is to face fear-provoking situations as early and as often as possible. For emerging adults, it’s important that they be allowed to face anxiety on their own.

A parent’s part in this process can be very difficult. Staying out of the way as your kid faces anxiety — which can be very painful — runs counter to the parental instinct to protect kids from harm. But you must. You can’t rescue your child or provide reassurance that everything will be all right.

That’s because putting yourself between your kid and his anxiety reinforces avoidance and escape. People who are anxious look for rescue from discomfort, and when you step in, you provide that negative reinforcement. Providing safety when your child is experiencing anxiety will make it less likely that he will try new and scary things on his own.

What’s more, becoming involved when your kid feels anxious keeps her from learning skills required to manage on her own. She did not learn to ride a bike by having you hold the seat the whole time, and she will not learn to manage anxiety if you are doing it for her.

Finally, you can’t guarantee that nothing bad will happen. Something bad might happen. Reassuring her will reinforce her fear that she’s facing an insurmountable problem. Even if something terrible happens, she must and will manage it herself.

[Read: What Parents Should Know About Teen Depression.]

The following are some important tasks and interactions that many people — especially college students and emerging adults — find difficult. For people with a predisposition to social anxiety, doing simple things like scheduling appointments can be downright terrifying. Practicing these things will help your child overcome anxiety.

— Asking for help from a customer service representative

— Ordering food on the phone

— Calling back and changing the order

— Making an appointment with a doctor

— Canceling an appointment with a doctor

— If attending college, reaching out to an advisor or professor via email or setting an appointment to meet with a professor face-to-face

— If living on campus, reaching out to a roommate on social media or via text or talking to a new roommate on the phone

If you know your kid finds something that’s not on this list to be particularly difficult, add that and practice it as well.

Allowing your child to face situations he finds difficult will put him on a path toward independence. By facing his anxiety alone, he will learn to master it.

[See: 10 Concerns Parents Have About Their Kids’ Health.]

If your child appears to have great difficulty with any of these things and is headed off to college or to work, consider assisting her in seeking help from a psychologist or another mental health professional who specializes in anxiety disorders. The Anxiety and Depression Association of America can help you find a professional in your area.

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Helping Your Child Overcome Social Anxiety 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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