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Let Them Take Risks

“I wish I grew up back in Dad’s childhood.”

My 14-year-old son has an iPhone that’s newer than mine, an Xbox, and instant access to friends, entertainment and nearly all human knowledge via the internet. And he wishes he grew up in the 1970s and ’80s?

“How come?” I asked — and my son unspooled an answer involving freedom, autonomy, risk and over-involvement of adults in kids’ lives.

My son has heard his dad tell stories of summer days at the river with his friends. They’d jump off the wooden bridge into the water below. My son lives just a few blocks from that same exact river, the same exact bridge. The town surrounding the bridge hasn’t changed much since his dad’s childhood. It’s still a small, rural Wisconsin town, the kind of place where people joke about knowing everyone, and while that’s not quite true, the odds of getting out of the grocery store without seeing someone you know are pretty slim.

The town hasn’t changed. Times have. My son knows that if he and his friends attempted to jump off the bridge and swim — as his dad did, many times — the most likely outcome is that some well-meaning adult would call the cops.

At 14 — an age at which, in generations past, most boys were contributing to the well-being of their families by working — my son is ready, able and willing to put his skills and strength to the test in the real world. Yet he, like so many other American boys and girls, is stymied by a culture that seems to have elevated safety to the highest regard, without considering how a lack of risk might inhibit kids’ development.

[See: 10 Ways to Raise a Giving Child.]

How Attempts to Erase Risk Stunt Kids’ Development

Risk, by definition, is “a situation involving exposure to danger.” While that certainly sounds like something to protect our children from — none of us wants our children hurt — risk is a crucial catalyst of development.

Think about it. When have you experienced the most growth within your own life? Likely, it was when you faced a challenge and had to overcome an obstacle using skills you weren’t even sure you had. Risk involves facing uncertainty. It involves testing our capabilities and discovering our limitations. It requires problem-solving skills and on-the-spot thinking.

In other words, risk helps children develop essential life skills. Risky activities give kids a chance to develop confidence and competence as they master challenges.

Our attempts to protect children from harm has inadvertently removed risk from many of our kids’ lives. Parents freak out if a child climbs too high on the playground. “Sword fighting” with sticks is frowned upon. Children rarely walk or bike anywhere anymore — and in some well-publicized cases, adults have called the police after seeing a child walking alone.

Pocket knives, once a common tool for young boys, have become verboten. The idea of children starting or tending a campfire terrifies many people; some are even reluctant to let their children cook a meal on the stove. No wonder so many kids leave home unable to cook or handle other basic tasks! We’ve amputated their ambition by interfering when they show initiative. ” No, honey. You can’t do that. Here, let me.”

[Read: Take the Bubble Wrap Off Your Child.]

How to Support Healthy Risk-Taking

A better approach is to let kids figure out their capabilities by taking some risks. Instead of freaking out when your child climbs to the top of the monkey bars, pause. Watch. Is he looking increasingly frantic, or is he determined? If you see determination on his face — even if it’s mixed with fear — let him be. Remain close by, if it makes you more comfortable, but resist the urge to reach out. Let your child decide how high to climb, and let him figure out how to get there. Instead of worrying about the bones he could break, think about the sense of accomplishment and pride he’ll feel when he reaches his goal.

Rather than immediately putting the kibosh on your child’s “crazy plans,” watch and observe. The bike ramp he’s building might not be as big or scary as you fear. Ask what he’s doing. Remind him to wear safety gear. If you see something potentially unsafe, speak up. Express your concern, but then let your child solve the problem. So if your child is setting up a bike ramp in the driveway and you’re concerned it’s too close to the road, tell him: “That seems pretty close to the street. Do you think you need more space after the ramp?” Some kids will immediately adjust their plans. Others will resist. It’s OK to step in and stop things if needed.

[See: 12 Questions You Should Ask Your Kids at Dinner.]

Let kids try some risky things — cutting the lawn; using tools and sharp knives; starting a fire; cooking — under the supervision of an adult who models and discusses safety protocols. Allow your child to gradually assume more responsibility; a child who helps prep and cook meals will be better prepared to cook independently. Similarly, you’ll want to know that your child can safely handle a hammer before allowing him near power tools.

Above all, encourage and praise your child’s ambition and determination. His desire to tackle challenges and take risks will serve him well in the years to come.

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Let Them Take Risks 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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