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The Best Equipment-Free Exercises You Can Do Anywhere

Exercising while traveling has always been a challenge, but it can be even more difficult nowadays if you’re one of the many people opting for house shares instead of hotel stays. Foregoing hotels usually means no gym or pool access, and can make working out on the road less likely.

But it doesn’t have to be this way — if you can tap into your innovative side. I know: I was recently traveling in Nicaragua in an area where running alone was not advised, and I had no access to a fitness center. Only armed with a towel and a watch, I was forced to be creative. Here are some of the tips I took away:

Aerobic Exercise

Even if you’re confined to a room or location with no running trails, you can always train your cardiovascular system. Calisthenics like jumping jacks, burpees and mountain climbers are a great way to your raise your heart rate. Try completing three sets of 10 to 20 repeats of each exercise and you’ll have yourself a quality Tabata-style workout. Don’t feel like counting, or need more of a challenge? Set your alarm for timed intervals. Need to log miles? Laps around a parking lot or repeatedly climbing stairs can mimic a good run or hike.

[See: The 10 Best Exercises You Can Do for the Rest of Your Life.]

Strength Training

No weights, no problem; bodyweight exercises are an excellent way to both tone and strengthen your body. My four favorite bodyweight exercises are pushups, lunges, squats and planks because they simultaneously work multiple muscle groups to give you more bang for your buck.

What’s even better about these exercises is that they can all be modified easily to make them more challenging, or to target additional muscles. If an exercise is too easy consider changing your base of support. A narrower stance or standing on one leg is much harder than using two legs. While in a plank, for example, raise one leg or arm off the ground. Need an even bigger challenge? Try raising your arm and leg at the same time, and alternate while keeping your form intact. If you need to increase the intensity of resistance exercise, you can simply lengthen the lever arm. For example, do pushups on your toes instead of your knees.

[See: 5 Bodyweight Exercises to Fix Your Posture.]

Another way to manipulate your routine is to change the surface or surroundings. Standing on an unstable surface like grass, sand or even a pillow is more of a challenge than standing on firm ground. Add in a distraction or a component of coordination while performing an exercise to add to the difficulty. For example, if walking lunges are too easy, add a torso twist while performing them, or add a high kick after each one. If this is still too easy, you can try closing your eyes.

DIY Boot Camp

Having to do the same routine day in and day out can get boring. But there are lots of ways to keep your fitness routine interesting — even on the road. Change the order of your exercises or, better yet, leave it up to chance by using a deck of cards or rolling a die to decide what your next exercise is and how many sets or reps you should do. You can also try making up a new workout progression; go from a squat to a lunge to a pushup all in one move.

[See: 7 Exercises Men Should Do Every Day.]

If you have to exercise alone, make a new playlist; music can set the tone of your workout. Or, simply set new goals. Switching up your typical target of 30 repetitions to holding a position for 60 seconds can really change your workout. With a bit of motivation and ingenuity, you can create a quality fitness program anywhere.

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The Best Equipment-Free Exercises You Can Do Anywhere 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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