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Stuck in a Career Rut? Here’s How to Make Your Next Move

Defined by a feeling of discontentment, lack of enthusiasm for your profession or awareness that your job leads to nowhere, career ruts happen to most of us. Now that we are likely to work for 40 years or more, they may happen multiple times in our careers. If you know one is coming (or if it has already), what can you do when you are stuck in a rut?

A recent Harris Poll/University of Phoenix survey found that 58 percent of working adults are at least somewhat interested in changing careers. Although the majority of working adults want a change, 81 percent reported they aren’t likely to make a change due to the costs, uncertainty regarding career options or lack of education or experience. That is a whole lot of discontentment with no action.

[See: 25 Best Jobs That Don’t Require a College Degree.]

Your first rut-busting move is to be one of the 19 percent looking to make a change. Being on autopilot, professionally speaking, is one of the main reasons why work gets stale. Savvy professionals know they must continue to challenge themselves — not wait for an employer to shake things up for them. A commitment to taking action is a great way to start the process.

Next, examine your priorities. How we measure satisfaction and success in work changes over time — but most professionals neglect the process of identifying (or updating) their professional priorities. Maybe your goals are to make good money, receive recognition or to feel like you are the best at what you do. Others may want to work close to home in a role that is not too stressful and has defined lunch hours every day. There is no right or wrong answer, but it is critical that your wish list is realistic. Trying to measure satisfaction against an unrealistic or unobtainable list is a waste of time. It is like being disappointed in Florida because of the lack of snow days.

Now that you have your unique goals, evaluate your current role. You might be surprised to find that it actually lines up better than expected. For some, the perceived rut is just that — a perception that lessens in significance when measured against more realistic expectations. But, if you are ready to make a change, this evaluation can lead to the next step: education.

[See: Famous CEOs and Executives Share Their Best Career Advice.]

Nearly 25 percent of the sample group in the Harris Poll/University of Phoenix survey stated they weren’t likely to make a career change because they simply did not know which career to change to. It can be scary and overwhelming to make a change — but that doesn’t have to paralyze you. Consider this: The average worker will have more than 10 different positions before they retire. Why not have a strategy and proactively plan these transitions? Waiting for a position elimination or a change in required skills to force you into the market is not ideal. Yet, most working professionals do just that — they wait for the market to force change on them.

Educate yourself on the latest trends and options in your career, profession and industry. There are many ways to get this information — attend an industry conference, follow a podcast, read a trade journal or follow influencers on LinkedIn or Twitter. You can even use career development as a reason to grab drinks with other contacts in your profession. At the very least, explore your company’s organizational chart to see what options you have in-house.

Map out the skills and qualifications required to be a competitive candidate for your desired next roles. If you are a 75 percent match already, an updated resume and LinkedIn profile may be all you need to start applying. If you are lacking some key requirements, consider taking a class, seminar or workshop to develop your skills. One of the primary reasons employers are attracted to younger workers is their ease with learning new things. It is not just their technical fluency — it is a comfort to adapting to new processes, feedback and working arrangements

[See: Tips for Surviving a Career Transition.]

This ability requires practice. Continuing education, on any subject, stretches your brain, improves mental flexibility and increases your confidence. Maintaining your ability to learn translates into increased marketability, improved career options and higher salaries. And, accessing new knowledge has never been easier. Whether it is a webinar, an online course or attending a seminar at a local community college, you can update your skills more easily than ever before.

In short, whether you are in a rut or soon to face one, commit to being your own agent of change. Challenge yourself to learn what paths and options are around you and then act. The more experienced a professional, the longer it takes to land a new role. Like pursing a four-year degree, career development takes time — so plan appropriately. If broken into smaller steps, the benefits of taking a proactive approach can make a significant impact immediately and for the long term.

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Stuck in a Career Rut? Here’s How to Make Your Next Move 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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