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Is Your Coffee Obsession Healthy?

I recently counted the number of coffee shops lining a busy Boston street. Within a 1-mile stretch, there were nine. And apparently, that’s not even enough; many of the shops had a long line of people eager to get their daily (or hourly?) java fix. This isn’t a surprise to the National Coffee Association, which boasts that coffee consumption is at an all-time high. Currently, over 60 percent of Americans drink coffee daily, the association reports.

But is all this coffee good for you? It depends. Here’s where the research stands on coffee and its effect on different aspects of your health.

Coffee and Longevity

A recent study looking at the coffee intake of over 175,000 non-white people showed that nonsmokers who drank lots of coffee — think four servings or more daily — were less likely to die over the given period than those who didn’t drink coffee. People who smoked and drank coffee, however, had a higher risk of dying.

[See: In Pictures: 11 Health Habits That Will Help You Live to 100.]

But before you start refilling your office mug for the fourth time, keep in mind that the researchers in this study used an 8-ounce portion as a standard “cup” of coffee. I bet your mug holds at least 12 ounces (1.5 cups) — if not 16 ounces (2 cups) — of coffee.

While the latest Dietary Guidelines for Americans state that consuming 3 to 5 cups of coffee daily — the equivalent of 400 milligrams of caffeine — is not likely to cause harm or shorten your life if you’re generally healthy, be aware that you may have reached this amount after only your second refill of your oversized mug.

Coffee and Sugar

Gone are the days when people drank their coffee unsweetened or with minimal added sugar. Sweetened coffee and tea beverages are one of the top three sources of added sugars in Americans’ diets, trailing only soft drinks and fruit drinks.

If the name of your favorite supersized coffee beverage ends with “ccino” and isn’t a traditional cappuccino (mochaccino, anyone?), you could be consuming as many as 7 teaspoons of added sugars — the equivalent of chugging about 8 ounces of soda — in one drink. Too much added sugar is associated with an increased risk of heart disease, as well as other health consequences.

The American Heart Association recommends that men consume no more than 9 teaspoons and women consume no more than 6 teaspoons of added sugars daily. One supersized coffee beverage could put you over the top.

[See: These Healthy Seasonings Are Tasty Substitutes for Sugar and Salt.]

Coffee and Diabetes

Research suggests that drinking coffee is associated with a decreased risk of developing diabetes. But if your gourmet coffee is sweetened with sugar and lightened with cream, the beverage could weigh in at over 400 calories. Obesity increases the risk of Type 2 diabetes and is associated with other health problems. With over 70 percent of Americans currently weighing more than is considered healthy, few of us can routinely be drinking these types of coffee beverages without it affecting the bathroom scale and our overall health.

[See: 7 Diet Mistakes That Could Sabotage Your Weight Loss.]

Coffee and Phytochemicals

Coffee comes from a plant, so it shouldn’t be surprising that it’s rich in plant (phyto) chemicals. For example, the beverage has lots of chlorogenic acids, which are just one of the many compounds in coffee that have been shown to have an antioxidant and anti-inflammatory effect in the body. These phytochemicals may play a role in increasing longevity.

More from U.S. News

9 Drinks That Give You a Buzz Without the Hangover

8 Ways to Stay Hydrated This Summer Without Drinking Water

8 Ways to Beat the Mid-Afternoon Slump

Is Your Coffee Obsession Healthy? 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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