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Be a Health Hero: 4 Ways to Advocate This Summer

As we roll into the shank of the summer here in the U.S., life seems to slow down, and motivation to follow your passions can vanish in the wake of humid days, slower work schedules and endless repeats on TV. While others are sipping their sweet tea on the porch, you can take advantage of this time to become a stronger advocate, while still taking care of yourself. By following these four simple steps — getting informed, being heard, staying active and focusing on your health — you can have your best summer yet.

[See: 10 Lessons From Empowered Patients.]

There is a huge amount of information and opportunities for discussion available online. However, it can be hard to differentiate between opinion and fact, and even harder to express yourself in a way that will make a difference. The first step to ensuring you’re fully aware of the nuances of a topic is to get informed. Read information from a variety of well-established sources. Many sites don’t have an agenda beyond providing a complete story. Find the ones that work for you, read up on a topic and note to yourself where the sources differ in their commentary. Reading between the lines might seem tricky, but with enough practice, it can become second nature. If you have a chronic disease, or if health is an important subject to you (because if you don’t have your health, what do you have?), make sure you get your information from sites like U.S. News and World Report, Kaiser Family Foundation or MedPage.

Once you’ve educated yourself fully about a topic, it’s time to strengthen your own opinions and get heard. Think critically about how you feel, what you value and where you stand on a point. Put your argument into words and run it by some friends or peers to practice. Then, figure out who you want to hear your argument. Do you know who your policymakers and regulators are? Quick searches online can tell you exactly who should hear your message. Often, it isn’t hard to find their contact information, because lawmakers really do want to hear from their constituents. Showing you care by sharing your thoughts on a topic makes you an informed and active citizen. Remember, when speaking with a government official (or member of their staff), to remain polite. Manners count, even if you disagree with or didn’t vote for this person. Whether or not you have experience getting heard (also known as “advocating”), there are outlets where you can join networks and communities of other people interested in sharing their messages, too.

[See: 10 Questions Doctors Wish Their Patients Would Ask.]

After you’ve spoken to your representatives, you’re well-practiced and ready to talk to your peers and neighbors . Get active by moving around, either by going door to door or attending talks and conferences. As long as you get moving, you can share your message wide and far, advocating for what you believe in while staying healthy. Not only is this good for you physically, but you might meet people who share the same interests and opinions, expanding your support network even further. At the very least, you’ll be sharing your passions with those around you, potentially inspiring them to speak out about what they believe in, too. You need not preach, but instead share your “elevator pitch” with the people you come across in an effort to spread the word about your position.

Finally, you can’t forget to take care of your own needs while advocating for others’ needs. Keeping yourself as healthy as possible is an integral part of being the best health hero. Get healthy by eating well, exercising and following your health care provider’s suggestions. You can also spend time on sites like CreakyJoints to get lots of helpful information about taking care of yourself with a condition like arthritis.

[See: When Health Treatments Go From Hospital to DIY.]

The dog days of summer might seem like a classic pattern, but that doesn’t mean you have to be trapped. By getting informed, getting heard, getting active and getting healthy, you can be sure to have your most productive summer yet. Become a health hero to help yourself and others.

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Be a Health Hero: 4 Ways to Advocate This Summer 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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