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4 Steps to a Successful Job Application

Job descriptions are pretty generic. That makes it hard to figure out if you are a good match and whether you should even bother applying. You may read the job requirements and doubt that you are the right fit, or you may think, “This is me! I’m the perfect fit!”

How can you figure out whether it’s worthwhile to apply, and if it is, how can you give it your best effort?

[See: 25 Best Business Jobs for 2017.]

Peruse the list of qualifications. Think of a job posting like a recipe. This list is of the main ingredients for a candidate. If you don’t have the main ingredients, you can’t make a recipe, right? Maybe you can substitute here or there, but overall, if you don’t have the majority of them, your dish isn’t going to turn out right. The same is true if you’re a candidate. If you don’t possess about 90 percent of the ingredients listed, you have a slim chance of making the cut. If you have a strong connection at a company who insists he can get you around missing qualifications by presenting you to the hiring manager or human resources, it’s possible, but you’re still going to be compared to other candidates who may have greater qualifications than you. That brings us to the next point, which is essential for everyone — referral or not.

Cross-reference and revise your resume. This is so critical, yet so few people do it. Even if you are 100 percent convinced you’re the right match for the job, an employer won’t know that if it’s not actually written down on your resume. The qualifications tell you exactly what they are looking for, so it’s easy to know what your resume should say. Any qualifications that apply to you need to be specifically stated in your resume.

How can you do this? If they want someone with over two years of tax experience, don’t make them calculate your work experience. Write how many years of tax experience you have in your career summary at the top. If a posting says you must have strong experience with Salesforce, and you do, it better be in your resume. Otherwise, how will they know? Give them as much relevant information about you as possible to make their job easier.

[See: The 25 Highest-Paying Jobs That Don’t Require a College Degree.]

Follow directions closely. On the other hand, if you don’t have a strong base in Salesforce and the job requires it, why are you applying? It’s not that you can’t take a course or learn it, but if the employer clearly needs someone with solid knowledge of it, you’re not going to make the cut. Remember the golden rule from school: follow instructions closely. If you’re still convinced you can do the job despite not having the majority of the qualifications, dig deeper. Try to find a connection at the company. If you don’t have one, find a recruiter on LinkedIn and write to them about the specific job posting. Describe briefly what your background is and ask if they would be willing to take a look at your resume.

Align your transferable skills. There will be cases where you feel your skills are transferable to another industry or role, so you may not want to entirely give up on an application. However, you absolutely must make the connection between the skills listed in the requirements and what you’ve done to make it clear to the employer you can do the job. Here’s an example: You’ve worked in retail customer service roles and you want to apply for an administrative job in an office. Read through the requirements carefully and check off any that you’ve done or feel you’re capable of. For example, communication and problem-solving skills are important for both types of roles because you’re dealing with people and resolving issues. You must demonstrate examples in your resume of your communication and problem-solving skills and actually use the words “communication” and “problem-solving” when you describe them. If you check off a requirement that you think you don’t meet but feel you are capable of, you must come up with a personal example that aligns somewhat with the requirement to show that you have that skill — and use the skill words from the job description.

[See: 7 Excellent Sales and Marketing Jobs for 2017.]

The key to figuring out if you’re a good match is paying careful attention to the job requirements. The key to showing to the employer that you are a good match is coming up with examples of where you’ve demonstrated each of the job requirements and writing those explicitly in your resume.

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4 Steps to a Successful Job Application 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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