Will State Universities Soon Have Higher Tuition Than For-Profit Schools?

The tradition of public state universities being a cheaper but high quality alternative to private colleges is dying fast, as states across the country melt down financially, forcing their public university systems to hike tuition again and again.

California has the dubious honor of leading the pack this year, as a result of having boosted tuition to it’s state universities by a whopping 21% for 2011-2012 over the previous year. At an annual cost of $9,022. for tuition (before room and board expenses), the sunshine state’s public schools of higher learning are fast becoming a non-option for lower income students. Others on the financial stress list include Arizona, which just hiked it’s public university tuition rates by 17%, and Georgia, which just cranked it up 16%.

Unfortunately, with state governments facing budget problems that are generally much worse than the federal government’s, it seems likely that tuition will probably keep going up. Suddenly, it looks quite possible that public school tuition will catch up with or even surpass tuition at for-profit colleges, a group often villified for burdening students with too much debt. With the for-profits charging an average of $14,467. in annual tuition according the The College Board, the cost gap is narrowing between them and state universities. Were California to keep on raising tuition at 21% a year, it would take the state’s schools just three years from now to surpass the average tuition rate for a for-profit school.

Big Name Colleges And Big Student Debts

Student loan debt has been in the news for a while now, and not for positive changes. First, the government took away deferred interest on graduate loans; now, a new report from the New York Federal Reserve states that student loan debt is reaching the $1 trillion mark, making it about equal with this country’s credit card debt. The problem? Students are taking out large loans to attend “good” schools to get better jobs. However, the economy can’t support all of these new graduates, so students are having trouble finding jobs with wages they can live off of, let alone pay off their exorbitant debt (a large point of contention amongst the “Occupy Wall Street” protestors right now). The old university system is crumbling; degrees from big name (read: expensive) schools don’t always get you the job, and the rate of inflation for salaries for those who do “get the job” is not increasing as quickly as the debt of student loans.

But don’t let all of this negative publicity scare you off from going back to school all together. Do your homework and find a solid program with a reasonable tuition rate. Save costs by checking out online programs, which not only eliminate room & board and commuting costs, they’re flexible enough for you to keep working while going back to college. By keeping your debt manageable (and possibly paying a portion of it down while you go to school), you can usually pay it off more quickly after graduation and avoid the pitfalls so many current graduates are facing.

Find out about online degree programs with low tuition rates.

Good Times Ahead For Medical Coders

With newer and more complex standards emerging for the entry of medical bills into various billing and insurance systems, it looks as though there will be a big shortage of skilled medical coders in the future. This is a career that can pay $80,000. per year or more, and doesn’t require a college degree, according to Forbes.

Well, it does generally require a certificate or diploma, and coders who have an associate’s degree can tend to get the higher paying jobs in this field. Coding offers some great advantages like the ability to work from your home or, in some cases, work on a part time basis. There can also be long term advantages, since coders can become so skilled in the insurance system that they can often move up to jobs in claim analysis or other analytic functions in the insurance industry or in large health care facilities.

Here’s an update on the coming growth in medical coding from Forbes.com
And a more in-depth explanation of medical coding careers and training opportunities.

Steve Jobs’ Cultural Institution

For me, the transition from the old world of PCs to Steve Jobs’ platform came only recently. One spring day I found myself at the Apple Genius Bar on 14th street, with an appointment to have my son’s Mac Book looked at. I’d given it to him two years earlier at the start of college, and the poor thing now looked like it had been run over by a truck. My son had procured yet another Apple computer, and I was looking to get this one fixed so I could start recording music on a sweet little program called Garage Band, a product that made creativity easier and more democratic, like so many other things from Apple.

It took me about 10 minutes to decide that the Genius Bar was the greatest place in New York. At a table next to me, a bunch of six year old kids played games on computers with big white screens and the iconic bitten fruit logo. Halfway across the room, a lady in her seventies was wrapped up in lessons on how to use her new Mac. Along the wall, a parade of humanity sat waiting to get their phones and other devices fixed: America, Asia, Europe, Africa – the world’s citizenry chattering, pressing buttons and rubbing shoulders.

“This place is great,” I said to the kid with the Apple badge, assigned to watch over all of us waiting to be seen. “Yeah,” he said, brushing his hair off his forehead, “To me this floor is really a cultural institution.” He’d hit the nail on the head. After all, what is culture but the sharing of information in the most elegant ways possible?

It’s easy to over-estimate the importance of what Steve Jobs created at Apple. Ride any commuter train home at night, and you’ll hear people yammering on their gleaming iPhones: “What should we have for dinner tonight? Chinese or Italian. How about Chinese…No how about Italian…No maybe Chinese….” Hardly world-changing stuff.

But it’s also easy to underestimate his accomplishment. For starters, he decoupled the words “American” and “junk” from each other for the first time in decades. Since American culture exploded across the world in the 1960’s via blue jeans and Rock ‘n Roll, and then ebbed sadly and completely, nobody has made America cooler than Apple has the past 10 years.

And that’s very important. Steve Jobs succeeded by enforcing the concept that producers should adhere to a level of excellence dictated by their customers, and not the other way around. He charged a lot for his devices, but he insisted that his company be driven by one outrageous idea: that people are not stupid. That’s a subversively democratic world view.

Many have taken issue with the “hero worship” culture built up around Jobs. It must be said, though, that he was smart enough to see how it could empower him to pursue a singular vision without caving in to the sorts of bean counters and stock traders who have mediocritized so many other American companies.

Publishers and others who deal with Apple on a business to business basis will tell you it’s not the nicest company on earth. But the consumers, who Jobs focused on relentlessly, understood that each slick new accessory he brought along did more than make them look good. It made them feel smarter and more capable. And that’s a culture America can never have too much of.