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College Ranking System Called “A Joke”

By degreeeditor

College rankings are certainly a big deal to at least some young students and their families. When the US News & World Report released its new list of Best Colleges recently, over 40 million people read it online. Did those readers actually find out much about the quality of the schools on the list? The more you learn about how the rankings are created, the more it starts to seem like the answer is: probably not. Maybe that’s why US Department of Education Secretary Miguel Cardona recently called these college rankings “a joke.”

Law Schools Boycott U.S. News

This week’s announcement by U.S. News & World Report that they would make changes to the way they ranked law schools was forced by a boycott both the magazine by Yale, Harvard, Stanford and a raft of other top law schools in the U.S. A key criticism from administrators of these schools is that U.S. News’ measurement of student debt levels make schools that serve middle or lower class students look bad, and that the earnings statistics celebrate students that go to high paying private sector jobs, while denigrating those who choose to take lower paying public service positions.

For better or for worse, students and their families have long invested massive amounts of money in certain schools based on how they’re ranked. A recent demotion of New York’s Columbia University from number 2 on US News’ list to number 18 could, according to some experts, cost the school tens of millions of dollars. A large school like Columbia with a huge endowment can probably absorb that kind of hit. But hundreds of less prestigious colleges across the U.S. can’t afford that type of loss, and spend a lot of effort every year to keep their rankings as high as possible. How these schools game the ranking system may produce more of a smokescreen than a useful tool if you’re shopping for a quality college or university.

Who’s Giving U.S. News The Info?

U.S. News & World Report’s chief data strategist recently told CNN that his company’s college rankings are based on “hundreds of data points within categories including graduation rate, resources and reputation.” He added that the rankings now incorporate more data on “outcomes indicators.” The problem is that most of these data points are reported by the schools themselves, resulting in a system where it appears the foxes are managing the chicken coop.

Faking Admissions Numbers

Two key ranking factors that have drawn criticism are admission rates and quality of students accepted. A school with a very low admission rate would appear to be highly selective, and in a position to accept only very strong students, right? Well, not necessarily. Not when you consider that schools have regularly tried to manipulate this number by encouraging more and more students to apply, even if they don’t have the qualifications for admission. Recent streamlining of the Common Application Form, which makes it possible to apply to multiple schools at once, has only boosted the number of applications more. But applying to a vast number of schools is pointless for most students. While the very top schools like Stamford and Vanderbilt may accept only 5% of applications, according to The Atlantic, the truth is that most colleges accept a far higher percentage of students. It’s simply not necessary for most students to apply to dozens of colleges.

But it’s good for the college’s rankings. The more applications they get and turn down, the lower their acceptance rate is and the more “selective” they can claim to be.

SAT Scores And Inequality

Another hot button issue is the use of the SAT scores of students a school admits as a measure of the school’s quality. The rankings have continued to based quality ratings on this factor, even as more and more schools have announced that they will not longer look at SAT scores in their admissions process.

But the blame for all the ongoing attention to rankings may lie partly with colleges and universities themselves. For decades, American schools have been notoriously opaque about what exact value they are delivering to their students. Schools that want to be seen as academic centers to the point where they actually shun the idea that they are providing job training have made little effort to outline the benefits their graduates get for their tremendous investment in tuition.

On the other hand, students shopping for a college aren’t exactly blameless either. It’s far easier to surf the U.S. New & World Report website for an hour than it is to do in-depth research on a school. Until prospective students want to take that real work on, college rankings will remain popular.

Filed Under: About

How to Save for College: Options for Every Parent & Every Budget

By degreeeditor

By Ann Lloyd, Student Savings Guide

If you’re planning for your child’s future education, the picture can seem daunting. Between 1985-86 and the 2017-18 academic year, the cost of attending a four-year university or college rose a staggering 497%, which was more than twice the rate of inflation.

winning when it comes to saving for collegeThat has made saving for college a lot more challenging than saving for retirement – where you can get help from 401(k) accounts – or just the plain old rainy day.

It’s hard to even estimate how much college will cost a few years from now, so the sooner you start saving, the better. But how much you can save will depend on your budget, as well as your and your child’s goals for college.

No matter what your budget, however, there are ways to save that can help your kids make it through with a minimum of student loan debt hanging over their heads for years down the line.

And that’s a real concern: What good is landing a good-paying job if a lot of your paycheck is going to student loans, and if you’re still paying later in life? While fewer people in their fifties are paying on student loans, those who are doing so have significant balances: an average of more than $42,000 for those in the 50-61 age bracket.

Gifts and loans

If your child racks up significant student loan debt, it can be tempting for you, the parent, to step in and help. But you may not have money in the bank to do so. One option is to take out a loan to help. If you decide to go this route, you’ll need to have good credit, and that’s something that will take time to build.

Check your credit report, resolve any late payments, dispute any errors, reduce your debt, and be sure to make future payments on time. Be aware, also, taking out a loan to pay off a loan may not be a good idea if your terms are worse than those on the loan you’re replacing.

If, on the other hand, you do have money to make a gift to your child, be aware of the tax ramifications. if you pay more than $15,000 a year, you’ll trigger a federal gift tax (although you can gift an extra $15,000 a year to your child’s spouse, if they have one).

Set up a 529 plan

A 529 plan is a state-run plan to help pay for education, which can apply to higher education or K-12 students.

You can choose from a prepaid tuition plan or a savings plan, which is more common. You contribute money to a savings plan and can choose how it’s invested. It can then be withdrawn to cover educational expenses, such as tuition, room and board, etc. Up to $10,000 can also be withdrawn to cover the cost of student loan repayment.

Under a prepaid tuition plan, you lock in current interest rates for children who’ll be attending years later, when rates will theoretically be higher. It just covers tuition, though.

The earnings from 529 plans aren’t subject to state or federal taxes — unless you use them for something other than education, which will trigger a 10% penalty. Plus, the money you contribute to these accounts is not tax-deductible. So, if you’re not sure whether your child will go to college, this may not be the best option for you.

Put money into a savings account

Putting money into savings is perhaps the most straightforward and traditional way of saving for college. On the positive side, it’s a low-risk move, especially if your bank and account are FDIC insured.

It also offers you some flexibility, because you’ll be able to use the money anywhere: at a community college, a four-year university, or elsewhere if your child decides to forgo college altogether. Money is money, and it can be used as a down payment for a house, moving expenses to relocate for a good job, or anything else in the long run.

Another upside of a savings account is that it can involve your kids by opening a joint savings account with them, teaching them the value of saving.

The downside is that savings accounts earn modest interest: The highest rate available carries an annual percentage rate of 0.7%, which is less than the rate of inflation, even in most good years. Here’s a list of the best high-yield savings accounts in 2021.

Purchase savings bonds

Bonds are another old-school way of saving for college. Back during World War II, Americans were urged to buy bonds in support of the war effort. Many patriotic citizens did just that, and put them away for their kids or grandkids to use on college tuition.

Of course, tuition was a lot cheaper then, and bonds have fallen down the list of ways to save since then. Still, they are an option that’s available to you as long-term investments. You buy them at less than face value; then they generate interest over the next 15 to 30 years, at which point they can be redeemed for their full value. Before that, you’ll get less; afterward, they stop earning interest, so there’s no point in holding on to them.

cds, bonds and other smart ways to pay for collegeA 30-year Treasury bill, like an FDIC-insured savings account, is secure because it’s backed by the government. Also like savings accounts, however, government bonds are not high-yield options and may not earn the kind of interest you need to send your child to college.
Pull money from your Roth IRA
Roth IRAs are meant for retirement, but you can withdraw the principal at any time for any reason — including your child’s education. You can’t, however, touch the interest you’ve earned without incurring a penalty before you’re 59½.

Also worth considering: The more you pull from your principal, the less you’ll be earning for your retirement, so you should either be comfortable with what you’ll have left or have an alternative plan to make up for it.

Buy CDs

Certificates of deposit are another way you can save for your child’s education. When you buy one from a bank, you give that bank the right to use your money for a specific period of time. In return, the bank pays interest.

CD interest rates are generally a little better than those paid by savings accounts. And like savings accounts, they’re safe if they’re purchased through a federally insured bank.

These are some of the many options you have when it comes to saving for your child’s future education. If you’re unsure which works best for you (you can always employ a combination), consult with a financial advisor to come up with a plan that makes sense.

Filed Under: PayForDegree

How hard is it to make money as a college micro-influencer?

By degreeeditor

college instagram influencersLots of brands that have fallen out of love with advertising have now glammed into the influencer – the social media star who gets paid to recommend products to a vast number of loyal followers. An even newer flavor is micro-influencer – the guru with small number of college student followers, perhaps at only one school, — who presumably has a closer relationship with his or her “audience.” How do you become a micro-influencer and start collecting checks for your recommendations?

Influence Is All On Social Media Today

Influencers used to work mainly thru WordPress blogs. But those days are over. The game is now played almost entirely on social media. This can make it hard to get started as an influencer, because Facebook, Instagram, Tik Tok and other platforms all work a bit differently. And no matter which ones you choose, it can take a pretty significant effort to find and keep followers in a world where people are constantly jumping from one app to another on their phones.

Generally speaking, a micro-influencer will have somewhere between 10,000 and 50,000 followers. The value of an audience like that varies a great deal from platform to platform. A post on Tik Tok to an audience of that size may net you only $25., while a Facebook post may be worth more than $1,200. Instagram has gradually evolved into the platform where the greatest number of influencers post, but it doesn’t always net the highest rates from advertisers. You can find an excellent rundown of rates and posting types for influencers here.

Building Followers As An Influencer

Before getting too excited about raking in money as an influencer, it’s a good idea to think beyond the numbers a bit. If you want an audience to follow you, you better have a whole lot to say about something that interests them because you’ll need to post new content on a consistent basis. You will need to be very, very interested in a particular topic in order to be able to do that. And most importantly, you need to focus on a top area where there are lots of advertisers looking to reach people your age.

You’ll never get money, for example, writing about baking cookies, because nobody has to buy anything expensive to bake them. Cosmetics are a different story. They can cost a good deal and there are lots of companies just dying to sell them to college students. Be aware that most of the social platforms today are very picture-based. That means that if you want to be a cosmetics guru, you’ll have a much better chance of success if you’re a girl who likes to put on makeup than if you’re a football player with a beard. If you’re at the beginning of this process it’s a good idea to look around the social platforms and see exactly where other influencers are succeeding at selling products.

The good news is that if you’re a college student, you will probably be very aware of which social platforms are most popular among your friends. The bad news is that building a following nowadays is almost never free. Facebook, Instagram and just about all the other players in the market want to charge you for exposing your content to people. The costs of this can seem low at first blush, but when you consider that only a small percentage of people who see your posts will actually become followers, you’ll realize that audience building takes a sustained effort and a willingness to spend some of your cash.

Why Brands Need Influencers

Being a micro-influencer can be a nice way to earn some extra money as you work your way through college. Advertisers are interested in college influencers because they believe that young people haven’t settled on their favorite brands yet and can be convinced to try new things, The keys are to find a topic where you’ll be a good representative for key brands, and to work on building your audience consistently, but not so much that it gets in the way of your schoolwork.

Filed Under: Blog

Recommended: Free Software That’s Great For College Students

By degreeeditor

Recommended By Success Degrees Editors:
So you’re headed off to college…or maybe you’re taking an online degree program from your desk at home. Either way, you’re about to be asked to create lots of different types of reports and research projects in different formats. You’re gonna need some help. Fortunately, a good deal of help is out there in the form of the many free software apps now available online.for college work get this free software

Here are our favorites. We’ve ranked them by simply taking them for a test drive and seeing ourselves how well they perform. Our editors’s choices for 2021:

  1. GIMP for Image Editing

    GIMP is our number one ranked free software tool. Photoshop costs anywhere from $100 – $200 plus for an annual subscription. GIMP is a picture editing app we love that you can download for free here. It’s a super-powerful software that works well whether you’re doing quick edits or professional level work. There’s a bit of a learning curve with it – some would say it’s a little less user-friendly than Photoshop. But it won’t take you long to be doing rapid edits. The fact that GIMP is a downloaded app that resides on your computer is good if you are using any kind of good quality digital camera. Good cameras create images that are such large files that it’s often hard or even impossible to edit then with an online photo editing software. You won’t have that problem editing gif, JPEG, TIFF or PNG with GIMP, which is compatible with Mac, Windows or Linux.
    An alternative photo editing software is PIXLR. This is an internet based app that’s great if you want to quickly resize, crop or improve the color saturation on a picture. You do, however, need to have Flash Player on your machine to use it. TIP: When you go to https://pixlr.com/editor/, you’ll get a choice of PIXLR X, the simple version, or PIXLR E, a more professional version that is no longer free after a 30 day trial. For most college students, the X version will do the job.

  2. Zotero for Research Organization

    You’ll have a hard time finding another tool that can simplify a complicated job as effectively as Zotero. Are you doing complicated research papers that require lots of references? Zotero is designed to help you keep your sanity by organizing them in one place and linking them effectively to your document.

    There’s a cool tool included called Zotero Connector that allows you to save content directly from your browser window, with tags and notes that allow you to retrieve and write from it more quickly. Zotero also hosts a pretty robust forum where you’ll be able to find help with any tech problems you have and a “groups” application that’s useful if you’re working on a project with other students. It’s compatible with Windows, Mac and Linux.
    Download Zotero here.

  3. SoftMaker Free Office Tools

    SoftMaker is a free alternative to Microsoft Office that’s well worth a try, particularly if you’ve found, like us, that Microsoft Word is one of the most glitch-laden pieces of software on earth. SoftMaker mimics Microsoft Office with word processing and a presentation program that’s an alternative to PowerPoint. It’s a free download, though a subscription fee is required if you want to work with the very useful Thesaurus app and certain other features. It’s compatible with Mac, Linux, Android and Windows. PCMag has called it “the best desktop-based alternative to Microsoft 365.”
    Download SoftMaker here.

  4. Audacity for Sound Recording

    When it comes to sound and music editing, its tough to beat GarageBand for ease of use. But many of the free sound editing apps available online are super geeky and tough to learn. The most user-friendly one, we think, is Audacity. With it, you can do basics of music recording like overdubs, editing, splicing, mixing and converting to just about any format you want for export. There’s a really nifty “noise reduction” feature that allows you to quickly remove background room noise from an entire track, which is great if you’re working in a less than professional studio. If you want to double track by playing a second track acoustically with something you’ve already recorded, you’ll have to do through a slightly complicated procedure in order to get rid of the delay that’s known as redundancy. Certain other features can be a bit glitchy as well. But it’s nowhere near as complicated as ProTools which means that it can actually be fun to work with rather than a major technological challenge. For free, this is a nice application. Get Audacity free here.

  5. Copyscape

    We’re cheating a bit putting Copyscape in the article, because it’s no longer absolutely free. Each search costs three cents. But that’s a pretty tolerable price to find out if a paper you’ve written has too much content copied out of other sources. Everybody cuts and pastes info from sources into their term papers, but this is a nice little app to tell you if you’ve re-written things adequately, or if you’re likely to be accused of plagiarism. It’s good to do a check, because there’s no reason your professor can’t use this app to check on you. Get Copyscape here.

  6. Googledocs

    Google Docs is so popular that it’s practically guaranteed that someone will ask you to use it to work with them on a project. The good thing about Google Docs is that it’s functions – changing fonts, tracking changes, downloading docs in various formats – will all seem familiar to you because they closely mimic Microsoft Word. We love the fact that Google Docs autosaves your work as you write, so you won’t lose anything if you forget to save or have an internet outage. The one pain about this application is that setting people up with permission to collaborate isn’t always simple. Sometimes people forget what email they used to sign up for Google or Google Docs, and it can take a bunch of emails among collaborators requesting and granting permission to get everyone on the app. Google Docs is free. Sign up for it here.

  7. AVG Antivirus – Free

    The free version of AVG is a favorite recommendation of IT folks. It gives protection against malware and other bad actors online, and scans your incoming emails for viruses. One downside is that the application can eat up a lot of disc space when it’s fully installed. Another is that once you’ve got the free version on your machine, you will be bombarded with messages trying to get you to upgrade to the paid version and you’ll have to do lots of updates manually. However, that’s pretty much the same story as with other “freemium” type applications online. Compatible with Mac, ,IOS, Android and Windows. Get AVG here.

  8. Ccleaner For A Faster Laptop

    Here’s a decent little app designed to speed up your computer. If you download a ton of software apps, which most of us do, your machine is going to slow down as memory gets used up. Ccleaner gets rid of unnecessary temp and other files that clog up your hard drive. The truth is you can do this all manually if you want to learn how, but if you want to get it done with the single click of a button, Ccleaner is nice to have. It works on PC or Mac. Get Ccleaner here.

Filed Under: Blog

Coding Bootcamps Vs Computer Science (CS) Degrees

By degreeeditor

The tremendous demand for skilled coders has led to creation of hundreds of coding academies across the U.S., most of which are for-profit. Bootcamps attract students with a lower price tag and a much faster program than a college degree. Most also claim to give you solid skills that will lead to immediate employment in the tech field, rather than “academic” type training. But there are some important questions you should answer before choosing a bootcamp vs a more traditional college degree in computer science.coding academies and cs degrees explained

Bootcamps aren’t really a new idea. Super focused “trade” or “vocational” schools for computer programming have been around for many years. A bootcamp can make sense as a way to get an entry level position in tech – if it actually delivers the promised technical training. College CS degrees, on the other hand, provide a more rounded education that is seen as a plus by some employers and can equip you with management, communication and other skills you’ll need to move up the corporate ladder into management type position eventually.

Pick A Coding Bootcamp That Works

Coding academies operate under a mish-mash of national and regional regulations. In truth, though, they live in a “wild west” where regulation is unclear. There have been many cases where a coding school has failed to get it’s grads hired or, even worse, turned out to be a total scam. Because bootcamps aren’t accredited (more on accreditation below) you will not be able to get a federal grant or loan to pay for one – the cost will rest entirely on you. Here’s a process to follow that can help you pick a good one:

bootcamp coder jobs

Picking the Coding Skills You Want

Bootcamps focus on teaching the “hot” programming languages and frameworks, including front end languages such as JavaScript (students are generally assumed to already know simpler languages like CSS and HTML) and back end frameworks like Ruby on Rails, Python and PHP. Learning is done through working on projects involving web development, UI/UX design, Blockchain and Machine Learning.

Two important things should influence your choice of a coding academy. The first is whether you want to study multiple languages or focus in on one in particular that can lead you to a specific type of job. It’s perfectly fine to study several frameworks – you don’t necessarily have to know exactly where you want to work before you start your studies. Key issue number two is the question of how advanced your technical knowledge is right now. Code camps such as Flatiron School and DigitalCrafts are set up to bring beginners up to speed quickly, while schools like Hack Reactor and App Academy are more geared to students who already have a strong basic tech knowledge and who may have even worked already in IT, who want to move quickly into mid to higher level tech jobs.

A third question too many students overlook is: “Do I really have any aptitude for coding?” Writing code pays well because it isn’t easy. Frankly, it can also be a pretty lonely kind of job. If you’ve never actually worked in tech, it’s advisable to at least take read a few books on it or take some coding classes on YouTube to see if you’re comfortable learning it before you sign up for an intensive academy program.

Code Camp Cost

Coding camps cost less than college, but they’re not exactly cheap. At the time of this writing, most coding camps are priced in a broad range between $15,000. – $20,000. for a 12 or 14 week program that results in you getting a certificate.

As we’ve mentioned, you can’t get federal Pell Grant money or loans to pay for them a coding camp, as you often can for a college CS degree. However, because these camps have exploded in the past 10 years, there’s now cutthroat competition among them for students. Many of them are offering creative ways for students to pay, including deferred tuition or income share agreements where the camp will take a part of your salary for a time after graduation to cover their fee. Hack Reactor, for example, allows you to pay for your courses after you get employed, while Wyncode will have you pay your tuition back only when you get a job paying $40,000. per year or more.

What’s the Value of A Coding Academy Certificate?

Most camps confer a certificate on students at the time of graduation. But the certificate itself has little value. You want to know what a camp will do to make sure you get hired after graduation, and how successful previous grads have been. At a bare minimum, you should leave a coding camp with a portfolio, a quality website to show employers and a knowledge of what to say in a job interview.

Don’t believe too many of the promotional materials you’ll see from the academies. They all tend to promise very high rates of job hiring and great salaries for their graduations. But many of the camps have gotten into trouble with regulators because these numbers are exaggerated. To protect yourself, make a point of find one or two graduates of an academy and ask them if they got real help in finding a job after graduation. Even better, find a way to have a conversation with someone in tech management, and ask them what they think of the quality of the camp you’re considering. They’ll be able to give you the unvarnished truth.

Does Accreditation Really Matter With Coding Bootcamps?

Strictly speaking, the answer is no, because employers generally know that almost none of the bootcamps have traditional regional accreditation. But there are a few organizations that rate the quality of bootcamps that it doesn’t hurt for you to look into. Several groups designed to certify the quality of code camps have come and gone. The most credible one at the moment is the Council on Integrity in Results Reporting (CIRR). It allegedly provides transparent data on graduation rates and earnings of graduates of member bootcamps. It’s a good idea to look at their website, but don’t consider them gospel. Some of the bootcamp companies that have helped create quality assurance councils in the past have nonetheless wound up getting in trouble for reporting exaggerated results. Alternatively, you can look to sign up for courses with company certifications. IBM, for example, certifies the quality of data science courses at some bootcamps.

What About A College Computer Science Program?

College and university tech programs generally operate under the accreditation of their parent school, which means you can get various types of student aid and loans to pay for them. They will take longer and cost more than a bootcamp – a bachelor degree in CS is generally a four year commitment. But it will usually provide you with valuable “soft skills” like time management, public speaking and teamwork that large corporations in particular tend to value highly. Additionally, a college will probably have many different course options you can take as you go through your studies and begin to hone in on exactly what you are good and what you want to study. You just need to balance that benefit against the fact that some hard-core techies consider a college degree to be too “academic,” and that typical estimates for the cost of a full CS degree now range well over $60,000.learn coding faster and cheaper

Coding Academy Within The College

An interesting new wrinkle has emerged, as some universities have actually acquired coding academies. The University of Southern New Hampshire University (SNHU), which has often taken an innovative approach to alternative learning programs, announced in March of 2021 that it was acquiring Kenzie Academy, which offers software engineering, experience design programs and business-to-business programs. Kenzie will now operate as a nonprofit entity under Southern New Hampshire’s umbrella. Not addressed in the school’s announcement is whether or not Kenzie will share in SNHU’s high quality regional accreditation. Kenzie offers short term and full-length programs that range in cost from $10,000. to $20,000. Other schools including Case Western, George Washington University and Rutgers have also built or purchased coding bootcamps.

Both a CS Degree and an Academy Certificate?

Finally, keep in mind that these two options aren’t mutually exclusive. It’s not unusual, in fact, for someone with a college CS degree to take a course or two at a coding academy in mid-career to boost his or her skills.

Filed Under: Technology

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