Financial Stress & College Debt- How Bad Is It??

Student-Loans

In A Generation Hobbled by the Soaring Cost of College, Andrew Martin and Andrew Lehren reported that in the year 2012, the country had over $1 trillion in student loans!! More specifically, they found that in 2011, the average amount that each graduated college student owed was $23,300.  In addition, it is predicted by the Department of Education that the annual average cost of a public college education will be more than doubled in only 15 years. With this amount of debt, it is no wonder graduated college students are facing tremendous financial stress after college.

“Most students remain worried about money and the cost of required academic materials, and the impact is worse for minority students, the National Survey of Student Engagement finds.” According to the survey results provided in the article, Students Still Financially Stressed, from 2012 to 2015, senior college students have increasing percentages of financial stress. Approximately 60% of college students have reported frequent financial worry. Interestingly enough, it was found that financial stress did not tremendously effect student academic performance, and in fact only sacrificed one hour of work. In addition to transportation, housing, and enrollment costs, textbooks can cost an additional several hundreds of dollars.

“An analysis finds a steady rise in the proportion of college graduates paying too high a percentage of their annual income to repay student loan debt.” In a recent article, More Grads Have ‘Excessive’ Debt, Doug Lederman discusses that approximately 1 in 4 students out of college are required to pay nearly 10% of thier monthly income.

Building Resilience and Grit In Students

resilience1

Edutopia has compiled a collection of videos, interviews, and articles that focus on fostering and building resistance and grit in students.  Although the focus is on younger children, the resources here would be valuable for pursuing “resilience” as a possible First Year Experience (FYE) theme. The resources are divided into six different themes, which include; nurturing resilience, fostering grit, teaching growth mindset, managing stress, learning from failure, and responding to trauma and tragedy.

PERTS: Project for Education Research That Scales

2013.11.29-Growth-Mindset

What is PERTS?

PERTS (Project for Education Research That Scales), located at Stanford University, is a center for applied research that focuses on academic motivation and achievement. PERTS team members conduct research that explores ways of improving motivation, using the information they received from partnered schools, colleges, and organizations.

The PERTS website provides many great resources for teachers, students, and other professionals. The site lists projects that are currently being conducted by PERTS team members. PERTS publishes findings from relevant literature that support student motivation. Research has shown that students will achieve more motivation if they are in a resilient environment. Having a “growth” mindset encourages more success and motivation within the classroom. The PERTS program is dedicated to helping students maintain a growth mindset that will foster motivation and success within the classroom.

In addition to literature on academic motivation, the website includes a Mindset Kit that contains resources on mindfulness techniques for teachers, parents, and students. The resources are divided up by categories for: teachers, parents, math, and team educators. In each category there are lesson plans that lead each mindfulness training technique.


Carol Dwek, author of “Mindset: The New Psychology of Success”, describes the two types of mindsets, fixed and growth. In her book, Carol explains the benefits of a growth mindset, and how to obtain one. In addition, she describes the short-term and long-term outcomes of each mindset. The PERTS program appears to be grounded from Carol Dwek’s growth and fixed mindset theories.

In 2014, Carol Dwek presented “The Power of Believing That You Can Improve” during a TEDTalk. The short video clip gives great background information on the power of the growth mindset. Edutopia provides a clip Carol Dwek discussing “Envision Education” and its success with student motivation and academic success.

Veterans in Higher Education

Stock Photo by Sean Locke www.digitalplanetdesign.com

Stock Photo by Sean Locke

A recent survey poll on veterans reports that although Veterans are the most financially stable, less than 1/3 of the Veteran student population believe their needs are being met in higher education. In contrast, those who attended college while active on duty reported much higher percentages of having their needs accommodated for.

Recent articles, White House Push on Veterans’ Education and Obama Takes Steps to Assure Quality of Education Programs That Recruit Veterans, report on the release of a new designed GI Bills Comparison Tool that will allow Veterans to compare colleges according to student graduation and retention rates. In addition, President Obama is “calling on Congress to pass a trio of bills that would:

  • Require colleges that receive money through the GI Bill to meet state-specific criteria for accreditation, certification, and licensure (HR 2360).
  • Give the administration the authority to reinstate GI benefits for students whose colleges close in the middle of a term (S 2253).
  • Replace the 90/10 rule with an 85/15 rule.” –Kelly Field

The Starbucks Corporation recently announced that the company will provide all Veteran or active duty employees with a free tuition admission (Bachelor’s degree) for the employee’s child or spouse.

November 17th Provisions Session: Teaching Non-Traditional Students

**To access the podcast from the session, click here.**

Our third Provisions session of the year explored the theme of Teaching Non-Traditional Students. Presenters shared previous experience with teaching non-tradtional students, and effective strategies for improving success for non-traditional students. An audience of approximately 40 faculty and staff members attended to hear presentations from Katherine Voegtle, Professor of Educational Psychology, Deborah Reyome, Assistant Professor of Social Work, and Shawn Sutton, President of the Student Veterans Association.

Kathy Voegtle started off the session by discussing her view of non-traditional students as extraordinary (click here for her presentation). By this she meant that non-traditional students have an abundance to offer to both professors, and other students within the class. Kathy proceeded to discuss what it meant to be a non-taditional students, and what sort of characteristics are common of non-traditional students. Some characteristics she mentioned were, older than 22 (or possibly 24), financially independent, part-time course load (in some cases full-time), possibly could have previously attended college, commutes to campus, varying sociodemographics, and enrollment in a “non-traditional program”. Kathy spoke about the statistics of non-traditional students in college, but highlighted that 51% of all students are from low income backgrounds. Kathy noted that low income students are now considered to be “traditional.” Throughout the presentation,  Kathy emphasized that non-traditional students face numerous challenges, including financial pressure, alienation, insecurity (even though these students tend to be the best in class), time management, unpredictable life situations, and campus navigation. Kathy noted that professors also face challenges when teaching a class with non-traditional students, such as finding the time to be accommodating. As professors, it is important to consider the developmental level of students, as well as to embellish on individual student strengths. Many non-traditional students are adult learners, which may create challenges for professors and other students in the classroom. Adult learners are typically more engaged, which means that they ask more questions, challenge conclusions, and engage in more critical thinking. Kathy ended with emphasizing the importance of enjoying the journey, including the challenges, feedback,  and outcomes that are experienced along the way.

Next to present was Deborah Reyome, on “The Do’s, The Don’ts, and the Having Said This…“. Deborah began her presentaion with a broad overview of non-traditional students, reiterating much of the information Kathy presented. In her discussion about what to do as a professor when teaching non-traditional students, she mentioned the importance of recognizing student needs. Non-traditional students may often have a variety of needs, that are different than those of traditional students. One way in which Deborah accommodates the needs of her non-traditional students is by offering phone appomintements for those that may be unable to make it to her office. Deborah proceeded to explain some of the challenges that she has had with other students in her classroom. She shared a personal experience about an older student (maybe in her 50’s) who often spoke up in class. Two of her “traditional” students engaged in non-verbal cues (eye rolling) whenever the older student spoke up. Deborah shared that she made sure to speak with the two students about how their behavior in class appeared to be rude. This is a clear representation of the kind of struggle that a professor may face in a classroom with both traditional and non-traditional students. In her discussion of what not to do, Deborah emphasized 3 main ideas, 1- not to take behavior personally, 2-not to forget you have an obligation as a teacher to promote respect in the classroom, and 3-not to forget your role as a teacher and the purpose of the class. Deborah ended her presentation by discussing the importance of recognizing the strengths of non-traditional students, such as thier dedication, real world experience, and rich contributions to the class.

Last to present was Shawn Sutton, a current “non-traditional” veteran student at the College of Saint Rose. Shawn started off his presentation by explaining how and why veteran students are different from traditional students. A common theme throughout his presentation was that veteran students do not commit to school for a career, instead they want to better themselves and those around them. Veteran students perceive education as a way of bettering their lives, as opposed to the traditional student that perceives education as a career path. A second theme of his presentation was that veteran students have a different mentality than traditional students. The military has taught him to put the group’s needs before his own individual needs. This can be problematic because he, and other veteran students, may keep questions to themselves so they don’t interrupt the rest of the class. In addition, Shawn spoke about how veteran students may not ask for help because of the phrasing that professors use. Veteran students perceive “accommodations” as special treatment. Shawn argues that instead of using the word “accommodation” to offer help,  professors should use the word “adaptation.” Shawn then proceeded to talk about many of the misconceptions that some professors have about veteran students, such as perceiving them as victims. Shawn ended the presentation by shedding awareness to the identity crises that veteran students face, while trying to become a “citizen” again.

Following the presentations, the floor was briefly opened up for discussion and questions from the audience.

CoVisions: Provisions’ Sister Program

CoVisions, sponsored by the Office of Student Affairs, seeks to invite presenters to discuss innovative collaborations and observations that address contemporary issues and new solutions within the changing nature of higher education. CoVisions, like Provisions, allows for faculty and administrators to share insights with one another regarding current issues in higher education.

We are delighted to share with you the recent CoVisions session held on Monday, November 2nd, on the theme of Academic Advising. The esteemed presenters included: Dr. Christine PfisterDr. Kelly Meyer, Director of Academic Advising, and Dr. Shai Butler, Associate Vice President for Student Success. Each of the presenters shared their perspectives and has graciously agreed to share their prepared presentations for those that were unable to attend.

The session began with Dr. Christine Pfister on “Advising – Responsibilities and Opportunities.” Dr. Pfister shared her own experiences and evolution as an advisor. She polled students to get a sense of what they wanted their advisors to know and do:

  • Remember that many students are not familiar with college policies, protocols, and procedures
  • Help students see and understand how their major and the Liberal Education curriculum fit together
  • Think about the implications of their credit load
  • Get to know them as students–not as a number!

Advisors serve a key role and it’s increasingly one that moves beyond academics to include:

  • Being a resource and soundingboard for questions about graduate school
  • Helping students navigate financial aid
  • Starting a resume

Next in the line-up was Dr. Kelly Meyer on “The Evolving Role of Academic Advisement.” Dr. Meyer provided a useful and succinct overview of the changing theoretical perspectives on advising. In the 1970’s, advisors began to move away from a more traditional prescriptive model and towards a “developmental advising” model. This move meant paying much closer attention to student development–cognitive and emotional–and was primarily concerned with facilitating the student’s rational decision making process. Later there was a shift to “intrusive advising,” that involved deliberate outreach at certain moments and to certain groups who needed orientation assistance.  Most recently advising has been looked at as a critical form of teaching and learning. Here at Saint Rose, we have included the best practices from all models:

  1. Intrusive–which means deliberate intervention (such as our First Alert system)
  2. A strong developmental sensibility (attentive to the challenge of making transitions and developing resiliency)
  3. A commitment to helping students develop an awareness of the “logic of the curriculum” and “mature autonomy.”

The final presenter was Dr. Shai Butler, on “A Piloted Systemic Approach: The Student Outreach System (SOS).” Dr. Butler explored the new campus developments that have been designed to assist advisors to support students throughout their college experience. The main focus of the system is to make the registration process an easier and less stressful experience for students. Several goals were achieved from the use of the SOS approach, including:

  1. Creation of systemized approach to the registration process
  2. Contribution to efforts to increase student retention
  3. Intervention with students that may be at risk of attrition
  4. Distribution of communication tool to inform the number and types of contacts

Teaching Non-Traditional Students: November 17th Session

What exactly is a “non-traditional student”? 

There are numerous components to what constitute a non-traditional student. The NODA-Association for Orientation, Transition, and Retention website, provides a brief overview of what a non-traditional student is. Basically, a non-traditional student is any student that does not complete college directly after graduating High School. Typically non-traditional students are over the age of 24, are enrolled part-time, commute to campus, already have a full-time job, and have children and or a spouse that are dependent on them. There are many more characteristics that can describe a non-traditiona student, but the few listed above are the most common. The NODA website briefly describes the importance of making an effort to improve the college experience for non-traditional students. At the end of the piece, NODA provides several resources for non-traditional students, college professors, and other educational professionals to access.

Due to the juggling of other responsibilities, non-traditional learners can face numerous challenges in obtaining their degree. In Prospectus, Scott Barnes wrote a piece, “The challenges of being a non-traditional student” in which describes some of the challenges a non-traditional student may undergo. Scott writes about an adult re-entry advisement center that helps non-traditional students make the transition into college. He reports on ways in which advisors can support and promote academic success in non-traditional students. Scott also mentions a piece about non-traditional learners having more focus and determination, due to more life experience.

In Success for Adult Students, Stephen G. Pelletier discusses ways in which universities can improve to make college a more successful experience for non-traditional learners. Stephen provides a great overview of some of the challenges that are faced by non-traditional students. Some of the challenges that are mentioned in the article include: juggling between home and school responsibilities, trouble with transitioning to college class characteristics, confusion about the system of college, problems with credit transfer, holding different expectations, and having different learning styles (as all students do). I think the following sentence does a great job summing up non-traditional challenges:

“One problem for adults is the constant, competing tension between life obligations and educational obligations.” – Jamie Merisotis

 CTE Clearinghouse provides an extensive list of resources for educational professionals to access, including websites, podcasts, journal articles, and videos!


Please join us for our upcoming Tuesday, November 17th session on “Teaching Non-Traditional Students. Our esteemed presenters for the November 17th session include:

Katherine Voegtle, Professor of Educational Psychology
Deborah Reyome, Assistant Professor of Social Work
Student Veterans Association

Provisions’ sessions are from 12:-00-1:15 in Standish A&B. All are welcome and no reservations are required. Free lunch and refreshments will be available! Hope to see you all there!! :)

 

Follow

Get every new post delivered to your Inbox.