Money Matters…Increase Funding for Your Education

Part of being a successful college student is knowing how to navigate college finances, because finances can directly impact your academic success on so many levels. One of the first challenges is understanding your funding options – in other words – the financial aid process. Towson University’s Financial Aid Office and the Department of Education Student Aid websites provide excellent relevant and current information to help you navigate this ongoing process.

2014-10-20_0857 A very important thing to note is that each year your must re-apply for financial aid, which begins January 1.  The FAFSA is free – so don’t pay any money to complete it!  TU’s priority deadline is March 1, but it can take about two weeks for FAFSA to process, so it is recommended you complete it by mid-February.  Use Valentine’s Day, February 14th as a way to not only remember your honey – but also your money!

Meeting the March 1 priority deadline is most important because it is your best chance for getting the most financial aid for which you qualify. Also remember two weeks after submitting the FAFSA to login and make sure the Estimated Family Contribution field is not blank, all other information is correct and there are no error messages.

A common response to submitting the FAFSA by February 14 is that I’m a dependent and my parents haven’t completed their tax return (which has a April 15th deadline).  If this is the case, provide estimated tax return data for the previous year using W2s, 1099s and other tax reporting documents, because they must be issued by January 31 of each year.

But what if I miss the priority deadline, can I still apply for financial aid?  The answer is yes – but you may not receive as much funding.  For fall, the last date to apply is November 15 and for spring it is April 15 of each year.

When it comes to your award notification – note that freshman awards will be mailed starting April 1; but returning students will be sent an email starting May 1.  When you receive your award notification – review it carefully to determine whether or not your funding provides enough money to pay for actual expenses established under the Cost of Attendance, which is basically your student budget.  It is critical that you know you have enough money to pay Towson University each semester so you can register for and attend classes and pursue your academic career.

If you don’t have enough money to pay your bill, this is how finances can impact your academic success.  If you owe more than $200 on your account, you will not be allowed to register for next semester.  The Bursar’s Office will make several attempts to contact you to pay your bill and if you don’t respond – then they will pass this debt on to Central Collection Unit (CCU) of the State of Maryland.  This is when you will incur additional fees!  First you will be charged a $25 late fee, and when your debt is passed on to CCU – you will also be charged a collection fee of no more than 20% of the outstanding balance.  This unpaid deb may also be reported to credit bureaus. You may also lose many of your University privileges, including cancellation of your class schedule.images

As you can see, not having enough money to pay your bill each semester can have a snowball effect on both your finances and academics.  So if you find yourself in this situation – ask for help by going in person and meeting with someone at both the Financial Aid and Bursar’s Offices.  Financial Aid can review your award and the Bursar’s Office can let you know if there are other payment options available.

Here are some other important things to consider when it comes to navigating college finances:

  • A change in enrollment may impact your financial aid, so consult with Financial Aid Office before making any major enrollment decisions.
  • Use TU Scholarship Seeker to apply for additional funding.  Click here for a list of other options.
  • The State of Maryland Higher Education Commission provides useful information about state aid programs and college planning at www.mhec.state.md.us
  • Save money by using your Onecard to buy meals on campus – you will not be charged the sales tax!
  • If you have to take loans – accept subsidized loans first!  For more information about wise borrowing see:  https://studentaid.ed.gov/types/loans
    • While you are in school – your loans are on your credit report, but in deferred status.
    • And remember – student loans cannot be forgiven under bankruptcy!
  • If you pay your student bill using a credit card, you are also charged a 2.75% fee.
  • If you are about to graduate and are worried about repaying your loans – learn more about consolidating your loans.  Use this link to learn more about the process.

Mary Fortier
Financial Services

David Horne
Director of Financial Aid

Too Busy to Vote – Think Again!

College students are perhaps the busiest demographic in the U.S. during the school year. Papers, exams, jobs, and internships consume most of their schedules, leaving them little time to relaStudent_Votingx and enjoy themselves. One aspect of the price that busy students pay is their ability to participate meaningfully in the U.S. democracy and their civic responsibility to vote.

Unfortunately, many students miss the opportunity to vote because of their busy lifestyles. Some schedules make voting nearly impossible, and some schedules make students prone to forgetting where and when voting is taking place.

“More than twice as many young people said that they did not vote because of ‘registration problems’ like not receiving an absentee ballot or not being registered in the right location. This may reflect that many are first-time voters who are less familiar with the process, particularly if they moved for school or work and had to adjust their registration accordingly. Measures that simplify the registration, address change and voting process could help reduce that gap; they could also help reduce the 10% who said they simply forgot to cast their ballot” (civicyouth.org).

student-vote-democracy-word-cloud1-1024x791Understanding the issues that college students face when they cannot make time to vote or have difficulty voting, Towson University’s Office of Civic Engagement & Leadership collaborated with TurboVote. This service is informative, convenient, easy to use, and it clears up voting-related issues with simplicity. TU’s partnership with TurboVote addresses all of these issues, and more. Did you know, for example, that Towson University students, faculty and staff members could register to vote in the upcoming elections, regardless of their home state or county? That is, you can register to vote and vote at TU even if your home state is New Jersey or South Dakota.

Does this sound like a lot of paperwork? Actually, no paperwork is involved at all. You can register to vote through TurboVote online in under five minutes, and those who use TurboVote can sign-up to receive text messages and email alerts reminding subscribers of impending elections.

Don’t be part of the “24% of youth said that they missed the registration deadline or that they did not know how or where to register” (Kawashima-Ginsberg, 2014). The benefits of TurboVote—from email and text reminders to the ability to register to vote online—make political civic engagement easy. TurboVote provides students access to required documents, absentee ballots and deadlines germane to each individual. With TurboVote at your fingertips, residents of New Jersey, Pennsylvania, and South Dakota can now vote while living in Maryland, leaving no excuse to miss voting. Utilizing TurboVote to register and then voting can better society—for both yourself and your community.

The Office of Civic Engagement & Leadership sponsors a variety of different initiatives in an effort to get students civically engaged on campus and in their communities. Our programs range from political engagement such as: Voter Registration, the Collegiate Readership Newspaper Program, the New York Times Talk Lunches, and “thoughtful thursday” conversations on Freedom Square to environmental engagement with the Environmental Conference, Sustainability Day, and the Eco-Reps Program. We have community engagement initiatives that bring the community to the classroom through Service-Learning courses in a variety of academic departments.jfk

Civic engagement and leadership encompasses active citizenship, community involvement, advocacy, awareness of social issues and injustices, and the development of personal and social responsibility. Civic engagement requires students to involve themselves in society with the intent to better the world around them through leadership. We are proud to offer many experiences for students, faculty, and staff to practice civic engagement and leadership at Towson University.

For more information, please visit: www.towson.edu/civicengagement

Tyler New and Dr. Christopher Jensen
Office of Civic Engagement & Leadership

Bieber and Grumpy Cat: The Art of Networking No Matter Who You Are

If you haven’t heard of Justin Bieber or the infamous Grumpy Cat, then you’re probably the only one.

Whether you like him or not, Bieber undoubtedly rose to fame when he shared his singing talent on YouTube, which has since led to his strong online presence and worldwide recognition.

Grumpy Cat – a cat known for its grumpy expression due to a feline dwarfism – became an Internet sensation after its picture was posted to a social network. This cat has been featured on the front page of the Wall Street Journal and the cover of New York Magazine, and now has a business valued at a million dollars.

Do you know what Justin Bieber and the Grumpy Cat have in common? Networking. Funny-Cats-Top-49-Most-Funniest-Grumpy-Cat-Quotes-2

Unlike Bieber and Grumpy Cat, it doesn’t take social networking to the world to make a name for yourself; however, networking does come in a variety of forms and can help you gain visibility, make connections, reach your goals, and ultimately land a job.

According to a survey by Manpower Group that analyzed 60,000 clients, networking is the single most effective way to land a job! Knowing the right person may not get you the job, but your resume could end up in the right hands, your credentials may get a second glance, or you may just be pointed in the right direction.

And networking is not as tough as you might think – it’s just being genuinely interested in others and building and maintaining relationships over time. It’s connecting with the people already in your life, who can then connect you with the people in their lives, and the system goes on and on.

Take a good look at the people around you and know that in some small way, they could potentially help you make great strides.

Faculty: They can connect you with former students, as well as to those in their own professional networks. By simply talking to your advisor, volunteering, or just getting to know faculty, you are networking and forming connections. Showing interest and staying connected with faculty can help you connect with potential employers.

Alumni: By connecting with TU alumni, you’re not only reaching out to someone who has “been in your shoes,” but you’re also finding out firsthand what it takes to network before and after graduation. You can connect with alumni via the Career Center Mentor Database through Hire@TU. Alumni volunteer mentors want to help you with your career, so take advantage of this great networking resource.

Associations: If you want to connect with future colleagues and established experts in your field, then your best bet is to volunteer on a committee. Every field has at least one professional association – most with state or local chapters. Students typically get a reduced membership rate while still gaining access to job/internship postings, mentoring programs, career information, and most importantly, networking opportunities.

Family and Friends: Don’t write off family and friends as networking connections just yet. You may know some of the most in-depth details about them, but that doesn’t mean you know who they know. Just asking if they know anyone in your field can help you connect with potential employers. Even the most random people you come in contact on a daily basis can have connections to other people who can help you.

LinkedIn: Move over Facebook; LinkedIn is the next big thing for networking, especially professional networking. By creating a profile and joining relevant groups, you can connect with alumni, professors and professionals in your field. They can then endorse you, giving you more connections!

Business Etiquette and Networking Dinner: The TU Career Center event you can’t miss November 5 from 5:30-8:30 p.m.! Enjoy a FREE, multi-course dinner while learning the “how-to’s” of professional networking and dining etiquette. Register by October 31 via Hire@TU.

Fall Career and Internship Fair: Get ready to meet over 90 employers who want to network with you October 21 from noon – 3 p.m. Dress professionally and bring plenty of resumes! Click here to view a complete list of Employers attending the fair.

Career Center Appointments: If you’re really unsure about networking, you can always schedule a Networking Appointment to help you expand your network, answer questions you have regarding professional etiquette in network settings, and give you experience with network conversations; or schedule a Social Media Consultation to receive guidance on developing a professional presence online.

Networking is not about asking everyone you know for a job. It’s asking for general job search advice, information, tips, and referrals. Start making connections today with the Career Center.

For more information about the Career Center visit www.towson.edu/careercenter or call 410-704-2233.

Sara Heilman
Career Center Marketing Intern

Do you want to have sex?

Ah, the somewhat awkward, moment-killing, dreaded question. But it’s important to know, right?? Just because you’re getting hot and heavy, doesn’t mean that reaching for the condom without checking in with your partner is okay. Maybe your partner isn’t as into it as you think or they want to do try something new in the bedroom that you would never even consider doing. Clarity is key. I know, asking “Do you want to have sex?” might not be the sexiest question you could ask your partner, but you can make it unique, and you can make it sexy. “Do you like that?” “I really like it when you touch me here, but not there.” “How are you?” “Are you okay with that?” “I love it when you do that.”

Sex is an act that two or more people participate in together. It’s not one person doing something to another. Any sexual activity requires consent, and asking questions and checking in with each other is the perfect way to practice that.

“Do I have to say the word ‘yes’ to give consent?” If you want to be clear and enthusiastic, then, yes! Say yes or no to whatever sexual activity you feel like doing at that time. You can also show that you’re completely engaged in the sexual activity with your actions: smiling, murmuring, “mmm hmm,” taking off your clothes, or directing your partner’s touch. These actions communicate that you’re enjoying it and want this too! But just because a partner consents to one thing doesn’t mean they’re consenting to everything.

Your actions can also say NO. This would look like your partner putting their clothes back on, refraining from eye contact, or being silent. If your partner shows discomfort, check in. Ask how they’re doing. Isn’t it sexier when both of you are enjoying yourselves?

“What if I change my mind?” Consent is given freely to your partner, and it CANNOT be given by force, coercion, manipulation, or intimidation. Sexual activity under any of these circumstances qualifies as sexual assault or rape. It might sound like: “Come on, I thought you loved me;” “But you promised we would have sex tonight.” Consent is YOURS to give and, therefore, yours to take back at any time. Don’t feel badly about stopping the sexual activity, even mid-way through.

Consent is NEVER implied because you’ve been dating or have had sex before. It’s a case-by-case basis. You would never assume that your roommate will cook you dinner every night, just because they did last night.

If you’re too drunk to drive a car, you’re too drunk to give consent. You have to be able to choose without impaired judgment, and when alcohol is involved, you really can’t do that.

Remember, Consent is sexy, so ask questions and communicate with each other! Not only will you have an amazing time, but you’ll be in control of you sex life, which is what we all want, right?

Check out Laci Green’s youtube video on consent:

Facts:

  • 1 in 4 college women will have experienced an attempted or completed sexual assault in their 4 years of undergrad.
  • 1 in 10 men report being sexually assaulted.
  • 60% of rapes are unreported, and only 3% of rapists will ever spend a day in prison.
  • The first 6 weeks of freshmen year are when college women are most at risk for a sexual assault. This is known as “The Red Zone.”
  • Most college-aged sexual perpetrators carry out an average of 6 assaults each.

Resources:

  • For on-campus counseling, call The Counseling Center at 410-704-2512.
  • For 24-hour rape crisis intervention and advocacy, call Turnaround at 443-279-0379.
  • To report an assault to the university, call Towson’s Title IX Coordinator at 410-704-2360.
  • To report an assault to the police, call TUPD at 410-704-4444 or Baltimore County/City police at 911.

Writing by Kelly Bryan
Sexual Assault Response and Prevention Peer Educator
The Counseling Center

Resources by Maria Wydra, Ph.D.
Staff Psychologist, Sexual Assault Services Coordinator
The Counseling Center

Pre-Searching before Researching: The Key to Research Paper Success

As the semester gets going you might be starting to get those (possibly) dreaded research paper assignments. Sometimes the hardest part of that paper is getting started. Maybe you chose a topic or one was assigned to you, but how do you write a WHOLE paper on a topic you know very little about? Where do you even start? Have no fear, there are many tools and resources for you to use to start your “Pre-Search.”

Pre-Searching
Pre-searching is the “getting to know your topic” before you even start thinking about using library databases to find articles. Why do you need to do this? You have to know what’s out there before you know what you want. Let’s say you want to write a paper related to obesity. We all know obesity is a problem in this country, but for who? Why? What are the issues involved with obesity? Are there ways to prevent obesity? What is the treatment for this disease? Those are all questions that you might not even know to ask until you start to read more about the topic. If you go straight to the library article databases and start searching “obesity” you will get a million different results- which is not always a good thing.

Pre-searching (background reading) can help you:

  • get the big picture on your topic so you can better understand what are the issues and questions associated with it
  • see what the options are in terms of focusing your topic or paper
  • figure out what keywords to use when searching

Wikipedia?
So, how do I pre-search? I’m going to tell you a secret, Wikipedia, is an excellent starting point for many topics. “WHAT?! My teacher says I can’t use Wikipedia, I HAVE to use scholarly articles,” you say. Wikipedia is not a resource for doing research on your topic, it’s a place to do background reading. We all (should) know that Wikipedia can be edited by anyone and therefore may not be 100% accurate, but it can be a great place to get the gist of a topic area. It can help you get some background to be able to do better searching and in turn write a better paper. Check out this YouTube video from the Cooperative Library Instruction Project for more information on how to use Wikipedia for background reading:

Google
Wikipedia isn’t the only place online to go for background reading, you can also use Google to find credible websites with background information. For many topics you can find credible background information through government, professional association, and non-profit organization websites. To limit your search to either .gov (government) or .org (organization) websites, simply go to Google and type in your topic followed by site:gov or site:org like this:

goog

After I run this search, my results are all from government websites such as the Centers for Disease Control or the National Institutes of Health.

Library Encyclopedias
A third place to do your pre-searching is through the library’s many specialized encyclopedias and other reference books. There are encyclopedias, dictionaries and handbooks on many different topics on the main floor of the library. Stop by the Research Help desk and we can direct you to reference books on your topic. Don’t feel like coming into the library? We’ve got you covered with e-reference books. One large collection of e-reference books is through a database called Sage Knowledge, a searchable collection of over 60 encyclopedias and reference works. You can access it here: http://bit.ly/1qhnnyh. A second large collection is through the Gale Virtual Reference Library, which provides access to encyclopedias covering topics from education to art to public health. It can be accessed here: http://bit.ly/1u3BQFD. You can find a list of all of the reference book databases here: http://bit.ly/1uKcvyu.

Still got questions? You can always stop by the Research Help Desk, but this week we’ve got all of your academic needs covered through the Academic Resource Fair. Stop by the fair for help from a librarian as well as the Writing Center, Academic Achievement Center, Academic Advising, Disability Support Services, and even OTS training! We’ll have prizes and snacks too! Stop by for a minute or stay the whole time!

Academic Resource Fair
TODAY:
Monday, September 22nd 3pm-5pm
Tomorrow: Tuesday, September 23rd 10:30am-12:30pm
Cook Library, 3rd (main) Floor

 Carissa Tomlinson
First Year Experience Librarian
Cook Library

Ice Bucket Challenge Out; Career Center Challenge In

This summer’s ALS Ice Bucket Challenge has cooled down in recent weeks, but that’s no reason to stop challenging yourself this semester.

Every student has something more that they can give – but unlike the ice bucket challenge, we’re not talking about donating money.

We’re talking about that extra push you can give yourself to help land an interview and then get that dream internship or job you’ve always wanted.

CAREER CENTER CHALLENGE: The Career Center is challenging you to attend at least one career-related event this semester that will contribute to your future. Here are our recommendations for freshmen, sophomores, juniors and seniors.

FRESHMEN: By this time, you’re finally settled into your new environment and all of the crazy life changes don’t feel so – well – crazy anymore. But don’t get too comfortable. Take the challenge and attend one of these career-related events.

SOPHOMORES: Don’t fall into the “sophomore slump” – the time when you are no long0714048 Sophmore week-localister a newbie and somehow you get lost in the mix of your peers. Fortunately, the Career Center is featuring Sophomore Career Week so that you can complete the challenge.

JUNIORS: This is the year to fine-tune your resume to meet the needs of potential employers for internships and jobs, as well as improve your skills overall. Take the Career Center Challenge and attend at least one of these career events.

SENIORS/GRADUATE STUDENTS: By this time, you should have some work experience under your belt. But if not, there are still plenty of opportunities that the Career Center is offering this fall to ensure you complete the Career Center Challenge.

For more information about the Career Center visit www.towson.edu/careercenter or call 410-704-2233.

Sara Heilman
Career Center Marketing Intern.

Study Groups Empower Students to Learn

stStudy groups have been proven to be very successful in helping students perform better in their courses. Effective group learning can increase motivation and confidence, as well as strengthen connections among your peers. The ability to work as part of a team is also a highly desirable trait in the workforce. Being part of a study group experience can be rewarding, but requires effort on your part.

Some of rewarding benefits of joining a study group are:

  • Improve your understanding of course material
  • Share resources with current students about course content
  • Experience new ways of thinking and new ideas about course content

Possible complications within a study group are:

  • An unmotivated participant can turn a study session into one long gossip session
  • An underprepared participant can turn a study session into a “teaching” rather than a sharing of ideas
  • Lack of commitment of each participant to attend sessions could ruin the pace and motivation for all participants

Size Matters

When forming a study group, it is important to consider not only how many people should be in the group, but also who should be in the group. For best results, limit the size of your study group to three to six students. Too many voices in one group can cause chaos, confusion, and distraction. Furthermore, the more people you have in your group, the more difficult it can be to schedule a time. If there is a larger group of students interested in forming a study group, simply divide the group in half and mix up the members from time to time. When organizing a study group, don’t feel limited to only inviting your friends. Choose your study group members wisely – people who have similar academic goals and have a desire to participate, share, listen, and learn. A good start is talking to your classmates sitting around you to gauge interest in forming a study group. It is very likely that there are other students in the class also looking for study partners!

Preparation

Another important aspect of study groups is the preparation each group member must complete before the group meets. Study groups should be a secondary means of studying; each member should be studying on their own before the group meets. The group time should be spent clarifying topics that each member doesn’t understand or as a time for practicing exams or tests.

Group Goals

Study groups are formed for many different reasons. It’s important to determine the specific goals for your group. Are you looking for test preparation? Your group might develop possible test questions to review and provide practice before exams. Are you looking for a group to meet weekly? Your group might compare notes from class sessions to fill in gaps and clarify topics, share study strategies, check for understanding of readings, or develop study aids like charts or notecards.

Once you have your group together, the Academic Achievement Center can provide guidance on how to structure the group for success using the “AAC Study Group Toolkit.” To get started, visit our website at http://www.towson.edu/aac/studyGroups.asp and fill out the request form.

Additional Resources:

http://www.how-to-study.com/study-skills-articles/study-groups.asp

http://classroom.synonym.com/advantages-disadvantages-study-group-4192.html

https://students.case.edu/education/resources/studygroups/formagroup.html

http://homeworktips.about.com/od/studymethods/a/studygroup.htm

 

Academic Achievement Center

Elizabeth Scarbrough
Director

Kimberly Graham
Placement Testing Coordinator

Marissa Insinna
Graduate Assistant

Jeremy Boettinger
Learning Specialist

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