Thinking About Returning To College? Here's How To Start

No matter the age or circumstances, many Americans are going back to college to complete their education. Denise Whitaker, who shares her story in this episode of NPR's Life Kit, is one of the 36 million Americans with some college and no degree. She felt the call to return to school not for financial gain but for personal fulfillment. The thought of going back had been on her mind for years, and when the opportunity presented itself, she saw it as a sign from the universe. The journey back to college isn't always easy, but with resources like NPR's Life Kit and supportive sponsors like Whole Foods Market, it can be a rewarding experience. Whole Foods Market offers wallet-friendly options for hosting a celebratory brunch to mark the occasion, featuring items like cold smoked Atlantic salmon, mini quiches, and organic everything bagels. Apple Card also supports this journey by offering daily cash rewards on purchases. Whether you're just starting to explore your options or are ready to enroll, remember that it's never too late to finish what you started.

Earning cash back with the Apple Card can be a significant financial benefit, with different rates for various types of purchases. You can earn 3% daily cash on purchases made directly from Apple, 2% when using Apple Pay, and 1% for other purchases made with the physical or virtual card. Another important takeaway is that going back to college, regardless of age, can be a worthwhile investment. Motivations for returning to school can vary, from personal reasons to economic ones. Higher education can lead to better job opportunities and higher earnings throughout one's lifetime. However, the cost of college might not be as daunting as it seems. Many schools and governments offer grants, scholarships, and loans to help cover expenses. To access these resources, filling out the Free Application for Federal Student Aid (FAFSA) is often necessary. So, in summary, maximizing your cash back earnings with the Apple Card and considering the benefits of returning to college, regardless of age, can lead to financial and personal growth.

If you're considering going back to school as an adult, the first step is to fill out the Free Application for Federal Student Aid (FAFSA) to determine your financial aid eligibility. Even if you think you don't qualify, it's important to do so as the process is now online and can be completed in just 20 minutes. While student loans can be a concern due to the student debt crisis, taking out small federal loans can help you finish your degree, allowing you to work less, take more classes, and ultimately graduate for a higher paying job. If there's a gap between the financial aid offered and your costs, consider applying for scholarships. Additionally, prepare and set up your support network before starting classes. This can include communicating your schedule with family and friends, and practicing school through reading and taking free online courses. Lastly, carefully consider the right school or program for your needs, taking into account factors such as classroom style, time commitment, and financial considerations. By following these steps, adults can successfully navigate the process of going back to school and achieving their educational goals.

When considering colleges, it's essential to research graduation rates and post-graduation earnings using resources like the college scorecard. Additionally, ask potential schools plenty of questions regarding support for working adults and flexible scheduling. Shasta Community College, which recognized the need to better serve adults with some college and no degree, made significant changes, including offering classes in the evenings, shortening course lengths, and limiting degrees to ensure availability. For those unable to attend full time, look for schools providing additional supports or work with a counselor to plan a part-time schedule. Remember, earning a degree often takes longer than the advertised 2 or 4 years, especially for adults with commitments outside of school.

Having a clear plan and structure can make returning to college as a working adult more manageable and motivating. The presence of like-minded peers and the potential to receive credit for previous learning can also make the process less daunting. If you're considering going back to school, explore options for trying out online classes and requesting transcripts to assess potential credit for past college coursework or life experiences. Remember, you may be closer to earning your degree than you think. Additionally, consider utilizing methods like prior learning assessment, credit for prior learning, or recognition of learning, or taking CLEP tests to earn college credit for what you already know. Don't underestimate the value of your past experiences and the potential for recognition and credit for them in your academic journey.

Military service members, veterans, and their families have various opportunities to turn their military experience into college credit. This can be achieved through programs like CLEP, presentations, essays, or portfolios. Military training and experience can also be translated into civilian language through joint services transcripts, which are recognized by over 230 colleges and universities. It's important to remember that the journey to earning a degree may not always be smooth, and it's okay if the plan changes. When faced with challenges, it can be helpful to stay focused on the ultimate goal and take breaks when necessary. Additionally, it's crucial to document any leaves of absence from school to ensure that academic progress is not disrupted.

Returning to college is a significant decision, but with proper planning and preparation, it can be achievable. Janet Hubbard's story serves as an inspiration for those who may feel uncertain about their college prospects. Here are some key takeaways from the discussion: 1. Identify your motivation for going back to college. 2. College may not be as expensive as you think. 3. Prepare and set up a support network. 4. Consider community colleges for affordable and innovative programs. 5. Ensure your credits transfer and count towards your degree. 6. Be adaptable and figure out solutions if plans change. 7. Believe in yourself and don't let anyone discourage you from pursuing higher education. For more resources on college, visit npr.org/lifekit for a range of guides on various topics related to college, including payment, studying, and job searching. Remember, the power to make it happen lies within you.

The latest episode of the Sunday Story on the Up First podcast from NPR is worth listening to. This episode covers various news stories from around the world, providing insightful perspectives and analysis. It's a great way to stay informed about current events and gain a deeper understanding of the issues shaping our world today. Whether you're interested in politics, technology, or international affairs, there's something in this episode for everyone. So take a break, sit back, and tune in to the Up First podcast for an engaging and informative listening experience.