#perk of being a student: free microsoft products

[ifindus]

if you don't have access to word, is there a way to write directly into ao3?

You can always write directly into ao3 where you go to post, and some people prefer this, but be aware that it doesn't automatically save and won't save if you close the tab. Ao3 encourage you to have a back-up copy of what you write there in the "work text". So it is possible to write directly on ao3, but I would recommend writing elsewhere to avoid loss of the text.

[brownada311]

Asana Desktop App For Mac

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Asana Desktop App For Mac Download

Synctunes Desktop App For Mac

Asana App For Windows

AppSana is a smart app that integrates with Asana. Designed to be the perfect client for Asana with native notifications, app icon badge, smart tabs, screen lock option, dark mode support, and mobile view option.

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SoTasks provides a native Asana experience even while you are up in the air. Maximize your productivity and create more space in your life.

TMetric is a great time tracking app for Windows, Mac, and Linux that allows you to control your time and stay productive throughout the day. TMetric mobile app on Android or IoS is the most convenient way to track your time whether in the office or away on customer meetings. Zenkit is now available on your desktop. Apps for Mac, Windows and Linux mean you can work in a dedicated Zenkit window away from distraction. Quickly add items with the new quick-add feature, bring Zenkit up to the front with a shortcut, and stay productive, even when you're offline.

Features

Organise Your Tasks - Mark your inbox by Today, Upcoming, and Later. List them easily.

All Workspaces Together - SoTasks presents a unique feature for Asana which combines all workspaces and projects in a single menu.

Smart Task List - Starred Tasks, All Tasks, and All Your Tasks Due Today.

'Star' Your Tasks - You can 'Star' your critical tasks and see all More..

What's New in SoTasks

Version 1.3:

Note: Currently available for $9.99

Full-featured comments section added

Migrated to Swift 3

Bug fixes, and performance and stability improvements

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Pros

Flexible, fast, and modern design. Capable free version. Feature-rich. New Timeline view makes it easier to manage dependencies.

Cons

Not ideal for graphics-intensive work. Can't switch between Task and Kanban project views after creation.

Bottom Line

Asana is a top-notch collaboration tool that helps teams manage all kinds of tasks. Although it may be confusing at first, its flexibility and vast capabilities are well worth the initial effort it takes to get started.

Productivity enthusiasts love Asana—and for good reason. This online team collaboration tool specializes in workflow management, but it also handles the nitty-gritty of task management with aplomb. That said, Asana should not be confused with full-on project management software, despite its new Timeline feature. It includes neither native time tracking nor other advanced tools we expect to see for full-scale project management. But for managing tasks and workflows, it's a flexible and elegant tool that you can bend to your will. Asana is one of the best collaboration and productivity apps for teams and an Editors' Choice.

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Pricing and Plans

If you want to see what Asana is all about, the service offers a free account tier for teams of 15 members and fewer. The only other major restrictions are that you can't use Asana's Timeline view, advanced Dashboards, or advanced search tools. We discuss all these features in detail later on. Free account users get all other task management features, however, including the ability to create tasks, assign people to them, add due dates, write comments, and attach files. There are also no limits on the number of tasks or projects you can create. We recommend using the free account for at least a few weeks with a small test group before upgrading to a paid tier of service.

App for google photod mac. Screenshot by Jason Cipriani/CNET • You'll notice the 'Add to Chrome' button is grayed out. Right-click on it and select 'Inspect Element' from the drop-down menu.

Asana Premium costs $119.88 per person per year or $11.99 per person if you pay monthly. The Premium account includes everything in the free account and removes the limits on team sizes, dashboards, and search tools. Premium accounts come with a few additional perks, including Asana's Timeline feature, private teams and projects, custom fields, task dependencies, administrative controls, and priority support. Private projects are only accessible to invited members, while projects that are not private are accessible to everyone on the team.

Very small teams of 15 people or fewer who want Premium features pay a lower rate: $75 per person per year, or $7.50 per person per month. Student groups can also contact the company for a free six-month trial of Asana Premium. The price has increased in the last few years, but people who have existing and active Asana agreements can continue at the lower rates.

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For comparison, Todoist Premium costs $29 per year for personal use or $29 per person per year for teams. On the high end, Podio starts at $9 per person per month or roughly $86 per year if paid annually. So Asana is a lot more expensive than Todoist, but is close in price to Podio's Basic and Plus plans.

Asana has kanban board features, too, so other popular kanban apps, such as Trello, Wrike, and Volerro, are also fair game for comparison. Trello charges $119.88 per person per year, the same as Asana. Volerro charges just $7.99 per person per month. Wrike charges nearly the same amount as Asana Premium for its Professional tier of service ($117.60 per person per year) and a much higher rate for its Business grade service ($297.60 per person per year)

What Is Asana?

Asana is a workflow management tool that you primarily use to manage tasks. It differs from traditional project management apps namely due to its lack of structure. Asana is like a deck of cards, whereas project management software is like a board game. Board games are designed to be played with a series of preset rules. It's unusual for players to stray too far from these set instructions, although everyone might agree to some modifications from time to time.

With a deck of cards, you have more options. For example, you could play a well-known game with established rules, such as five-card draw, or invent your own game. Let's say you decide to play rummy. Everyone at the table must first agree on which version of rummy to play (straight rummy, 500 rummy, gin rummy, and so on). There's a template for the game, but the exact rules need to be established by all players beforehand.

In the case of Asana, there are just as many predefined ways you can use it as there are custom ways. One more point of distinction is that Asana is better suited for ongoing work, whereas project management apps are typically better for projects with clear beginning and end dates, as well as a deliverable. Building and launching a news website is a project. Writing daily content for a news website is ongoing work.

In more specific terms, Asana keeps track of who is responsible for what task, the information related to each task, and all other information related to that task's progress. If this still sounds confusing, know that setting Asana up for your needs is the hardest part. After that initial period, Asana's open-ended nature is also one of its best aspects. Check out Asana's Guide on how to get started with, and eventually master all of, its features.

Asana's Structure

Before opening up Asana to everyone in the organization, a group of administrators needs to make a final decision on how Asana will be implemented and used. While some collaboration tools tout simplicity, that's really not the case with Asana. Asana is intuitive, but once you get going, its complete lack of structure may make it difficult to dive in without a good amount of forethought. Asana does offer some help with structure with Project Templates, which we discuss later, but the prospect of translating an organizational structure in a way that makes sense could be intimidating.

As for the basic workflow hierarchy, each team is responsible for a series of projects with individual task lists. Each task can have subtasks, as well as an assignee, due date, attachments, comments, tags, and followers. You use these tasks and subtasks to track work. The comments and other data help you understand what's happening with the task so that you don't need to discuss matters over email or some other way. As tasks and subtasks are completed, all of their history and everything that occurred ends up being attached to the task itself. Thus, every work action has meaningful context.

In addition to its ability to keep track of minutia, Asana is also useful for getting a broader perspective on the responsibilities of each team member. Custom searches, which we discuss in more detail later, or even just looking at someone else's task list is an effective way to figure out whether someone is overbooked or underperforming. You can use these insights to make effective changes.

Privacy and Security

Asana secures connections to its site using at least the TLS 1.1 protocol and hosts its data in 'secure SSAE 16 audited data centers via Amazon in the US.' Asana also offers a bug bounty program for disclosing vulnerabilities with the service. Asana recently earned SOC 2 Type 1 certification. Soc 2 Audits are run by the American Institute of CPAs and according to that organization, concern 'the controls at a service organization relevant to security, availability, and processing integrity of the systems the service organization uses to process users' data and the confidentiality and privacy of the information processed by these systems.' As with Slack, you can also check the Asana's status via an online dashboard.

At the usage level, Asana embraces collaboration among all team members. You can certainly keep projects and tasks private in Asana, but the nature of the tool is to allow all team members equal access to see, edit, and interact with information in the app. That said, Asana does allow you to mark projects as Comment-Only or assign this permission level to individual members.

For teams who do use Asana as an open platform, it's very important to maintain dialogue about the rules of engagement to ensure everyone agrees to use the app in the same way, not overwrite one another's work, and so forth. Recently, Asana added new enterprise security options, including the ability to control which apps are usable across the integration and restrict who can add guests.

Look and Feel

Asana is available on the web and via the App Store and Google Play Store, but it does not offer a desktop app. Some collaboration apps, such as Slack, offer desktop variants, but it's not a deal breaker.

Asana's web interface is efficient and responsive, with enough color and design flair to keep it interesting and useful without looking too cluttered. It has some surprises as well, like celebratory animations that appear on screen from time to time, although you can disable these extra effects if they don't appeal to you. Asana also includes a series of keyboard shortcuts called Hacks in its settings section, which add various kinds of functionality and personality. For example, hit TAB+B for a bit of feline fun after enabling the related hack.

The web dashboard is divided into three main areas: a left rail; a main window that changes based on what you select from the left; and a right information box that drills down into whatever you're viewing in the main window. The main window also includes a button for quickly adding items such as tasks or projects, a search bar, and a profile icon. In your profile settings, you can add basic account information, set notification preferences, adjust display preferences and the aforementioned visual effects, and configure integrations with other apps such as Harvest and Zapier. Asana maintains a full list of supported apps and integrations.

Per the latest design update, you navigate the interface via the left rail menu, which can also be completely hidden if you want to focus on the main page. From top to bottom, your main options are Home, My Tasks, Inbox, and Dashboard. These options might differ based on your organization's global settings. Home is a new section that shows your favorite and recent projects, while My Tasks shows everything assigned to you or that you are following. If you see a New banner over any project in the Home tab, you can mouse over it to view the latest activity. Inbox is just a feed of Asana activities. You can add specific projects to the Dashboards section to keep track of updates and get an overview of task completion. A yellow dot appears next to Inbox when you have unread notifications.

Thoughtful design makes the main window in Asana bend to your needs. For example, when you click on a project on the left, the main window pops up a contextual menu under the project name, with Timeline, Calendar, Conversations, Progress, and Files. You can also sort items by Assignee or Due Date under any Task View, for example, or choose to only show either completed or incomplete tasks. Tasks glide across the screen when you click and drag them to change their order, which makes reprioritizing really simple. If you want, you can also organize tasks into Sections, but note that these sections don't affect any task classifications elsewhere.

Additional Features and In Use

Asana doesn't skimp on features. When you create a task, you can assign it to a team member, schedule a due date or add a recurring date, upload or link to associated documents, write comments, add tags, and even subscribe or unsubscribe yourself and others to receive notifications whenever changes occur on the task. The Comments section is particularly useful since it supports rich text formatting, comment editing, and direct mentions via the @ symbol among other things.

Tags help make tasks more searchable, and the advanced search function, which we dive into later, is quite good. Interactive checkboxes let you tick off tasks as you complete them—and just as easily untick them if you or another Asana member strikes something off in error. Asana also gives you the ability to create a custom field. You might add a field that indicates a task's priority (low, medium, high), or you could use custom fields to indicate the state of a task (pending, in progress, awaiting final approval).

Asana also integrates a calendar that you can use to keep track of due dates. On a positive note, Asana seems to take user feedback seriously. After receiving overwhelmingly negative feedback about changes to the calendar, Asana reverted the update and is working on making sure that legacy features are maintained in addition to the performance improvements.

Asana does not offer chat features, which is disappointing, though it does integrate with Slack and Microsoft Teams. Asana does provide a space called Conversations, a message board on which team members can discuss issues with one another that aren't directly related to any one particular task. For example, members could discuss the scope of future projects, creative ideas, or procedure. Still, this is not effective for direct messaging or casual conversations.

Asana isn't the most adept tool for graphics-intensive projects either, but it has improved over the years. The kanban view, which we discuss later, is one such improvement. You can upload images to tasks, but you can't mark them up in the app itself. You can preview attached images, however, form the app.

Templates and Views

If you aren't sure how to set up a project, Asana provides a series of templates you can use. To get started, hit the Plus button > Project. Templates is the middle tab. Examples of predesigned templates include Meeting Agenda, Product Roadmap, and Employee Onboarding. Of course, you can create your own template as well aren't stuck to these structures either. Think of them as a starting point.

Another useful feature is Asana's ability to create dependencies between tasks. Let's say we have task A, task B, and task C logged in Asana. If task C cannot get done until tasks A, and then B are complete, we can add dependencies between those three.

Naturally, then, you might expect Asana to have some sort of Gantt chart functionality. Enter the relatively recent Timeline View. Here, users can see every one of their tasks laid out in a Gantt style format. Dependencies are represented by lines between tasks and you can make changes at will. Gantt charts are particularly helpful for seeing how a delay in one task or an extended absence of a team member can affect target dates down the line. Asana also rolled out the ability to organize tasks in the view into sections. Teamwork Projects offers a Gantt chart view, but it's not nearly as well-designed.

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Kanban Boards in Asana

Asana now includes a Board view, designed to give teams a way to manage work using kanban. Kanban apps specialize in helping you visualizing all the work that needs to be done and all the work in progress, with an emphasis on making sure teams don't get overloaded with so many tasks that they lose focus and become less productive. Kanban does this by limiting the number of tasks that can be assigned to a person or department at a given time.

Trello is another productivity app that uses the kanban style. One method is to set up several columns that correlate to a state of completion. It might make sense, to have columns for DEV, QA, and Production for example. To move a task from one stage to another, simply drag it over to the next one.

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Note that using this Board View requires you to create projects specifically in this style. In other words, you can't simply switch from the default task view to this style at the time of this review. To change your view, during the Project creation phase, just look under the layout section and select the Board option.

As previously mentioned, Board views can be more useful for teams who work with visual materials, since you can set cover images for each task in a column. Just as with Asana's other views, you can create custom fields when in the Board view and flag comments directly to people with the @ symbol, a useful but less common feature among dedicated kanban apps. Asana doesn't have every desirable kanban feature, however. It's missing swim lanes and work-in-progress limits. KanbanFlow has all these features.

Advanced Search and Reports

Asana includes excellent advanced search functionality. At the top level, when querying for a term, you can specify if you are looking for a task or conversation. Other default fields include: Assigned to, In projects; and Followed By. Further, you can specify whether a task has an attachment, if it is completed, as well as its due date. To drill down even further, you can add Filters for custom fields, People, Tags, Dependencies, and even Subtasks. If you can't find what you are looking for with these tools, it likely did not exist in the first place.

Asana makes it easy to save any of these complex searches as interactive Reports, which live in the left-hand menu for quick access. These reports update as new items match the terms and you can edit the terms of the search at any point. We appreciate this feature as it can be invaluable for managers who are looking to figure out who is being productive. Even for individuals, it's a good way to track individual progress over time.

Asana's Mobile Apps

Asana offers free mobile apps for Android and for iOS. For testing, we installed Asana on a Google Pixel running Android 9.0. We had no trouble downloading the app and singing into an account.

The app is set up slightly differently than on the web, but the interface retains its clean look. For example, most of the navigation links and structures are on the right-hand side of the screen, instead of the left. Once you sign in, Asana takes you directly to your Task List, which is likely where you will spend most of your time. Although all the core functionality, including the ability to create, track, and complete tasks, is in the app, Asana tends to work best on a big screen where you can see a lot of information at once, so the small screen size isn't ideal.

That said, it is definitely possible to be productive from your phone and we appreciate that you can access Asana from anywhere you have an Internet connection. Notably, the apps have a good deal of offline capabilities, too. When you work offline in the mobile apps, you see gray clouds indicating that the content hasn't synced yet, so none of your collaborators will be able to see it until your device reconnects and syncs.

A Deck of Cards

Asana's thoughtful design, fluid interactive elements, and generous member allotment in its free version make it a powerful task-management app for personal projects and teamwork. Its flexibility, extensive feature set, and variety of workflow views are also commendable. For all those reasons, Asana earns an Editors' Choice for collaboration apps. Although it's not cheap and its lack of structure may initially cause some anxiety, we promise that it is a tool well worth using.

Asana

Bottom Line: Asana is a top-notch collaboration tool that helps teams manage all kinds of tasks. Although it may be confusing at first, its flexibility and vast capabilities are well worth the initial effort it takes to get started.

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[douchebagbrainwaves]

THE COURAGE OF WORD

If you're not omniscient, you just don't end up saying much. What really makes him stand out, though, is the quality of the insiders. It would be a better way. Above all, they were less able to pass costs on to customers and thus less willing to overpay for labor. We've now watched the trajectories of so many startups that we're getting better at predicting them. Some believe only business people can do this—that hackers can implement software, but not to be too difficult for programmers used to be aware of death to a degree that would now seem a bit morbid. How? Kids who went to private schools or wished they did started to dress and act differently. I mean designed in the sense of intended, because most people have one top idea in your mind. Writing software is a great artist.

And some other Internet companies, but you can still end up constrained in a. The founders early on were mostly young. The aphorism you can't tell a book by. Which in those days of big companies make more now than they used to, and I think much of the time, but in retrospect the grad-studenty atmosphere of our office was another of those things we did right without knowing it; next he tries consciously to be original; finally, he decides it's more important to be right than original. This weakness often extends right up to the CEO. But the best thing of all is when people call what you're doing inappropriate. But it's a mistake to attribute the decline of unions to some kind of work is, the better startups will do there. We may not be as corrupt as it seems; those VPs' cushy jobs were probably payment for work done earlier. Sun's advertising implies that you need a scalable idea to grow. Boston is a tech center because it's the intellectual capital of the US and the world, we tell the startups, but most husbands use the same word for a brilliant or a horribly cheesy solution. Sam Altman has it.

Fee, fie, fo, fum, I smell a company run by marketing guys. Maybe, maybe not. The reason this struck me so forcibly is that for most of the initial sales of the Apple I and Apple II in his apartment or his cube at HP. Kenneth Clark is the best Unix machine you can buy. I mean designed in the sense that their main purpose is to make me feel better. Because remember, the Microsoft monopoly didn't begin with Microsoft. But if you have a good enough grasp of kids' capacities at different ages to know when to be surprised. Raymond, Guido van Rossum, David Weinberger, and Steven Wolfram for reading drafts of this.

Schlep was originally a Yiddish word but has passed into general use in the US. If that weren't bad enough, these wildly fluctuating nodes are all linked together. But it's better than dying. Why are they so hot to invest in companies that are dynamic. There are more dangerous is that they get paid by getting their capital back, ideally after the startup IPOs, or failing that when it's acquired. People are finally starting to admit that Wodehouse was a great writer. And such random factors will increasingly be outweighed by the pull of existing startup hubs. Venture capitalists know better. They're like someone stuck in an abusive relationship.

Being newly founded does not in itself enough. So Dad, there's this company called Apple. You may wonder how much to trust your instincts when you disagree with authorities, whether it's worth going through the usual channels to become one yourself, and perhaps a bit more. They're not just beautiful, but strangely beautiful. Can his work stand up to Leonardo's? When we got real funding near the end of which, if I could only figure out what it's doing. Each company in the expectation of getting job security in return, we develop the product ourselves, in a way that he made seem effortless. They could get substantially all of them had been uneducated, in the spam I got from botnets.

You don't need or perhaps even want this quality in big companies, who have not only skill and pride anchoring them to the status quo, but money as well. Both make sense here. Yes, the price to earnings ratio is kind of high, but I wouldn't discount the possibility. Within Y Combinator, when an idea is described as crazy, it's a compliment—in fact, the quality of his ideas. He seemed to regard it as a drawback of senility, many companies embrace it as a drawback of senility, many companies embrace it as a way of getting new customers, but they are an important fraction, because they didn't do that. And not only will they give you this advice for free, they'll pay you. An expert pianist can play notes faster than the brain can send signals to his hand. If hiring unnecessary people is expensive and slows you down, why do nearly all companies do it? If you go to VC firms with a brilliant idea that you'll tell them about if they sign a nondisclosure agreement, most will tell you that taste is subjective. But consulting is far from free money.

This tells you how much to tell VCs. Apple will let you have over an iPhone. It is no accident that Silicon Valley is. Cultivate the pleasure and simplicity of that kind of work is, the cheaper people will do it. And in retrospect, it was taxed again at a marginal rate of 93%. But if you're looking for companies that will get you more users. Most people could see how it worked. VCs want a lot because it's compressed into a short period. This was the era of those fluffy idealized portraits of countesses with their lapdogs. When people first start drawing, for example, was simply to create a special visa for startup founders. There's nothing like living abroad to teach you that. The investors backed down; we did another round of funding at a reasonable valuation; the giant company finally gave us a piece of paper saying they didn't own our software; and six months later we were bought by Yahoo for much more than they should for the amount of wealth people can create has not only been increasing, but accelerating.

Time after time, something that looked a lot like the army. But fortunately there are still advantages to being an outsider depends on the quality of the insiders. Much of the de facto pay of executives never showed up on their income tax returns, because it took the form of perks. Now that VCs have competitors, that's going to put a market price on the help they offer. Intolerance for ugliness is not in itself enough. Within a few decades of the founding fathers had to say for themselves, they sound more like hackers. We did get a few of them. The Northwest Passage that the Mannerists, the Romantics, and two generations of American high school students have searched for does not seem to exist. They had three new ideas: index more of the founders might decide to split off and start another company doing the same thing that makes everyone else want the stock of successful startups is that they're telling the truth: there are just two or three founders, you know you're being self-indulgent.

[johnmelvinmanalo]

Technology as a Game Changer in My Studies and in the Accounting Field

In this fast-paced world, it is very much essential to utilize technology in our everyday lives. It makes us feel and live more comfortable and helps us finish our tasks easier and faster. Through the various gadgets that we own, we can communicate with our loved ones even they are miles away from us. Almost everything around us is a product of various technological processes that have evolved and continuously evolving. With these benefits that we are enjoying, it is also undeniable that these advantages are also realized in our accounting life as well as in our student life.

As accounting is termed as the "language of business", it is inevitable that technology will be incorporated in it. The various business documents that we see and possess such as purchase orders, sales invoices and official receipts are all produced faster because of certain mathematical formulas programmed in producing it. We do not have to manually compute the numbers since the computer and program are already doing it for us. As online shopping becomes a fad nowadays, entering and confirming transactions for both sellers and consumers is a lot easier using technology to record changes in the stock of items and modes of payment. In line with programming, internal controls can also be set to ensure that various scenarios in terms of resource management can be easily detected such as misappropriation of assets and reaching a certain level for inventory restocking.

Through technology, accounting information can be easily understood and interpreted by stakeholders such as creditors, shareholders, customers and the public. Not everyone has deep financial and accounting knowledge so accountants must help in making the information more comprehensible to make relevant decisions. Technology may help in presenting complex ideas easier through visual comparative graphs and computer programs which aid in predicting trends. While integrating technology in accounting, certain skills will be developed such as presentation skills, technical skills with specialization in information and communication technology and report writing skills. Indeed, accounting cannot stand alone by itself because technology offers a big help to its field.

During these trying times when we must adjust to the "new normal", the use of technology plays a vital role in the continuous studying and learning of students. With our mobile phones, laptops, desktop computers and an internet connection, online learning becomes feasible. Students and professors spent their time being knowledgeable of using different online platforms for learning, management and collaborative work. However, there are still challenges faced in this kind of setup such as poor connectivity in the country and lack of technological resources.

For my personal studies, technology really makes my work done efficiently. Upon receiving my student e-mail account, I already registered my student education account in various platforms such as Office 365, a platform for browser-based versions of Microsoft Office, Canva, a graphic design platform for creating visual content and Notion, a collaboration platform which integrates kanban boards, tasks, wikis and databases. I have utilized the privileges of having my student education account since I am now currently using all of their pro features for free. I would just like to thank my dear university which provided me such privileges and because of that, I am doing my best to encourage my fellow students to avail of these perks. While we are doing our best in our studies, we must maximize these advantages in order to reach our fullest potentials.

Before having my student e-mail account, I am already experiencing the benefits of studying in this era when technology is already at an advanced stage. Collaborative work becomes easier since we do not have to pass on to each other different versions of our paper and individually do our revisions. Now, everyone can already edit at the same time and let everyone also see these changes in real-time. Another benefit that I may have slightly neglected before but have utilized much nowadays is the use of platforms like Google Meet, Zoom and Messenger Rooms to conduct virtual meetings. Probably, I have not used such before since most of us still prefer face-to-face meetings. Nevertheless, as we maximize the use of these platforms today, it shows that we are doing our best to adapt to the challenges brought by the pandemic and we continue to enrich our connections, not just with our colleagues in school or at work but also with the people close to our heart.

[plathwasaperfectionist]

Chances are, if you’re in college, you’re pretty new to living on your own and managing your own money. Especially if you have to pay for things on your own, but even if you’re just making loan money last through the semester, it can be overwhelming. I’ve been paying my own way for almost two years now, and I’ve learned a TON about how to save money, prioritize, and live off more than ramen and bottom-shelf vodka (although bottom-shelf wine is still fine by me). Here are the best tips I have to offer:

1. Cook at home

Meal plans are a rip-off, and ordering food all the time is a waste of money. It’s so much cheaper (not to mention healthier) to buy your own groceries and cook your own meals. Even if you’re in a dorm kitchen with a mini fridge in your room, you can do a lot with some basic kitchen supplies and groceries. I love this website to find recipes--it breaks each recipe down by the cost per serving, so you know exactly how much each meal is costing you. Once you realize you can make filling food yourself relatively easily for a small fraction of what you would pay even at a fast food place, it’s hard to justify the expense. Just tonight I made a huge pot (probably six servings) of three-bean chili for less than 5 dollars total.

(And 1.5. If you commute or have long days, bring food with you. Buy a set of Tupperware with varying sizes (some big enough for salads or soups, some smaller for snacks or sandwiches), and double your recipes so it’s easy to bring leftovers with you to campus every day.)

2. Eat more plant-based meals

Meat and dairy are fucking expensive, and you’ll save money by using less of it or by cutting it out entirely. I’m not talking about buying processed meat-free substitutes��because that’s even more expensive. Instead, try using things like grains, beans (dried instead of canned is even cheaper!), or tofu in dishes instead so you can fill up on cheaper food that’s better for you. When you can, substitute frozen produce for fresh to save money too (save the fresh stuff for salads, roasting, or eating raw--those are the only times you can really tell the difference).

3. Stop buying coffee

If you drink coffee daily (I do!), then you should have a coffee machine and make it yourself. A travel mug, real coffee machine (no Keurigs!), and a tub of coffee grounds is way cheaper. At Starbucks/Dunkin/Tim Horton’s you’re paying three dollars a cup for something you could make at home for pennies. Even if you drink lattes/something espresso-based instead of drip coffee, a stovetop espresso maker, milk frother, and a bottle of your favorite syrup works out to be cheaper over time, and you can control exactly what goes into your drink! 

4. Download Honey

Honey is a browser extension that automatically checks for coupon codes/cash back options when you’re shopping online. In my experience, it works everywhere but Amazon (their discount codes tend to be product-specific so the odds are low that you’re buying the exact right thing), but it can net you some pretty major savings with little to no effort.

5. Move the fuck out of your dorm (maybe)

At least at my school, living in a shared dorm room costs literally twice what it costs me to live off campus in a large two-bedroom apartment (my boyfriend and I use the second bedroom as a home office). Also watch out for any school-affiliated apartments that lure you in with amenities like a pool, rec center, or game room--they tend to be even more expensive, and you probably won’t use the extra amenities that often. Do your research, of course, because there are some places with a high cost of living where rent will definitely cost more than the dorms. That said, you’re most likely paying extra for things like cleaning and maintenance when you could easily do that yourself (and not have to share a bathroom with twenty strangers either). Move out, feel like an adult, and thank me later.

6. Take care of the things you have

Even if you’re buying cheaper things instead of investment pieces, if you take care of them they should last a long time and save you money on replacements. All of my furniture is hand-me-downs from IKEA, so when I moved into my current apartment I was extra careful to cover the edges of things made out of cheap particle board and make sure that nothing scratched the paint on my bed frame. Don’t treat anything like it’s disposable--being careless with your things can add up.

7. Thrift stores, dollar stores, and discount grocery stores!

I fucking live for the deals I can find at inexpensive stores like these. Chances are, you have these options near you, but you may not have considered shopping there because your family never did. Keep in mind that just because your parents might be able to afford shopping at Wegman’s or Whole Foods as grown-ass adults, that doesn’t mean your college budget can handle it. Open your mind. Thrift stores are great for clothes (just check for holes, sweat stains, and weird smells and wash before you wear), but they can also have furniture (don’t get anything with fabric, though--stick to all-wooden or metal pieces), kitchen stuff (I got a set of beautiful wine glasses for six dollars one time), or storage containers. Dollar stores are the best place to find cleaning or kitchen supplies, as well as things like Q-tips and cotton balls, paper towels, or little containers to organize with. I would steer clear of the makeup and the food, however. Buy your food at discount grocery stores (like Aldi’s, PriceRite, etc.). While they may not look like the grocery stores you’re used to (at Aldi’s, for instance, they keep the projects in the cardboard cartons they come in to make stocking faster and cheaper), their products are just as good and wayyyy cheaper--I usually pay around $50 for groceries that feed my boyfriend and me for two weeks. If you don’t have a similar store near you, try buying the generic brand of most foods, and sticking to whatever produce is in season--it’ll be cheaper and taste better.

8. Student discounts (obviously)

This is a pretty basic one. I got Microsoft Office for free and a free six months of Amazon Prime (and then a half-priced subscription) with my student email, but you can get discounts at a lot of places. Check this list to see. 

9. Track what you spend and use it to set a budget that includes savings

The biggest thing that made a difference for me was actually seeing what I spent--it was way more than I thought. I hadn’t realized how quickly buying snacks, meals on campus, alcohol, and impulse buys to treat myself could add up. You can use an app like Mint to do this automatically, but I found that using a customized spreadsheet and inputting everything I spent when I spent it kept me the most accountable. I also tracked what category the purchase was (bills/food/entertainment/clothing/etc) and whether it was something I needed or not (groceries and a new pair of basic black heels for mock trial I needed, two new face masks I did not). Once I’d done this for a couple months, I added up all the categories and made a monthly budget for myself, making sure to budget some money for savings and restricting each category some, but not too much. If I didn’t let myself spend some money on makeup, books, or meals out, I’d go crazy--budgeting a small amount for “extra” stuff will keep you on track to save money, but without feeling overly restricted.

10. Credit card points and cash back

If you still use a debit card for everything, get a credit card. Having some kind of credit score is so important for everything from getting approved for loans to renting your own apartment. Just make sure that you’re paying it off on time, not letting a balance roll over from month to month, and not using more than a third of your credit limit at any time. Not only will you build credit, you can also earn cash back or airline points on purchases you’d be making anyway.

11. Take advantage of your school’s perks

I was paying four dollars a day to take the metro to and from campus, which doesn’t sound like much, but it adds up over time (I have classes three days a week this semester, so that’s almost fifty dollars a month at minimum). Recently, I realized that my school has a shuttle that comes once an hour close to my apartment--all I have to do is leave ten minutes earlier every day, and I save fifty dollars a month just by using what my school offers. The same principle applies to things like your school’s gym, free food at events, free coffee or tea on campus, services at your career services office, or even the student health center. It’s included in your (probably way too high) tuition anyway, so you might as well use it and not waste the money!

12. Find dupes

I was obsessed with the trio of serums Glossier released a few months back, but the set cost $65, so I held back. I’m so glad I did, because I found this skincare brand called The Ordinary, which sold serums with basically the same chemical composition for less than $10 each (some for around $5-6). They also come in larger bottles, and I was fucking sold. I’m a sucker for Glossier’s aesthetic, but I’m also broke as hell. If you’re interested in the specific dupes, here are ones similar to Super Bounce, Super Glow, and Super Pure. (ELF’s eyebrow treat and tame is also basically the same as Boy Brow--you’re welcome). So many products in the beauty/skincare realm are marked up simply because of their brand name, and it’s worth looking around for similar things at lower price points--especially when it comes to skincare, if you know the active ingredients in a product it’s easy to find something similar without the gimmicks.

13. Figure out whether you find it harder to spend with cash or card

...and then start carrying that one with you. Most people find it easier to spend on a card than to hand over cash, because you’re limited to the amount you have and you can physically see it leaving your hand. I find it easier to spend cash because I check my bank balance often and I only see card purchases reflected there--for me, it’s easier to hand over cash and forget about a purchase. Figure out which is harder for you to spend on and use that method as often as you can. Leave the other one at home. If you need more limitations, either only bring a certain amount of cash with you or transfer most of your money into savings and keep a low balance in your checking account--you can’t spend more than you make available to yourself.

14. Be prepared to do weird and/or creative things

Ultimately, how you save money depends on what you spend on. I don’t have laundry in my building, and it would cost me six dollars per load to do it across the street (the only laundry machines that are close enough to my building). So, I bought a little $50 hand-crank washing machine and a clothes rack, and I wash my clothes by hand in my bathroom and air-dry them. I also grow things like lettuce and basil in my kitchen windowsill. Be creative, and don’t spend money on things unless you have to.

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The Best Student Discounts You Don’t Want to Miss Out On

New Post has been published on https://financeqia.com/awesome/the-best-student-discounts-you-dont-want-to-miss-out-on/

The Best Student Discounts You Don’t Want to Miss Out On

Although college is expensive, it does come with some perks. One of the best things about being a student is all of the discounts that come with the title! Many companies offer discounts to students, some of which you may already be aware of, but some you may not; they’re not all advertised. To capitalize on these bargains, you should be sure to always carry your student ID card with you, even when you’re not on campus or you’re away on summertime breaking. Take advantage of having a student ID while you can; many student discounts are no longer available when your ID expires or when you turn 25 years old. Remember, it never hurts to ask if there’s a discount–the money you’ll save adds up promptly!

Amazon: All you need is an active. edu email address, and you can get six months of Amazon Prime for free. After your trial aims, you can get a Prime Student subscription for $49 annually, which is less than half the normal cost. With free two-day shipping for almost anything you might need, plus Kindle eBooks and Prime Video, it’s hard to come up with a reason not to sign up! Apple: Both current and newly accepted students can get discounts on new Apple devices like Macs and iPads to help with research studies! Additionally, students can get an Apple Music subscription for half-price ($ 4.99/ month ). FedEx: If you need to mail something, FedEx might have the best bargains around. Students receive 30% off the shipping cost of documents and envelopes, and 20% off the cost of packages. You must show your student ID in person to receive this discount. ID.me: This site offers specialized discounts and bargains to students who register–it’s free. The offers vary, but include discounts on apparel, travel, and technology. Retailers include Sperry, Nike, Ford, and Microsoft, but there are tons of others offering up to 15% off your buy and money back. Microsoft: A student email address will get you free access to Office 365, which includes programs like Word, Excel, PowerPoint, and OneNote. Additionally, students get a 10% discount on Windows devices, which could come in handy as you’re prepping for the next school years. The New York Times: For$ 1 per week, students can get access to unlimited articles on NYTimes.com. For $1.50, students can also get access to the crossword puzzles. The best part is, the rate remains the same for as long as you’re a student! Spotify and Hulu: These streaming services are offering a bundled deal to students, who can get both Spotify Premium and Hulu Limited Commercials for $4.99/ month. A Spotify Premium subscription is typically $9.99/ month, and Hulu starts at $7.99/ month, making this an awesome deal. StudentUniverse: Specializing in discounted hotels, flights, and tours for students between the ages of 18 and 25 years old, StudentUniverse has all of your travel requires covered. You must create a free account to access the discounted rates. Occasionally, promo codes offer greater discounts than the already discounted fares( for example, NEWFOR2 0 will get you an extra $20 off your first international flight ). This is a great resource for summertime journeys, study abroad, and travelling between home and campus. UNiDAYS: Like ID.me, UNiDAYS verifies your student status and gives you access to discounts and coupon codes available only to students. Categories including style, beauty, traveling, food, and technology. You must create an account to access the offers. Car Insurance: Whether you pay for your own insurance or you’re on your parents’ scheme, most insurance companies offer discounts for students, you maintain good grades. Print out your transcripts or present your most recent report card to your agent to ascertain your eligibility. Cell Phone Plan: T-Mobile offers discounted devices to students. AT& T offers monthly service discounts and discounted international plans to qualified faculty and students. Other mobile carriers may also offer discounts too; you’ll have to ask! Movie Theaters: Most large theater chains( AMC, Cinemark, Regal) offer discounted tickets for students. You’ll need to show your student ID to receive the inexpensive tickets. Museums: The list of museums that offer free or discounted admission to students is very long and spans the country( if not the world ). Check with any you’re planning to visit, and always travel with your student ID just in case. Restaurants: Many restaurants, especially casual chains like Chick-fil-A, Qdoba, and Burger King, offer student discounts. It never hurts to ask! Retail Stores: Similarly, many stores offer special discounts for students, including Jo-Ann Cloth and Crafts, J.Crew, Kate Spade, and more!

It never hurts to ask whether an event you’re attending or business you’re shopping at offers discounts for students. The worst anyone can say is “no, ” but as long as you ask, there’s the possibility that you’ll be rewarded with discounts. Your school may be another source for discounted tickets to local sporting events, reveals, and more.

Have a favorite student discount that’s not on the listing? Share it with us!

This article originally appeared on Student Caffe and was written by Hannah Holley.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees

Check out the testimonials and our in-depth review! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR( with AutoPay ). Variable rates from 2.540% APR to 7.115% APR( with AutoPay ). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on word of loan. Consider APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment is likely to be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. Consider eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic allowance from a savings or checking account.* To check the rates and words you qualify for, SoFi conducts a soft credit investigation. Unlike hard credit investigations, soft credit investigations( or soft credit pulls) do not impact your credit rating. Soft credit inquiries let SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting bureaux, which is considered a hard credit investigation. Hard credit inquiries( or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate scopes are current as of March 20, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and gratify SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible fiscal history and satisfy other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible fiscal history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state limiteds. SoFi refinance loans are private loans and do not have the same repayment alternatives that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp ., NMLS# 1121636.( www.nmlsconsumeraccess.org)

2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10 -year( non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https :// www.earnest.com/ eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR( with Auto Pay) to 7.89% APR( with Auto Pay ). Variable rate loan rates range from 2.54% APR( with Auto Pay) to 7.27% APR( with Auto Pay ). For variable rate loans, although the interest rate will differ after you are approved, the interest rate will never surpass 8.95% for loan terms 10 years or less. For loan words of 10 years to 15 years, the interest rate will never surpass 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95%( the maximum rates for these loans ). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate( LIBOR ). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the a few months LIBOR. The rate will not increase more than once per month. Earnest rate scopes are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you induce monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent( 0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, intermission, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS# 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401 N, San Francisco, CA 94107. Words and Conditions apply. Visit https :// www.earnest.com/ terms-of-service, email us at hello @earnest. com, or call 888 -6 01 -2 801 for more information on ourstudent loan refinance product.

( c) 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate alternatives consist of a range from 3.75% per year to 5.80% per year for a 5-year word, 5.14% per year to 6.25% per year for a 7-year word, 5.24% per year to 6.65% per year for a 10 -year word, 5.30% per year to 7.05% per year for a 15 -year word, or 5.61% per year to 7.27% per year for a 20 -year word, with no origination fees. The fixed interest rate are applicable to until the loan is paid in full( whether before or after default, and whether before or after the scheduled maturity date of the loan ). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year word would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year word would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10 -year term would be from $107.24 to $114.31. The monthly pay for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15 -year word would be from $80.65 to $90.16. The monthly pay for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20 -year term would be from $69.41 to $79.16.

However, if the borrower chooses to build monthly payments automatically by electronic funds transfer( EFT) from a bank account, the fixed interest rate will decrease by 0.25%, and will increase back up to the regular fixed rate described in the preceding paragraph if the borrower stops building( or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year word, 4.90% per year to 6.40% per year for a 10 -year word, 5.15% per year to 6.65% per year for a 15 -year term, or 5.40% per year to 6.90% per year for a 20 -year word, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of each month( “Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate( LIBOR)( currency in US dollars ), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate( APR) will increase or lessening when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10 -year term loan, 2.65% to 4.15% for the 15 -year term loan, and 2.90% to 4.40% for the 20 -year term loan, respectively, to the 1-month LIBOR index published on the 25 th day of every month immediately preceding each “Change Date, ” as defined above, rounded to two decimal places, with no origination fees. If the 25 th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25 th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year word would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10 -year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15 -year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20 -year word would be from $68.23 to $76.93.

However, if the borrower chooses to attain monthly pays automatically by electronic monies transfer( EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops stimulating( or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation class, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for benefits refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible nation to qualify for a loan. Certain membership requirements( including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, words, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with , nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered words are subject to change. Loan are offered by CommonBond Lending, LLC( NMLS# 1175900 ). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan word selected and will be within the scopes of rates shown.

All Annual Percentage Rates( APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Revealing: Variable rate, on the basis of the one-month London Interbank Offered Rate (” LIBOR “) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2. 48%. Variable interest rates range from 2.98% -9. 72%( 2.98% -9. 72% APR) and will fluctuate over the word of the borrower’s loan with changes in the LIBOR rate, and will differ based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89% -9. 99%( 3.89% -9. 99% APR) based on applicable words, level of degree earned and presence of a co-signer. Lowest rates presented are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount revealings. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure datum before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based refund alternatives or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http :// studentaid.ed.gov /. We also have several resources available to help the borrower make a decision at http :// www.citizensbank.com/ EdRefinance, including Should I Refinance My Student Loans ? and our FAQs. Should I Refinance My Student Loans ? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive pays of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident foreigner with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer( if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not reached the age of majority in their state of residency, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/ consumer credit agreement, verification of application info, certification of borrower’s student loan amount( s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer( if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer( if applicable) have submitted a completed application permitting us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, charge card account, or other student loans owned by Citizens Bank, N.A. Please note, our the monitoring and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Restriction of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such day as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when pays are not due, such as during patience. If our loan servicer is unable to successfully withdraw the automatic allowances from the designated account three or more days within any 12 -month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after stimulating 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments shall be considered as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as one of the purposes of the review. Borrowers who use deferment or patience required to construct 36 consecutive on-time pays after reentering refund to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an have applied for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the have applied for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents.

2. 54%- 7.12% 3Undergrad& Graduate

Visit SoFi

2. 54%- 7.27% 1Undergrad& Graduate

Visit Earnest

2. 67%- 8.96% 4Undergrad& Graduate

Visit Lendkey

3. 23%- 6.65% 2Undergrad& Graduate

Visit Laurel Road

2. 69%- 7.43% 5Undergrad& Graduate

Visit CommonBond

2. 98%- 9.72% 6Undergrad& Graduate

Visit Citizens

Our squad at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or ad fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process , nor do we stimulate credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

The post The Best Student Discounts You Don’t Want to Miss Out On seemed first on Student Loan Hero.

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The Best Student Discounts You Don’t Want to Miss Out On

Although college is expensive, it does come with some perks. One of the best things about being a student is all of the discounts that come with the title! Many companies offer discounts to students, some of which you may already be aware of, but some you may not; they’re not all advertised. To capitalize on these deals, you should be sure to always carry your student ID card with you, even when you’re not on campus or you’re away on summer break. Take advantage of having a student ID while you can; many student discounts are no longer available when your ID expires or when you turn 25 years old. Remember, it never hurts to ask if there’s a discount—the money you’ll save adds up quickly!

Amazon: All you need is an active .edu email address, and you can get six months of Amazon Prime for free. After your trial ends, you can get a Prime Student subscription for $49 annually, which is less than half the normal price. With free two-day shipping for almost anything you might need, plus Kindle eBooks and Prime Video, it’s hard to come up with a reason not to sign up! Apple: Both current and newly accepted students can get discounts on new Apple devices like Macs and iPads to help with their studies! Additionally, students can get an Apple Music subscription for half-price ($4.99/month). FedEx: If you need to mail something, FedEx might have the best deals around. Students receive 30% off the shipping cost of documents and envelopes, and 20% off the cost of packages. You must show your student ID in person to receive this discount. ID.me: This site offers specialized discounts and deals to students who register—it’s free. The offers vary, but include discounts on clothing, travel, and technology. Retailers include Sperry, Nike, Ford, and Microsoft, but there are tons of others offering up to 15% off your purchase and cash back. Microsoft: A student email address will get you free access to Office 365, which includes programs like Word, Excel, PowerPoint, and OneNote. Additionally, students get a 10% discount on Windows devices, which could come in handy as you’re prepping for the next school year. The New York Times: For $1 per week, students can get access to unlimited articles on NYTimes.com. For $1.50, students can also get access to the crossword puzzles. The best part is, the rate stays the same for as long as you’re a student! Spotify and Hulu: These streaming services are offering a bundled deal to students, who can get both Spotify Premium and Hulu Limited Commercials for $4.99/month. A Spotify Premium subscription is typically $9.99/month, and Hulu starts at $7.99/month, making this an awesome deal. StudentUniverse: Specializing in discounted hotels, flights, and tours for students between the ages of 18 and 25 years old, StudentUniverse has all of your travel needs covered. You must create a free account to access the discounted rates. Occasionally, promo codes offer greater discounts than the already discounted fares (for example, NEWFOR20 will get you an extra $20 off your first international flight). This is a great resource for summer trips, study abroad, and travel between home and campus. UNiDAYS: Like ID.me, UNiDAYS verifies your student status and gives you access to discounts and coupon codes available only to students. Categories including fashion, beauty, travel, food, and technology. You must create an account to access the offers. Car Insurance: Whether you pay for your own insurance or you’re on your parents’ plan, most insurance companies offer discounts for students, provided you maintain good grades. Print out your transcripts or show your most recent report card to your agent to determine your eligibility. Cell Phone Plans: T-Mobile offers discounted devices to students. AT&T offers monthly service discounts and discounted international plans to qualified faculty and students. Other mobile carriers may also offer discounts too; you’ll have to ask! Movie Theaters: Most large theater chains (AMC, Cinemark, Regal) offer discounted tickets for students. You’ll need to show your student ID to receive the cheap tickets. Museums: The list of museums that offer free or discounted admission to students is very long and spans the country (if not the world). Check with any you’re planning to visit, and always travel with your student ID just in case. Restaurants: Many restaurants, especially casual chains like Chick-fil-A, Qdoba, and Burger King, offer student discounts. It never hurts to ask! Retail Stores: Similarly, many stores offer special discounts for students, including Jo-Ann Fabrics and Crafts, J.Crew, Kate Spade, and more!

It never hurts to ask whether an event you’re attending or business you’re shopping at offers discounts for students. The worst anyone can say is “no,” but as long as you ask, there’s the possibility that you’ll be rewarded with discounts. Your school may be another source for discounted tickets to local sporting events, shows, and more.

Have a favorite student discount that’s not on the list? Share it with us!

This article originally appeared on Student Caffe and was written by Hannah Holley.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.540% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 20, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year term, 4.90% per year to 6.40% per year for a 10-year term, 5.15% per year to 6.65% per year for a 15-year term, or 5.40% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year term would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10-year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15-year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20-year term would be from $68.23 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.54% – 7.12%3Undergrad & Graduate

Visit SoFi

2.54% – 7.27%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

The post The Best Student Discounts You Don’t Want to Miss Out On appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/best-student-discounts-dont-want-miss/

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The Best Student Discounts You Don’t Want to Miss Out On

Although college is expensive, it does come with some perks. One of the best things about being a student is all of the discounts that come with the title! Many companies offer discounts to students, some of which you may already be aware of, but some you may not; they’re not all advertised. To capitalize on these deals, you should be sure to always carry your student ID card with you, even when you’re not on campus or you’re away on summer break. Take advantage of having a student ID while you can; many student discounts are no longer available when your ID expires or when you turn 25 years old. Remember, it never hurts to ask if there’s a discount—the money you’ll save adds up quickly!

Amazon: All you need is an active .edu email address, and you can get six months of Amazon Prime for free. After your trial ends, you can get a Prime Student subscription for $49 annually, which is less than half the normal price. With free two-day shipping for almost anything you might need, plus Kindle eBooks and Prime Video, it’s hard to come up with a reason not to sign up! Apple: Both current and newly accepted students can get discounts on new Apple devices like Macs and iPads to help with their studies! Additionally, students can get an Apple Music subscription for half-price ($4.99/month). FedEx: If you need to mail something, FedEx might have the best deals around. Students receive 30% off the shipping cost of documents and envelopes, and 20% off the cost of packages. You must show your student ID in person to receive this discount. ID.me: This site offers specialized discounts and deals to students who register—it’s free. The offers vary, but include discounts on clothing, travel, and technology. Retailers include Sperry, Nike, Ford, and Microsoft, but there are tons of others offering up to 15% off your purchase and cash back. Microsoft: A student email address will get you free access to Office 365, which includes programs like Word, Excel, PowerPoint, and OneNote. Additionally, students get a 10% discount on Windows devices, which could come in handy as you’re prepping for the next school year. The New York Times: For $1 per week, students can get access to unlimited articles on NYTimes.com. For $1.50, students can also get access to the crossword puzzles. The best part is, the rate stays the same for as long as you’re a student! Spotify and Hulu: These streaming services are offering a bundled deal to students, who can get both Spotify Premium and Hulu Limited Commercials for $4.99/month. A Spotify Premium subscription is typically $9.99/month, and Hulu starts at $7.99/month, making this an awesome deal. StudentUniverse: Specializing in discounted hotels, flights, and tours for students between the ages of 18 and 25 years old, StudentUniverse has all of your travel needs covered. You must create a free account to access the discounted rates. Occasionally, promo codes offer greater discounts than the already discounted fares (for example, NEWFOR20 will get you an extra $20 off your first international flight). This is a great resource for summer trips, study abroad, and travel between home and campus. UNiDAYS: Like ID.me, UNiDAYS verifies your student status and gives you access to discounts and coupon codes available only to students. Categories including fashion, beauty, travel, food, and technology. You must create an account to access the offers. Car Insurance: Whether you pay for your own insurance or you’re on your parents’ plan, most insurance companies offer discounts for students, provided you maintain good grades. Print out your transcripts or show your most recent report card to your agent to determine your eligibility. Cell Phone Plans: T-Mobile offers discounted devices to students. AT&T offers monthly service discounts and discounted international plans to qualified faculty and students. Other mobile carriers may also offer discounts too; you’ll have to ask! Movie Theaters: Most large theater chains (AMC, Cinemark, Regal) offer discounted tickets for students. You’ll need to show your student ID to receive the cheap tickets. Museums: The list of museums that offer free or discounted admission to students is very long and spans the country (if not the world). Check with any you’re planning to visit, and always travel with your student ID just in case. Restaurants: Many restaurants, especially casual chains like Chick-fil-A, Qdoba, and Burger King, offer student discounts. It never hurts to ask! Retail Stores: Similarly, many stores offer special discounts for students, including Jo-Ann Fabrics and Crafts, J.Crew, Kate Spade, and more!

It never hurts to ask whether an event you’re attending or business you’re shopping at offers discounts for students. The worst anyone can say is “no,” but as long as you ask, there’s the possibility that you’ll be rewarded with discounts. Your school may be another source for discounted tickets to local sporting events, shows, and more.

Have a favorite student discount that’s not on the list? Share it with us!

This article originally appeared on Student Caffe and was written by Hannah Holley.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.540% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 20, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year term, 4.90% per year to 6.40% per year for a 10-year term, 5.15% per year to 6.65% per year for a 15-year term, or 5.40% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year term would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10-year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15-year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20-year term would be from $68.23 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.54% – 7.12%3Undergrad & Graduate

Visit SoFi

2.54% – 7.27%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

The post The Best Student Discounts You Don’t Want to Miss Out On appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/best-student-discounts-dont-want-miss/

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The Best Student Discounts You Don’t Want to Miss Out On

Although college is expensive, it does come with some perks. One of the best things about being a student is all of the discounts that come with the title! Many companies offer discounts to students, some of which you may already be aware of, but some you may not; they’re not all advertised. To capitalize on these deals, you should be sure to always carry your student ID card with you, even when you’re not on campus or you’re away on summer break. Take advantage of having a student ID while you can; many student discounts are no longer available when your ID expires or when you turn 25 years old. Remember, it never hurts to ask if there’s a discount—the money you’ll save adds up quickly!

Amazon: All you need is an active .edu email address, and you can get six months of Amazon Prime for free. After your trial ends, you can get a Prime Student subscription for $49 annually, which is less than half the normal price. With free two-day shipping for almost anything you might need, plus Kindle eBooks and Prime Video, it’s hard to come up with a reason not to sign up! Apple: Both current and newly accepted students can get discounts on new Apple devices like Macs and iPads to help with their studies! Additionally, students can get an Apple Music subscription for half-price ($4.99/month). FedEx: If you need to mail something, FedEx might have the best deals around. Students receive 30% off the shipping cost of documents and envelopes, and 20% off the cost of packages. You must show your student ID in person to receive this discount. ID.me: This site offers specialized discounts and deals to students who register—it’s free. The offers vary, but include discounts on clothing, travel, and technology. Retailers include Sperry, Nike, Ford, and Microsoft, but there are tons of others offering up to 15% off your purchase and cash back. Microsoft: A student email address will get you free access to Office 365, which includes programs like Word, Excel, PowerPoint, and OneNote. Additionally, students get a 10% discount on Windows devices, which could come in handy as you’re prepping for the next school year. The New York Times: For $1 per week, students can get access to unlimited articles on NYTimes.com. For $1.50, students can also get access to the crossword puzzles. The best part is, the rate stays the same for as long as you’re a student! Spotify and Hulu: These streaming services are offering a bundled deal to students, who can get both Spotify Premium and Hulu Limited Commercials for $4.99/month. A Spotify Premium subscription is typically $9.99/month, and Hulu starts at $7.99/month, making this an awesome deal. StudentUniverse: Specializing in discounted hotels, flights, and tours for students between the ages of 18 and 25 years old, StudentUniverse has all of your travel needs covered. You must create a free account to access the discounted rates. Occasionally, promo codes offer greater discounts than the already discounted fares (for example, NEWFOR20 will get you an extra $20 off your first international flight). This is a great resource for summer trips, study abroad, and travel between home and campus. UNiDAYS: Like ID.me, UNiDAYS verifies your student status and gives you access to discounts and coupon codes available only to students. Categories including fashion, beauty, travel, food, and technology. You must create an account to access the offers. Car Insurance: Whether you pay for your own insurance or you’re on your parents’ plan, most insurance companies offer discounts for students, provided you maintain good grades. Print out your transcripts or show your most recent report card to your agent to determine your eligibility. Cell Phone Plans: T-Mobile offers discounted devices to students. AT&T offers monthly service discounts and discounted international plans to qualified faculty and students. Other mobile carriers may also offer discounts too; you’ll have to ask! Movie Theaters: Most large theater chains (AMC, Cinemark, Regal) offer discounted tickets for students. You’ll need to show your student ID to receive the cheap tickets. Museums: The list of museums that offer free or discounted admission to students is very long and spans the country (if not the world). Check with any you’re planning to visit, and always travel with your student ID just in case. Restaurants: Many restaurants, especially casual chains like Chick-fil-A, Qdoba, and Burger King, offer student discounts. It never hurts to ask! Retail Stores: Similarly, many stores offer special discounts for students, including Jo-Ann Fabrics and Crafts, J.Crew, Kate Spade, and more!

It never hurts to ask whether an event you’re attending or business you’re shopping at offers discounts for students. The worst anyone can say is “no,” but as long as you ask, there’s the possibility that you’ll be rewarded with discounts. Your school may be another source for discounted tickets to local sporting events, shows, and more.

Have a favorite student discount that’s not on the list? Share it with us!

This article originally appeared on Student Caffe and was written by Hannah Holley.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.540% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 20, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year term, 4.90% per year to 6.40% per year for a 10-year term, 5.15% per year to 6.65% per year for a 15-year term, or 5.40% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year term would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10-year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15-year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20-year term would be from $68.23 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.54% – 7.12%3Undergrad & Graduate

Visit SoFi

2.54% – 7.27%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

The post The Best Student Discounts You Don’t Want to Miss Out On appeared first on Student Loan Hero.

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Each time when instruction budget plans are being actually tested our required training programs are a stroll. Profit from the specialists through on-line training for all the truths, explanations for other techniques made use of plus all of the problems that you should recognize. Passing away from a NCLEX-RN evaluation is actually obligatory for obtaining your RN credentials validated.

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Silicon Valley Courts Brand-Name Teachers, Raising Ethics Issues

If you were a teacher, would you sign up as a “brand ambassador” for products you use in the classroom, and praise these products through social networks and other outlets, in exchange for free classroom technology or $80 Amazon gift card, or is this a conflict of interest? If you were a principal, would you encourage your teachers to do this? Why? What are the ethics underlying your decision?

One of the tech-savviest teachers in the United States teaches third grade here at Mapleton Elementary, a public school with about 100 students in the sparsely populated plains west of Fargo.

Her name is Kayla Delzer. Her third graders adore her. She teaches them to post daily on the class Twitter and Instagram accounts she set up. She remodeled her classroom based on Starbucks. And she uses apps like Seesaw, a student portfolio platform where teachers and parents may view and comment on a child’s schoolwork.

Ms. Delzer also has a second calling. She is a schoolteacher with her own brand, Top Dog Teaching. Education start-ups like Seesaw give her their premium classroom technology as well as swag like T-shirts or freebies for the teachers who attend her workshops. She agrees to use their products in her classroom and give the companies feedback. And she recommends their wares to thousands of teachers who follow her on social media.

“I will embed it in my brand every day,” Ms. Delzer said of Seesaw. “I get to make it better.”

Ms. Delzer is a member of a growing tribe of teacher influencers, many of whom promote classroom technology. They attract notice through their blogs, social media accounts and conference talks. And they are cultivated not only by start-ups like Seesaw, but by giants like Amazon, Apple, Googleand Microsoft, to influence which tools are used to teach American schoolchildren.

Their ranks are growing as public schools increasingly adopt all manner of laptops, tablets, math teaching sites, quiz apps and parent-teacher messaging apps. The corporate courtship of these teachers brings with it profound new conflict-of-interest issues for the nation’s public schools.

Moreover, there is little rigorous research showing whether or not the new technologies significantly improve student outcomes.

More than two dozen education start-ups have enlisted teachers as brand ambassadors. Some give the teachers inexpensive gifts like free classroom technology or T-shirts. Last year, TenMarks, a math-teaching site owned by Amazon, offered Amazon gift cards to teachers who acted as company advisers, and an additional $80 gift card for writing a post on its blog, according to a TenMarks online forum.

Teachers said that more established start-ups gave them pricier perks like travel expenses to industry-sponsored conferences attended by thousands of teachers. In exchange, teacher ambassadors often promote company products on social media or in their conference talks — sometimes without explicitly disclosing their relationships with their sponsors.

Many public schools are facing tight budgets, and administrators, including the principal at Ms. Delzer’s school, said they welcomed potentially valuable free technology and product training. Even so, some education experts warned that company incentives might influence teachers to adopt promoted digital tools over rival products or even traditional approaches, like textbooks.

“Teachers can’t help but be seduced to make greater use of the technology, given these efforts by tech companies,” said Samuel E. Abrams, director of the National Center for the Study of Privatization in Education at Teachers College, Columbia University.

Public-school teachers who accept perks, meals or anything of value in exchange for using a company’s products in their classrooms could also run afoul of school district ethics policies or state laws regulating government employees.

“Any time you are paying a public employee to promote a product in the public classroom without transparency, then that’s problematic,” said James E. Tierney, a former attorney general of Maine who is a lecturer at Harvard Law School. “Should attorneys general be concerned about this practice? The answer is yes.”

Ms. Delzer and other educators forcefully argue that they’re motivated by altruism, and not company-bestowed status or gifts. “I am in this profession for kids,” Ms. Delzer said, “not for notoriety or the money.”

At a time when teachers shell out an average of $600 of their own money every year just to buy student supplies like pencils — and make pleas for student laptops on DonorsChoose.org, a fund-raising site — it’s understandable that teachers would embrace free classroom technology.

“My kids have access to awesome things that, as a district, we could never afford,” said Nicholas Provenzano, an English teacher in the Detroit area who is an ambassador for companies that make $1,299 3-D printers and $300 coding kits. He noted that he had apprised his school, and his students, of his company ties.

Another important draw for teachers, who already often feel underappreciated: Having tech companies, the icons of American society, seek their views provides welcome attention. “Teachers have really responded well to feeling like they are being listened to,” said Carl Sjogreen, a co-founder of Seesaw.

The benefits to companies are substantial. Many start-ups enlist their ambassadors as product testers and de facto customer service representatives who can field other teachers’ queries.

Apple, Google and Microsoft, which are in education partly to woo students as lifetime users of their products, have more sophisticated teacher efforts — with names like the Apple Distinguished Educators program, Google for Education’s Certified Innovator Program and Microsoft Innovative Educator Expert program. Each yearlong program selects teachers to attend a conference and work with the company to help create, or develop, education innovations, often using company tools. The tech giants position their programs as professional development for teachers, not marketing exercises.

Microsoft and Apple said they worked with schools to make sure any conference travel expenses they covered for teachers complied with district ethics rules. Google said it provided meals but not teachers’ travel expenses.

An Amazon representative, responding to a question about the gift cards that TenMarks offered to certain teachers last year, said that the company had not given that incentive recently and that it had procedures “to ensure our compliance with applicable laws and to help facilitate teachers’ obligations to their schools.”

The competition for these teacher evangelists has become so fierce that GoEnnounce, a one-year-old platform where students can share profiles of their accomplishments, decided to offer a financial incentive — a 15 percent cut of any school sales that resulted from referrals — to Ms. Delzer and a few other selected teachers just to try to keep up with rival companies’ perks.

So far, no teacher has asked for the payment, said Melissa Davis, GoEnnounce’s chief executive. Still, she said, teacher referrals accounted for 20 percent of GoEnnounce’s first-year sales.

“These champions are really essential in giving us a really powerful foot in the door to meet with districts and schools,” Ms. Davis said.

The medical profession has long wrestled with a similar issue: Can pharmaceutical-company gifts like speaking fees or conference junkets influence physicians to prescribe certain medications? A recent study of nearly 280,000 doctors concluded that physicians who received even one free meal promoting a specific brand of medicine prescribed that medication at significantly higher rates than they did similar drugs. Drug makers are now required by law to provide details on their payments — including gifts, meals and fees for promotional speeches — to a range of physicians and academic medical centers.

Unlike industry influence in medicine, however, the phenomenon of company-affiliated teachers has received little scrutiny. Twitter alone is rife with educators broadcasting their company-bestowed titles.

“If medical experts started saying, ‘I’m a Google Certified Doctor’ or ‘I’m a Pfizer Distinguished Nurse,’ people would be up in arms,” said Douglas A. Levin, president of EdTech Strategies, a consulting firm.

Another issue: The Federal Trade Commission considers sponsored posts to be a form of advertising. It expects people who receive a product, a meal or anything else of value from a company, in exchange for promoting a product, to disclose that sponsorship when they endorse the product.

This is true for celebrities and teachers alike. And it applies equally to conferences, YouTube videos, personal blogs or Twitter posts.

Some teachers and start-ups said they were not aware of those guidelines.

“If you are receiving any sort of incentive to promote the company’s product, that is what we call a material relationship,” said Mary K. Engle, associate director of the trade commission’s division of advertising practices, “and that has to be clearly and conspicuously disclosed in the endorsement message.”

For some teachers, corporate relationships can be steppingstones to lucrative speaking or training engagements. Schools often hire company-connected educators to give training sessions to their teachers. And technology conferences for teachers often book influential teachers as speakers.

Ms. Delzer said her fees for such events started at several thousand dollars a day. Some veteran education influencers charge much more.

To do it all, Ms. Delzer negotiated a special contract with her district, allowing her to take 10 unpaid days off a year. She uses those days off to give speeches and run teacher workshops for other schools.

She spends some evenings and weekends doing her consulting work. She also co-founded her own teacher training conference, called Happy Go Teach.

“It’s like two full-time jobs,” Ms. Delzer said.

The Starbucks Classroom

Just before 8:30 a.m. on school days, Ms. Delzer, 32, stations herself at the classroom door. She greets each of her third graders by name, ushering them in one by one with a brief shoulder squeeze. “I want them to feel love when they walk in,” she said.

If her classroom looks less like a traditional schoolroom and more like a den — with a colorful rug and inspirational signs exhorting children to “DREAM” and “LAUGH” — that is no accident. A few years ago, Ms. Delzer decided to remodel her classroom to foster the kind of independent work habits she thought her students would need in life.

So she ditched the standard-issue desks and rearranged the room to look more like the place where she goes to work on her conference talks: her local Starbucks. Today, her third graders sit wherever they please — on cushions, rocking chairs, balance balls.

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