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5 Tips For Succeeding In College As A Veteran

February 10, 2020

Current and newly transitioning service members who assume control of their college careers may initially find it a challenge. When you’re accustomed to following a regimented schedule, it can be tough managing study sessions, test preparation, assignments and interaction with new peers. Yet, the discipline and training that you’ve honed during your service — such as time management, attentiveness, and organization — can give you an edge in succeeding as a student.

As a veteran, you’re also empowered in a unique way. You have a singular worldview as a result of your experience and access to benefits that other students aren’t eligible for, such as the GI Bill. If you’re ready to pursue your degree, here are five tips for succeeding in college as a veteran.

1. Develop a Plan

Planning is key when preparing for military operations, and taking the next steps in your education is no different. Prospective students should contact their schools of choice for academic advising. An advisor can help answer questions about a particular area of study or degree plan. This ensures that you take the proper subjects in order to earn your degree. To be a successful student, consult with your professors and advisors about your course options before registering for classes.

2. Connect With a Veteran’s Administrator About Your Benefits

If you’ve been on active duty for at least two years, you’re entitled to certain benefits through the GI Bill. The bill provides students with a direct monthly payment they can use to cover fees, tuition, books, and other costs. Be sure to find the veteran’s office on campus, where you can connect with an administrator to discuss your unique situation. A veteran’s administrator can guide you through the process of claiming your benefits and the various documents you need to complete.

3. Create a Network

College is the ideal place to begin building a network of peers and future professionals. These connections, made both in and out of the classroom, can help you with your career trajectory. Networking is also a great way to find mentors who can provide valuable advice for your goals and point you in the right academic direction. A mentor could also help reduce culture shock, open the door to new opportunities and introduce you to new people.

4. Utilize Military-Specific Student Groups

Connecting with a military community on campus can help new veterans relate to the challenges of transitioning into college and civilian life. Many institutions of higher learning offer veteran-specific orientations, classes and organizations, which can serve as a support system and source of comfort. Bonding with peers from similar backgrounds can also make a veteran student’s academic career more rewarding.

5. Get Involved

While a strong support network is important, don’t let your military group be the only individuals you interact with on campus. Daily contact with new people from various backgrounds can help enrich your experience. Getting involved in organizations such as sports leagues, honor societies, fraternities or sororities and civic or cultural groups is a great way to meet new people, discover your passions and unwind from the stresses of school.

College doesn’t have to be an unfamiliar, foreign ordeal after your time in the military. Today’s universities offer veterans convenient ways to gain the education they desire. By taking the right steps and utilizing the resources available, a veteran can successfully transition into life as a student.

Bio: Jeremy Silverstein is Vice President of Operations and Vehicle Dispatching at Veteran Car Donations. During the years he’s been with the organization, he has become quite an expert in the industry and has handled tens of thousands of donated vehicles.

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Advice for Transfer Students: 5 Ways to Adapt to a New College

January 9, 2020
Happy

Depending on your outlook, transferring to a new college can be an exciting opportunity or an intimidating experience. From learning the campus to making new friends, transferring can be a challenge, but, we have some secrets that will make it a smoother adjustment. With these tips, it shouldn’t be hard at all.

If you’re a transfer student, here are five ways to adapt to your new college so you feel right at home!

1. Attend Orientation

The first thing you need to do is learn the layout of the campus, so make sure you attend your orientation! You’ll get a guided tour with current students who can answer any questions you have. It’s a great opportunity to learn about campus life, academics, and social activities.

Orientations are for new students only, so it’s also a chance to meet other students who are new to the school just like you!

2. Meet With Your Advisor

Schedule a meeting with your advisor as soon as possible. They will be able to tell you what classes you need to take, what credits transferred from your old school, and what you need to do to graduate on time.

College advisors are a great source of other information too. They can provide guidance on career paths and connect you with professors who specialize in your field. Advisors are there to help you succeed before and after graduation.

So don’t be shy! You can ask your college advisor questions regarding anything you want to know about your new school!

3. Get Involved in Campus Activities

Graduating on time should be your main focus, but you can’t study all the time. You also need to have some fun! Join clubs, teams, or other campus organizations that interest you. This is a great way to make new friends that are passionate about the same things as you.

Technically, classes are campus activities. So make it a point to get involved in class discussions as well. Being active in class is a good way to connect with other students and impress your professors at the same time.

Don’t assume that everyone on campus already knows each other. Especially if you’re on a big campus, most people won’t even know that you’re new. As long as you put yourself out there, you’ll make new friends in no time!

4. Attend Campus Events

Most colleges provide lots of free (or inexpensive) activities for students. So attend football, lacrosse, or basketball games. Check out performances from the campus theater group, orchestra, or jazz band. Go to art exhibitions or networking events for professional development. Head to a yoga class or sign up for a fitness course at the campus rec center.

These are just a few of the ways that you can expose yourself to new things and meet new friends in the process. Be sure to take advantage of every opportunity to do fun things with new people. You’re going to have a blast!

5. Live on Campus

If possible, live in an on-campus dorm. It will be much easier to assimilate into the campus culture if you eat, sleep, and hang out there. Plus, it’s the best way to get the full college experience.

It’s tempting to want to live in an off-campus apartment, but as a transfer student, you run the risk of isolating yourself, especially if you don’t know anyone at school. Living in a dorm will instantly put you amongst other students. As long as you make a point to introduce yourself and start conversations, you’ll quickly become a part of the scene. Some of these people just might become your new best friends!


If you want to make your transfer as easy as possible, start by attending orientation. Then, meet with your advisor to make sure you’re on the right track academically. Add a few clubs and organizations that interest you, start to take advantage of campus resources and events, and live on campus if you can. It will help you get the most out of your college experience.

With these tips and tricks in mind, it shouldn’t take long before your new school feels like home! 

Bio: Elaine Chavez is the Business Manager at 625 Broadway. With over 8 years of experience in the industry, she begins and ends each day loving what she does. She is passionate about helping people find the perfect place to call home and shines at building a community that everyone is proud to be a part of.

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5 Budget Tips for Decorating Your First Home or Apartment

November 21, 2019

Whether you’re moving into off-campus housing during college or settling into a new place post-graduation, the independence of living in your own space is exciting! Turning a new house or apartment into a home is one of the many tasks to complete once you move in. However, decorating can be costly, especially if you’re strapped for cash. Here are some decorating tips that are not only budget-friendly but will enhance your new home. 

Dual-Storage

Directly following your move, finding the time to unpack can be difficult. Figuring out where everything should go is often challenging, and you need time to rearrange furniture and items to find their ideal place. Utilizing household storage containers that are also dual-purpose furniture will go a long way in consolidating and decorating at the same time. With the functionality of keeping things orderly and put away, you can also use something like this for a side table, stacked shelf, or even a seat when sitting room is tight. 

Thrifting

Thrifting for clothes is fun and cost-effective, but have you ever looked at the furniture section of your local thrift store? You’d be surprised at the amount of couches, armchairs, and coffee tables that are available for a fraction of the price as opposed to a regular furniture shop. Most thrift stores will check to ensure that items are in good condition to sell, but you’ll be able to test it for yourself when you’re there. 

Inexpensive Accessories

There are lots of accents that are economical that will enhance your home. Colorful pillows will stand out against a couch, or a soft throw blanket draped over the back of an armchair will provide texture in the room. Pieces with different materials such as these will give visual depth, and will also add to the space instead of making it feel flat. Color coordinating your accents will make your area feel complete, drawing the eye around the room!

DIY/Repurpose

DIY is a popular trend- as it should be! Finding new ways to reuse items can save money and expand your creativity. Look through every room and see where you can find inspiration to repurpose items. One cool project is making potted plants in tea tin containers that have magnets to be able to hang on your fridge, or glass jars that can double as makeup brush holders. For wooden furniture items, refurbishing them with peel-and-stick wallpaper can be a mess-free way to add a patterned design without having to paint!

Moving into your new home is fun, but having to worry about pricey decor items isn’t. With these tips, your space can be upgraded easily and effectively. Let us know some other budget decoration ideas you’ve used in your own place!

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Recent Grads’ Guide to Homeownership

November 6, 2019

There are so many things to look forward to upon graduating from college, like new careers, new cities, new friends, and much more! Life after college looks different for everyone, but for some, the first big step might be a transition from dorm-dweller to homeowner. In which case, we’re here to help you plan your next move (literally).

Decide Where to House Hunt

Determining the type of house you want to buy as well as its location can be almost as challenging as it was choosing your major in college. Start by researching important aspects of different areas like safety ratings and median home values. Then, narrow down choices based on other criteria important to you. Is the commute distance to your first post-grad job reasonable? Is there enough nightlife to help you make new friends after college?

Think Long-Term

Don’t feel the pressure that your first home needs to be your dream house or forever home. Instead, a starter home is a perfect option for first-time buyers—especially someone fresh out of college—as they are generally smaller in size and more budget-friendly. Ideally, you should live in a starter home for at least five years and plan to complete a few home improvement projects along the way. 

Even if it’s not on your radar at the moment, home remodeling updates can help you get the most resale value for your home once you outgrow it. In general, kitchen updates are one of the most value-adding renovations—and are do-able even with a low-income entry-level job. To help you budget accordingly, take a look at the average project costs for minor kitchen remodels. Remember, you should only spend 5–15% of your property’s total value if you plan on selling in the near future.

Consider Financial Factors

With all of the transitions of life after college and the excitement of potentially owning a home, it’s not uncommon to overlook various expenses. Therefore it’s vital to plan early and thoroughly. Be sure to research the additional costs of purchasing a home, which may include:

  • Down payments
  • Property taxes
  • Homeowners’ insurance

More importantly, consider how your personal finances will change after college and what you need to account for in your budget. Examples include:

  • Student loan repayments
    • Is your six-month grace period for your federal student loans coming to an end?
    • Are you on an income-based repayment (IBR) plan? If so, it might be more challenging to get approval for a mortgage.
  • Health insurance
    • Is your student health plan ending?
    • Are you in the middle of a health coverage gap until your post-grad job benefits kick in?

Assess Your Credit

Once you establish your budget, it’s time to begin the mortgage process. When you apply for a mortgage loan, most lenders start by looking at your FICO scores—a summary of your credit report. The type of loan you qualify for will depend on your credit score, but the higher your credit score, the higher your chances are of getting approved. Most grads don’t build a credit history until after college; But to remain in good standing, below are tips to improve your credit before applying for a mortgage:

  • Pay off any existing credit card balances
  • Avoid making purchases with credit cards (i.e., using available credit)
  • Don’t apply for credit elsewhere that will generate a hard inquiry (ex: credit cards, car loans)
  • Consistently make all payments on time, especially student loans

Buying a home is an exciting and expensive investment that will undoubtedly impact your future, so take these considerations into account when searching for your first home and don’t rush the process. 

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The 4 Most Make-or-Break-It Factors When Choosing a College

November 4, 2019

There’s a lot to consider when choosing your future alma mater. Is attending a big, football-happy university a priority for you? What about a smaller, more intimate liberal arts school? Do you prefer a college town over a big city? There are dozens of factors to think about when shopping around for colleges. Here are five things to consider when choosing where you want to get your degree:  

#1. School Size 

When contemplating a small, medium, or large-sized college or university, consider how your future college’s size will affect your ability to meet people. Does it have fraternities and sororities, or another way of meeting people? Does it offer any clubs and team sports that interest you?

School size also affects class size, and class size affects how well you learn. If you do well in smaller-sized classes, look at colleges with smaller professor to student ratios. If you’d prefer to try your hand in big-hall lecture-style classes, consider a larger school. 

#2. Campus 

Is your heart set on a beach campus, or do you want to attend class in the middle of the city? Some future college students couldn’t care less about where they spend their all-nighters. Others are set on studying at the most buzz-worthy campuses. But consider things beyond city size. What’s your preferred type of weather? If you grew up in Arizona and hate the cold, you probably won’t love Vermont and Alaska’s winter. If you’re looking to ski in-between classes, we don’t recommend going to Hawaii. Choose a school with a location where you can see yourself living comfortably.

#3. Major 

Does your dream school have a good program for your major? Does it even offer it? It’s easy to get wrapped up in a school’s social scene and instagramability, but don’t forget to look at its programs. For example, if you’re set on becoming a doctor, make sure your school offers a pathway to medical school. If a school doesn’t offer your desired major, see if there’s an alternative way of reaching your end goal.

Keep in mind, 80% of college students change their major at least once, so don’t limit your college choice based on your future degree—especially if you think you might pivot your studies at some point. 

#4. Cost

College debt: two words that strike fear into every ramen-eating, penny-pinching college student. If a college’s tuition cost is well beyond what you can handle, don’t go into debt chasing a fun college experience. 

Here are three ways to cut down on tuition costs: 

Look into scholarships. 

Every school offers scholarships—and they’re not all athletic or academic-based. Ask schools about the scholarships they offer, and look into state and federal scholarships and awards. 

Apply for FAFSA (free application for federal student aid). 

If you’re a US citizen with a valid social security number, you can apply for a federal loan. FAFSA also includes grants and work-study programs.  

Save money. 

Put money into a savings account while you’re in high school and save money where you can while you’re in college. The faster you pay off your student loans, the less time it has to appreciate. Remember: debt is frustrating no matter what stage of life you’re in, but luckily there are ways to manage your student debt.

In addition to worrying about pesky student debt, you also need to think about how you’ll get by as a student. Is rent pricey or feasible in your college town? What about the fuel costs? 

Consider the Big Picture 

Beyond cost, school size, campus, and academics remember that there’s a slew of even more things to consider when choosing the right school. A college’s greek life, class count, and campus are weighty factors to consider when you’re shopping around for colleges—but don’t let it be the only factors you consider. Remember to find the fit that is right for you; these are the best 4 years of your life, so make the most of it with a place you really enjoy being at.

BIO: Bailey Caldwell is a freelance journalist whose work focuses on all things tech, cybersecurity, and the internet. She enjoys researching and learning about new resources and technologies.

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Top 5 Way to Save Money After College

October 3, 2019

There are 3.6 million college graduates living in poverty, and it’s to be expected given not only factors such as student loans and other college-related debt, but also the difficulties one might experience when obtaining a job in their field or the starting wages at these jobs.

Creating a Budget

You hear it all the time and not to be a broken record, but creating a budget is the first step to saving money, especially as you start paying back student loans or other debts. Right now you’re probably getting notifications that you need to start paying off your loans, you’re having to move out of student housing, and basically, this whole being-an-adult-thing is about to get a lot harder!

You can do this though! And the first step is creating that budget. It doesn’t need to be fancy. You can even use a free template on Excel or Google Docs. Make sure to carefully document all sources of income and all expenses, even the ones you might want to ignore. If you’re not sure where to start on paying your student loan debt, there are great calculators and resources available.

Saving $$$ on Food

Don’t worry, you don’t have to eat ramen the rest of your life — although there are some fun ways to spice up that cost-effective meal! But a good chunk of your expenses may be coming from food. Apps like Mint actually track how you spend your money and you might be surprised to see how often you eat out or how much those “treat yourself” items at the grocery store are costing you. A great way to avoid those last-minute splurges is creating yourself a meal plan with a shopping list, allowing yourself to be only one spur-of-the-moment item.

Meal planning isn’t just for being healthy, although that can be a great perk, but it’s great for time management and budgeting. Simple, cheap meal plans will help you save without living off rice, beans, and ramen!

Cut Back on Utility Bills

A lot of us may have had the luxury of free or discounted internet and TV while living in student housing, but now that we’ve graduated, we’re having to deal with these bills on our own. A great way to cut down bills is to really examine what you need: Do you really watch cable or do you watch Netflix or Hulu? You might even be able to cut down on your internet speeds. An internet connection with 5mbps, though not ideal, is enough to stream and browse the internet.

Getting Married? Don’t Worry!

And then there’s the biggest expense of all—marriage! If you’re one of those ‘lucky’ ones about to make the big commitment dive into marriage, you’re probably stressed about a long list of expenses ranging from booking a venue, the cost of a wedding dress, and all the things that come after. What if you don’t get the things you need most on your registry? And if you’re the one getting to propose, you might be worried about the cost of a ring. The good news is, it doesn’t have to be that complicated!

There is even a list of venues that won’t cost an arm and a leg. And if you’re still looking for that special ring you might consider an eternity band that offers special financing and a wide array of options for various budgets.

 Creating Long-Term Goals and Building Credit

Two of the most important things to consider after graduating from college are your long-term goals and how you’re going to obtain them. One of the biggest factors for obtaining our long-term goals (such as buying a house) is building our credit. There are important factors to pay attention to when building your credit, such as staying on top of your student loan payments, credit card usage, and ways to avoid negative marks are your credit. There are also options for credit repair if you’re already suffering from negative items on your credit report.

Whatever your goals may be, there are many paths to take, even when you’re fresh out of college and still sorting everything out. If you start saving now and planning for those special life plans, there’s nothing you can’t achieve! 

BIO: Brett Clawson has a degree in Business Management and has started a couple of small businesses. When he’s not focusing his time on those, he spends time with his wife and two sons. His oldest son has entered the wonderful realm of college, and he now enjoys sharing tips that he and his son have found essential for college life.

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4 Years, 8 Semesters, 120 Credit Hours

September 24, 2019

This task ahead of every full-time college student. For some, it will take longer and others shorter. This usually means that a student will have to take about 15 credit hours per semester. Some students take more.

Accommodating

Many college students have to work while they are in school and it can be a major challenge to manage a coursework load and an employee workload. Thankfully there are multiple solutions to manage 120 credit hours and 20-40 hr work week. Online classes and summer classes are just two of the options available to lighten the load allowing for students to achieve academic success while not having to be stressed out over the balance between working and completing school. 

Online Courses

Online classes are great ways to give students more control over managing their time. An online class does not have a set time that students have to attend a lecture. There are due dates for assignments and as long as the student is able to complete the assignments within the time that is due they are fine. Online classes allow students to work from wherever and whenever they want to. Some students will work on their academic material while they are at work. 

Summer Courses

Summer classes are extremely effective in allowing students to get more work done over the same amount of time. Just think, if you take two summer classes in between every spring and fall semester then you would only have to take 12 credits per semester instead of 15 and still graduate on time with 120 credits. Another great reason to take summer classes is that they keep the mind going. Students will be working hard during the school year and then after finals week of the spring semester, they will enter summer break mode. While it is nice to take a small break from schoolwork, a three-month-long break is not healthy for staying in the academic groove. Working out the mind is very similar to working out the body. If one does not continue to workout the mind it will become sluggish, making it difficult to start the next fall semester. But taking a couple summer classes allows students to continue exercising their mind but not to the point that it’s a burden. Keeping a small connection to academics during the offseason will make the transition back into the academic year a swift one. 

Navigating the course of college is not a simple task. It takes grit, determination and strategic planning. 4 years, 8 semesters, 120 credit hours. This can seem like a lot being thrown at you but there are plenty of ways to lighten the load and smoothen the path. Taking online courses and summer classes are just two ways to help simplify the college management process. Learn more about college tips, tricks, and hacks by visiting the GradGuard blog.

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Cutting College Costs Like a Boss

August 29, 2019

Tuition costs continue to rise every year, but one thing seems to remain constant: attending college often necessitates penny-pinching. Whether it’s eating out less to buy textbooks or applying for scholarships to avoid debt, saving money and attending college go hand in hand.

Here are some of my methods for reining in your spending, hopefully earning a buck or two on the side, and still enjoying a four- (for some five-) year education—without resorting to dumpster diving.

Read on for five tips to help you cut costs.

1. Limit eating or drinking out (unless it’s a good deal)

Scour your local watering holes for deals, become a coupon clipper, and refuse to go out unless you know you won’t have to pay full price.

In general, though, you’ll save a lot more money if you buy groceries and cook yourself. Or, if you’re fortunate enough to live close to home, you could always mooch food off your parents.

2. Student discounts

It’s incredible how many businesses will give you a discount if you flash that plastic, poorly printed student ID of yours. Restaurants, movie tickets, admission to concerts, you name it. Don’t know for sure? Just ask! Maybe you can even persuade them to give you a discount.

3. Be shrewd with textbooks

Here is some advice: get clever. Talk to classmates, read reviews on the course, and see if you really need the book for the class. If you do, consider renting instead of buying (which is generally cheaper).

Or, try to buy it cheaper online. Look on Craigslist, OfferUp, Facebook, or your college forums. You could even harass people who took the class last semester to loan you their old one.

Finally, if you can get away with buying an older edition of the same textbook, you can save a TON of money. It doesn’t work for every class, but when it can, it’s a godsend.

4. Get a side-hustle

No amount of saving will help if you don’t have even a small influx of cash. In college, your earning options are limited:

  • Get loans and go into (more) debt.
  • Beg your parents for money.
  • Apply for scholarships.
  • Get a job.
  • All of the above.

If you haven’t searched for scholarships yet, what are you waiting for? It’s free money, and sometimes you can earn them for ridiculous things. Good at duck calling? Scholarship. Is your last name Zolp? Scholarship. Check out your college’s .edu site, find some scholarships, and apply!

If you don’t want to write an essay, you could always get a job on the side. You could drive for Uber or Lyft when it’s convenient for you. Don’t have a car? Work one of the many jobs available on campus (conveniently within walking distance!). There’s no shortage of jobs if you’re willing to look.

5. Profit

Those are just a few tips, and it barely scratches the surface— college students should consider the importance of insuring essentials

Bio: Alex Enabnit, an ASU grad and certified tightwad, is an insurance and Medicare writer for Eligibility.com. In his spare time, you’ll find him trying to avoid the sun and stay cool while failing at both.

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Finding the Best School For You

August 15, 2019

For many high school seniors, the transition period between high school and college can be just as stressful as it can be exciting. One of the major stress factors during this period is deciding what college students are going to attend. Many factors go into this decision.

The Basics

There are some general things to look at when choosing a school; price, location, school size, grade/test score requirements, available programs, and student living conditions are just a few of the main aspects that future college students are looking at. A great way to narrow down the search is by figuring out three things that you want in a college. From those three categories, you should be able to gather a list of 5-10 schools that interest you. 

Go On a Tour

The next step is to make your best effort to visit all of the schools you are focusing on. The visit is one of the most important steps of picking a school because it gives you the option to try the school on for size. Just like a pair of shoes, you will not know if it’s a comfortable fit until you check it out in real life. When visiting the school try to schedule a guided tour. It’s the best way to get the most out of your visit. Tour guides are normally students who know their way around and can highlight some important areas of the campus. This also gives you the ability to ask questions. Asking questions helps ensure you know as much about the school as you possibly can.

Take Notes

After each visit, be sure to make notes of the highlights. Having a physical list in front of you can help with the decision process; you are able to see the pros, the cons, and the things you might need to know more about before making the big choice.

From here you should be able to make an educated and confident decision of the school you will be attending. While making this decision can be stressful,  gathering as much information about the schools will make the process go smoother. No matter your preferences, if you put in the due diligence, finding the right school to put you on the path to success is possible.

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84% of State Insurance Commissioners Recommend College Students Consider Renters Insurance

July 31, 2019

Over the last decade that GradGuard has worked to protect college students and their families, we’ve tracked the guidance that state insurance commissioners provide regarding the value of renters insurance.

Starting in 2013, 28 insurance commissioners suggested college students consider renters insurance. In 2019, 42 insurance commissioners made such a recommendation. 

The 150% growth in recommendations is likely a result of the real financial losses students experience while living both on and off-campus. In fact, an analysis of campus safety and crime data provided by more than 6,000 schools Clery Act reports, reveals an average of more than 37,000 campus crime and safety incidents. Furthermore, on average 1,726 fires are reported in on-campus student housing.

States Recommended Renters Insurance
Alabama – AL Yes
Alaska – AK Yes
Arizona – AZ Yes
Arkansas – AR Yes
California – CA Yes
Colorado – CO Yes
Connecticut – CT Yes
Delaware – DE Yes
Florida – FL No
Georgia – GA Yes
Hawaii – HI No
Idaho – ID Yes
Illinois – IL Yes
Indiana – IN Yes
Iowa – IA Yes
Kansas – KS Yes
Kentucky – KY No
Louisiana – LA Yes
Maine – ME Yes
Maryland – MD Yes
Massachusetts – MA Yes
Michigan – MI Yes
Minnesota – MN Yes
Mississippi – MS Yes
Missouri – MO Yes
Montana – MT Yes
Nebraska – NE Yes
Nevada – NV No
New Hampshire – NH Yes
New Jersey – NJ Yes
New Mexico – NM Yes
New York – NY Yes
North Carolina – NC Yes
North Dakota – ND Yes
Ohio – OH Yes
Oklahoma – OK Yes
Oregon – OR Yes
Pennsylvania – PA Yes
Rhode Island – RI Yes
South Carolina – SC Yes
South Dakota – SD Yes
Tennessee – TN Yes
Texas – TX No
Utah – UT Yes
Vermont – VT No
Virginia – VA No
Washington – WA Yes
West Virginia – WV No
Wisconsin – WI Yes
Wyoming – WY Yes

The Top 3 Reasons Renters Insurance is a Smart Decision for College Students:

1.    If you can’t afford to replace your backpack, bicycle or computer – Renters insurance may be able to replace your stolen or damaged property.  Renters insurance can cover those costs and help you get back to classes, without the added stress of a financial loss.

2.    If your school does not replace stolen or damaged property  – In a 2017 survey of student housing leaders, 98% of schools report that they do not replace stolen or damaged student property. Be sure to check with your school to see what their policy is and how much it would cost for you to replace your property. 

3.    If you can’t afford to pay for damages you cause – True renter’s insurance includes personal liability protection and can help pay for unintentional damages when a student cannot.

Students can protect their belongings against losses for about 50 cents a day.

“That makes renters insurance a must-have consideration for college families,” John Fees, the co-founder of GradGuard said. “Whether you are living on or off-campus, college students and their families are smart to consider purchasing renters insurance before the start of school.”

This article was updated in July 2020