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college student success

Health

Healthcare Financing Resources for Low-Income College Students

September 21, 2020

Let’s face it: learning is its own reward, yes. But you’re in college primarily to build a better life for yourself and your family. You might be getting your education to escape the life of struggle that you have watched your parents endure.

But building a better life ain’t cheap. And, right now, what money you have goes mainly to school and to the essentials of living. Ponying up for private health insurance might feel like a luxury you can’t afford right now. 

Yet without that coverage, you’re also probably tempted to let your regular healthcare fall by the wayside. After all, you’re young and your physical and mental health care just might not feel like a priority right now. That is, not until you really need it. 

This article shows you how to finance your healthcare when you’re a college student living on a budget.

Know Your Options

When you’re looking to finance your healthcare, the first thing you should do is explore your eligibility for coverage under your family’s plan or through your university health system. In many cases, full-time college students can qualify for coverage under a parent’s group health insurance plan up to the age of 26.

If that doesn’t work out, you might be eligible for lower-cost student health insurance coverage through your college, university, or trade school. The chances are especially good if you enroll in a work-study program through your school.

Don’t Forget the Marketplace or Medicaid

If it turns out you are not eligible for coverage under your parents’ or school’s plan, don’t despair. There are still options. For example, depending on your income, you might qualify for Medicaid, which will allow you to enjoy good benefits at a relatively low monthly premium. 

The maximum income cutoffs for Medicaid, however, can be pretty stringent. If you’re above the threshold but still don’t earn enough to bear the often ridiculous costs of private insurance, you might be able to get coverage under the Affordable Care Act (ACA). 

With the ACA, the percentage of uninsured Americans dropped from nearly 16% to just over 9%. Through the Marketplace, you can choose the level of coverage you want or need — and the premiums you can afford.

Don’t Forget the “Extras”

Getting good healthcare is about more than funding your medical care. It’s also about taking care of the whole person, mind, body, and spirit.  And that should include everything from mental healthcare to dental care. 

After all, life is stressful, and going to college on a shoestring budget is especially so. But getting care doesn’t have to be expensive. Case in point: you have a lot of options today for accessing low-cost therapy. This includes online therapy apps to help you access immediate, on-demand support from the safety of your own home if you are battling anxiety or depression.

And while you’re taking care of your body and your mind, you mustn’t forget your smile! Living on a budget doesn’t mean you have to put off your dental care. Even if you’re in need of a non-essential or cosmetic procedure, such as a crown or veneer, there are funding options that don’t require you to break the bank.

If you set up a budget and cut out some of the extras you’re spending on unnecessary fees or on little luxuries, like your morning coffee run, you can probably cover the cost of your new smile or your other healthcare services pretty easily.

The Takeaway

Going to college on a shoestring budget is tough. But it doesn’t mean you have to do without the physical, mental, and dental healthcare you deserve. From finding coverage through your school to tapping the resources of the ACA to taking advantage of online therapy apps and dental financing, there are options available to ensure you receive the care you need.

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Adulting

6 Smart Packing Tips if You’re Going to Study Abroad

September 10, 2020

Were you given the opportunity to study abroad? If so, you are probably counting down the days until you leave.

Which now brings us to the question: What will you bring? 

Trying to stuff all the things that you need into your suitcase or carry-on can probably be daunting, especially if you are unsure what is waiting for you the moment you step off the plane. 

Fortunately, we have come up with six smart packing tips to make everything a lot easier:

Pack for the Weather

Make sure that you research first the usual climate in the new city or country you are moving to, then plan accordingly. We suggest that you bring a light raincoat, a warm jacket, and items that can be easily layered. Remember that the climate of your study abroad country will make or break what you pack. 

Check Cultural Norms

If you are traveling to a country that is more conservative with how they dress, checking the cultural norms first will save you from packing items that will deem inappropriate in that country. This especially applies to clothes like shorts, dresses, and swimwear. 

The last thing that you want to do is to wear culturally insensitive clothes. For instance, you will not be allowed inside spiritual areas like churches or temples if you are not all covered up properly. 

Use the 12-Day Trick

We suggest that you pack outfits that are good for 12 days. That’s about two weeks worth of clothes. No matter how long you will be staying or studying abroad, chances are, packing outfits that are good for 12 days will be enough for you to attend class and explore the new place. 

If you feel tempted to pack beyond 12 days, then you might consider that shopping abroad is also part of the experience. 

Pack the Essential Documents

When studying abroad, you might need an extensive list of documentation. This list will often include:

  • Passport: This is your first key to studying abroad. Without this, you cannot travel outside of the country.
  • Visa: Depending on your country of origin, some countries won’t require you to have a visa. However, you might need to apply for a student visa since you’ll be studying abroad.
  • Medical Certificate: This is proof that you took flu shots and that you are healthy enough to travel.
  • Return Flight Details: Although not all, there are countries that require return flight details. This is to ensure that you won’t be overstaying.
  • Student Finance Documentation: You might also be required to prove that you can financially support yourself while studying abroad. This includes a letter to prove the capability for financial support from your parents or guardians.
  • University Letter of Acceptance: This is another proof that you are to stay in a country to study. 

Don’t Pack Things You can Buy

So you might want to pack a certain brand of shampoo or lotion you are using. But the thing is, these can also weigh down your suitcase. To avoid excess baggage fees, leave some of these items behind. Instead, opt to buy local products at grocery stores or drugstores once you arrive.

But you should also consider bringing travel sizes of these essentials. That way, you will have plenty of time to settle in once you arrive where you are studying. You will not have to run to the nearest grocery or drugstore to buy these essentials. 

Bring Your Gadgets

For most gadgets and appliances (curling irons, razors, and hair dryers), you might need a voltage converter. Usually, plugs from different countries are different, so is the amperage. 

Make sure to check with the manufacturer; more than likely you will find information on their sites about travel. That way, you will know whether or not a certain device can work with a converter. If it is not, it could potentially become a fire hazard, and might even destroy your appliance. 

Packing your stuff when you leave to study abroad can be challenging, but you can breathe in a sigh of relief once you are done. So, better get your suitcase ready, and prepare yourself as your educational adventure begins!

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Career

Data Analytics in Business: Everything Students Should Know

September 10, 2020

If you are a business student at any US college, there are basic things that you should know. Currently, the world is relying on data to make every decision. Thanks to advancements in technology, data experts are able to analyze data to make sensible conclusions.

It is not too early for business students to know how data analytics works and how it impacts the business environment. The good thing is that many reputable schools offer this course. Let’s look at some insights on why students should acquire data analytics skills while still in college.

Data Analytics Explained

Today, the total data in the world is no longer in terabytes. Experts say that the current data in the entire globe is over 30 zettabytes. The amount of data is increasing rapidly, and every business has to account for this. As mentioned, data analytics involves the use of specific tools to analyze fresh raw data, generate sensible reports, and then use the results to make conclusions. Students in the US should start learning the skills involved in data analytics as soon as possible before they move into the actual work environment.

Why Students Need Data Analytics Skills

  •  Every business interacts with data – There is no single business in the US or the entire world that does not collect data. Whether students will create small startups or work for established companies, they will have to interact with data. The more skills they gather in school, the better their job performance will be.
  •  Enhance decision making – Young entrepreneurs with data analytics skills from school adapt faster in the work environment. They can quickly understand the concepts surrounding the business data they receive. Learning to make decisions that are backed by factual data as early as now is very crucial for all students.
  • Understand the right tools of work – Data analytics is all about using technology, particularly the right tools. By now, students should have a list of the most reliable tools they can use in any department. For instance, those who want to major in sales and marketing might have interacted with Tropare, which is one of the best providers of collaboration and data analytics tools for marketers.
  • Faster career growth – Most young professionals get a promotion at work if they adapt quickly and show exceptional results. With data analytics skills from a business school, the career growth path will be fast.
  • Accurate predictions – Some students in business schools can already make future predictions about the business environment. This helps them to prepare appropriately for what is to come. By the time they begin a business or are employed, they know the basics of the actual environment.

Conclusion

There are many more reasons why any business student in America should understand the importance of data analytics. Today, there is a high demand for data analysts in big firms. You can also use the skills to prosper in your own business. From the above insights, you probably do not want to miss this opportunity while you are still in college.

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Adulting Uncategorized

4 Money Management Tips That Will Make Your Paychecks Stretch Further

September 3, 2020

Getting a paycheck is always exciting, it’s money you have worked towards all week. However, if you’re not careful with managing that hard-earned money, you can accumulate interest and debt faster than you can pay it off, which can hinder long term financial goals. But fear not, there are different ways of making your paycheck work as hard as you.

Build a Budget

The first way to stretch out your paycheck is to know where your money is going and taking control of how much you spend. Living paycheck to paycheck is not a good plan and can lead to unnecessary stress. Tracking your expenses each month and setting a limit for how much you spend each week are great ways to start understanding what to budget for. 

Writing a list of monthly and weekly expenses helps you know where your money is going and assists with identifying areas where you can be saving instead of spending. Some people map out their expenses and categorize them in order to help with what is a necessary bill while locating unaffordable items. Although it can be difficult to stick to your budget, having one can help you reach a financial goal or pay off debt faster.

Take Care of Business

As an adult, you need to be responsible with your money. That being said, you should be using money from each paycheck to build up your financial stability. Some of the things that you should be budgeting for are:

  • Emergency Fund: Having an emergency fund is useful for unexpected expenses when they happen out of the blue. You can’t predict when your car is going to break down or if you lose your job suddenly. This safety net will help you avoid a free fall into more debt.
  • Savings: Aside from an emergency fund, you should also set aside money for a savings account. View saving money as a stepping stone towards a larger goal such as buying a home. Once it comes time to start searching for a home, check out online listings to help determine what a typical sales price is. This will help you learn more about what you should be saving.
  • Paying off Debt: Finally, you should be paying off student debt with a portion of your paycheck. All loans accumulate interest in addition to your current principal balance. Paying off loans sooner means spending less money over time on unnecessary debt. You can repay debt faster by picking up a side job, funneling extra money towards repayment, and refinancing loans.

Think About Unnecessary Expenses

One black hole for paycheck money is spending money on inessential items. A spending limit is part of a good budget, and that’s why it deserves to be called out. Impulse purchases like coffee and new clothes add up quickly, and it’s something you don’t want to suck up your money. 

However, you can treat yourself on occasion— no one is perfect! Paying in cash or prepaid cards are a great way to set limits for “want” items or rewards. Couponing and buying off-brand products are other methods to still get things that you want while staying in the green.

Manage Credit Cards Wisely

Credit cards are another area where interest can accumulate quickly and pull more money from your paycheck towards another institution. If you do need a credit card, make sure to shop around. Look at the pros and cons of each company and check out their cash back and reward programs.

If you do use a credit card, set a limit for yourself. Make sure you budget for purchases on your card and have a plan to pay your card in full each month. Remember late fees and interest are the enemies.

Paychecks are great and you should make them work as hard as you do. By following the tips above, you can work towards personal finance goals and great management practices! 

Health Uncategorized

Health Preparedness Tips for On-Campus Life

September 3, 2020

When you’re in college, living on campus can feel like a right of passage. It’s a great time to gain independence, have fun, and develop friendships you’ll have for a lifetime while enjoying the convenience and benefits of living where you go to school. 

Unfortunately, campus life looks a bit different this year. Thanks to the COVID-19 pandemic, colleges across the country have suspended in-person classes and have required students to leave campus. 

Some schools have closed their doors temporarily, while others will be shut down for on-campus living for the remainder of the school year. While the goal of the shutdown and the encouragement for social isolation is to flatten the curve of the Coronavirus spread, it can be a difficult transition. You must head home or go somewhere else for now. 

Whether you return to campus before the school year is over or you’ll be back next semester once things calm down, this is a good time to reflect on your health and wellness and what you can do to keep yourself safe, strong, and healthy. 

Managing Your Mental Health

Mental health is one of the biggest concerns facing college students today. Since many students across the country are being forced to stay home, issues like anxiety and depression are becoming more prevalent. 

Making your mental health a priority is a key factor to get you through this pandemic, but it’s also important when you return to campus. While college is an exciting and fun experience, it can also be overwhelming at times. Learning how to manage your stress levels can prevent you from getting sick. 

There are simple, everyday habits you can start to reduce stress: 

  • Get more sleep
  • Limit caffeine and alcohol
  • Talk to someone about your stress
  • Manage your time
  • Meditation/Yoga
  • Keep a journal

You can keep up with those habits as you get back to school and use them for the rest of your life to manage stress..

If your current stressor is being stuck at home, online learning might feel like your biggest hurdle. If you’re trying to adjust to online learning and having a difficult time, there are a few tips to make the experience less stressful: 

  • Create a designated learning space
  • Stick to specific hours of the day to study
  • Avoid distractions
  • Set personal goals

Give yourself permission to stumble. This is a learning experience for everyone and a time of great uncertainty. Don’t put pressure on yourself, and eventually, things will begin to fall into place and feel less stressful. 

Developing Healthy Habits Now

Exercising is a great way to stay healthy when stuck at home. Thankfully, there are no rules or regulations in place about going for a run outside or working out at home. 

Exercise can give you more energy, boost your mood, and reduce stress. Get into a daily routine that you can keep doing once you get back to campus. Adding a workout to your day has many benefits and can keep you focused when you’re back in school. 

It’s also a good idea to watch your diet while away from campus. It’s easy to fall into unhealthy habits when convenience food is so easy to come by, and apps like GrubHub and Postmates will deliver food right to your door. Making healthy nutritional choices will improve your mood and energy levels and lower your risk of illnesses like diabetes, heart disease, and high blood pressure. 

Being stuck at home means it’s the perfect time to brush up on your cooking skills! Practice making healthy meals for yourself that could be made in a dorm room or communal kitchen. Making quick, easy meals that are also good for you will keep you motivated when it comes to making healthier food choices on campus. 

Reducing Your Risks

The Coronavirus can impact anyone, but it’s most deadly among those with pre-existing conditions or with lung and respiratory issues like those who regularly smoke or vape. Vaping has become hugely popular across the country, but the chemicals in many vape solutions can cause serious lung problems. 

Smoking has also been a health concern for years. It can contribute to lung cancer and heart disease. With the spread of COVID-19, it’s more important than ever to quit cigarettes and vape pens. Keeping your lungs healthy and clear will reduce your risk of being seriously impacted by Coronavirus if you happen to contract it. 

Developing healthy habits and staying away from vaping and cigarettes will help you build a  strong immune system, which, in turn, will help you combat the disease. This is why it’s so important to keep these tips for general health and wellness in mind. Now is the time to start taking your health seriously so you can make better choices for your mind and body. Starting these habits now will make them easier for you to stick with once you’re back on campus. 

BIO: Dan Matthews is a writer with a degree in English from Boise State University. He has extensive experience writing online at the intersection of business, finance, marketing, and culture.

Student Life Uncategorized

5 Perfect College Break Destinations

August 27, 2020

Feeling weighed down by the stress of college life? A memorable vacation may be just what you need to take a break from the books and clear your mind. Whether you’re looking to relax on the beach or explore a little bit of history, the following destinations are ideal for any college student craving a much-needed break.

1. Dubrovnik, Croatia

Croatia is a European destination gaining popularity among travelers due to its gorgeous beaches and cultural landmarks. Walk along the famous streets of Dubrovnik, Croatia, to encounter impressive architecture dating back to the Middle Ages. Consider taking a Croatia cruise to experience the beauty and history of this unique country.

2. Tamarindo, Costa Rica

Visit beautiful Tamarindo, Costa Rica, to enjoy one of the world’s most stunning beaches. The beaches here feature crystal blue waters and calm waves. A visit to this area’s beaches may even allow you to get up close and personal with local wildlife, as the great Leatherback Sea Turtles nest near Tamarindo between November and April. Spend your days taking in the natural wonders of the region, then head out for a night on the town to enjoy the vibrant local culture. If you’re looking to experience nature and nightlife, Tamarindo could be a great option.

3. Panama City, Florida

Florida has long been the go-to destination for spring breakers. In recent years, Panama City has solidified itself as a college break hotspot. After a day spent enjoying the sunny beaches, dance the night away in one of the many local nightclubs. Don’t forget to stop and have a meal and a drink at the famous Margaritaville. No matter when you visit Panama City, you’ll find yourself with endless options to relax and have fun.

4. New Orleans, Louisiana

Though the city is known for its Mardi Gras celebrations, New Orleans is a great destination to visit any time of the year. This historic city features unique architecture, delicious food, lively music and interesting local culture. The French Quarter is the center of all the action, with must-see destinations including Jackson Square, Decatur Street shopping and the raucous party atmosphere of Bourbon Street. No matter where you go in the French Quarter, you’re surrounded by a medley of interesting sights, sounds and smells. It’s clear that a trip to New Orleans is a great option if you’re looking to take a break from the stresses of college.

5. Niagara Falls, New York

For those looking for a more laid-back escape from the college grind, consider visiting Niagara Falls. For centuries, people have flocked to this unique natural landmark to experience the beauty and power of nature. Get an up-close look at the Falls by taking an afternoon cruise on the iconic Maid of the Mist, then continue your exploration of nature by visiting the Botanical Gardens or take a hike at Niagara Glen Nature Reserve. Spend a few days at the natural wonder that is Niagara Falls to take advantage of the healing properties of time spent in nature.

As a busy college student, you deserve a rest from your studies to relax and recharge. Check out each of these locations to take a break from the books and enjoy life.

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.

Student Life Uncategorized

Top 3 Characteristics of a Great Roommate

August 27, 2020

The idea of having a roommate can be exciting and little nerve-racking at the same time. We all have different expectations of how a living arrangement should be when sharing spaces with others. Whether you are a college student who may not have a choice in who you are living with or an adult searching for the ideal person to live with, there are certain things that should be a default when it comes to roommate situations. Here are a few of the most important characteristics of a great roommate!

  1. Make sure your roommate is trustworthy! Being trustworthy and reliable are valuable qualities. In most roommate arrangements, two or more people are responsible for splitting the costs of rent, utilities, internet, and other shared amenities. If your house mates are trusting in you to have your portion of the costs covered when they are due, you should always adhere to what has been agreed upon by everyone! Sometimes issues arise in which someone may not be able to contribute. This is when communication and understanding are key.
  1. They should be clean and neat! Growing up, we all learned from our parents and other adults the importance of having good cleaning and hygiene habits. This is important to implement when you are sharing living spaces with others. Part of being a great roommate includes making sure that the shared spaces in your residence are always clean and presentable. Areas like the living room, kitchen, and shared bathrooms should be as clean and neat as possible. Having good personal hygiene habits are even more important! Living with others should be a pleasant experience and this includes making sure that you are keeping up with your personal care (bathing, laundry, cleaning your room, etc).
  1. Be friendly and kind! Some roommates become best friends while others barely speak or interact with each other. No matter what your roommate situation is it vital to remain friendly and kind with each other. Being friendly does not mean you have to spend every minute together when everyone is home. By simply saying good morning, good night, or asking someone how their day was can go a long way. Feeling comfortable in your residence starts with the way you treat your house mates and vis versa. If you or your roommates have guests over it is important to never make someone feel unwelcome. Be polite and say hello!

Being a good roommate doesn’t have to be hard. There are enough stressors that come along with college life and living with other people should not be one of them. Take these 3 things into account when starting the new term with a new roommate.

Student Life

How To Make the Most of Study Abroad

August 27, 2020

Many students have the privilege to study abroad during their time in college. Studying abroad is a great way to fully experience a different culture for an extended period of time. When studying abroad you will likely have a million things you want to do. It is important to be thoughtful about how you are spending your time in order to get the most out of the experience. 

Here are 5 tips on how to maximize your time abroad:

  1. Plan ahead

It can be really helpful to plan your trips and excursions ahead of time. Once you settle into your new city and meet people who share your interests and want to travel, you can meet up with them and create a plan of cities you want to visit and how you want to spend your weekends. Although it may seem like you have all the time in the world to travel, you do only have a limited amount of time. A calendar of your trips can be helpful in making sure you visit the places you most want to see and that you can make accommodations far enough in advance to avoid hefty prices. 

  1. Take time to explore your own city

Although it may be tempting to travel to a different city every weekend, this can end up being too tiring and too expensive. Make the most of the city you are in and set aside weekends to explore. Try to look beyond the tourist spots in your city and take the advice of a local to get a more authentic experience.

  1. Walk!

Walking is a great way to explore a new city. If it is safe to do so, try to ditch the ubers and public transit and walk from place to place. This will allow you to stumble upon fascinating places you would not have seen otherwise and will also help you stay active. 

  1. Ditch the fast food

Did you really travel across the world to eat McDonalds? While abroad try to embrace local cuisine as much as possible. Although it can feel comforting to eat the types of food you are used to having back home, you won’t regret making an effort to eat new types of food. Eating like a local will help you to more fully embrace a new culture. 

  1. Choose your classes wisely

Sometimes when you are studying abroad it can be easy to forget the “study” part of your experience. It is important to stay engaged with your classes and an easy way to do this is to pick classes that incorporate the city you will be living in. This can be a history, art, or even a cooking class!

All of these tips will be helpful in having a fulfilling time abroad. Remember to soak up this once in a lifetime opportunity and do your best to stay safe and healthy throughout the experience. 

Student Life Uncategorized

5 Tips To Being A Successful Student-Athlete

July 22, 2020

When you first think of a student athlete, you think of the free clothes, gear, travel, scholarships, and the fame that comes along with it. You get to travel the country and play your favorite sport in front of numbers of fans. Although being a student-athlete may sound glamorous and fun, it is not to mention the stress that comes with the 20 hours of athletic training per week.  

Here are 5 tips on being a successful student athlete:

  1. Utilize All Your Resources

Aside from having a rigorous training schedule, student-athletes need to worry about attending all their classes and submitting all their coursework on time. As a student-athlete, maximizing the use of tutors and academic centers will make your life a lot easier. Using these resources will make it a lot easier to finish work on time and get private attention on topics you have not grasped. Resources are there for a reason!

2. Time Management

With the training, lifting, conditioning, classes,  and homework , it can be difficult to plan some free time for yourself. Making sure you have a set plan every day will help you find times during the day to relax and reenergize.

  1. Form Relationships With Your Professors

The first week of the school year is the most important for student-athletes. Establishing relationships with your professors will show them your initiative to do well in their class as well as getting on their good side. It is important to attend all the classes and office hours you can to continue to show your hard work ethic and initiative to do well in the class. Doing this will make it easier to ask professors for help if a situation arises.

  1. Get Enough Sleep

Getting 7-9 hours of sleep as a student-athlete, is one of the most important factors. Not getting enough sleep will make you feel sluggish and lead to an unproductive day. This directly correlates to your athletic and academic performance. According to the National Library of Medicine students that receive less than 8 hours of sleep per night are 1.7 times more likely to get injured than teens that sleep more than 8 hours a night.

  1. Learn From Your Failures

Do not let your failures define who you are. During your time as a student-athlete, you will have plenty of failures whether it is on the field or in the classroom. It is important to take each failure and learn from it so that you don’t repeat it in the future.

Being a student-athlete can have its challenges, but with these 5 tips, you are sure to make the best of your time as one in college.

Health

Managing Your Mental Health in College

July 22, 2020

Mental health is becoming an increasingly big issue on college campuses. Many students struggle with the change and stress of college life. It can be valuable to investigate what you can do for your mental wellbeing. If you are struggling with your mental health, it is important to seek out resources available to you.

Here are some ways that you can better manage your mental health in college:

  • Visit your school’s counseling center

If you are having mental health concerns, you can always contact your school’s counseling services. Many schools provide free counseling or counseling at a reasonable rate. They can help you talk through whatever is troubling you or refer you to psychiatric services if needed. 

  • Utilize online resources

There are many resources available online to help you learn more about mental health and obtain support. U Lifeline, a project of the JED Foundation provides valuable support tailored to college students. Their website offers both resources and a helpline. Their website also provides a screener for students to evaluate their mental health and access their school’s resources. 

  • Practice meditation and exercise regularly

Meditation is a great way to center yourself and improve your mental health. It can be helpful to have tools that you can implement when you feel overwhelmed such as taking a few minutes to breathe or going for a quick run. 

  • Reach out to your loved ones

If you are struggling, take time to reach out to your support network. This can be Facetime with your family at home or even talking with new friends from college. Staying connected with others and communicating your feelings can relieve stress and prevent loneliness. 

  • Take time for yourself

When your calendar is filled with schoolwork and social events, it can be hard to find time to be by yourself. Set aside some time to be alone and recharge. You can go for a walk or go to a coffee shop and just take time to relax and reflect.

These are just a few suggestions on how to manage your mental health in college. You can find what works best for you and your experience. Find out what resources are available to you through your school and don’t be afraid to ask for help.