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student success

Student Life

How to Fight College Student Burnout

July 29, 2021

Burnout in college as a student is a significant ordeal. And if you are a parent, mentor, or professor looking to find ways to help your students make the most of their college experiences without losing sight of what is most important, obtaining their degree, you have come to the right place. There are some great ideas below to help prevent student burnout.

Evaluate Course Load

One of the quickest ways to burn out in college, particularly as a new student, is to take too many courses at once. Perhaps it would be best to use this time to take a look at your student’s college courses and go over each and everyone together. Help your student determine which types of courses are needed to achieve their degree, and which are geared more towards their personal interests.

If you find that their major classes are the ones that are most challenging, it might help to limit those courses to no more than two or three per semester. You want to help them work towards getting their degree without having the experience become overwhelming.

On the other hand, if their personal interest courses require too much time, have them consider cutting back on those in the future and adding courses that will be less time-consuming. The ultimate goal is to balance courses each semester so that the student is academically challenged but also has enough free time to engage in other activities.

Ask for Help

If, after going through the course requirements, it becomes clear that the courses are needed, but they need help with the homework or concepts that are discussed in class, finding a tutor may be beneficial. Many colleges offer tutoring in a variety of subjects to help students become more comfortable with the subject matter. Making use of their available resources can make all the difference in alleviating burnout and getting good grades.

Another area perfect for getting additional academic support is for graduate school entrance exams. The most challenging tests tend to be for the sciences, medicine, and law. And while preparing for any test requires a certain level of dedication and commitment, MCAT tutoring, for example, can help provide the skills needed to get into the best medical schools.

Carve Out Self-Care Time

Another aspect of college life is that there are always so many activities to enjoy. From parties to conferences, and everything in between, having the ability to take part in so much often can seem like college students should stretch themselves to the limit to take advantage of the available opportunities.

However, learning to take care of themselves and their health is a major part of transitioning to being an adult. And one of the most vital aspects of this is figuring out which events and activities are most enjoyable versus those that provide mild entertainment.

Focus on helping them navigate this area by discussing which activities have provided them with the most information or closest friendships. Are there just one or two clubs that they tend to enjoy most? If so, perhaps they should focus their time on these events and meetings and only occasionally frequent others until they feel less burned out.

Get Into a Healthy Routine

Now that the core of college has been addressed, it is vital to take a look at the college student’s health. To prevent and recover from burnout, living a healthy lifestyle is a prerequisite.

Help them navigate better eating habits. And note, that does not mean all they can eat is a salad. However, having a few servings of vegetables and fruit instead of French fries can be a great start. Teach the importance of taking small healthy actions each day that can add up to a much healthier lifestyle overall.

And lastly, it is important to use exercise and movement to maintain health. There is no need to go to the gym every day. But trying to get in an extra ten minutes or so of walking a day can play a great role in helping them to feel better.

Working together with college students to find ways to prevent burnout can be key to helping them achieve success. Utilizing the above tips can provide a strong foundation for how to start to intervene if college life becomes too stressful.

Student Life Transition

High Paying Jobs for Students With Loans

July 24, 2021

College is expensive, and there is no way around that. So what we find ourselves doing is taking out more student loans and graduating with more and more student debts. And the worst part is that some loans can take decades to pay off, which puts certain aspects of our lives on hold. 

However, some students can get rid of their student loans quicker than others based on their career choices. This guide will show you the best jobs that can help you pay off your student loan debts faster. 

  1. Physician 

It’s great to complete both an undergraduate program and medical school. But, unfortunately, physicians, anesthesiologists, GPs, surgeons, and other medical professionals can be saddled with massive student debts. 

Fortunately, most graduates of any of these programs can get a first-year salary of about $210,000. That can help you make significant improvements with your student loan repayment. 

  1. Analytics Manager 

Are you data-minded? You can put your skills to use as an analytic manager. To pursue this career, you must acquire a bachelor’s degree in statistics, math, IT, or other related fields. Data analysts help organizations and companies to make high-quality informed decisions based on statistical analysis. You can get between $80,000 and $90,000 a year. 

  1. Software Architect 

Software developers or architects are the geniuses behind your favorite computer programs and apps. If you have a knack for this career, you should pursue a computer science degree and specialize in development. 

You’ll need many hands-on experiences to secure a position in this field. So it’s advisable to search for internship opportunities while still enrolled in school. That can shoot up your chances of securing a job position. 

That’s why the competition between developers can be fierce, and their salaries tend to start just below $100,000.

  1. Air Traffic Controller 

It’s not a simple task to maintain the traffic flow around airports and throughout the world. However, air traffic controllers are the most detailed-oriented problem solvers, and they have excellent organizational skills. 

If you want to pursue a job in this field, you need to complete a bachelor’s degree program, including courses at the Federal Aviation Administration. Don’t worry about the extra schooling, though, as you may get about $110,000 a year. 

  1. Financial Manager 

If you enjoy managing money and working with numbers, you should consider acquiring a degree in finance. As a financial manager, you can help organizations, companies, and various people keep their economic lives intact. 

Financial managers produce and analyze financial reports, direct investments and can make about $115,000 every year. 

  1. Pharmacist 

Pharmacists work alongside doctors and patients to make sure that prescription medications are used safely. When you complete four years of pharmacy school and pass two license exams, you get your Pharm.D. From there, you can work at pharmacies located in health facilities, grocery stores, and drug stores and earn around $120,000 a year. 

  1. IT Manager Or Computer Systems Manager 

Information Technology managers or Computer Systems Manager assist in coordinating and directing computer-related activities. For example, if an organization needs a new computer system, the IT manager would coordinate everything. 

With a bachelor’s degree and a bit of experience, you can make around $125,000 a year. However, you can get more experience by taking internships while you’re in school. 

  1. Lawyer 

You can consider law if you’re not interested in any of the careers mentioned. Lawyers work with clients in both civil and criminal lawsuits in many different areas of the law. Depending on the area of expertise you choose, you can get between $80,000 to $160,000. 

Final Thoughts 

Student loans can be a huge burden to carry, which can leave you frustrated at times. However, one of the best ways to pay off your debts, besides public service loan forgiveness programs, is to get a high-paying job. Use this guide as a step in the right direction. If you don’t know what to do, we recommend talking to an expert to help you. 

Student Life Transition

Should You Pursue a Postgraduate Degree?

July 20, 2021

After graduating, most students head into the workforce. However, some find themselves in a post-grad slump and rather than transition into the “real world”, they choose to study further. Education is never a bad thing, but there are times it may not be the right decision. If you’re thinking of pursuing a postgraduate degree, here’s what to consider.

5 Reasons Why a Postgrad Degree Makes Sense

If a postgraduate degree will support your career goals, pursuing it makes sense.

1.  It can give you an extra edge in the job market

When you first graduate, you’re competing against other graduates as well as more experienced players in your field. Completing a postgrad degree could give you a competitive advantage in the job market. 

2.  You want a higher salary

The average annual salary for someone with a bachelor’s degree is approximately $59,124 compared to $69,732 for someone with a master’s degree and $84,396 with a doctorate degree. 

3.  You want to specialise or improve your expertise 

An advanced degree is worthwhile if you want to improve your skills or specialize. Let’s say you did a general degree like business administration. Studying for a postgrad in finance or economics could sharpen your skills and boost your credibility.

4.  You aspire to a leadership position

An additional degree can improve your chances of moving up the ladder. Many C-suite executives have completed an MBA (Master’s of Business Administration). However, degrees in science and engineering are also popular among executives.

5.  Your profession values additional letters behind your title 

In certain professions such as the medical, academic, or science fields, a master’s, doctorate or PhD degree is highly valued. It may earn you more respect and make you more employable. In fact, the lack of an advanced degree could actually hold you back. 

4 Reasons you should not do a postgrad degree 

Furthering your studies is a huge investment of time and money. So, you need to be sure you’re doing it for the right reasons. Here are a few reasons not to do it. 

1.  You’re doing it for prestige

Be clear on why you want to further your studies. Is it to keep up with your peers or for prestige? If you see it as a status symbol, this is the wrong reason to pursue a postgrad degree. 

2.  You’re time poor

If you have found employment or started a family, you may not have time for studies. Attending classes, studying for exams, and researching and writing dissertations take a lot of time. Can you fit it all in? Rather than overstretch yourself, it may be best to postpone your studies until you have more free time.

3. You’re unsure of your career goals 

The average person changes careers 5-7 times in their lifetime. How confident are you that you’ll want to remain in your chosen field 10 years from now? If you’re unsure, it may be best to gain some work experience first and reevaluate your career path later on. Then you can select a course of study that better aligns with the new direction you want to take. 

4.  You can’t afford it 

If you relied on a loan for your bachelor’s degree, increasing your student debt to get a postgrad degree may not be wise. If you can’t afford it, don’t do it — at least not now. You can always pursue a postgrad degree later on when you are more financially secure.

Should you decide to embark on a postgraduate degree, GradGuard can help protect your tuition fees. Our tuition insurance will reimburse your college fees should you be unable to complete your studies due to a serious illness or accident. 

BIO: Deevra Norling is a freelance content writer. She’s covered topics such as entrepreneurship, small business, career, human resources, e-commerce, and finance. When not writing, she’s tossing balls on the beach with the four-legged fur babies she looks after as a professional pet sitter.

Student Life

Budgeting Tips for College Students

July 18, 2021

Budgeting can be a tough code to crack for anyone, including college students. That’s because it’s more than just writing a list of your upcoming expenses. It’s the complex art of tracking and managing your finances.

In this article, we are going to list down the different tips we have for college students on how to create a successful budget.

Differentiate Between Needs and Wants

The experience given by a couple of decades of adulthood is invaluable in determining what needs and wants are. However, college students don’t have that kind of insight yet. Some items can be easy to determine as a need: rent, utility bills, academic expenses. But what about the other things? Coffee, books, your weekly stress-relief party. Aren’t these things needs as well? Here’s a tip: list down all the expenses that will really put you in serious trouble. Unfortunately, unless you’re in the business of coffee retail, that might not include your latte runs.

Calculate Your Net Income

The next thing that you should determine is how much you’re earning. At the very least, you should ensure that it will be enough to cover all your needs. Otherwise, you will be forced to consider one of the three options:

  • Are there needs that you can live without?
  • Is there a way to increase your earnings?
  • Is there an item in your budget list that you can further reduce? For instance, you can save money on groceries by using student discounts, coupons, or buying generic brands.

List Monthly Expenses

Once you have made your calculations, you can then move on to create the outline of your budget starting with your monthly expenses. There’s no need to make your list look aesthetically perfect. Just make sure that you don’t miss an important item. It would be a shame to complete your monthly budget and forget to list down, say, your internet bill.

Organize Your Expenses into Fixed and Variable Categories

Expenses can further be organized into two categories: fixed and variable. As the name suggests, fixed expenses are those that don’t change (at least, very often). For instance, your tuition, monthly rent, and bills will remain constant until rates increase. Meanwhile, variable expenses are those that change rates frequently. These typically include your wants. For instance, you might have increased your clothing budget last month to make way for the restocking of your favorite online shop. That might mean that you won’t need to budget a lot for your clothing expenses this month.

Determine Average Monthly Costs for Each Expense

Finally, you’re almost ready to determine your monthly budget. This is going to serve as your baseline goal for your monthly income. Feel free to determine the average monthly cost for each expense. Why? That’s because even if you spend more for some of your variables during certain months, this doesn’t mean that you shouldn’t save for them during their “off-peak” months. Doing so will make “peak” months easier to bear.

Make Adjustments

Finally, don’t stop there. As we’ve mentioned above, budgeting is a complex art of constant tweaking and re-tweaking. Eventually, you’ll have to account for other finances, especially if you want to expand and increase the quality of your life. Saving is very important too. We recommend listing savings under fixed needs. You should account for your future investments as well.

There are a lot of things that you can experience while you’re in college. You should definitely make the most out of it, but there’s no need to go broke. Learning how to budget your finances today will also help you deal with the massive debt awaiting you after graduation: your student loan. Good luck!

Student Life

5 Student Discounts That Help You with Your Studies

July 16, 2021

Choosing to study is one of the best investments that you can make in your future. However, once you add up everything you might find that it costs a lot more than you had expected. Thankfully, there are some useful student discounts you can take advantage of.

Travel Discounts

It is common for students to get discounts on bus and train travel. This can be a life-saver if you need to travel to classes every day. Even if the full fare doesn’t seem all that much, it can soon add up if you have to make two or more trips each day.

This can also give you an incentive to explore the area if you have moved away from home to study. Getting out and doing some tourism near your new house can be a great way of taking your mind off exams, meaning that you have a better chance of keeping your stress levels low.

Learn a Language for Less

One of the most worrying things about moving abroad to study is the language barrier. If you decide to study in an English-speaking country and aren’t completely at ease with the language, it is going to make life more difficult for you in many different ways.

Instead of paying a lot for an English course, you can look online for tutors with a reasonable hourly rate. Book a block of lessons at once with Preply and you can get up to 15% off the normal price too. Use the 1-1 lessons to practice for your exams, for your future career, or for any other aspect you want to brush up on.

Pick Up Food Deals

Eating healthily on a tight budget is a big challenge for many students. It is easy to slip into bad habits by eating cheap, low-quality food that doesn’t give you all of the energy and good health that you need for your studies.

Take a look at your local supermarkets and restaurants, to see what kinds of student deal they have. For example:

  • Many give a 10% discount for students
  • But others go up to 30% or more
  • You might also be offered a good-value meal deal or some other special offer that makes it worthwhile

Books and Other Materials

One cost you can’t avoid is that of the books and materials that are needed for your studies. Depending upon the subject, this can add up to a huge amount, and that’s before you even consider anything you might want to read or do in your own leisure time.

Students are regarded as being highly sought-after customers of book stores and stationers, because of the number of purchases they make. This means that you might be able to pick up the things you need from these places without paying the full price. 

At Barnes & Noble you can also buy used books at a reduced price, or earn some extra money by selling your old books. 

Open a Bank Account  

You might not know that banks also offer special accounts to students. Student bank accounts typically don’t have a monthly charge and many don’t charge you for withdrawing money either. The big banks like to look after students, as they see them as being among their most valuable clients of the future, so you might also get a free gift or discount vouchers when you open an account.

Take advantage of the best student discounts like these to make your studies a little bit more affordable and enjoyable.

Health

How to Better Manage Your Sleep

July 15, 2021

Sleep is a vital part of success in life as well as an educational career. Many students fail to acknowledge or regard this fact when going about their day, and they can feel the consequences. Having a regular sleep schedule and getting enough sleep contributes to improved memory, happier moods, better coordination and higher academic performance. Without consistency in sleep, people tend to be in worse moods, have short tempers, be more susceptible to illnesses and more. If someone is experiencing trouble falling asleep and staying asleep, not being able to get up with an alarm, requires caffeine to stay awake, feels exhausted or takes long naps, they may be experiencing lack of sleep. Luckily, there are many different options to try and get a sleep schedule back on track.

There are a lot of things anyone can do leading up to bedtime to secure a better sleep pattern. A large influence of sleep deprivation is having caffeine in the afternoon. Even if someone does not feel the effects of the caffeine or feels that they will be okay if they don’t have it too late at night, consuming it at any point in the afternoon is detrimental to getting rest. Another contributing factor is an excessive use of electronic devices and looking into blue light. Blue light is what the eyes absorb when looking at electronics, and seeing too much of this before bedtime can affect the body’s circadian rhythm and disturb sleep. Avoiding falling asleep to the TV and using electronics about an hour before bedtime is a great way to steer clear sleep deprivation. Instead, one can read, journal or meditate before bedtime. Having an overly hot or cold room can cause a person to have trouble staying asleep at night. Making sure to cool off a warm room and have adequate heat in the winter time is beneficial to keeping the body comfortable and undisturbed. Decluttering the bedroom is also a small but important step in decreasing stress and distractions

It may be hard at first to start getting up early, but being awake in the morning increases productivity and sets one up to go to bed at an earlier hour. Staying up late doing homework is less effective than waking up earlier to get it done, so it is good practice to switch the habit of cramming work into late hours. Along with waking up early, it is important to establish a set sleeping schedule that can be maintained throughout most of the week. Going to bed and waking up at the same time, and at more reasonable hours, is best for the body’s rhythm and the brain’s productivity. Napping has both positive and negative effects depending on how people take them. Napping for less than an hour and before midday is the healthiest option, whereas napping for more than an hour and late into the day can decrease one’s ability to sleep and stay asleep. 

If these and other methods don’t seem to help, it is not a bad idea to consult a doctor about sleep medication or to try natural supplements. Melatonin is a common and useful natural supplement that helps people sleep well and establish a better sleeping pattern, however it tends to weaken the body’s natural production of melatonin if used too long and comes with some small side effects. 

When going through life and pursuing an education, keeping the body healthy is crucial to maintaining a balanced lifestyle. Getting enough sleep and having a set and habitual sleep schedule is one of the most important contributors to being happy and healthy. There are many simple methods to trying to improve one’s sleep, and the best reason to try any of them is that sleep plays into every other aspect of life, so why not make it better?

BIO: Alessandra Gluck is currently a student at the Honors College at Arizona State University. She is double majoring in English Creative Writing and Journalism and Mass Communication. She is also a Member Intern at Grad Guard Insurance Company. Alessandra enjoys writing and plans to pursue this passion throughout graduate school.

Student Life

6 Things New Grads Need To Know About Investing

July 14, 2021

It’s a thrilling feeling when you’ve got the job and the steady paychecks start rolling in after graduation. If you’re lucky, those paychecks cover more than just your essential expenses. With some extra cash in your bank account, you might be considering investing some of it. 

Before you rush off to buy some Dogecoin or AMC stock, here are a few things you could keep in mind.

Don’t wait for an emergency to think about an emergency fund.

Life happens, and it pays to be prepared for the unexpected. Before you invest, make sure you’ve built up some savings for just-in-case scenarios such as your car needing repairs or losing your job. There’s no magic number with how much to have in your emergency fund — it will depend on your specific situation and comfort level, but having money to cover three months of your expenses is a good starting point. A no-fee, high-yield savings account can be a good place to park your emergency fund.

Weigh paying off your student loans faster versus investing.

If you’re like most Americans, you probably left college with loans to pay off. You should definitely budget for your monthly student loan payments. But if you have extra money, you might wonder if you’d be better off putting that money toward your student loans or investing it. To help make that decision, look at the interest rates on your loans and compare them with what you think you’d make investing. Let’s say you think your investments could net you a 6% return and your interest rates on your loans are all less than 5%. Here, investing could be a better option for you, netting you more money in the long run.

Boring is OK.

If you only read Reddit and Twitter, it’s easy to get the impression that everyone is buying crypto and shorting stocks. And although you could see huge gains with a strategy like this, it’s risky — especially when passive funds, like an S&P 500 index fund, have consistently outperformed actively managed funds more than 80% of the time. Last year the S&P 500 index finished with gains of 16.3% and the Nasdaq composite, which features many tech stocks, saw gains above 40%. Past performance isn’t a guarantee of future performance, but a passive (and some might say “boring”), long-term investing strategy can pay off.

Never pass up a company match.

If you’re lucky enough to work for a company that offers a 401(k) match, be sure to take advantage of it before you pursue other investing opportunities. A 401(k) contribution match is essentially free money and who doesn’t want that? Here’s how it works. Let’s say you make $50,000 a year and elect to put 2% of your salary into your 401(k) — that’s $1,000 you’re investing. If your company offers a contribution match of up to 2%, they will add another $1,000 to your 401(k). That’s the easiest grand you’ll make all year.

It’s OK to start small.

You don’t need a lot of money to start investing. Many online brokers and investment apps make it easy to start small. Stash, Robinhood, and Acorns are three apps you can check out if you’re just starting. All three let you open an account with no minimum requirements and offer fractional share investing. Fractional shares are simply portions of a stock and allow you to buy into companies that might be out of reach if you had to buy an entire stock at the full price. For example, let’s say a stock is trading at $100, but you only have $5 to invest this month. You can use your $5 to buy fractional shares of that $100 stock so you’ll own 5% of one share of the stock.

Beware of fees.

With investing, there are quite a few fees you should know, including:

  • Expense ratio: A percentage of your investment in mutual funds, index funds, and exchange-traded funds charged annually.
  • Management or advisory fee: A fee paid to your financial advisor or a robo-advisor that’s typically structured as a percentage of your assets they manage.
  • Trade commission: A fee that’s charged when you buy or sell stocks. Fortunately, many investment platforms have dropped trading commissions over the past few years after Robinhood came on the scene offering commission-free trades. 

It’s important to understand and compare fees because they can affect your portfolio’s performance. Generally, you’ll find the highest fees with more hands-on investing options like using a financial advisor or buying mutual funds. 

Final thoughts

Whatever you decide with investing, you’ve got time on your side. Through the magic of compound interest, even a small investment today can compound and add up to something much more substantial in the years to come.

BIO: FinanceBuzz’sVP of Content, Tracy Odell, also held the same position at Student Loan Hero and has expertise in this subject, as well as all things related to college finances.

Adulting Student Life

College Students and the Economy

July 13, 2021

The state of the economy has an enormous impact on the way that everybody spends their money. This impact both indirectly and directly affects college students in many ways. 

A weakened economy might make it harder for a student who supports themself because maybe they won’t be able to find a job that offers the right pay or the right hours to cover all of their bills and still have some fun. If a student sacrifices their school work for a job that allows them one or all of those things, then their academic performance is likely to decline. If this same student also has a work study job or is involved on campus in extracurriculars such as clubs, organizations or social events, they will likely be forced to enjoy less of these things so that they can decrease the likelihood of academic shortcoming. 

When a student is supported by an elder, the same effects of a weakened economy are likely to occur in the student’s life. A student that was not used to working before may need to now. Also, someone in this situation may receive less support from their financial supporter than they are used to, which can lead them to the same situation as one who supports themself. 

With a student’s academic career on the line, it is important that students know where to find information on the economy, and what to do with such information. Here are some resources that can help even students who are not majoring in business or economics understand how the economy may affect them and those close to them: 

  • We The Economy: This Youtube channel is dedicated to explaining economics and current events through short videos. 
  • TEDEd: This is a website that contains compelling talks about current events… often economics related! 
  • Econedlink: Students K-12 can find both economic and personal finance resources from this website for free. 
  • American Economics Association: Providing information on everything from economics to plausible career opportunities, this website is a great resource for students looking to learn more about finance, economics and the workforce all in one place!
  • The New York Times: Staying up to date with current events in the news is a great way to track the economy and gauge how one’s financial situation could possibly change. 

The White House: With this resource, one can find ample information on current events as well as different social issues and topics, including economics, climate change, foreign policies, defense and more. 

BIO: Darique Williams is a senior at Arizona State University. He is studying Economics and is currently a summer intern at Grad Guard Insurance Company.

Career

Becoming a Pharmacy Technician: What to Know

July 12, 2021

Pharmacy technicians help a pharmacy run smoothly. They support the pharmacist, customers and medical professionals by dispensing medication. If this career path piques your interest, there are many different paths you can take to become a pharmacy technician. It all depends on whether you need to take pharmacy technician classes to get licensed or registered and certified in your state. Follow these steps to determine the path that’s right for you.

What are the regulations in your state?

Each state has different regulations about who can work as a pharmacy technician. The  Pharmacy Technician Certification Board provides an at-a-glance look at state requirements. You can easily see if your state requires certification, licensing or registration, or both. This is an excellent first step to help you plan your timeline.

Next, you will want to take a closer look at your state’s requirements. The National Association of Boards of Pharmacy can give you more specific information about your state’s requirements. This resource can help you make sure you have all the current information you need to become a pharmacy technician in your state.

No Regulations

There are currently only five states that have no requirements besides a high school diploma or GED. These states do not require technicians to register with the State Board of Pharmacy. If you choose this route, most of your learning will come from on-the-job training. After at least 500 hours of work experience as a pharmacy technician, you will be eligible for certification through the Pharmacy Technician Certification Board (PTCB).

National Certification

Two dozen states require pharmacy technician certification. Some of them require it in order for pharmacy technicians to become licensed or registered. Others just require it to get a job as a pharmacy technician and perform specific duties.

Before you take the exam, you have to finish a PTCB-recognized training program or have 500 hours of work experience as a pharmacy technician. However, you can apply to take the test if you are within sixty days of finishing your program. Your certification will be granted once you provide proof of completion. This could be a copy of your certificate with your name, completion date, and the title of the program you finished. It could also be an official letter from the training program with the same information.

The pharmacy technician certification exam takes about two hours to complete. It currently costs $129 to take the PTCB certification exam, but make sure you check their website for changes. Once you pay the required amount, PTCB will email you to let you know if you are authorized to schedule your exam. Some employers may even pay for employees to take the certification exam.

Licensing or Registration

Almost half of all states require licensing or registration in addition to national certification. Pharmacy technician classes can prepare you for both.

The registration process may look a bit different in each state, but you can probably expect an application, an application fee, and proof that you’ve completed the training that your state mandates. Check the State Board of Pharmacy for specific requirements.

If you decide to take pharmacy technician classes, or if your state requires them, the time requirements can vary. Programs can range from a few months to two years. Programs may offer a certificate, diploma, or degree.

The American Society of Health-System Pharmacists requires accredited programs to include a minimum of 600 hours of instruction over at least 15 weeks. Longer programs may offer you an associate degree and extensive hands-on training in the field.

The length of the program is just one factor to consider. You will want to make sure the program you choose can meet your other needs.

  • Does it meet your state’s requirements?
  • Can it help you achieve your personal career goals?
  • How much does it cost?
  • Will the school help you find a job after graduation?

Other Considerations

According to the U.S. Bureau of Labor Statistics, pharmacists are taking on more patient care roles, like giving flu shots. This means pharmacy technicians are also being asked to play a greater role in pharmacy operations.

Even if your state does not require licensing, registration, or certification right now, requirements are getting stronger all the time and could change in your state. Employers may also prefer to hire pharmacy technicians who have completed a program and obtained certification.

Look for a school that offers flexible, accelerated programs to meet state requirements and give you an edge in the pharmacy technician field. You will leave with an associate degree and preparation for the Pharmacy Technician Certification Exam (PTCE).

You can complete an accredited training program and become a licensed pharmacy technician in less than two years. Find out what your state requires and choose the right path for you.

Adulting Student Life

3 Reasons Why Renters Insurance is a Smart Buy for College Students

July 9, 2021
Students unpacking boxes

Think about a few of your favorite things you own. Some items that probably come to mind first are electronics such as your cell phone, laptop, and your wireless earbuds. What about those designer jeans you love to wear, or the mountain bike you just got for your birthday?

Now add everything up and determine what all of your stuff is worth. You might be surprised at how quickly everything adds up! College students often have thousands of dollars worth of stuff in their dorm or apartment. What would happen if your stuff was stolen or damaged, and you had to replace it all tomorrow?

It’s no secret college costs a lot. On top of financial stress, taking classes while juggling an internship and a part time job can be a lot to think about. One thing you you shouldn’t have to stress about is if the unexpected happened, and how you would pay for your damaged or stolen stuff.

Here are 3 reasons why renters insurance is a smart buy for college students:

If you can’t afford to replace your damaged or stolen stuff.

Picture this: You’re studying for midterms in the library when you get up to go to the bathroom. You leave your laptop at the desk you were working at, thinking it’d be fine if you just left it for a few minutes. But when you return, your laptop is now missing. Now what? Would you be able to afford a replacement? If not, that’s how GradGuard can help. The majority of schools don’t replace stolen or damaged student property, even if the incident happened on-campus.

Although college campuses might feel like one big protective bubble, crime happens. Crimes such as burglary, sexual assault, hazing, and theft are some of the most common crimes that occur on or near college campuses. According to Clery Act Campus Safety Reports, more than 37,000 criminal offenses happen on college campuses each year.

“Adulting” is part of college, and that includes knowing how insurance can provide confidence and peace of mind. If you can’t afford to replace your backpack, laptop, bike, or other items, renters insurance can GradGuard has worldwide property coverage so even if you’re back home for the weekend, or studying abroad and your phone is stolen, GradGuard can help.

Don’t assume your parents’ homeowners insurance policy will automatically cover you and your stuff.

Many college families think renters insurance isn’t necessary because their student should be covered with their homeowners insurance policy. While it may seem like you’re saving money by not buying a separate policy, you may run into unexpected and expensive coverage gaps depending on the circumstances. Homeowners insurance policies tend to have much higher deductibles, and your policy may not offer the extent of coverage you need in the event of theft or other losses. GradGuard’s Renters Insurance is an affordable option for college students living away from home.

GradGuard is designed for college student with features like a $100 deductible, no credit checks, and monthly payment plans.

If you accidentally damage your dorm room, could you afford to pay for the damages?

As a college student, you likely never intend to cause any damage to your dorm room or off-campus student housing, but accidents happen. What if you fall asleep with a candle burning and that sparks a fire? Or, a pipe bursts in your dorm room and all your stuff is soaked? These are just a couple of examples of costly incidents that could happen in student housing. According to Clery Act Campus Safety Reports, there are nearly 2,000 fires on college campuses each year. College students are smart to have renters insurance that can help pay for unintentional damages when they cannot. If your place is damaged and you need somewhere to temporarily live, GradGuard’s renters insurance also includes loss of use coverage.

Insurance is something you hope you never have to use. But when you do have to use it, you’re glad you have it! GradGuard’s Renters Insurance costs on average just $11 per month. That’s less than what you probably pay in streaming subscriptions, and a small price to pay if you had to unexpectedly replace your $1200 laptop!

College is an exciting time full of new experiences and people. Don’t wait for a sprinkler system to ruin your dorm room, or for your laptop to go missing before you start thinking about how you might pay for that. With so much money at stake, college students and families are smart to make a plan in the event the student t is a victim of theft, their property is damaged by a fire or water damage or if they are found responsible for damages they may cause. Whether you live on or off-campus, get started with a free quote for GradGuard’s Renters Insurance today.