Nonprofits are big business. Qualified leaders are in high demand!

People in meetingThere has been a lot of discussion and research lately about the demand for organizational workers and leaders in the nonprofit sector. But, about it did you know that the nonpro?t sector also grew faster — in terms of employees and wages — than both business and government combined?

Approximately 2.3 million nonprofit organizations currently operate in the United States, representing the third largest workforce of U.S. industry. In 2012 alone, public charities reported over $1.65 trillion in total revenues and $1.57 trillion in total expenses, accounting for 5.5% of the nation’s total GDP.

Figure 5: Anticipated Job Growth in Specific Areas by Year

Approximately one-third of nonprofits surveyed anticipate growth in the area of direct services (36%), program management/support (31%), and fundraising/development (31%) in 2013. As seen in figure 5, the percentage of organizations anticipating job growth increased from a year ago – and dramatically from two years ago – in all areas, with one exception, marketing/ communications/ public relations. Source: http://www.nonprofithr.com/wp-content/uploads/2013/03/2013-Employment-Trends-Survey-Report.pdf

Figure 2: Plans to Create New Positions and Eliminate Positions and/or Gradually Reduce Staff in 2013 by Organization Type

This graph illustrates which fields anticipate the greatest increase in positions. Over half of health (62%), environment and animals (56%), education (53%), and faith-based (53%) organizations surveyed indicated that they plan to create new positions this year. In their projections to 2020, the Bureau of Labor Statistics findings support the increase in health care positions; they predict that employment in the health care and social assistance sectors will generate the largest number of jobs at an annual rate of 3%, which is the largest rate of all major employment sectors. Source: http://www.nonprofithr.com/wp-content/uploads/2013/03/2013-Employment-Trends-Survey-Report.pdf

Exceptional leaders are in demand in the nonprofit sector.

According to Nonprofit HR Solutions, clients respond to the significant economic changes of the recent three to four years by maximizing efficiencies in infrastructure and operations and putting an even greater focus on the direct services work that influences resource development strategies. In this regard, all areas of nonprofit business that resonate with funders have greater opportunity to be highlighted and funded for further growth. That said, continued organizational growth and mission advancement requires a proportionate response in terms of infrastructure and operational support.

Job outlook by role.

According to the U.S. Bureau of Labor Statistics, many of the roles Master’s of Public Administration (MPA) graduates pursue will see double-digit growth in employment between 2010 and 2020.

  • Human Resources Manager – 14%
  • Social Scientists and Related Workers – 18%
  • Urban and Regional Planners – 16%
  • Social and Community Service Managers – 27%
  • Medical and Health Services Manager – 22%
  • Public Relations Managers and Specialists – 21%
  • Management Analysts – 22%
  • Business and Financial Operations – 17%
  • Training and Development Managers – 15%
  • Operations Research Analysts – 15%

Learn how a Masters in Public Administration gets you the job.

According to the nonprofits that participated in the survey conducted by the Nonprofit Finance Fund, highly-trained organizational leaders are needed, now more than ever, in order to meet the growing demand for services and implement a wide range of goals: most importantly long-term financial sustainability.

This broad, yet flexible degree, allows you to instantly pursue many promising and well-paying job opportunities in a number of high demand and growth fields.

Fortunately there are programs to choose from to obtain an MPA, either with and online or an onground program through Notre Dame de Namur University (NDNU). A Master of Public Administration (MPA) degree from (NDNU) can help advance your career by preparing you for a wide variety of job opportunities across multiple industries, including government and private sectors.

Founded in 1851 by the Sisters of Notre Dame (originally from Namur, Belgium), Notre Dame de Namur University (NDNU) is an accredited Catholic, not-for-profit university in the San Francisco Bay Area in Silicon Valley. The University offers a welcoming, accessible learning environment anchored by dedicated professors who are committed to guide students both in their academic pursuits and career development.

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How to Make Textbooks More Affordable for College

One innovative way a university department has approached the challenge.

Student with booksI knew there was a problem when the textbook I had assigned for one of my chemistry classes was listed at $325 in the bookstore. It was the book that our department had been using for more than a decade, information pills but the latest edition had just come out and the list price was $270. I encouraged my students to use the previous edition and to find used copies, and I thought everything was fine. The following year, I was no longer teaching the course, but the same textbook was being used. I wondered how students were affording the book, but I didn’t give it too much thought until several of them came to my office. When they asked for help solving problems, I pulled out my copy of the textbook, opened it to the relevant section, and showed them how to use the information provided to answer the question.  The students seemed surprised that the information they needed was readily available in the textbook. At first I was worried that the students weren’t bothering to open the book. I found that hard to believe so I finally started asking them if they had a copy of the textbook. They were embarrassed, but finally admitted that they hadn’t been able to purchase the book and were trying to make do with the copy on reserve at the library, or trying to share with friends. At that point, I became determined to find a way to help our students.

Thanks to funds that became available from an HSI-STEM grant received from the Department of Education, we were able to use part of those funds to establish a textbook lending program. I knew that this would go a long way toward helping our students with the basic supplies they needed for success, and also align with the main goal of the project, which is to support student learning.

First, the department had to determine which courses we would buy textbooks for. We wanted books that could be reused for several years so we chose to target the basic courses, the ones in which the students build their foundations for their upper division classes. Next we had to determine the number of copies that needed to be purchased and where to get them. We found that the easiest and most cost-effective thing for us to do was to buy the books directly from the publishers.

Purchasing the books was an adventure. Most publishers are used to receiving orders from bookstores, not a faculty member. It took more time than I ever imagined to determine the correct ordering protocol for each publisher. I then had to get multiple signatures at NDNU before placing each order. Finally, all of the orders were placed and only one title was on back-order.

The textbooks started coming in and then the real fun began! We had mountains of books (602 books to be exact) that had to be labeled and sorted. We had originally hoped to run the lending program through the library, but since that was not possible, we decided to house it in the Chemistry Lab. We made labels with a unique ID number for each book. We then had to place the labels on the books, create a check-out form, and have all of the books ready to go by the beginning of the semester. And as though we needed more pressure, we had to make sure the books were checked out within the first few days of the semester so that the Chemistry Lab would then be usable for its real purpose: as a lab!

Miraculously, it all worked out. The first few days of checking out textbooks were very hectic and sometimes we had lines of students out the door and down the hallway, but we were able to provide the books to students in 16 different math and science classes (10 different titles). The students were very patient and thankful as they checked out the books. They were all very polite and thanked us over and over. It was a great feeling to know that we were able to provide this basic resource for them.

In their first semester at Notre Dame de Namur University in Fall 2013, freshmen majoring in science saved about $370 through the Textbook Lending Program. By their second semester, most science majors will have saved about $577.  That is a considerable savings!

There are still some basic costs for students since some courses require using an online homework system and NDNU is not able to provide online access codes for all of the courses, but these costs are definitely more manageable ranging from $30- $85 for online access depending on the course.

If you are an NDNU undergraduate student who cannot afford the cost of your math or science books, please contact me at ihaithcox@ndnu.edu. We are here to help provide access to the education you deserve.

Isabelle Haithcox, Ph.D. is a Professor of Chemistry in the Natural Sciences Department and Project Director of Developing Hispanic-Serving Institutions (HSI) Program – STEM Grant at Notre Dame de Namur University in Belmont, CA.

Accounting is hip and sexy these days!

Want a career where people are interested in what you have to say and offer? How about a job that is in demand while making good money? Do you want the flexibility to be self employed, troche work for a government organization or a large corporation?

Accounting is more than just crunching numbers these days and can actually be an interesting and lucrative career. Here are five popular career paths for accountants:

  1. International Accountant: Accounting isn’t all about office work. International accountants get to travel to faraway places and work with people all over the globe.
  2. Forensic Accountant: Forensic accountants go wherever the money takes them, investigating financial crimes and insurance fraud on behalf of companies and public law enforcement agencies.
  3. IRS Criminal Investigation Special Agent: Embezzlement, extortion and even murder are just a few of the crimes that IRS criminal investigation special agents uncover as a result of their scrutiny, according to the agency’s website.
  4. Comptrollers: Sometimes called controllers, they are in charge of an organization’s or governments purse strings, and closely watch all outgoing and incoming finances. Chief accountant is another way to describe the position. It’s a big responsibility to have, not to mention a pretty cool one as well.
  5. Chief Financial Officer: Forget about CEOs. As far as Wall Street is concerned, CFOs are the real kings of corporate America. CFOs are responsible for a company’s financial goals and budgets. In a publicly traded company, they are accountable for the organization’s financial reporting. The possibilities are endless!

Make sure you check out the Bachelor of Science in Accounting at Notre Dame de Namur University to help provide you with a strong foundation in business, highly valued by business employers. A major in accounting will allow you to meet the necessary academic requirements needed to take the professional Certified Public Accounting (CPA) examination.

Public or Private College? Getting the best return on your investment.

As parents and students look at the rising costs of higher education, order many have debated whether attending a private university in California is worth the expense. Here are some factors to consider:

Fact or Fiction?
Public Universities + Grants + Loans = Affordable Opportunities

Community colleges are seen as opportunities for immediate career placement, story or cost-saving measures for students with ambitions to transfer to a four-year institution. The total average cost of completing an AA degree in two years at a California community college was estimated to be $5,000. Students see this as an affordable opportunity to achieve a meaningful income.

For undergraduates considering the CSU or UC system, there is a wide-spread belief that they save on cost in the long-run versus a private education. Publicized access to grants and loans coupled with projected overall cost of attendance by the CSU and UC systems creates this expectation.

What are the financial risks of enrolling in a public institution?

Public colleges and universities are frequently targets for state cost cutting. California has seen a $1.5 billion cut to higher education between 2007-2008 and 2011-2012.

These cuts are significant and:

  1. Impact ability to offer merit scholarships to students
  2. Increase tuition rates on students, both in-state and out-of-state
  3. Reduce the size of faculty
  4. Create a shortage of class offerings year-round
  5. Generate large class sizes
  6. Result in longer delays to graduation

Students in public institutions are acquiring more risk and debt than anticipated.

Theoretically, students attending a community college should be able to complete their degree or transfer in as little as two to three years.

According to EdSource.org, only 52% of students in the California community college system seeking a degree, certificate or transfer, succeed after SIX years (spending an additional average $15,000 or more).

Some reports show completion rates taking as long as EIGHT years.

The National Center for Education Statistics shows an average matriculation rate for students starting at a four-year public institution is 72 months (six years) from first year of enrollment.

 

Private vs Public Grad Rates

© Independent California Colleges & Universities (AICCU), 2013

 

Aside from delays in graduation, students must work harder to be their own skilled advocate and find the external support they need to attain their degree goals. This includes ongoing access to information and advising on financial aid procedures and career mentoring. Transfer students also must keep up with changing admission standards for four-year colleges to acquire the necessary prerequisites to transfer (i.e. specific class units or an AA degree). This can sometimes be the biggest challenge. Many transfer students find that not all their coursework credits from their community college are equal to the coursework credits of the four-year public school counterpart. Private colleges have more flexibility on transferable coursework than the UC’s or CSU’s do.

Fact or Fiction?
Private Universities + Grants + Loans = Costly Opportunities

VIDEO: 9 Myths about Private Nonprofit Higher Education

Publicized access to grants and loans coupled with projected overall cost of attendance at private universities often creates “sticker shock”.  Although the initial shock gives the impression private education is too costly, it may be the more affordable option.

Oftentimes the published rates are rarely what students end up paying. According to the Council of Independent Colleges:

“Independent colleges and universities give students more than six times as much grant aid as does the federal government”.

Private universities are constantly working to find the best incentives for their students. They want to create lasting relationships. Whether you are a first-generation student, a top achiever or a high-need student, private universities invest time and resources to get to know you and to ensure that hard work outside the classroom is equally acknowledged when awarding scholarships.

Undergrads Receiving Financial Aid- Independent Colleges source

© The Council on Independent Colleges, 2013.

Discount Rates for Private UniversitiesThe key to getting the most for your money is to inquire with the private universities about scholarships, grants and discounts available to you.  Search outside scholarships.

Most private universities have the flexibility of offering an average tuition discount rate of 45% (sometimes more) to help offset the cost of your private education.

As a result, nearly one-third of bachelor’s students were able to graduate without any educational debt in 2012.

At the graduate level, the average student loan debt accrued is $22,380 – about $4,000 less than the national student debt level quoted by the Obama administration.

What are the risks with enrolling in a private institution?

Private universities may at times change their discount rates for various reasons, they do not however, run into the same issues that public institutions often face with state cost-cutting measures. Be sure to inquire with the Financial Aid Office for opportunities available to you.

Fewer years of paying tuition often means a quicker start at earning a salary.

According to the National Center for Education Statistics, the average graduation time for students in private universities is 50 months (4.2 years) from start to finish.

When calculating the true cost of college, it is important to consider the opportunity cost of delayed income in addition to the potential expense of an extra semester or year.

How private universities benefit the student:

  • Getting into classes = finishing sooner
  • Relevant majors + internships = great jobs
  • Small class sizes = personal attention
  • Guaranteed one-on-one advising = quality education

Consider if you graduated in four years instead of six, you could potentially be making $40,000/year, times two years, and be $80,000 ahead!

Note to Transfer Students:

Private universities each have their own transfer crediting methods. Some universities don’t require an AA degree completion to start classes, others may not allow you to retain all the credits earned at the community college level.

Check with an admissions counselor to ensure your classes are transferable. Click below to set up an appointment.

FREE Transfer Credit Evaluation

Finish your bachelor’s degree—before your kids do! Learn how.

By Joan L.

I know there are many people like me who never quite finished their degree after spending a couple of years in college. For some it was the need or desire for a paycheck, and for others—well, visit life just got in the way. Whatever the situation, it can be frustrating and embarrassing to admit to yourself, friends and co-workers that you don’t have a degree.

When I was laid off from a company after working my way up for 13 years, I decided it was time to go back and finish my degree-before my daughter just entering high school started college.

Looking at job opportunities was discouraging without it. I knew my old company paid for tuition and books. Being a working mom, I felt it would have been impossible to take advantage of this and work while finishing college at the same time. If I had only known what I needed to get started and finish, I would have done it years ago.

It took a while to convince myself that going back to school would be worth it. I had so many questions:

  • What would it cost?
  • Would it be flexible enough with my work and home life?
  • Will my credits from community college transfer to a four-year university after all this time?

When I looked into it, I was relieved to find that:

  • Many four-year universities now offer the flexibility of part-time programs, evening courses, accelerated formats and online programs to better align with an adult students life and work needs.
  • Enrollment procedures for returning adult students are becoming simpler and offer greater support and resources like transfer credit assessments and financial aid information.

On a personal level, it was encouraging to see there were others like me out there, and that a degree was within reach.

If you’re in a similar situation and don’t know where to start, here are some tips that helped me find the right college and get started right away:

  1. Collect copies of previous transcripts from college courses regardless of how long it has been. If it’s been less than 10 years, some of these transcripts may be accessed online; otherwise you will need to contact the institution for copies. * Hint: Always ask for numerous copies that are sealed and official so you have them if you apply to more than one place. That way you can have one for yourself that you can open and look at when it comes in the mail.  Once you open it, it is considered unofficial.
  2. Research colleges that offer the programs and flexibility to meet your needs. That might include part-time, evening, weekend, or online programs. Information forums, tours and meetings are a valuable tool in guiding your decision whether or not a college is a right fit.
  3. Have a transfer credit assessment done to see what is transferable. Credits are usually available for accredited two and four year college courses, military active service, police academy, nursing programs, and college level examination programs: AP, CLEP and International Baccalaureate Exams.
  4. See what the options are for start dates. Programs for adults are usually offered with start dates year-round.
  5. Look at majors and programs that will help meet your personal and career goals. Some people make career changes when they have this opportunity.
  6. Research ways to pay for your education. There are more financial opportunities available than you might think. Some employers even offer money to help pay for the cost of tuition.
  7. If you are missing lower division general education and prerequisite classes, it is possible in some cases to complete them at a 2-year college while attending a 4-year institution.

I’m happy to say I was able to finish my degree within two years while going part-time at night. You don’t need to wait until you get laid off from a job to finish. Going back for a bachelor’s degree was the best decision I ever made. The advisors at Notre Dame de Namur University, where I chose to finish my degree, worked with me to identify what evening classes were needed to complete my degree as soon as possible with a clear roadmap to follow.

Get a free transfer credit evaluation.

Click the button and specify that you would like a transfer credit evaluation done at no cost or obligation. An advisor will contact you.

FREE Transfer Credit Evaluation

Pay for College With Scholarships

As someone who went back to college later in life, this and as a parent who paid for the first child’s private education, malady and has another one currently in college, stuff I understand the benefits of seeking out scholarship opportunities. It would have been a tremendous help to know that we were most likely eligible for something, even if it was small.

Once I started to work in education, I was shocked to learn how much money goes un-awarded because people just don’t apply. I also discovered that grant and scholarship aid for full-time students continues to increase. According to College Board, 53% of college tuition is paid for through scholarships and grants, but there is still a lot of money that goes un-awarded due to lack of applicants.

Here are some useful tips that I found while searching for scholarships.

  • Do not pay a fee for scholarship searches. If you work independently you can generally find more sources than using a paid service.
  • Resources like high school and college guidance counselors, web searches, information from the Department of Education and other sources are available to help you organize your search.
  • As you search you may notice that often grant or scholarship searches are focused on targeted groups like academics, talent, athletics, diversity, underrepresented groups (example: first generation students) and geographical locations.  If you string together words like scholarships, grants, college, university, adult, graduate student, major of interest, your ethnicity or groups you are involved with, this can also bring up random scholarships that are available.
  • Graduate, credential and adult (non-traditional) students should also do these searches. There are generally less funds available for these groups, but it can be worth the effort.
  • In exchange for use of a web site you might be asked to provide your email. People often create a secondary email from a free service if they are asked to provide their information, especially if they are concerned about the free search sites searching them out as well. That way you also have all of the sites and responses in one place.
  • Listed outside scholarships are additional to what a specific college might offer and do not include other grants or scholarships that a school’s financial aid office can determine your eligibility. Always remember to check with them as well.
  • Search local, you’d be surprised how many local scholarships are available, especially in the San Francisco Bay Area and Silicon Valley.

With the internet the search process has become much easier. There are many sites available to search from. In our free download, “Outside Scholarship Search Information For College Students,” we’ve included links to most of the key sites, as well as sites for diverse groups. Download it today and get started on your scholarship search!

Download Now

Giving Tuesday Is A Way Of Life

A number of charities and businesses across the country have named today “Giving Tuesday, treat ” so perhaps it is fitting that today representatives of NDNU’s Mail Center delivered more than 20 boxes of warm weather clothing to InnVision/Shelter Network. However, this site community engagement isn’t a one-day process; at NDNU, this it’s a way of life.

Even though David Baird doesn’t work in the classroom, he still found a way to incorporate the social justice mission of the university into his work and teach those values to our students. Baird, who runs the university’s Mail Center, organized a coat drive for the second consecutive year not only to help those who needed clothing to keep warm in the winter, but also to demonstrate to his student workers the importance of helping those who are in need. “I like involving the students so we can give them a taste of what community engagement is like, and show them that it doesn’t take much effort to help lots of people,” said Baird. The students who assisted Baird with the coat drive are Alex Aguilar, Sal Arias, Gerardo Rodriguez, Marisela Torres, Cristina Basulto and Jordan Tupfer Cruz. “Marisela went with me to deliver the coats,” said Baird, “and we talked about how the little that we did makes a big difference. She could appreciate that.”

From October 15 to November 21, the Mail Center collected donations of coats, rain jackets, boots, scarves, hats, sweaters and umbrellas from students, staff and faculty. Anyone wishing to make a donation simply had to notify the Mail Center and someone would come to pick the items up. “I am so thankful for our campus community’s effort in this coat drive,” said Baird. “It is heartwarming to know that everyone cares enough to help our neighbors in need.”

Top photo: David Baird with students Marisela Torres and Jordan Tupfer Cruz before delivering donations to InnVision/Shelter Network.

Science Stars or Scientific Illiterates: The Choice Is Ours!

The following is an article by Melissa Book McAlexander, ask Ph.D. and Isabelle G. Haithcox, Ph.D. that will appear in the premiere issue of NDNU Today, the magazine of Notre Dame de Namur University. The entire magazine will be available online Wednesday, October 10 at ndnu.edu/magazine.

NDNU is about to embark on one of the most exciting endeavors in its history. Thanks to over $6 million in grants from the federal government that we were eligible to receive as a Hispanic-Serving Institution (HSI), NDNU is instituting exciting new programs to help Hispanic and low-income students succeed in college. Some of the grant funds are earmarked especially to help more Hispanic and low-income students pursue careers in what are called STEM (science, technology, engineering and mathematics) professions. Yet for all our good intentions, programs like ours will fail miserably if we don’t take science education at the high and middle school level more seriously.

Case in point: California, a state known for its progressive environmental policies and leading-edge technology, ironically stood on the cusp of setting science education back by decades during the state budget negotiations earlier this year. At a time when the rest of the world is becoming increasingly competitive in science and technology, a little-known provision of Gov. Jerry Brown’s proposed 2013-14 budget would have eliminated the requirement that high school students take two years of laboratory science and instead require one.

Thankfully, the approved budget salvaged the funding for a second year of science, although Gov. Brown promises massive cuts to education in November if voters don’t approve a tax increase. But the fact that California’s leadership, overseeing the ninth largest economy in the world, so devalues science education that it’s willing to risk producing a generation of science illiterates is alarming. Our focus needs to be on better preparing our students. As it is, students in California and across the country all too frequently arrive in high school with limited science experience from elementary or middle school. The intense focus on testing in math and reading in early grades, increasing class sizes, and ever-smaller budgets leaves little room for serious science education. Even two years of mandatory laboratory science in high school can’t completely close that gap. The effect of these years of limited experience in science is that many students arrive in college uninterested in science and at a disadvantage in developing critical thinking skills. One of my colleagues, who has taught middle and high school science, says science is critical for “figuring stuff out.” Science experiences help students gain the skills they need to solve challenges and make decisions in all areas of their lives, not just in chemistry. Additionally, students who may be interested in science degrees often lack proper foundations for scientific observation or measurement when they begin college-level work.

Meanwhile, colleges and universities struggle to fill gaping holes in STEM education. How can students from low-performing and under-funded schools eventually pursue the high-paying jobs available in STEM fields, when they arrive at college ill-prepared for even the introductory coursework in these majors? To adequately support these students, we’ll need more tutoring and academic support; otherwise, these students are at risk of earning low grades or changing majors before they’ve gotten through the gateway courses.

Why does all of this matter? Well, for one thing, the federal government has been emphasizing the importance of strengthening science, technology, engineering and math education to keep the U.S. workforce competitive in a global economy. President Obama has called for training 100,000 new STEM teachers by 2020 and generating a million new STEM graduates in order to keep the United States’ edge as a leading technological innovator. The country needs graduates proficient in STEM fields to fill jobs in fields ranging from computer science to environmental engineering to renewable energy. We also need knowledgeable teachers at all levels, from kindergarten to university, to prepare
our students to pursue these careers.

High school science classes are vital for exposing students to STEM fields; for some, it will be the last science instruction they ever have, and for others it will lay the groundwork for a college major and perhaps a science-related career. Either way, we’ll only harm ourselves by failing to provide comprehensive science education in high school. By generating high school graduates uninterested and ill prepared for STEM majors and careers, we’ll be creating a knowledge deficit from which we might never rebound.

While programs like those now offered at NDNU are invaluable, they’re no substitute for good educational policy and investment in science education. St. Julie Billiart, co-foundress of the Sisters of Notre Dame said, “Teach them what they need to know for life.” In providing support for students pursuing STEM fields at NDNU, we are doing just that.

[Infographic] A Little Peek Into Who We Are

We don’t know about you, here but we find a bunch of numbers are much easier to grasp when they’re jazzed up with graphics, case so we’re trying something a little different.

Every year we put out a Fast Facts card with the latest enrollment stats; here it is revamped as an infographic!

We hope this gives you a clearer picture of what to expect at NDNU!

P.S. This infographic comes along with a new design of the About Us section of our website – why don’t you take a look?

Get Financially Savvy With SALT!

At NDNU, illness we’re always looking for new ways to give our students a leg up. That’s why we just teamed up with SALT, a program of American Student Assistance (ASA), to help our students manage their education funding and personal finances. Best of all, this service is available at no extra charge to all of our students and alumni; you just have to sign up!

SALT is simple. When you log in to your account for the first time, you’ll be asked a few questions about yourself so it can gather your federal loan information. Everything you need to know about your student loans will be in one spot, making it easier for you to see the big picture and manage your payments. No financial mumbo jumbo. It’s all laid out for you in a way you can understand, so you can finance your education and set yourself in the right direction financially for the future. If you also have private loans, you can add those in manually. SALT will crunch all the numbers and tell you how many loans you have, how much you owe, and your monthly payment based on the standard repayment plan. If that number is too big, SALT shows other repayment options available to you, gives you a reason why each option is better, and tells you how much you would have to pay under those plans.

But it doesn’t stop at student loans! SALT also helps you manage your money in other areas in your life. Let’s say you have a job, or are looking at a certain kind of job and know how much income you’d make. Enter that income and the type of place you’re living in or want to live in (small, average or large city), and it lays out your options in a simple graphic – your payments for your loans, housing, recreation, food, and transportation, and what you’ll get in each of those categories. Looking for a job? There’s a tool for that. Need scholarships? There’s a tool for that too. If you’re confused about all the fancy loan names, SALT breaks it down for you, in a way you understand. And let’s not forget that with My Money 101, you can take financial courses online in areas such as budgeting, credit cards, and reaching your financial goals, so that you’re armed with the financial know-how to go out in the world and pave the life you want.

Are you ready to take charge of your student loan management? Get financially savvy with SALT at NDNU.