No Loan Zone: Recent Episodes
Janet Maltbie
Frustrated with the cost of college? The No Loan Zone, complete a degree debt free podcast focuses on ways to complete a degree through Lorain County Community College and beyond.
In a world where technology is rapidly advancing, the impact of artificial intelligence, or AI, on our careers cannot be ignored. In this episode of the No Loan Zone podcast, we dive into the topic of AI and its influence on your career or college major.
3 key takeaways:1️⃣ Embrace the wave: Just as the microprocessor, personal computer, and internet have transformed our lives, AI is poised to make a significant impact. Be open to exploring its capabilities and consider how it can enhance your career prospects.
2️⃣ Choose your educational path wisely: If you're planning to go to college, ensure that the institution you choose is on the cutting edge of AI training. Seek out programs that teach you how to incorporate AI into your chosen field.
2️⃣ Choose your educational path wisely: If you're planning to go to college, ensure that the institution you choose is on the cutting edge of AI training. Seek out programs that teach you how to incorporate AI into your chosen field.
Connect with Janet Maltbie:* Website: www.lifeworkcareerservices.com/calendar * Linkedin: www.linkedin.com/in/janetchavezmaltbie
Summary: College decisions stressing you out? Don't let college costs hold you back! In our latest No Loan Zone episode, we explore tips to cut the cost of college by applying for scholarships the easy way. Our guest, Sarah Nau, shares insider info on the LCCC scholarship app! Find out how you can increase your chances of getting free money for college.
Timestamps: Financial Aid Tips for Students and Parents: "Complete the FASFA. Free application for federal student aid should be the first thing that you're doing."— Sarah Nau 01:39-01:44
"Financial Aid Eligibility: they don't look at just the income. There are quite a few other areas that they look at and goes into the calculation to determine that eligibility, and you don't know unless you try it. So take a few minutes, get it filled out, and take a chance." — Sarah Nau 02:44-02:58
Financial Aid Tips: "The most important thing is just to read each question thoroughly before you answer it."— Sarah Nau 03:10-04:15
"My Scholarships app: The really cool thing about the My Scholarships app is that some of the scholarships are so easy to fill out that once you have that common profile done, all you need to do is pull up the application. Let's just say it's the Sarah Now music scholarship, and you wanna apply for that. It may be as simple as pulling up the application, and then all you need to do is sign and date it."— Sarah Nau 04:25-06:29
"Scholarship Opportunities: Fill out as many as you qualify for. Give yourself more chances than less."— Sarah Nau 07:09-07:12
3 key takeaways: 1️⃣ Scholarships Are a Game Changer: College can be expensive, but there are ways to cut down on the costs. Filling out the FAFSA form and applying for scholarships can make a significant impact on your financial burden.
2️⃣ Take a Chance, Apply Anyway: Don't be discouraged from applying for scholarships just because you think you might not qualify. Many scholarships have different preferences and criteria, and you might still be eligible if you meet most of them.
3️⃣ Expert Guidance and Resources: If you need help navigating the maze of career choices or financial aid, the "No Loan Zone" podcast has you covered. Janet Maltbie, a career counselor with years of experience, shares valuable testing and career guidance services to help students gain clarity and confidence. Check out lifeworkcareerservices.com for more information.
Get Started with the LCCC Scholarship App * Website: www.lorainccc.edu/scholarships * Phone: 440-366-4034
Connect with Janet Maltbie: * Website: www.lifeworkcareerservices.com/calendar * Linkedin: www.linkedin.com/in/janetchavezmaltbie
Summary: In this episode of the No Loan Zone podcast, host, Janet Maltbie explores the legal missteps that parents often encounter when sending their kids off to college, and the importance of having the right legal documents in place. She is joined by guest Matt Hallett, an attorney specializing in family protection planning, trusts, probate, and wealth preservation.
Timestamps: "Even though their parent may be financially providing for them to go to college, the child has legal rights that may supersede the rights of their parent." — Matt Hallett [00:01:39 → 00:02:14]
"Unless your child elects with the university to give you access to their financial information at the school, through the school's bursar, you don't have access to it because that is their financial information - that's even if you are a co signer on a loan. You cannot communicate directly with the bursar because you are not the student and they're an adult. And that is their financial information. There are laws that protect them." — Matt Hallett [00:02:17 → 00:02:53]
"Generally speaking, most colleges will provide some type of mechanism to allow you to get that access, because the colleges do know that it's important that parents are involved." — Matt Hallett [00:03:01 → 00:03:28]
"Being able to participate, not control, but participate in their college experience is necessary. Therefore, it is not unwise to be able to connect financially your accounts with your child, because you may need, or they may need you to financially be able to connect to them." — Matt Hallett [00:05:53 → 00:07:14]
3 key takeaways:
1️⃣ Legal documents are crucial: Many college students may not realize the importance of allowing their parents access to their college information. However, there are legal documents, such as financial power of attorney, HIPAA authorizations, and healthcare power of attorney that grant parents the necessary authority to access and assist with financial and medical matters, ensuring peace of mind for both parties.
2️⃣ Communication and trust: It's crucial for parents and students to have open conversations and establish trust before college. Building this foundation can help avoid potential problems and navigate issues that may arise throughout the college experience. Parents who provide financial support often want to have access to certain information so that they can assist if an unfortunate event arises but students must work with the college to grant this permission.
3️⃣ Seek professional advice: Planning ahead and meeting with an attorney specializing in family law is highly recommended. They can guide parents and students in understanding their legal rights, addressing potential issues, and ensuring that the right legal documents are in place to protect everyone involved.
Connect with Matt Hallett * Website: https://hallettlegalgroup.com/ * Phone: 440-823-8542
Summary: Are you a high school student planning to attend college in the fall? In the latest episode of the No Loan Zone podcast, host Janet Maltbie interviews Faith Talmage, a fashion merchandising major at Kent State University, on navigating freshman year!
3 Key Takeaways: CREATE YOUR OWN SPACE: If you're living with a roommate, you may struggle to find alone time. Faith shared how she used the space under her bed to create a personal spot, which she called her 'cave.'
GET INVOLVED: Faith didn't expect to join as many clubs as she did in college. However, attending a club fair and signing up for various clubs opened up new avenues for her. She even joined a club focused on fashion.
PLAN AHEAD: Faith knew what field she wanted to study in, and she took specific classes to prepare for her career in fashion merchandising. Taking entry-level classes that could be taken remotely gave her a head start.
Remember, college is expensive, and students should make sure it's the right choice for them. The No Loan Zone podcast is committed to helping students complete a degree debt-free and Janet Maltbie provides career guidance to help students find the right fit through www.lifeworkcareerservices.com
On this episode of No Loan Zone, host Janet Maltbie brings on guest Kristyn Poltis to discuss the upcoming Supreme Court ruling on student loan forgiveness. Kristyn shares her own experience of taking out a student loan without fully understanding the impact it would have on her future. The discussion also covers strategies for making college more affordable, including choosing a lower-cost school or attending a career exploration boot camp. Listeners can learn more about the boot camp and other resources for debt-free degree completion by going to www.lifeworkcareerservices.com
Summary:What books would you recommend college students read? In this episode, Krista O’Neill, nationally honored Lorain County Community College advisor and Guided Pathways coach for the Success Center for Ohio Community Colleges talks with podcast host, Janet Maltbie about high impact books that help college students succeed.
Check out these top book recommendations from your local library:
Krista’s Favorites:* Poems by E.E. Cummings and Walt Whitman * Educated by Tara Westover * The Book of Joy by the Dalai lama and Desmond Tutu * What Color is Your Parachute? by Richard Bolles
Janet’s Favorites: Top 10 Ebook * The Holy Bible * How to Find Your Mission in Life by Richard Bolles * The 7 Habits of Highly Effective People by Stephen R. Covey * Building a Second Brain by Tiago Forte * The Pomodoro Technique by Francesco Cirillo * The Compound Effect by Darren Hardy * Atomic Habits by James Clear * The War of Art by Steven Pressfield * What Color is Your Parachute? by Richard Bolles * How to Win Friends and Influence People by Dale Carnegie
Highlights:In this episode, Krista O'Neill shares her love for reading and how it can help students succeed outside the classroom. As an English major who loves poetry, O'Neill suggests that if someone has a short amount of time, they should read a poem because it can be impactful in a short period of time.
She also recommends the book "Educated" by Tara Westover, which emphasizes how privileged college students are to have the opportunity to learn and gain an education compared to people in other parts of the world.
She also discusses, “The Book of Joy” by the Dalai lama and Desmond Tutu as exemplars of empathy. She suggests the book encourages people to see the world from different points of view.
Finally, O’Neill likes, "What Color is Your Parachute?" by Richard Bolles, which helps students reflect on what they want out of a job and what is a good fit for them, considering factors like work values, skill set, and interests.
O'Neill advises students to always be learning, trying new things, and pushing themselves. She believes in continually improving skills by staying updated, attending webinars, and reading.
The podcast concludes by mentioning the top 10 book recommendations developed by podcast host, Janet Maltbie. Maltbie also encouraging students to seek out resources and support by enrolling in her online career exploration class, SDEV 103 Career Exploration and Life Planning through Lorain County Community College.
About Krista O’Neill:Krista O’Neill has advised students for over 37 years at Lorain County Community College. In 1995, Krista was honored by the National Academic Advising Association as one of thirteen Outstanding Advisors nationally. In addition to her role at LCCC, Krista serves as a Guided Pathways coach for the Success Center for Ohio Community Colleges.
Connect with Krista O’Neill:* LCCC: koneill@lorainccc.edu * LinkedIn: www.linkedin.com/in/krista-o-neill-06b8b4168/
About the Podcast Host, Janet Maltbie:Janet is a professional career counselor in the state of Ohio with over 20 years experience helping students and people in transition make wise career choices. Her work has involved guiding students in the career and college planning process as an academic counselor at Lorain County Community College.
After 13 years at LCCC, Janet transitioned to an adjunct faculty position, exclusively teaching a Career Exploration and Life Planning class and meeting with clients individually while pursuing her work as the founder and host of the No Loan Zone podcast.
Connect with Janet Maltbie:* Website: noloanzone.com/contact * Linkedin: www.linkedin.com/in/janetchavezmaltbie * LCCC: jmaltbie@lorainccc.edu
Podcast Summary:Are you ready to take your college experience to the next level? In this podcast, Janet Maltbie, a career counselor, discuss the benefits of completing an internship with her guest, Marcia Jones, the Career Services Manager at Lorain County Community College.
Maltbie outlines the advantages of internships, including gaining real-world experience, building a professional network, developing professional skills, and improving a resume.
Jones explains that students can access their Career Services through a platform called Handshake, where they can schedule appointments, develop resumes, and explore job or internship opportunities related to their career pathway.
Highlights:In the latest episode of No Loan Zone, we explore internship resources offered by Lorain County Community College's Career Services department. Here are the 4 key takeaways from this episode:
- Lorain County Community College provides students with the support they need for career prep, decision making, internships, and job opportunities. You can connect with them either in person or virtually using Handshake, the college's job and internship platform.
- Janet highlights the importance of internships and lists four reasons why they are beneficial: real-world experience, building professional networks, demonstrating professional skills, and improving resumes.
- At LCCC, each student has a career development specialist who works specifically with their career pathway and can be selected through Handshake or by calling Career Services at 440-366-4076.
- Janet is an experienced career counselor with a passion for helping students and adults pursue smart career choices and debt-free living. She teaches an online class on career exploration and life planning through LCCC.
Conclusion:So, whether you are a student or an adult, contact Career Services at Lorain County Community College (LCCC) or Janet at Maltbie to get started with your career journey today.
- The Handshake platform is an excellent tool for connecting LCCC students with career development specialists and job opportunities.
- Janet Maltbie and Career Services professionals at LCCC offer career exploration services to guide students in making wise career choices.
- It is never too late to gain real world experience and take the first steps towards pursuing your career goals. Get started pursuing an internship experience today.
- International students should connect with the international initiatives student support office first to ensure everything is compliant with their visa.
About the Marcia Jones:Marcia Jones is the Career Services Manager at Lorain County Community College. For nearly 20 years, Marcia has helped students learn about careers, and how to link their education to job experiences, so they can launch from a job into a meaningful career. She is passionate about helping students to learn about careers and how to link their education to experience to both leverage and launch their career.
Connect with LCCC Career Services:* LCCC Career Services: https://www.lorainccc.edu/career-services/ * Phone: 440-366-4076 * Email: careers@lorainccc.edu * Handshake: https://www.lorainccc.edu/career-services/handshake/
About the Podcast Host, Janet Maltbie:Janet is a professional career counselor in the state of Ohio with over 20 years experience helping students and people in transition make wise career choices. Her work has involved guiding students in the career and college planning process as an academic counselor at Lorain County Community College.
After 13 years at LCCC, Janet transitioned to an adjunct faculty position, exclusively teaching a Career Exploration and Life Planning class and meeting with clients individually while pursuing her work as the founder and host of the No Loan Zone podcast.
Connect with Janet Maltbie:* Website: noloanzone.com/contact * Linkedin: www.linkedin.com/in/janetchavezmaltbie * LCCC: jmaltbie@lorainccc.edu
Today on the the No Loan Zone podcast, Janet Maltbie discusses the Supreme Court ruling on the student loan forgiveness program that will affect over 40 million borrowers. Regardless of the ruling, borrowers will need to start paying back their loans after a 3-year pause.
Highlights:* The Supreme Court will decide if President Biden's loan forgiveness program will move forward. * Under the President’s plan, eligible borrowers may be forgiven between $10-20,000, depending on income and Pell Grant eligibility. * The average student loan debt is $40,000, so borrowers will still have to pay back a significant amount even if most of their loan is forgiven * The Court is expected to rule on the matter by June, if they decide to rule on the merits of the case. * Borrowers need to prepare to start paying back their loans immediately if the court rules in the Biden Administration’s favor and the program is not blocked by the court.
Conclusion:* The No Loan Zone podcast is committed to helping students complete their degree debt-free. * Filling out the FAFSA is one way to start on a debt-free degree. Find it on www.studentaid.gov. * Choosing a career or college major that fits your interests, skills, personality, and values is essential to finding success at school, at work and in life.
Contact Information:Janet Maltbie can be reached at noloanzone.com/contact. Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College.
Summary:Bob Born recently passed away, leaving behind a legacy of marshmallow Peeps. On the No Loan Zone podcast, Janet Maltbie breaks from her normal routine to pay tribute to Bob. She recounts his journey, from engineering physics to the Navy to the candy-making business. Janet encourages her students and others to not worry about the future and know that one's career will likely not stay the same throughout their lives.
Highlights:It can be difficult to decide what to do with your life, and it can be even more difficult to make sure you’re making the right decision. It’s important to explore career options wisely, and to ensure that you’re making a decision that will bring you joy and satisfaction. One person who did just that was was Bob Born. He’s the Peeps guy who passed away on January 29, 2023, at the age of 98 according to a recent Wall Street Journal article. This man brought joy to this world through a tiny, lovable product, the marshmallow peeps. May he rest in peace.This man brought joy to this world through a tiny, lovable product, the marshmallow peeps. May he rest in peace.
Bob had a fascinating life, beginning with an education in engineering physics and a stint in the Navy as a radar specialist. He was even planning to go to medical school, but instead found a love for tinkering with production machinery. In 1953 his family took over the Roddy Candy Company in Bethlehem, Pennsylvania. Then Bob that took over the company when his father passed away in 1959. It was there that he streamlined the company and produced, among other things, the famous Peeps product.
Bob’s story is an example of how exploring career options wisely can lead to success and satisfaction. He didn’t stick to one career path, instead meandered through several different jobs and careers before settling in on the candy-making business. His education and training had nothing to do with becoming a businessman, but it was still important and not a waste of time. He just applied it in the candy-making business.
This is why I tell the students in my career exploration class that they shouldn’t worry about deciding what they’ll do for the rest of their lives, because they won’t have the same job or career over time. It’s important to explore career options wisely, and to make sure that you’re making a decision that will bring you joy and satisfaction. It’s also important to remember that you don’t have to stick to one path.
In today’s labor market you will meander through several different jobs and careers. It is common for people to try new things, grow into new fields and experiment before settling in on something that brings them joy. Careers evolve and so do people.
Contact Information:Janet Maltbie can be reached at noloanzone.com/contact. Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College.
Links:WSJ article: https://www.wsj.com/articles/bob-born-found-ways-to-make-peeps-by-the-millions-11675349633?st=0q9tvxn2p2qiuqq&reflink=desktopwebshare_permalink
No Loan Zone Website: www.noloanzone.com
How 5.5 million peeps are made: https://youtu.be/6TqcZIt7rEA
Peeps Pizza: https://youtu.be/TNXSRqNrSU4
The No Loan Zone podcast encourages finding ways to completing a degree without going into debt. In this episode, you will hear from Capri, a high school student pursuing an associate's degree and Alex, a police officer pursuing a degree with tuition being paid for by his employer, the city of Elyria.
Additionally, LCCC staff member Sarah Hudson shares the challenges that students face while in school and tips for completing a degree without debt such as talking to an advisor and making sure your have a clear career goal.
Highlights:
Starting early is key to achieving a debt-free degree. High school is an ideal time to begin planning for college. Taking the right classes and getting good grades can open up opportunities for scholarships and grants. It is also important to explore career options and to understand the labor market. This will help the student make an informed decision about what college to attend and what degree to pursue.
Employers can also be a great resource for tuition assistance. Many companies have programs that provide tuition assistance for employees. It is also important to research and apply for grants. Grants are a great way to pay for college without taking on debt. Applying for the FAFSA is key: https://studentaid.gov/
Finally, it is important to ask for help when needed. College can be confusing and overwhelming. It is important to reach out to professors and advisors for guidance. They are there to help and can provide advice and assistance. It is also important to understand the terminology associated with college and to not be embarrassed to ask questions.
Completing a degree without going into debt is possible with the right planning and preparation. Starting early is key to achieving a debt-free degree and taking advantage of scholarship and grant opportunities. It is also important to have a connection with someone on campus to help guide the student through the process. Finally, it is important to ask for help when needed and to not be embarrassed to ask questions.
Contact Information:
Janet Maltbie can be reached at noloanzone.com/contact. Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College.
Today on our program we discuss betting on college and how to make wise career choices based on our options, research and the facts before us. This podcast is based on the issues raised in the book, The Biggest Bluff by Maria Konnikova.
Research before betting on college.Betting on college is a huge decision that can have a lasting impact on a person’s financial future. It is important to do research and make wise choices before making this bet. By researching the facts and understanding the options, students and their families can make an informed decision about college.
Maria Konnikova, author of The Biggest Bluff, has done extensive research on how people bet. In her book, she ran betting experiments with students using real money. She found that people tend to overestimate the degree of control they have over events. Even smart people who should know better make decisions based on limited information. Unfortunately, many people make decisions based on their emotions rather than facts and research.
Konnikova’s main message is to pay attention and look at things as they are. Students must do their homework and research the college they are considering. They must look at the hard numbers and understand their own skills and abilities and their chances of success. It is important to look at the labor market realities and make an informed decision.
Online Career Planning Class Offered at LCCC: * SDEV 103 Career Exploration and Life Planning (W101) * Online 8 week course begins January 17, 2023 * Offered through Lorain County Community College * Sign up today
Janet Maltbie, a career counselor and host of the No Loan Zone podcast, teaches an online career exploration class at Lorain County Community College. This class gives students a chance to do research and look into their options before they make a decision. It is important to understand the cost of college, the chances of graduating, and the return on investment. The numbers can be daunting. According to Maltbie, only 17% of students graduated with a degree from Lorain County Community College in 2016.
Betting on college is a big decision. It is important to research the facts and make an informed decision. By understanding the cost, the chances of success, and the return on investment, students and their families can make a wise decision about college.
Making smart decisions in high school, college, and beyond is an important part of life. The No Loan Zone podcast on radiowannabe.com provides valuable information and advice on how to make informed decisions about college and beyond. Reach out to Janet Maltbie today.
Contact Information:Janet Maltbie can be reached at noloanzone.com/contact.
Today on our program, No Loan Zone host, Janet Maltbie is on location with Josh Clemence at Boxcast, the best and easiest way to live stream events.
Josh is a professional videographer and video content specialist at Boxcast. He is also co-owner ofclevelandvideocompany.com. He holds a Bachelor’s degree in Marketing from the University of Mount Union.
In this podcast Josh recounts his time at Mount Union. After scholarships and grants, Josh took out $100,000 in student loans and 8 years later is still paying $1,000 per month for his college.
Josh’s key takeaways:* “Paying off student loans is like paying alimony to a spouse you never married.” * “Have a good idea of what you want to do first, or take some time to explore that before you start spending the money on college.” * “If you are going to go to a four year college be super involved, because if you're not, then you're throwing away your money.” * “I started a business. I met my business partner there and made great memories. But at the same time, somebody else could spend $100,000 and just go through classes and just do what they're told and get absolutely nothing out of it.” * “So if you're gonna do it, it's still up to you to make it a great experience.” * “The onus is still on you to kind of take initiative and find what you love and do all the extra steps. $100,000 isn't going to do that for you.”
Contact Information:Josh Clemence and Wade Clark can be reached at: https://www.clevelandvideocompany.com/about
Janet Maltbie can be reached at noloanzone.com/contact.
Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College.
View Full Video: https://noloanzone.com/exploring-careers-online/
Today on our program we discuss helpful websites students can use as they explore career options with Abbey Kucbel, a Career Development Specialist from Lorain County Community College. She appeared as my guest speaker via WebEx for my totally online class, SDEV 103 Career Exploration and Life Planning.
For nearly a decade, Abbey has helped students and adults find jobs and careers through Ohio Means Jobs and currently through Career Services at LCCC at Lorain County Community College.
Helpful Career Links:
Onet: https://www.onetonline.org/
Career Coach: https://www.lorainccc.edu/career-services/choose-a-career/
MyPlan: https://www.lorainccc.edu/career-services/myplan/
A Day in the Life of a Graphic Designer: https://www.youtube.com/watch?v=N79ukBM4dWY
Choosing a college major and the right career fit for you can be stressful. Many start a degree but don’t finish because they haven’t found the right career fit for them. Don’t go it alone.
Contact Information:
Abbey Kucbel can be reached at Lorain County Community College: https://www.lorainccc.edu/career-services/
Janet Maltbie can be reached at noloanzone.com/contact. Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College.
Today on our program we discuss top college loan mistakes students and parents make. We’ll be basing our discussion on a recent Wall Street Journal article entitled:
The Four Mistakes Students and Parents Make When Getting Student Loans.
https://www.wsj.com/articles/student-loan-mistakes-students-parents-college-11665175405?st=xyhw3a2vgdesgt2&reflink=desktopwebshare_permalink
We’ll be discussing the first two mistakes; not adequately exploring debt alternatives and taking on too much debt. You’ll meet Zarai Aquino who found a way to avoid debt altogether and her sister, Betsey Ramos who didn’t.
We’ll end our discussion with our financial expert, Joe Flinner of Landing Point Financial Group who discusses general loan payment guidelines experts recommend students can typically take on after they graduate from college.
Interested in finding ways for students to complete a degree, debt free. Begin that no loan zone journey today. The No Loan Zone host, Janet Maltbie meets with students individually and teaches a totally online class called Career Exploration and Life Planning through Lorain County Community College, SDEV 103.
For more information contact Janet Maltbie at noloanzone.com/contact.
Today on our program, we talk with several college graduates: Rebecca Urry, Tommy Nickel, Kyle Nickel, as well as a current student, Reanna Urry, about the $10,000 college loan forgiveness program.
Is it fair? What kind of impact will this have on them and the people who will eventually pay for the program. What is the right answer to this dilemma, many fear will cost the American taxpayer $1 Trillion. This podcast explores the answer to those questions and more.
Interested in finding ways for students to complete a degree, debt free? Begin a no loan zone journey today. The No Loan Zone host, Janet Maltbie meets with students individually and teaches a totally online class called Career Exploration and Life Planning through Lorain County Community College, SDEV 103.
For more information contact Janet Maltbie at noloanzone.com/contact.
Helping your child preparing and pay for college can be a daunting task. Start early by having conversations with your child about the new financial literacy requirement for all incoming freshman in the state of Ohio. In this podcast, we discuss with instructor Rob Schofield and two high school freshman, Kelly Kotyk and Nathan Lamb about their recent experience with the new financial literacy class they completed this summer at Avon Lake High school.
How can you help your child prepare adequately for one of the most important financial decisions they will make in their life? Going to college is expensive but is it right for you or your child? There are many ways to explore careers that doesn't involve going into debt. If you're child is unsure about their career direction and want more information about how to complete a degree, debt free and find a career that fits your personality, interests and skills, reach out to the No Loan Zone host, Janet Maltbie at noloanzone.com/contact.
Hope to complete a college degree, debt free? Learn to manage money, especially if you are in high school. In this podcast, Jack Dibee, Assistant Superintendent of Avon Lake City Schools discusses the new financial literacy high school graduation requirement for all incoming freshman in the fall of 2022. He also discusses ways students can get free college credit while attending high school.
Going to college is expensive but is it right for you or your child? There are many ways to explore careers that doesn't involve going into debt. If you're unsure about your career direction and want more information about how to complete a degree, debt free and find a career that fits your personality, interests and skills, reach out to the No Loan Zone host, Janet Maltbie at noloanzone.com/contact.
Ohio’s primary elections take place on August 2, 2022. Know the issues and representatives. Today on the No Loan Zone Podcast Janet Maltbie speaks with David Arredondo, the Executive Chairman of the Lorain County Republican Party. David hopes to be re-elected to the Republican Central Committee.
In this podcast we focus on the upcoming primary election, the role of the Central Committee, why it is separated into male and female groups and what the Ohio legislature can do to make college more affordable for families.
David Arredondo has served as Coordinator of International Admissions for Oberlin College and from 2000-2014 he was Director of International Admissions for Lorain County Community College. For over 26 years he recruited, admitted, and supported hundreds of students from more than 50 different countries
If you are unsure about your career direction you can reach Janet Maltbie at noloanzone.com/contact. Janet meets with students and adults in transition so they can reach their career goals. She also teach a totally online career exploration class through Lorain County Community College, called Career Exploration and Life Planning, SDEV 103.
Ohio’s primary elections take place on August 2, 2022. Know the issues and representatives. Today on the No Loan Zone Podcast we speak with State Senator Nathan Manning regarding the issues before voters in the 2022 elections.
In this podcast we focus on college grant and tax break initiatives Manning has supported in the past as well as workforce opportunities for students and college grads.
Senator Manning is serving his first term in the Ohio Senate representing the 13th Senate District, which includes both Huron and Lorain County in Ohio. He hopes to pursue a second term as State Senator.
If you are currently enrolled in college or are thinking about enrolling in the fall, we encourage you to take some time to seek out ways to complete a degree, debt free. One way to do that is by checking out the Ohio College Opportunity Grant supported by Senator Manning.
And if you are unsure about your career direction you can reach Janet Maltbie at noloanzone.com/contact. Janet meets with students and adults in transition so they can reach their career goals. She also teach a totally online career exploration class through Lorain County Community College, called Career Exploration and Life Planning, SDEV 103.
Tommy and Kyle have Communications degrees and both took out loans but Kyle went to a public school. Tommy didn’t. This podcast centers on the career journey both brothers began over 10 years ago.
Was it worth their time? Are they glad they went to college? Did they need it for the jobs they both have at BoxCast, a Cleveland based technology firm that offers streaming solutions to organization and individuals.
Going to college is expensive but is it right for you? There are many ways to get started in a career that doesn't necessarily involve going into debt. If you're unsure about your career direction and want more information about how to find a career that fits your personality, interests and skills. Reach out to Janet Maltbie at noloanzone.com/contact.
Many thanks to Wade Clark of Boxcast who provided production assistance and to Danosongs who provided music for this podcast.
Today, the NoLoanZone Podcast goes on location at Boxcast with Gordon Daily, CEO and Co-Founder of Boxcast. Boxcast is a Cleveland based computer technology company that offers online streaming solutions to organizations and individuals. Gordon graduated from Case Western reserve with a degree in Computer Engineering and employs about 100 people, many of whom, have completed a degree.
Highlights:
1:50 What is Boxcast?
3:07 Gordon started making things in college as a computer engineer.
3:53 What is Gordon looking for in an employee? Skills and the intangibles matter.
4:52 Technology is a great place to invest in but half of the job isn’t actually doing the technology. The bulk of the job is communication, organization, research, working with people.
6:08 If you are going to an elite school like Case Western Reserve, you have to have some aspirations and know exactly what you are doing. Because if you come out of that school without a real clear idea what you want to do, it's just a hard game to catch up with in terms of debt.
6:53 The most valuable thing they (Case Western Reserve) gave to me (Gordon) was the relationships with the people that I knew my co founders, and my best technology coders are people that I met through the university.
7:31 At Boxcast, we have lots of employees that have degrees, we have lots of employees that don't have degrees. We have people in technology positions that don't have a four year degree, there are all kinds of interesting learning experiences that you can have that don't require having to have a degree.
8:10 Intangible skills do matter. It's not that skills don't matter. And you have to learn the coursework, whether that's in the classroom, online, or through a, you know, some sort of alternative program. But really, what matters most to companies are your work ethic, and how well you work with other people. And will you follow through on the deadlines? When you say you're going to do something? Can you do something? And can you stay organized?
9:35 Lots of living wage opportunities are available in technology. But is it right for you? There are many ways to get started in the field that don't necessarily involve going into debt. If you're unsure about your career direction and want more information about how to find a career that fits your personality, interests and skills. Reach out to me Janet Maltbie at noloanzone.com/contact.
Today on our program my guest is Joe Flinner. This week we look at ROI (Return on Investment): How to get a smart return on your college investment. Joe is the lead wealth advisor for Landing Point Financial Group in Avon Ohio. He earned a finance degree from Bowling Green University and is a Certified Financial Planner and a Certified Kingdom Advisor.
Some quick tips on getting a smart return on a college investment:
- College is expensive. Start early planning for college. Have small incremental conversations with your student regarding about how much money you can reasonably invest for college without burdening them with exorbitant debt.
- A good rule of thumb is for every $10,000 in student loan debt, there will be about $110 a month in payment. So for a $40,000 loan, there will be about $440 a month in principle and interest payment on a standard 10 year loan.
- Look up what a starting salary is for the major. If the starting salary is $36,000 a year, don't put yourself in a position where you owe $90,000 in college debt when you graduate.
- Have a conversation with a third party to determine what you want your contribution to the college plan to be. Do this before you have that conversation with your children. Its a really good opportunity to understand your financial balance sheet and to understand what you can reasonably contribute to their education.
Joe Flinner can be reached through www.landingpointfinancialgroup.com or by calling 440-361-7227. And, if you're unsure about your career direction and want help on completing a degree debt free you can reach me Janet Maltbie at www.noloanzone.com/contact. Janet meets with students and adults in transition so they can reach their career goals.
Janet Maltbie discusses a beginners guide to transferring to a college or university using the University Partnership Program with Lorain County Community College (LCCC) Student Senate Representative, Brenda Hitchens.
Brenda holds an A.A. degree from LCCC and is currently working on her Bachelor’s degree in Psychology through the University Partnership program with Cleveland State University and LCCC.
Brenda joined the Student Senate because she wanted to help students advocate for themselves and seek appropriate solutions to assist their way through college.
Brenda’s tips to transferring:
- Ask a lot of questions, especially financial aid questions. Financial aid does not last forever. Don’t waste it taking unnecessary classes.
- Make an appointment with your academic advisor. Make sure you are taking the right classes.
- If you plan on transferring to a 4 year college, know your major and have a plan. Meet with a transfer coordinator early so all your Community College classes transfer and fulfills your major requirements at the 4 year college or university.
Reach out to the LCCC transfer center through Lorain County Community College by calling 440-366-4949. Brenda Hitchens can be reached directly through the Student Senate by calling 440-366-4036.
Finally, if you're unsure about your career direction, and want help on completing a degree debt free, Janet Maltbie can be reached at noloanzone.com/contact. She teaches a totally online career exploration class through LCCC called Career Exploration and Life Planning , SDEV 103.
This week on the No Loan Zone Podcast we look at how to avoid college debt by transferring and getting aid. Today on our program my special guest is Billie Sirn. Billie is the Lorain County Community College Transfer Coordinator who helps students apply and transfer to 4 year colleges, professional and graduate schools.
Ms Sirn has worked at a variety of colleges to include, Ashland University, Northeast Ohio Medical University and Miami University where she worked for 18 years as a Study Abroad Advisor for the Luxembourg Program, and a Financial Aid Advisor.
Tips on easing the transfer process:
- Start with the end in mind. Don't assume your college credits will transfer.
- Reach out to your current college advisor, transfer coordinator.Tell them where and when you want to transfer.
- Obtain the requirements for the transfer school of your choice. Work with the transfer coordinator of that school as early as possible.
- Don’t go it alone.
My guest, Billie Sirn, can be reached through the Lorain County Community College Transfer Center at 440-366-4949 or by going to the LCCC Transfer Center website at: https://www.lorainccc.edu/admissions-and-enrollment/transfer-information/
Also, if you are unsure about your career direction and want help on completing a degree, debt free, you can reach me, Janet Maltbie, at noloanzone.com/contact. I meet with students and adults in transition so they can reach their career goals. I also teach a totally online career exploration class through LCCC, called Career Exploration and Life Planning, SDEV 103.
Today we discuss ways of avoiding debt by using the new scholarship app through Lorain County Community College (LCCC) with Sarah Nau, Financial aid specialist of LCCC.
Sarah Nau has over 27 years experience helping students and parents navigate the financial aid system by making the complicated application process easy to complete. One of her current projects is overseeing the new scholarship app at Lorain County Community College.
Here is important information about using the app:
- Click on this link to go the LCCC Scholarships app: https://myscholarships.lorainccc.edu/
- If you are a current student, use your LCCC email address and password to login.
- Not all scholarships require an essay!
If you are currently enrolled in college or are thinking about enrolling in the fall, I encourage you to take some time to seek out scholarship opportunities and look for ways to complete a degree, debt free. And if you are a Lorain County Community College student, I invite you to check out the new scholarship app on at myscholarships.lorainccc.edu.
Finally, if you are unsure about your career direction and want help on completing a degree, debt free, you can reach me, Janet Maltbie, at noloanzone.com/contact. I meet with students and adults in transition so you can reach their career goals. I also teach a totally online career exploration class through Lorain County Community College, called Career Exploration and Life Planning, SDEV 103.
Paying for college can be expensive and frustrating. Many take out student loans while every year millions of dollars in scholarship money goes unawarded. Today we discuss ways of avoiding the biggest financial aid mistakes students make with Sarah Nau, Financial aid specialist of Lorain County Community College.
Sarah Nau has over 27 years experience helping students and parents navigate the financial aid system by making the complicated application process easy to complete. One of her current projects is overseeing the new scholarship app at Lorain County Community College.
Here are ways to avoid making big financial aid mistakes:
- Don’t assume you won’t get aid. Complete the FAFSA: https://studentaid.gov/h/apply-for-aid/fafsa
- Apply for scholarships even in the spring semester: Don’t assume it is too late.
- Update your contact information. Check your school’s email regularly.
If you are currently enrolled in college or are thinking about enrolling in the fall, I encourage you to take some time to seek out scholarship opportunities and look for ways to complete a degree, debt free. And if you are a Lorain County Community College student, I invite you to check out the new scholarship app on at myscholarships.lorainccc.edu.
Finally, if you are unsure about your career direction and want help on completing a degree, debt free, you can reach me, Janet Maltbie, at noloanzone.com/contact. I meet with students and adults in transition so you can reach their career goals. I also teach a totally online career exploration class through Lorain County Community College, called Career Exploration and Life Planning, SDEV 103.
Completing a degree during the Covid pandemic can be challenging and frustrating. This week we look at how to Turbo charge your career or college experience with an entrepreneurial mindset. With me today is my special guest, Matt Poyle. Matt is the Program Coordinator for Neo LaunchNet on the campus of Lorain County Community College.
Matt holds a Masters degree in business administration, is a successful entrepreneur and has helped many students start their own business. He is also the author of two books: The Ultimate Memory Improvement Guide and the Entrepreneur’s Power.
When Matt works with a student he encourages them to:
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See what's possible everywhere and question everything.
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Ask, could this business be better? Could I be better at doing this? What is annoying me? Or, how could I make that less annoying?
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Becoming an intrapreneur, someone who works for someone else within their company and thinks about new ideas and is not afraid to try things out, fail and to pitch new ideas.
If you live on the Westside of Cleveland and would like more information on starting a business, Matt can reach at lccclaunch@lorainccc.edu. The name of his book is called Entrepreneur’s Power and can be found on Amazon.com. Finally, if you have questions or are unsure about your career direction, your can reach me, Janet Maltbie at noloanzone.com/contact. I meet with students individually and I teach a totally online career exploration class through Lorain County Community College, called Career Exploration and Life Planning, SDEV 103.
There are many ways to finance your education. One way is to start a business while you are in college! In this podcast we focus on the 5 myths of starting a business as a college student. Our special guest today is Matt Poyle. Matt is the Program Coordinator for Neo LaunchNet on the campus of Lorain County Community College. NEO LaunchNET offers guidance, coaching and access to resources so students from any major can gain experience in starting a business.
Here are the 5 myths Matt Poyle describes in this podcast:
- It takes a lot of time: Many students start with a small one time project.
- It takes a lot of money: There are many low cost alternatives. Neo LaunchNet also offers micro grants to students.
- You need to be a business major: Most students that Matt helps do not have a business major. You can partner with people who have that skill.
- You must have confidence: Matt encourages people to try things and to not fear failure. He states it is really important to just keep going and if version 1.0 doesn’t work, try version 2.0.
- You are alone: It can be hard to start your own business on your own. Explore support services wherever you live! Matt boasts that LCCC has the only Community College Neo Launch Net that offers free and unlimited business coaching.
Interested in getting help on starting a business through Neo LaunchNet? Contact Matt Poyle by going to lccclaunch.com. It is fast, friendly and painless and for more information on how you can explore your career options contact Janet Maltbie at noloanzone.com/contact.
On Saturday, January 15, Daniel Henninger stated on the Wall Street Journal editorial report that enrollment in America’s colleges and universities is down 1 million students since the pandemic began.
Today over 43 million people owe more than $1.7 Trillion in student debt.
According to educationaldata.org the average public university student borrows $30,000 to obtain a bachelor’s degree.
Many are wondering if it is still worth it especially when so many classes are online and students miss out that “typical college” experience so many young people hoped for.
Today, Janet Maltbie, career expert and founder of the No Loan Zone podcast, interviews students from the campus of Lorain County Community College on the first day of the spring 2022 semester.
In the midst of this pandemic, what keeps them motivated?
Why do they press on? Do they think a college education is worth it?
Their answers might surprise you.
Contact information:
Janet Maltbie at noloanzone.com/contact
In our last episode we met the older Urry sisters, Rebecca and Rachael who both attended private college, lived away from home, changed their majors once and owe more than $60,000 in student debt. But their younger sister, Reanna doesn’t want to carry that burden.
Today on our Zero College Debt Dream series, we highlight Reanna’s story and how she is finding ways to complete a degree, debt free by taking CCP, College Credit Plus classes through Lorain County Community College. It’s a program that offers free college tuition, books and fees to high school students in the state of Ohio.
College Credit Plus (CCP) Application process (2022-2023) for non-public or homeschooled students: 1. Apply to the CCP Program 2. Create an OH ID account with the Ohio Department by early February 2022 3. Complete Letter of Intent to participate to Department of Education 4. Send Letter of Intent form to: CCPIntentLetter@education.ohio.gov by April 1, 2021 5. Meet with a High school counselor or homeschool parent and Lorain County Community College (LCCC) advisor
More information on CCP and Lorain County Community College (LCCC) dual enrollment process.
For further assistance contact:
Janet Maltbie at radiowannabe.com/contact
Nadia Leary at nleary@lorainccc.edu
Today we continue our series on the Zero College Debt Dream. In our previous podcast we spoke with Neurologist Dr. Amanda Opaskar who talked about the 17 year old brain and how it is wired to make impetuous, spontaneous decisions without thinking about the long term consequence. Today we meet Reanna Urry and her family. Reanna is 18 years old and is about to make the most consequential financial decision of her life. She is planning to go to college but, where will she go and how will she pay for it? How much debt is she will to take on? Reanna’s decision will have a lot to do with what happened to her two sisters, Rebecca and Rachael.
For more information about the free College Credit Plus program through Lorain County Community College, go to: https://www.lorainccc.edu/ccp/ or contact Janet Maltbie at https://radiowannabe.com/contact.
Today we discuss with Neurologist Dr. Amanda Opaskar the adolescent brain and why it is so important for them to get help and guidance as they make the most important financial decisions in their life, namely, taking out student loans.
Is the average 17 year old really ready to make super consequential financial decisions on their own? Do they really know what they are getting into when they sign on the dotted line? What is the adolescent brain like anyway and how does it differ from an adult brain? For answers to questions we’ll talk with Dr. Amanda Opaskar.
Dr. Opaskar is a vascular and general neurologist at University Hospitals St. John Medical Center. The views expressed by Dr. Opaskar do not necessarily represent the views or opinions of university hospitals. The content is for informational purposes only and should not be taken as medical advice.
Today we begin our series on the Zero College Debt Dream and explore why over 43 million people owe more than $1.7 Trillion in student debt. Did you know the total cost of sending your 18 year old to a public college cost could go up to $100,000 before they graduate with a bachelor’s degree. This assumes, of course, families only have one child and they do not attend a private college or university. In that case, costs could quickly escalate to $300,000 or more, per child. For most families, sending their children to college represents expenses that far exceed the cost of a car, health care or their own home.
What can be done about this? Are there ways of cutting costs? Are there ways of preparing your teen to make wise career choices and complete a degree debt free?
Today on the No Loan Zone podcast we begin to seek answers to those questions in a series of podcasts called the Zero College Debt Dream. In it we will follow the Urry family’s quest to help their 18 year old daughter, Reanna, complete a degree, debt free.
Follow us on https://radiowannabe.com/series/nlz/
Join us for the final part of a 3 part series on the 5 Loaves and 2 Fish Challenge coming to Providence Church on Saturday September 25. It is designed for High School juniors and seniors who wish to explore career/college major options based on their personality and their Myers Briggs Type Indicator (MBTI) results.
In this episode we will hear from parents, Randy Nickel, Steve Trenta and Stephanie Betz, who have experience the MBTI workshop and found a way to help their student make wise career choices. We will also be discussing with High School Counselor, Elisa Talmage the common myths and mistakes high school students make when choosing a college major or career.
To sign up for the 5 Loaves, 2 Fish challenge go to https://www.providencechurch.us/calendar and click on the 5 Loaves 2 Fishes Seminar or call 440-937-5001 for assistance.
Date and time: September 25 from 9:00am – 12:30pm
Place: Providence Church 35295 Detroit Road, Avon , Ohio
Cost: $40 per person. Free for parent observers.
Open to High School juniors and seniors and their parent(s).
Join us for the 2nd part of a 3 part series on the 5 Loaves and 2 Fish Challenge coming to Providence Church on Saturday September 25. It is designed for High School juniors and seniors who wish to explore career/college major options based on their personality and their Myers Briggs Type Indicator (MBTI) results.
In this episode I speak with Matt and Elisa Talmage who have benefited from MBTI career testing utilized in the 5 loaves and 2 Fish workshop. They’ll tell you what it’s like, why it’s important but also how it can help you make a wise career choice and avoid the costly mistake of choosing the wrong college major or career. It’s one way we, on the No Loan Zone podcast help students complete the right degree, debt free.
To sign up for the challenge go to https://www.providencechurch.us/calendar and click on the 5 Loaves 2 Fishes Seminar or call 440-937-5001 for assistance.
Date and time: September 25 from 9:00am – 12:30pm
Place: Providence Church 35295 Detroit Road, Avon , Ohio
Cost: $40 per person. Free for parent observers.
Sign up deadline: September 18. 2021
Open to High School juniors and seniors and their parent(s).
Join us for a conversation with Caleb Watson, Pastor of Student Ministries at Providence Church in Avon Ohio. Janet Maltbie discusses with Caleb the 5 Loaves 2 Fishes Challenge coming to Providence Church on Saturday September 25. It is designed for High School juniors and seniors who wish to explore career/college major options based on their personality and their Myers Briggs Type Indicator (MBTI) results.
To sign up for the challenge go to https://www.providencechurch.us/calendar and click on the 5 Loaves 2 Fishes Seminar or call 440-937-5001 for assistance.
Date and time: September 25 from 9:00am – 12:30pm
Place: Providence Church 35295 Detroit Road, Avon , Ohio
Cost: $40 per person. Free for parent observers.
Sign up deadline: September 18. 2021
Open to High School juniors and seniors and their parent(s).
Thinking about transferring from a community college to a four year school such as Cleveland State or Kent State University? Meet Udell Holmes III, Adjunct Professor of SDEV 190: Introduction to the LCCC Community. Udell completed his Associate of Arts degree at LCCC then transferred to Cleveland State University where he obtained a Bachelor’s degree in Psychology. While at LCCC he served as Student Senate President during the 2019-2020 academic year. He brings a wealth of information on the advantages of a community college education and how it enabled him to complete his A.A degree debt free.
Are you frustrated with the financial aid process? Join us for a conversation with Carrie Short, Director of Financial Aid at Lorain County Community College. Don’t miss out on free money because you failed to apply to financial aid, got frustrated with the process or failed to update your contact information.
- Don’t go it alone or give up. Reach out to a Financial Aid office at your local Community College
- Use their chat line, email, call or visit an office in person
- Chat line at Lorain County Community College: https://www.lorainccc.edu/paying-for-college/financial-aid/ (Availability may vary.)
- Email financial aid at LCCC: Finaid@lorainccc.edu
- Phone Financial Aid at LCCC: (440) 366-4034
Realize many times financial aid will need to verify your information. The government requires this. It is not personal, but it can be frustrating. Make sure you are in contact with your financial aid office by checking your email. During the pandemic, use the chat line first or email before calling.
Apply for the FAFSA. Update your contact info regularly. * Apply for the FAFSA (Free Application for Federal Student Aid) at https://studentaid.gov/ * Make sure your current address, phone number and email information is accurate and up to date. * Many students miss out on grants and scholarship because they either didn’t apply or their financial aid office could not reach them. * Check your school email regularly.
Enlisting in the military is a big decision. Is it right for you? Vanessa Richards thought it was right for her. She plans to serve and then take advantage of the Montgomery GI bill that provides tuition assistance for those who have served in the military. Here are some key takeaways Vanessa discussed:
- Talk to a recruiter but make sure you do your homework first. Talk to someone who is currently serving in the branch of services you are interested in: Army, Navy, Marines, Air or Space Force.
- Work on getting yourself into shape before boot camp. For women it is harder than you might expect.
- Think about what you want to do in the military before you enlist. Recruiters need to increase their numbers and might not be as forthright as you might expect.
Unsure about your career direction and want help on completing a degree, debt free? You can reach the host of this podcast, Janet Maltbie, at radiowannabe.com/contact. She meets with students and adults in transition virtually online so they can reach their career goals. She also teaches a totally online career exploration class through Lorain County Community College, called Career Exploration and Life Planning, SDEV 103.
Espy Correa and Kate Lentz served in the military and loved it. Is it right for you? Many veterans receive educational benefits during and after their career. Listen to Espy and Kate’s NO LOAN story and determine next best steps if you are thinking about joining any branch of the military.
Key takeaways:
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Talk to people who currently serve or have experience in the military. Know what you want.
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Contact Espy or Kate at lorainccc.edu/veterans before visiting a recruitment office. They can also be reached at 440-366-7378.
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Take a veteran with you when you visit a recruitment office. Don’t go alone.
Unsure about your career direction? Not sure if the military is right for you? You can reach the host of this podcast, Janet Maltbie, at radiowannabe.com/contact. She also teaches a totally online career exploration class through Lorain County Community College, called Career Exploration and Life Planning, SDEV 103.
Today on our program Matt Mercado discusses the Sail program at Lorain County Community College. Participants in the program get free money in the form of gap tuition scholarships, textbook vouchers and gift cards. They also get personalized career advising, priority registration and access to career development workshops. It is all designed to help you complete your degree in three years or less. So if are a full time student receiving the Pell Grant and you are thinking about taking out loans to cover your expenses, you owe it to yourself to check out programs your college campus that will pay you as you go to school.
For more information about the Sail program contact Matt Mercado at Lorain County Community College at 440-366-4117. More information can also be found at the Sail program website: https://www.lorainccc.edu/admissions-and-enrollment/sail-information-sessions/
Also, if you are unsure about your career direction and want help on completing a degree, debt free, you can reach the host of this podcast, Janet Maltbie, at radiowannabe.com/contact. She teaches a totally online career exploration class through Lorain County Community College, called Career Exploration and Life Planning, SDEV 103.
Getting the most out of your Community College experience means starting with the end in mind. Today Krista O’Neill, lead guided pathways coach for the 23 community colleges in Ohio, discusses the state and national trends that help students complete degrees through four pillars of support: clear curricular pathways, choosing a pathway, helping students stay on the path and ensuring students are learning. In order to get the most out of your community college experience, O’Neill suggests:
- Start early. Take college level classes while in high school though the CCP program: https://radiowannabe.com/nlz/ep1/
- Take classes all year long. Augment your Fall and Spring semesters with summer classes.
- Research career options using the Occupational Outlook Handbook: https://www.bls.gov/ooh/
- Meet regularly with your academic advisor to make sure you stay on track. Get involved in the campus. Take advantage of internships, co-ops and student activities. Engage in the campus community and take advantage of services.
- Ask for help when needed. On the Lorain County Community College campus the ARC (Advocacy Resource Center) https://www.lorainccc.edu/support-services/arc/ provides access to food, counseling, financial and other support services so students can, “focus less on worrying and more on their future.”
Also, if you are unsure about your career direction and want help on completing a degree, debt free, you can reach the host of this podcast, Janet Maltbie, at radiowannabe.com/contact. She teaches a totally online career exploration class through Lorain County Community College, called Career Exploration and Life Planning, SDEV 103.
Interested in the entering the medical profession? Passing Anatomy and Physiology is a must. This podcast centers strategies you can take to pass and excel in the class. Join us for a conversation with Lorain County Community College (LCCC) graduate, Caitlin Bayus. Caitlin recently graduated from our nursing program and is working as an emergency room nurse in Elyria Ohio. She holds a two-year Associates degree in Nursing. For more information about taking Anatomy and Physiology through LCCC, please call 440-366-4033 and ask to speak with an advisor today.
Interested in the entering the medical profession? Passing Anatomy and Physiology is a must. This podcast centers strategies you can take to pass and excel in the class. Join us for a conversation with Dr. Kathy Durham, Biology Professor at Lorain County Community College. For more information about taking Anatomy and Physiology through LCCC, please call 440-366-4033 and ask to speak with an advisor today.
Interested in entering the medical field but need a short term training program that will pay as you learn? Join us for a conversation about how to get started in dialysis care with Sally Marty and RJ Picciano. Sally Marty is a nurse and was awarded the 2020 Dialysis Healthcare worker of the year award by the Ohio Renal Association. RJ Picciano is President of Bonent (Board of Nephrology Examiners Nursing Technology).
Links to Dialysis Training websites:
- Davita training centers: https://careers.davita.com/
- Forsenius: https://jobs.fmcna.com/
- Dialysis Technician Training Centers in Ohio: https://www.dialysistechniciansalary.org/dialysis-technician-training-ohio/
- Dialysis training video: https://www.youtube.com/watch?v=hmuKeuXkSjs
- Board of Nephrology Examiners Nursing Technology website: https://bonent.org/
If you would like more information on getting started in a career in dialysis contact RJ Picciano directly at president@bonent.org.
Money problems? Do you have control over your finances. What are some creative ways to pay for college without going into debt.
Join us for a conversation with Jim Leone. Jim is a financial planner with Aspire Investment Management. Since 1981 Jim has helped individuals, families, pastors and churches with financial planning, investment management and insurance. He is an instructor for Financial Peace University and is a member of Hope Church in Avon Ohio.
If you would like more help planning your financial future, you can reach Jim Leone through Aspire Investment Management at 440-925-3042 . And if you your child is unsure about their career direction and want help on completing a degree, debt free, you can reach the No Loan Zone host, Janet Maltbie, at radiowannabe.com/contact. She teaches a totally online career exploration class through Lorain County Community College, called Career Exploration and Life Planning, SDEV 103.
Day 2 of the No Loan Zone Challenge: Meet with your High School counselor and Community College advisor.
After applying for the College Credit Plus program (CCP) make an appointment to see a high school counselor and your community college counselor. Today we speak with Avon Lake High school counselor, Mike Kaminski and Lorain County Community College advisor, Krista O’Neill.
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Meet with your High School counselor and determine what classes you still need to graduate. Talk about college level courses through the CCP program that would benefit you the most. Fill out appropriate forms.
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Make an appointment with your Community College advisor. On the LCCC campus the number to call is: 440366-4032
The free 5 day challenge begins on April 19 on Facebook live. Join the challenge by going to https://www.facebook.com/groups/nlzchallenge.
Day 1: Applying for Free Tuition, Books and Fees Through College Credit Plus with Nadia Leary.
- For more information go to: https://www.lorainccc.edu/ccp/
- Download application here: https://apply.lorainccc.edu/CCP-App-2021-2022.pdf
Day 2: Choosing the Right College Level Classes. Ask the LCCC Advisor or High School Counselor Anything.
Day 3: Getting the Most out of Financial Aid and Scholarships: Free summer classes for Graduating Seniors: $1300 value.
Day 4: How to Gain Clarity and Direction Before Choosing a Career.
Day 5: Helping Your Child Choose the Right Career or Major.
The free 5 day challenge begins on April 19 on Facebook live. Join the challenge by going to https://www.facebook.com/groups/nlzchallenge.
Day 1: Applying for Free Tuition, Books and Fees Through College Credit Plus.
Day 2: Choosing the Right College Level Classes. Ask the LCCC Advisor or High School Counselor Anything.
Day 3: Getting the Most out of Financial Aid and Scholarships: Free summer classes for Graduating Seniors: $1300 value.
Day 4: How to Gain Clarity and Direction Before Choosing a Career.
Day 5: Helping Your Child Choose the Right Career or Major.
Zarai Aquino came to the United States in the fall of 2017 after a hurricane struck the island of Puerto Rico. Her story is how she navigated the transition from high school to college without taking out student loans. Despite a twenty year age gap between her and her sisters, Zarai learned first hand the stress and frustration that can come from mounting student debts.
Key takeaways:
- Fill out the FAFSA form: https://studentaid.gov/
- Do your research. Check out your college’s website. Look for scholarships, grants and programs that can help you pay for college.
- Don’t understand something? Ask questions. Go to the Financial Aid office and don’t be shy about asking for help.
Also, if you are unsure about your career direction and want help on completing a degree, debt free, you can reach the host of this podcast, Janet Maltbie, at radiowannabe.com/contact. She teaches a totally online career exploration class through Lorain County Community College, called Career Exploration and Life Planning, SDEV 103.
Have you considered attending a Community College? Many high school students, non traditional students and adults in transition are finding that it is a low cost/high value way to complete a degree or learn a new skill. Today on the No Loan Zone podcast we discuss with Dr. Jonathan Dryden the advantages of attending a community college. Dr. Dryden is Provost and Vice President of Academic and Learner Services at Lorain County Community College. Previous to that he served as a Professor of English and Dean of the Social Sciences and Human Services division at LCCC. This podcast is for you if you if don’t have a clear career direction and you are not sure if you want to take the time, effort and money it takes to complete a degree. Plus, you have heard the stories about students who are in debt after completing a degree. We will be covering these topics and more with the Vice President of Lorain County Community College: www.lorainccc.edu
Also, if you are unsure about your career direction and want help on completing a degree, debt free, you can reach the host of this podcast, Janet Maltbie, at radiowannabe.com/contact. She teaches a totally online career exploration class through Lorain County Community College, called Career Exploration and Life Planning, SDEV 103.