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Don’t borrow more than you need. “You will be responsible for paying this money back. Before taking out a loan, use the repayment estimator on studentloans.gov. Don’t use so-called loan refunds to fund expenses that aren’t educational.â€
This is a critical issue in the black community. Black students borrow more and in higher amounts than students of other races. No, it isn’t 'good debt' if it’s amassed with little-to-no thought of how that debt could affect other life goals, not to mention quality of life, personal generosity, and personal or family legacy.
Be sure to take on this important investment with a realistic assessment of the costs and a plan to pay them in a way that does not cause financial insecurity in other parts of your life.
How well I remember my sisters and I noting that all our elderly aunts would ask us, “How’s school?†It’s great that they cared, and that they recognized the importance of academics. But I recently read a moving post by a high school math and science teacher, in which he challenges himself to come up with meaningful questions that would elicit thoughtful responses from his former students.
There is another side to STEM and high-paying careers, however, which I learned about at the US News & World Report 2015 STEM Solutions Conference in San Diego. That conference included community college graduates or certificate holders on a few of its panels. These grads were working in high-tech fields for well-established companies—and they were earning a little less than pharmacists.
