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About Oregon daily emerald. (Eugene, Or.) 1920-2012 | View Entire Issue (May 28, 1996)
Graduates can tap city’s resources ■ TRANSITION: Moving out can be made easier by community schools and the internet By Jennifer Schmitt H&m faucme* mvonm Graduating and anlaring the mat world ran be stressful and intimidating* but service* in iba community. through tha Univer sity and on tha internet are available to make tha transition easier. Although I i names are usually tight (or reran t graduate*, some banks are lenient in giving loans io resent gradu ates They generally don’t have special loan package* (or gradu ate* but will make allowance*. "We require people io have been at a Job (or at least two years in order to get a loan." said Stephanie Smith, loan officer at Bank of America "Bui graduate* who have only been working at a job for a few month* can sub mil a letter explaining that they have just graduated, and we will definitely take that into consid eration.” The Career Center provides fob support with information and assistance. Their services are free to recent graduates for one term following graduation. "We help students with every Urad thing, fro® helping them dis amw what kind of job they are looking for to )ob researching and helping them with their resumes," Mid Beth Swank, t’eiwr Center advisor Moving to a new tree out be • difficult transition. but mo*t companies will help provide new employee* with housing referral*. Swank said. "It is important to think ahead," the Mid "When gtadu ate* go to a new city to find out about a fob. they should make sure they spend e day or to checking out the housing in that area." Often, the transition can be overw helming and stressful Graduation generates a lot of anxiety. Mid Mark Evans, coun *elor at the University Counsel ing Center "We actually have a lot of people coming tn who are stressed about graduating and need some emotional support.* he mid By listening end talking with students, counselors ere able to help the students understand whet is causing th* anxiety and nlhetn find th* beet ways to with it "We enc ourage people to seek emotional support from their friends and family." Evans Mid. "Often people just need some one to talk to." The counseling c enter is able to offer suggestions or referrals to counseling centers in other areas for graduates who have GRADUATION ON THK INTKRNKT Horn# paQa* COWSri •ntomwion ftaipM to moan* C«l> DiMMClOfy into about moving to a naw cuyantfamt ■ ratpi/wwarcty rwt ■ mm** de uvMAbovd him S.H,»»V Comp,|fi»orH Satary ratrtAtitrva tvuaeS on dttlaratit ernes mncf tiataa m itap/Awn* .batMtmi com/ hornet** j'cmr'Mfcalt Mmi <*«M» ft* moved And need some type of cbuiIIomI support Most cities have |tmup* — such as the Call forms P*y« hokigteai Assoc tattoo — that can be found in the phone booh and are a good piece to cal) for referrals and genera) information, "We have strong ctmim-U In the Bay Area and in Seattle.* Evans ■aid "Sometimes we surest that people cal! plat es like Sen Fran cisco State and gel referral* from their counseling center * Pages on the Internet can pro vide vsluable information for graduates who are relocating Students can browse city weft pages to find general informs lion on bousing, events and activities and city population College loans are manageable with planning ■ BUDGET: Students can deal with debt if they plan well, says credit counselor By JMn M Bond Hugemt SttucMon ftrnpotm High college coats mean graduating student* not only get ■ degree, but plenty of debt aa well But with careful planning, students can handle their college debt, said Larry Winthroo, president of Con*umar Credit Counseling of (> "Students should prepare a lean and livable budget," Winthrop said. "They should know what debt they have, how much their living expense* are and how much they have left to pay off their debt with." An average undergraduate will leave school with around $15 ,000 to St 7.000 in student loan debt. mtun. Grad Mid Judy Sating, financial aid counselor With a ten y«*r repayment plan and the current interval rate of 8 25 percent, payment* for a loan debt of $15,000 would be around S1B4 a month, *he aaid Students who have loans through more than ona lender may want to consolidate them to simplify repayment. Sating said If loans were gained through the same lender or service agency, stu dents do not need to consolidate them because the agency will combine the loans for the student, she said. However, students should not consolidate Perkins loans because they have s low interest rate. "If [students! consolidate their Perkins they lose that 5 percent interest rate,* Saiing Mid Students who have problems paying their stu dent loans should contact their tender to make arrangement*. Winthrop mid typed of ttudent loan* have different creditor* and different contract*,* be mid. “Differ ml arrangement* may be available depending on the creditor " One of the major problem* ttudent* can have after graduation i* credit card debt, said Emily laupold, marketing director for t 'ontumer Credit Counseling in Eugene .-xuurnu unan reiy on cretin earns rnwause they think they 're going to get a job and pay them off." she said. Ilut that doesn't always happen.* VVinthrwp recommend* that student* avoid moat of the credit card offer* they receive They shouldn't gel mure than one card because the temptation i* to u»e alt the card* up to (heir limit," he said "Then {students) have more debt than they can afford One card should be enough to handle everything.** Student* who realise they are in over their bead* should deal with problem right sway, Winthrup said S shouldn't wait too long,* he said. 'Attack t«m as toon as you know about it,** rop said students who find thernsalva* unable to pay their debts have options 'Contact your creditors and try to make an arrangement that you can keep, be said, 'If you make promises you can't keep, you won't be able to talk to that creditor again “ Students who cannot work out arrangements with creditors can go to their local credit counsel ing service for help, Winthrup said The most eth ical counseling services are members of the National Foundation for Consumer Credit, he said. A counseling service can help those in debt work out s budget and can even help students work out affordable payment arrangements with creditors. Winthrup said. "I Advertise in the ODE Classifieds today! 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