Paying for School

These days, post secondary education is extortionately expensive. With easily accessible student loans, one may think that schooling is easy to pay for. But alas, students graduate only to face an insurmountable loan. Yikes! After graduation is usually when you need money the most. That's when you can explore the world and live out your independence. Unfortunately, a big loan is going to set back your plans by many years. So here are some practical things you can do while at school to avoid this situation down the road.

Minimize Borrowing

• Student loans are a valid payment option but minimize your use
• Do your best to keep your student loans under 1/2 of your projected gross annual income of your first job (yes, start thinking about how much you can realistically make in that first job out of school)

Co-Operative Education (or some kind of paid internship program)

• This is the single most valuable experience in my personal schooling
• It helps pay off school (and other luxuries)
• Provides work experience - prevents the proverbial catch-22 problem of experience/skills
• Helps develop confidence, job interview skills & resume writing skills
• Helps build professional networks

Work on Semester Breaks

• If you take a semester break, get a job

Scholarships

• Apply for scholarships if you think you might qualify
• You'll never know if you'll get one unless you try

Spending

• Students need to practice spending behaviours on a shoe-string budget
• Pack your lunches as much as possible
• Get that bus pass and whatever discounts available for students
• Live at home with your parents if you can

Self Preservation while Schooling

Schooling is a busy time of life. Spending full days in lectures and classrooms is tiring. You go home exhausted yet still you push yourself to study, finish assignments, etc. One can easily lose oneself in the stressful demands and rigour of school. This blog covers some easy steps to help preserve your sanity through school:

Personal Time

• Set aside one evening every week just for your self
• For that one evening, don't do anything related to school
• Do something you really enjoy
• Make it regular and make it consistent

Quiet Time

• Set aside some quiet time for reflection, meditation, and/or prayer
• Preferably daily; however, I find that consistency is more important than frequency

Time Off

• If you're feeling burnt out, take a semester off and take a temporary job or go on a vacation
• Co-op/Internship semesters can help as well
  

Studying Effectively

Based on my own schooling I have grouped all my courses into 4 course types based on different study methods. I have compiled guidelines for each course type to help you study more effectively. This does not take away from the fact that hard work and dedication are still required.

Learning by Repetition
These generally are math or math-dependent courses. For myself, these are the hardest credits to earn because I suck at math. There are no shortcuts through the learning curve. Here are some tips:

• do the practice questions after each class.
• if you are weak in math, do more practice than the regular Joe. Ask more questions.
• do not fall behind - it's impossible to catch up in a short 13-week semester.
• avoid taking on a full course-load when taking a "Learn by Repetition" course, if possible.
  
• In a semester, take at most ONE "Learn by Repetition" course.
• Ask around about professors in advance. Get a reputable professor.
  

Learning by Memory
These are courses based on memorization, sometimes called "regurgitation" courses. For myself, they are moderately difficult credits as there are a few shortcuts available. So here are the tips:

• Attend all lectures and know what the professor deems as "important". You don't want to bother memorizing something unimportant.
• Buy a marked-up used text book. Choose the book carefully as books that are completely highlighted are useless. Study the mark-ups and don't bother reading the entire book.

Essay Courses
These are courses with long essays. The credits are easy in that it is nearly impossible to fail but equally hard to excel.

• Essay-writing is time-consuming. Avoid taking more than 3 essay & repetition courses at the same time.
• If possible, take essay-writing courses with similar themes simultaneously. This allows you to leverage the same research but DO NOT use the same essay twice.
• Do not throw away your research notes if you still plan to take more essay courses. I found the same research comes in handy in many courses.
• Proofread your essays at least twice. If you're weak in the language, have a friend help you.
• Use the spell checker.

Remember, there are only 2 ways to fail an essay course: plagiarism and missing assignments. Don't do either of these. Plagiarism is particularly bad - that'll get you expelled from the post secondary world.

Cheat Sheet Courses
These are generally science or engineering courses that allow you to bring a "cheat sheet" to your exam. Be warned, though, cheat sheet almost always means incredibly long exams. If you solely rely on your cheat sheet, you will not finish the exam by a country mile.

• When making the cheat sheet, take the time to study what's on your cheat sheet so you don't have to completely rely on it.
• Memorize the topography of your cheat sheet so you do not have to hunt around.
• Do not photocopy someone else's cheat sheet. For the above 2 reasons, you'll find that the cheat sheet is useless to you.

If you have found any other tips for studying, please feel free to comment.