[It's pretty obvious that the average CollegeCandy reader has some very strong opinions. Opinions that she likes to share with everyone on the site. We love a strong woman (unless she happens to be charging at us with her fists raised), so we thought we'd give her a real forum to discuss her thoughts, feelings, and perspectives. Every Friday I'll be featuring a hot topic (like social media blackout!) and leaving it up to you, the readers, to duke it out. So, read it and get your debate on in the comments section below!]

One of the big buzz topics surrounding colleges in the last couple of years has been an administrative push to get everyone to graduate “on time” – as in, the four year model. Florida’s university system thinks they might have found the answer – as a number of other colleges have – in “block tuition”. Block tuition is basically just a flat rate system where every student pays a set price for a year or semester, regardless of how many credit hours they take. I can see some serious advantages to this program – that might be completely outweighed by the disadvantages.

On the one hand, anybody taking a heavy course load essentially gets a couple of free classes since most block tuition systems are set up around 15 credit hours. Anyone who’s already taking 18 credits, then, is getting a break on her education. Also, somebody who might want to graduate earlier could possibly get a lot of their credits packed into a year without having to pay extra – awesome! The system obviously works because it’s become a norm for private universities along with some big names like the University of Texas at Austin and UCLA. Read More »

Your cell phone alarm is going off in your ear to the tune off She Bangs by Ricky Martin, inducing the hangover you worked so hard for last night (note to self: change to something MJ immediately). Your body pillow is the most obliging (and loyal) bed partner you’ve had in months, and the monsoon outside is actually starting to lull you back to sleep. So what’s going to keep you from repeatedly hitting the snooze button and subsequently infuriating your roommates and failing out of school?

The oh so delicious piece of man meat awaiting you at that 9 am roll call.

Now, there’s not going to be a prince charming lurking behind every door, but we came up with a class schedule that is sure to make the grade. Read More »

"Uhhh... what now?"

[OMGeeee. Graduation is coming soon. As in, my graduation. As in, in less than two months I'm going to be donning a really unflattering gown and listening to someone tell me that the world is my oyster and blah, blah, blah. As in, I'm about to be a real adult living in the real world. There is so much to do, to enjoy, to learn before I graduate, that I'm not sure I'll have time to do it all. But I'm going to try, starting with my Senior Year Bucket List, then tackling a little reading....]

With graduation fast approaching, I am trying to cram in all the education and life lessons that I possibly can before I have to leave this place. I go to class, take notes, listen, and really try to absorb the teachings from all my amazing professors, teachers, and friends.

However, there are some life lessons that simply can’t be expressed in a quarter long class or in a classroom at all. There are just not enough practical classes that will ready us for life after graduation, or answer so many of the questions we don’t have the answers to. Like, how do I manage a checkbook? How do I find the perfect apartment in an unknown city? Am I going to stay in touch with all my friends post college? How do I make a cup of coffee? What am I actually going to do? Who will I become?

Since we don’t have much “real-world” experience yet, we can benefit and learn from others’ life experiences, stories, and knowledge. There is so much to be learned from other people, and thankfully, so many of those people have written their wisdom down for us.

So for all my fellow college-seniors-who-are-freaking-out-about-graduating-and-have-no-idea-what-they’re-doing, here are five great books by five great authors that might give us all a little insight and guidance. Read More »

Want some options? Try an engineering class. Lots. of. men.

Your cell phone alarm is going off in your ear to the tune off She Bangs by Ricky Martin, inducing the hangover you worked so hard for last night (note to self: change to something MJ immediately). Your body pillow is the most obliging (and loyal) bed partner you’ve had in months, and the monsoon outside is actually starting to lull you back to sleep. So what’s going to keep you from repeatedly hitting the snooze button and subsequently infuriating your roommates and failing out of school?

The oh so delicious piece of man meat awaiting you at that 9 am roll call.

Now, there’s not going to be a prince charming lurking behind every door, but we came up with a class schedule that is sure to make the grade. Read More »

It’s easy to throw down your MasterCard and forget about how much your text books cost for the semester; it’s just as simple to open a tab at Happy Hour and let the Bud Light flow.  We all eventually realize, however, that college flies by in the blink of an eye, and before you know it, you’ll be on your own.

With the economy in peril, now is an especially good time to start keeping an eye on your credit score so you don’t find yourself denied when you try to open new bank accounts, get a new apartment, condo, or house, or reward yourself for landing your dream job by buying your first brand new car.  Maintaining a good credit score doesn’t have to be harder than next Tuesday’s cumulative Calc exam, though– here are five simple steps to stay on top of your financial game. Read More »

College is expensive. Really, really expensive. Even with scholarships and financial aid, most of us are left wondering how we are going to pull this off.

Of course, there are several ways to approach the issue:

1. We could go to Mom and Dad (assuming they could help in the first place, or that you want them to – this is a slippery slope to giving them more influence over our futures than some of us our comfortable with)

2. We could take out a loan (but that means lots of scary paper work, co-signers, and debt)

3. We could sell our virginity

3. We try out the newest trend: human capital contracts.

In my opinion the name sounds a lot scarier than it really is. It might just be me, but the words “human” and “contract” ooze creepiness and give me visions of living as a sex slave for the rest of my life. Fortunately for me, thats not the case here. Read More »

You might think Small Claims Court is only for trashy folks on Judge Judy, but when you’re a college student with little power, it can be easy for someone to blindside you by taking advantage of you (and your finances) when you least suspect it. That actually happened to me, when I was subletting from a psychopath who decided to change the locks on me one day and keep my entire rent check (it was the first week of the month when I was forced out) and my security deposit.

If I thought I was shocked when I was suddenly barred from my own home, I was even more surprised when I learned the ropes of actually going to small claims court. Why does this lesson fit into Money Matters? Because you actually have to spend quite a bit of money if you want to get what is owed to you in the long run.

In order to file your claim, you will need any articles of evidence pertaining to your case. Any contracts, agreements, or legal statements should be compiled and photocopied. Then you will have to pay a fee just to have your case processed. For me, I had to pay to get several of my documents photocopied, and then cut a check for $100 to the court just to proceed. $100 when I was already out over a grand. Still, at that point, it had become a pride issue, and I wasn’t going to let this snake take advantage of one more poor, naive girl.

Depending on the rules of your particular state, you may also have to pay for an officer to personally deliver the small claims summons to the other party. The problem with that is that the officer can only try the house so many times before all of your paperwork is returned to you, with a stamp that reads “Undeliverable.” So I had to try again. After the second set of docs was returned, I found my villain’s work address (ironically, he was a bank teller) and the po-po brought his small claims summons to the bank where he worked. Read More »

(Yes, we realize that babies are not college bloggers, but it was just so cute.

What up, ladies? It’s Tuesday, which means 2 things:

1. You got a lot to do before the weekend.

2. It’s College Blogger Shout Out day!

Yay! Just what you need to get you through those long days at the library. You can’t write 3 papers back to back with no breaks, can you? These sites are perfect for the time between the papers when you have to stop or your brain is going to melt/you are going to go crazy.

We found some great ones for you this week, so check em out and enjoy. Just don’t enjoy them too much; you still have a class or two to pass before break.

That’s So Fetch: Addicting, hilarious and the best way to avoid the stacks of notes on your desk.

Driving on the Sidewalk: A pop culture blog written by a hilarious and fabulous college coed. If we knew who she was, we’d make her be our friend on Facebook (and in real life).

Where Is Wall Street: Finance is boring, but not on this site. Money and all that jazz is all broken down for you in an interesting, entertaining and relateable way. Who knew economics would be so fun?

[College kids are notorious for being poor. And why shouldn’t we be? We take out student loans to pay for private universities, can barely balance a part-time job with our full-time courseload, and the only “balance” we’re familiar with refers to the number of points left on our dining hall cards. Oh, did I mention many of us tend to splurge every extra penny on PBR’s at the campus bar?

If you disagree with everything I just said, you probably don’t need this column. But if you’re nodding along because you’re officially an adult and still don’t know how to manage your money, then you might want to pay attention every week, because I’m going to (try to) get you through this, and make you a successful saver and a wise spender.]

With the economy so crappy these days, banks are jumping over each other to get to you. With deals like Rewards Checking, it’s hard not to be lured in. I mean, a percentage of cash back just for spending? It sounds too good to be true.

Because it probably is.

I’ve been bouncing between hoarding my money in a checking account or a savings account for some time. Do I want the interest, or the rewards? Chances are, you’ve had similar decisions to make. But what about these CD things that banks advertise? What are these all about? Read More »

[College kids are notorious for being poor. And why shouldn’t we be? We take out student loans to pay for private universities, can barely balance a part-time job with our full-time courseload, and the only “balance” we’re familiar with refers to the number of points left on our dining hall cards. Oh, did I mention many of us tend to splurge every extra penny on PBR’s at the campus bar?

If you disagree with everything I just said, you probably don’t need this column. But if you’re nodding along because you’re officially an adult and still don’t know how to manage your money, then you might want to pay attention every week, because I’m going to (try to) get you through this, and make you a successful saver and a wise spender.]

Last week, I discussed the pros and cons of both credit and debit cards. One risk I run when using my credit card is letting my spending get a little out of control. When you rack up a hefty credit card bill, you essentially lose money, because with every month that goes by that you haven’t managed to clear the balance, the more fees get tacked on to your current statement.

As college students, large bills can easily get out of control, and I know I have often felt like I was drowning in bill payments. After all, most of us can’t work full-time or even well-paying jobs, and if we have a huge exam or a paper on the horizon, we may force ourselves to cut back our hours, and likewise, our weekly income.

If you have hundreds (or even– eek! thousands) of dollars in credit card bills looming over your head, sometimes a credit card balance transfer (to a zero interest card) is just what the doctor ordered. But is it worth it, and should you do it? Read More »