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Online last wishes: What to do with your Facebook profile

Megan Cloherty, wtop.com

WASHINGTON – Most internet-savvy adults now have to consider their final wishes when it comes to their online profiles.

States across the country are considering legislation that would determine who has the right to access and close a social media profile after its owner has died.

Some major social networks do not have the option for users’ families to delete their profiles once they’ve died.

Managing an online profile may seem a trivial detail compared to what a family has to go through after losing a loved one. But social media experts say profiles that live on can make coping with a loss more complicated.

When Christine Frietchen lost her friend Max, she says seeing his smile on Facebook was nice, but after a while, it became a sad reminder.

“At first it could be a really lovely memorial, but after six months, a year, 2 years, it might get uncomfortable,” Frietchen says. “It might even make it hard for someone to move on.”

Frietchen, the editor and chief of ConsumerSearch.com, looked into what policies social media sites have in place when it comes to deceased user rights.

Deceased User Profile Policies

Facebook: Frietchen says they have the best established death policy. “They actually have a death policy on their site. It’s not hard to find. They will memorialize the account, new people can’t friend it and you can’t find it in searches.” Facebook will take down profiles if the request is made from an authorized person, most likely determined through the user’s will.

Twitter: Frietchen says Twitter makes it possible to deactivate accounts of deceased users. There is still a lot of paperwork involved. Family or spouses “must provide notarized form and copies of things.”

LinkedIn: The site makes it relatively easy to delete profiles of deceased users. “Family will need a copy of the death certificate,” Frietchen says.

Google Plus: By far the worst when it comes to deceased user rights. “Google plus has no idea what it’s doing. They don’t have a policy at all right now.”

What to consider

Like any account, users have to decide how they want to leave access to their personal information. One option is to consider leaving updated user names and passwords along with a will in a safe deposit box or in a trusted location. But before you write everything down, Frietchen cautions users to consider their privacy.

“Facebook can be quite personal. You have to decide if you want someone to have access to that kind of information. Assuming you don’t have issues like that, you should update your user name and password information with your will and secure information,” she says.

Some states are working on legislation to establish who has rightful access to the deceased’s personal online profiles. It is tricky, Frietchen says, because of the number of privacy and fraud concerns related to the issue.

Oklahoma is the first state to pass a law making social media accounts part of the estate, according to Frietchen. Until more legislation simplifies the process, it is up to the user to plan for their death.

“The best recommendation right now is to leave some clear written instructions behind,” Frietchen says. “Leave clear authorization for who you want to access your information and give them the ability to do that. That will simplify things down the road, if you really don’t want your social accounts to live on after you don’t.”

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(Copyright 2012 by WTOP. All Rights Reserved.)

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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