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Private tours no longer just for wealthy travelers

BETH J. HARPAZ
AP Travel Editor

NEW YORK (AP) — I had one night only in Medellin, Colombia. It was Christmas and I was determined to see the city’s famous holiday lights. An online search led me to LandVentureTravel.com, which specializes in private Medellin tours. By email, I booked a guide to meet my family at our hotel and take us to see the lights.

I found good reviews for the service on other websites, but felt nervous. What if the guide didn’t show? What if his driving was bad? What if the neighborhoods were scary?

But our guide was phenomenal. We not only loved the lights, but we genuinely connected with our guide about everything from the economy to politics. It was my first private tour, and it was a revelation — completely different from group tours with canned scripts and time wasted waiting for others to shop and use bathrooms.

Private tours are no longer the exclusive domain of wealthy travelers and high-end packages. Websites and social media have made it easy for travelers to book a personal guide. “There is a growing desire for this,” said Jamie Wong, founder of Vayable.com, one of the biggest sites connecting tourists with locals, offering 8,500 experiences in 800 cities. “We’re leaving the double-decker buses and prefab, packaged tours and entering an era of eclecticism where niche is becoming mainstream.”

Prices for personal tours are often but not always lower than group tours, ranging from $15 to hundreds of dollars, depending on location, duration and logistics. Tours4Tips charges nothing for walking tours of Santiago, Chile — participants pay what they wish at the end, with an average $12 tip. Our tour for four in Medellin was $140 — $35 per person, or half the price of a Christmas lights bus tour in New York.

Regardless of cost, personal tours are often more meaningful than packaged tours. You not only get a customized itinerary, but you get to meet a local. Robin Samora of Boston paid $100 each for four-hour tours in Budapest and Prague. “We loved that the tour was personalized, with what we liked to do,” she said. “We also had the ability to ask questions about any subject,” including what it was like to grow up under communism.

The hardest part is finding the tour of your dreams. Many travelers simply ask friends or use social media. Others search on blogs, TripAdvisor or Lonely Planet threads. Tours on Vayable and other sites — ToursByLocals, UrbanAdventures, Rent-A-Guide, Nomaders — tend to fall into obvious categories such as food, shopping, major attractions, history, art, architecture and outdoor adventures. But Vayable also lets users request a custom itinerary, which local guides then bid on.

Elisse Goldstein-Clark, who owns the Elkhorn Inn in Eckman, West Virginia, “was Googling to find foodie things to do in Rome — there are lots of foodie tours there. But I started reading about truffle-hunting with a guide in Le Marche in rural Italy, and we changed our trip so we could go truffle-hunting.” She and her husband spent several hours on a bus getting there, but it ended up being “a foodie once-in-a-lifetime experience.”

Jeremy Hanson, a New Yorker who just graduated from law school, often finds guides through local travel agencies in the place he’s visiting. “These types of guides don’t have the infrastructure to man the phone and put up a website,” he explained. In Nicaragua, he found a guide for a volcano hike “essentially just by walking up and down the street and speaking to people in my broken Spanish.”

The only downside? Sometimes guides are too devoted. “We had one in Malacca, Malaysia, who wanted to show us every little detail,” he recalled with a laugh. “We tried to say, ‘We have to go to the bathroom, we have to go to eat.’ He said, ‘I’ll give you 15 minutes and then we’ll start the second half.'”

Vanessa Giacoppo of Hoboken, New Jersey, took a private photography tour in Iceland for $400 that included door-to-door transportation, as many private tours do. The guide drove her and her fiancé to waterfalls and other hard-to-reach sites, and coached them on taking photos that were so good, she blew one up to a 3-by-7-foot canvas. “In terms of the price, you do everything when you travel for the experience,” she said. “When were we going back to Iceland? We wanted to be able to capture that moment.”

Karmina Zafiro of San Francisco booked two private tours in Taiwan, one for food through Vayable and one to see Taroko Gorge, found through TripAdvisor. “After both tours, I felt like I’d made local friends. You made that personal connection. They weren’t selling me anything. But they imparted that local flavor.”

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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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