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What’s the Best Résumé Format for You?

Not all résumés are created equal — and they shouldn’t be. There are different formats out there that are accepted by recruiters. Consider your professional history carefully before deciding which one to use. Use the guide below to decide if you are using the right type of résumé for your background and career goals.

Chronological Format. The traditional chronological résumé presents employment history from the perspective of time. This is the format to use if you have a consistent employment history without gaps, and you are trying to land a job similar to the one you have now. You can’t go wrong with a chronological résumé, since it’s the most common and widely accepted.

If you have a short period when you were a stay-at-home parent or went to graduate school, you should include that in the résumé rather than leaving a gap. Holes mean questions, and if the questions aren’t answered on the paper, it’s unlikely the recruiter will take the time to call you for an interview to find out why you weren’t working during a certain period. If you held many jobs for a short period and are worried about perceptions, you might consider including a brief and diplomatic explanation for why you left each company.

Functional Format. If you have a minimal work history, gaps in employment or have frequently jumped around to different jobs types, this might be the right layout for you. It also works well for career changers. The functional format is set up to demonstrate your skills through your accomplishments. For example, if you’ve employed customer service skills at several jobs, you can use this as one of your skill headlines. Below the headline, include bullets that point to your key achievements related to that skill. It’s important to not use cliche phrases in your bullets, because your intention should be to show how you’ve exhibited the skill rather than tell.

You should also include a professional or work experience section, in which you list your place of employment, job title, location and dates. However, bullets with your achievements will fall under each skill headline at the top rather than below each job.

Combined Format. The combined format can be useful for those who are switching careers, especially those in more senior positions or with longer career histories. As the name suggests, it is a blend of the functional and chronological résumé. This format allows you to translate your skills to the language of the new job or career field. You want to focus the recruiter’s attention on your skills relevant to the job at hand.

Below the skills and accomplishments, as with the functional résumé, you should include a professional experience portion where you list basic information for current and prior jobs. With this format, you can also include bullets below each position that reflect achievements that didn’t fit in to a specific skill category above. Even if you are a senior executive, you should still avoid including every single piece of information. Only use the most pertinent facts to keep it concise and readable.

Visual Résumés. Nontraditional résumés have become popular recently. These types of résumés use graphics and other media to present information about the job applicant. While this is a way to stand out from the candidate crowd, many companies still want to see a traditional résumé. A story résumé might make sense for a person in a creative field, such as advertising, social media or communications — but probably not for an attorney. It’s worth researching a company’s culture before you send your résumé, and it’s always a good idea to include a traditional version.

No matter which format you choose, make sure you include your name and how to get in contact with you. Education is another must. Other information, such as professional affiliations, volunteer work, languages and technical skills should be included if they are appropriate for the job you’re applying to. That information can also be helpful if you need to fill out your résumé more, like if you are an entry-level candidate.

In all cases, you should think about including a brief career summary at the top. This should be restricted to a few lines that tell the recruiter you fulfill the required (and possibly preferred) qualifications. The way to do this is to write how you meet the most essential credentials, which are usually listed first in a job description.

Choosing the right format is important, because your résumé is your chance to get your foot in the door. The traditional format might be hurting rather than helping you. If the person reading it cannot understand why you are applying to a job in the retail industry after spending 10 years in accounting, she is not going to take the time to reach out to you to find out why. Make sure it’s clear in your résumé why you are a good fit, which may require highlighting your skills up front instead of burying accomplishments under each job.

Marcelle Yeager is the president of Career Valet, which delivers personalized career navigation services. Her goal is to enable people to recognize skills and job possibilities they didn’t know they had to make a career change or progress in their current career. She worked for more than 10 years as a strategic communications consultant, including four years overseas. Marcelle holds an MBA from the University of Maryland.

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What’s the Best Résumé Format for You? originally appeared on usnews.com

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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