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How to Buy Sustainable and Healthy Fish

It’s no secret that eating fish can be beneficial to your health. Research has shown that regular consumption of omega-3 fatty acids is linked to decreased inflammation and overall disease prevention, including a reduced risk of cancer. Including fish in your diet is associated with a decreased risk of heart disease as well. Yet, there seems to be an array of questions revolving around fish consumption, which can be quite confusing. Should you consume wild or farmed fish? Should you be concerned about contamination and mercury levels? There is even concern about sustainability, overfishing and environmental impact. Considering the confusion surrounding fish consumption, here is some information to help you get your facts straight so you can make the decisions that are right for you:

Get to know the source. Whether fish is wild or farmed, knowing its origin is the first step to understanding if it’s abundant, sustainable and healthy. The Monterey Bay Aquarium Seafood Watch is a great resource for finding sustainable seafood choices. While their main goal is to protect the oceans and the life that lives within, they have your health in mind as well. There is an app available as a go-to resource and a list of sustainable, low-mercury healthy fish options. The site is updated regularly so the information is current.

[Read: 8 Easy Ways to Load Up on Healthy Omega-3 Fats .]

Buy local. This well-known concept with produce and livestock also applies to fish. Local fish is more environmentally friendly, as energy-extensive shipping is taken out of the equation. Seafood Watch offers a consumer guide for choosing sustainable fish choices by state as well. Local fish varieties may not be as familiar as those at the grocery store but they may be less expensive, more abundant and rich in good-for-you nutrients.

Understand sustainable fishing. When it comes to sustainability, there are pros and cons associated with both farmed and wild-caught fish. Fish farms provide half the seafood eaten in the U.S. Considering the increased demand for fresh fish, farming fish is one way to alleviate the overfishing of wild-caught fish. Wild fish are often caught using large nets, which can damage the ocean floor and catch unintended (and often wasted) species called bi-catch. These practices can be detrimental to the environment and fish population. Yet, pollution and disease associated with aquaculture or fish-farming also negatively affects the environment and can damage the wild fish population. Small, wild-caught fish are being caught in massive quantities to feed farm fish, which is contributing to the depletion of certain wild fish populations. To learn more, visit the Monterey Bay Aquarium Seafood Watch site, which has guides for finding fish that is sustainably farmed and/or harvested in the wild. Take home tip: If you buy wild or farmed fish, make sure it is sustainable.

[Read: What You Need to Know About Fat, Fish and Salt .]

The question of nutrient density. One of the reasons we consume fish is for the omega-3 fatty acids. The diets of farm-raised fish are often supplemented with the goal of matching the nutrient density and omega-3 levels of wild-caught fish. In the case of wild versus farmed salmon, research in The American Journal of Clinical Nutrition stated that farmed salmon contain around two times fewer omega-3s, even though it contains more fat than wild salmon. Wild salmon has been shown to have a healthier ratio of Omega-6s to Omega-3a. This is likely due to dietary differences. Farmed fish, including salmon, are often fed a diet that’s supplemented with corn and soy to decrease costs. Conversely, there have been studies showing farmed fish can match the nutrient density of their wild counterparts, but it’s hard to know what you’re getting. In the case of salmon, there is also concern related to the “color added” phase on the farm-raised fish tag. What does it mean? Wild fish get their reddish/pink color from astaxanthin, a cartenoid with impressive antioxidant properties. Astaxanthin is produced by plants and algae and consumed by salmon through its natural diet, which often includes aquatic plants, shrimp and krill. A farm-raised fish’s diet is supplemented with Aatazanthin, usually synthetic, for color as without supplementation it would be an undesirable murky, gray color. Take home tip: Wild caught fish are naturally more nutrient dense than farm-raised fish.

[Read: 11 Best Fish: High in Omega-3s — and Environment-Friendly .]

Should you worry about toxins? Many scientist feel the benefits of eating fish outweighs the associated health risks, but it’s better to understand the concerns. There are certain toxins, like PCBs (polychlorinated biphenyls), methylmercury, and others that are present in all fish, and there are ways you can minimize the amounts you consume. The United States Environmental Protection Agency has resources available on mercury levels in fish which, in short, recommend avoiding shark, swordfish, tilefish and king mackerel, as they have higher mercury levels. Shrimp, canned light tuna (as opposed to albacore, which is higher in mercury), salmon, pollock and catfish are among the common, low-mercury species that are safe for regular consumption. Environmental pollutants can occur in the wild, though they’re more prevalent in fish farms considering the high amounts of fish waste, close quarters, antibiotic use and varying types of fish feed — all which can add to toxin levels. Choose wild-caught fish harvested from clean waters or farmed fish that are grown in a clean environment, fed a clean diet and not treated with antibiotics. Cleanfish is a food resource for finding fish farms that are using improved practices.

In conclusion, though there are pros and cons associated with both farmed and wild fish, the many benefits of including fish in your diet remain true.

[Read: How to Choose a Fish Oil Supplement .]

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How to Buy Sustainable and Healthy Fish 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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