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‘Midlife Bliss:’ Can the Midlife Crisis Be Averted?

John Friary was always a good science and math student. Throughout his childhood and adolescence, he thought about going into medicine, but working with sick people seemed too stressful, so he became a biostatistician instead. That was a good fit — for a while. His math skills were put to the test, and he felt like he was helping the community at large.

But once Friary was well into his 30s, the now 44-year-old started craving the precise type of contact with patients that he had avoided at a younger age. “Things were coming together in my life where I was better equipped to handle the emotional stress,” Friary says. Friends of his had gone to medical school, and he’d had some experience working with animals at a veterinary school. So when Friary applied to medical school at age 40, he had some idea of what he was getting himself into.

Was it a midlife crisis that prompted Friary’s leap of faith into the career he’d book-shelved? Not really, he says. Instead, he describes the transition as the coming together of his life goals and the realization of an inner growth spurt.

“I wanted more direct contact with people,” he says. “I wanted to help as many people as much as I can.”

Friary’s story is not unusual in at least one sense: People pursuing second careers around midlife tend to seek more altruistic pursuits.

“We start to see the world shift,” says Kerry Hannon, a District of Columbia-based journalist and author and an expert in career transitions. “It’s not just about your personal happiness but [it becomes about] giving back.”

Some people have faced personal losses and are confronting their own mortality and making changes based on that, too, Hannon adds. “I’m 53 and all of a sudden, my friends are getting cancer. This used to happen to my parents’ friends,” she says. “It makes us do an MRI of ourselves. You say to yourself, ‘I want to get out of bed to really do something.'”

[Read: 4 Ways to Age With Gusto.]

Turning a Rut Into Joy: Midlife Bliss

For many people, this turning point does start from a real feeling of crisis. Inertia sets in at the workplace, and you’re fired from your job, or you lose it, or your marriage falls apart. Whatever the case, some trigger of loss usually leads you down a path of renewal. “Once you hit that point, there’s a sense of excitement,” Hannon says. “You think, ‘I’m only 58, but I could do something else for the next 15 to 20 years. [My job] doesn’t have to be just a placeholder. I can really dig my teeth into it.'”

Friary, who is now in his first year of medical school at the University of Florida, also thought that rather than stay a research scientist, “I’d rather be a doctor for 25 years.” That he is studying with people whose medical careers will span twice his own does not bother him. In fact, with age comes a certain wisdom that is turning out to be useful, Friary says. “The professors encourage us to try everything. But at 44, I know that I don’t want to be in the ER or perform surgery.” He intends to pursue endocrinology and expects to start practicing medicine around age 50.

Saskia Jennings, a midlife coach and motivational speaker based in Canada, coined the term “midlife bliss” to describe her own process of getting back to the bliss she knew as a child. “I grew up in a very positive family, but I lost it all,” Jennings says. At age 40, the Dutch native lost her job in the Netherlands, then moved to Canada and married a man whom she divorced a few years later. “I knew that I was totally neglecting myself,” she says. “I found myself in a big black hole. On Jan. 1, I said, ‘What is this? Let’s get back to bliss.'” That was a few years ago, and she has since expanded her coaching business to focus on helping women out of their midlife ruts and get on track for positive change.

She focuses on women, not only because she can most relate to them, but also because they tend to neglect themselves, she says. “Women rarely put themselves first. We never take the time to discover who we are.”

“What I hear often is, ‘I don’t have the time or money.’ There’s such an underlying fear of change, but the magic happens when you are pushed outside your comfort zone,” she says.

Jennings has helped facilitate that process for hundreds of women. Women start businesses, go back to school or leave unhealthy relationships. Whatever the outcome, what ultimately changes is their own view of themselves, she says, and that is the catalyst for other changes: “Their confidence goes up, and they trust in themselves,” she says.

[Read: How to Tell If You’re Having a Panic Attack — and What to Do.]

Tips for Embracing Midlife Change

The dictionary definition of midlife crisis is “emotional turmoil characterized by a strong desire for change.”

When it strikes is unpredictable, but traditionally around age 40 or 45, give or take a few years. But the “crisis” doesn’t have to linger; it can be the momentary jumping off point for a more fulfilling life. Hannon says there are some things that people, job-changers especially, can do to better prepare themselves to have a happy transition.

Take baby steps. If you think you want to be a chocolatier, “go make chocolate,” Hannon says. “If you go and do the job, you realize it might not be that romantic.” Or if you think you want to go do something big, like medical school, take an anatomy class before you invest the time and money the career would require. Friary, who is married, adds that having a settled personal life and an understanding partner are also key to making such an all-consuming change.

Be nimble. “Flexibility is the key to finding that bliss,” Hannon says. “Stay open because it’s not like your first career where you just do that.” You may have to juggle several jobs to pay the bills, or reroute if things don’t work out as planned. When Hannon went back to talk to the people she had interviewed for her book, “What’s Next? Follow Your Passion and Find Your Dream Job,” one-third of the people who had started businesses ended up selling them.

Be real. Your life change doesn’t have to be about saving the world as much as your own soul. “One guy ran away with the circus” that was also a nonprofit, Hannon says. “He felt like a little kid under the big top every night.” Sometimes the zap of fulfillment you need can come from volunteer work, too, she adds.

Get fit. The key to successful midlife change is enthusiasm, Hannon says. “I tell people to be spiritually fit, financially fit and physically fit,” she says. That last piece often gets overlooked, she continues, but is critical to exuding a natural source of positive energy. “Any time you make a life shift, it’s stressful, and you need everything to do it,” Hannon says. “If you’re going to start a B&B or a nonprofit, that requires a lot of energy.”

[Read: How Trauma Can Help You Grow.]

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‘Midlife Bliss:’ Can the Midlife Crisis Be Averted? 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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