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5 Reasons You Should Never Turn Down an Interview

Just when you think you could stay at your job for years, you’re assigned a new boss who you don’t respect. Or your team is restructured, and your job function changes. Or you’re laid off. Any of these things or a myriad of others could happen at any time without warning. Be ready for unexpected changes at work by keeping your career momentum going, even if you’re satisfied with your current job.

If you aren’t thrilled when you hear from a headhunter, don’t dismiss the opportunity offhand. While recruiters and headhunters can be hit or miss, it’s worth it to talk to them, even for a brief phone conversation. Ask a lot of questions to figure out if it’s an opportunity you should take into serious consideration. If a former co-worker refers you at her new company, and you get a call for an interview, say “yes!” Although you’re happy at work now, things could change at any time. You don’t want to regret your decision in the future. What’s the harm in taking an interview? There are many benefits:

1. No pressure. It’s easy to say “no thanks” when you feel positive about your job or if you just landed a new one. After all, you don’t feel the need to go out and find a new job. But that also means when you get a call for an interview from another employer, there is no pressure. You can go to the interview and not be concerned that you absolutely must get the job.

2. Practice. Since you don’t have the burden of needing to secure a new job, you can view this as a learning experience. It is not easy to promote yourself, and it takes a lot of practice to do it right without coming off as exceedingly arrogant. The more interviews you do, the more comfortable you become, because you know more about what to expect. It can only help prepare you for the next time you’re ready to go out and find a new job.

3. Network. Forget about recruiters, headhunters and employers for a moment. Any time you have a chance to meet a new person in a professional setting is an opportunity for a connection down the road. All new people you meet have their own networks, and once you become connected to someone new, you’ve significantly increased your prospective professional circle. Don’t limit your network. Instead, expand it whenever you have the chance.

4. Future prospects. If things go well when you meet your new contact, you’ve set yourself up for future communication. Perhaps you’ll find one day you need to reach out to the person to ask a question for your own work. Or perhaps you’ll want to know about job opportunities. On the flip side, maybe she will call you if a position that is a better fit for you opens up.

5. You just never know. This could be a real opportunity staring you in the face. While you might think it’s not a good time to interview or meet a headhunter, when is the right time? As soon as you figure out the answer to that, it may be too late. By that time, an opportunity may have passed you by. It’s easy to come up with excuses beyond that your work satisfaction. You may be very busy or going on vacation soon. Do your best to make time for it, because you really never know what could come out of it — a new business contact, friend or job, if the circumstances are right.

The best part about being in this situation is you’ve expended minimal to no effort on your part. You’ve been sought out. That’s something to be excited about and proud of, because it doesn’t happen often. So give it a chance. The worse that could happen is that you feel you wasted an hour, but what if it turns into something completely and pleasantly unexpected? If you don’t say “yes,” you will never know. You don’t want to live with that regret.

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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5 Reasons You Should Never Turn Down an Interview 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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