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How Apple is Bringing Health Care to Your Smartphone

With its recent reveal of HealthKit and the iWatch, Apple is poised to give the more than 63 million iPhone users in the U.S. the ability to integrate their phone seamlessly with a variety of apps and devices to track calories, steps, sleep and other health stats, providing a full picture of health to a huge segment of the population — a move that health and technology experts say could help encourage people to eat better and lose weight.

HealthKit, labeled simply as Health on your phone’s screen, works as a hub for all your fitness apps. HealthKit won’t generate data itself, but instead gives users the ability to see all the data various apps and devices collect about their health in one space, which allows various fitness apps to work together for the first time. “Easy and secure access to personal health information is a goal we should be striving for,” says Ritu Agarwal, professor and Robert H. Smith Dean’s Chair of Information Systems at the University of Maryland. “HealthKit is the only repository that is able to consolidate personal health data from a variety of different apps to provide a holistic view of the individual and is a critical first step toward patient engagement in health and wellness.”

[Read: How to Turn Your Phone Into the Ultimate Weight-Loss Tool.]

HealthKit was made available in Apple’s iOS 8 update, though bugs, which Apple says will be fixed shortly, have precluded users from giving it a test drive. Nevertheless, the promise of the app has doctors excited. “HealthKit allows developers to focus on putting the information into something that is easy to digest and something consumers can use to change their behaviors,” says William Morris, associate chief medical information officer at Cleveland Clinic.

HealthKit is expected to be compatible with the iWatch, which is Apple’s first foray into the wearable tech field The iWatch will be available early next year, and not only does it allow you to receive notifications and ask Siri for directions to the nearest sushi restaurant right from your wrist, but it also comes with the ability to track your steps, calories, distance, heart rate and everything else a fitness tracker enables you to do. “The iWatch is one of the new breeds of technology that has the potential to truly revolutionize health care,” Agarwal says. “It’s likely to be beneficial for someone motivated to lose weight, and to the degree that you can share this information in real time with friends, it can potentially introduce a social and gaming component that could increase motivation and commitment to weight-loss goals.”

[Read: Making the Most of Your Fitbit.]

Since the iWatch is not yet available, it’s unclear how well its fitness capabilities stack up with other trackers, such as the FitBit or Jawbone. However, Agarwal says as long as it helps people be more aware of their physical activity, the iWatch will be an effective tool for helping people get in shape. “Information is the first step in a complex chain of behavior change,” she says. “Awareness is necessary to drive motivation. You cannot fix a problem if you don’t know that one exists.”

Besides the iWatch, companies like Dexcom, which makes continuous glucose monitors to help diabetics control their blood sugar, are working on ways to integrate HealthKit into their products. For example, patients could use Dexcom’s system with their phone and a FitBit to track their levels over time and gauge how medication, food, exercise and other factors work together to influence their blood sugar. “Data from Dexcom’s system could be hugely valuable, provided that there is guidance about what to do with the information,” says David Kerr, director of research and innovation at the William Sansum Diabetes Center in California. “The big low-hanging fruit on this one is helping people exercise more often and safely avoid big swings in their glucose levels afterwards.”

[Read: Living With Type 1 Diabetes — a Forgotten Disease.]

But as impressive as these technologies are, HealthKit and the iWatch can’t force users to make a change, Morris points out. “These are exciting, but they’re just tools,” he says. “Our job as doctors is to figure out how to encourage patients to take advantage of them.”

The best way to do that, Agarwal says, is to seamlessly incorporate the tools into patients’ lives by using them to solve their problems. “A rich repository of health information should reduce many other challenges associated with individuals’ management of their health,” she says, “such as remembering what prescription meds they are on or the last time a blood test was performed and what the results are.”

As developers figure out new ways to take advantage of these novel technologies, the sky’s the limit for what consumers will be able to do with them, Morris says, and it’s likely they will be used to solve problems we never knew we had. “The exciting thing isn’t the tool,” he says, “but what you can do with it.”

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How Apple is Bringing Health Care to Your Smartphone 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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