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Hair Loss: Not Just a Man’s Issue

When Thea Chassin lived in Los Angeles, she liked to treat herself to great haircuts in Beverly Hills. So when she moved to upstate New York in 1992, her hair style took a hit. “I said, ‘Oh my Lord, I’ve gone back in time like 20 years,'” she says. “The 80s color palette in LA had come and gone, and it was just arriving in Albany.”

It wasn’t until Chassin moved with her family to Westchester County outside New York City four years later that she looked in a three-way mirror and realized the real problem was her thinning hair. “I said, ‘ This is why I can’t style my hair anymore,'” she recalls. “I hadn’t seen what was really going on all the way around.”

Chassin, who’s over 50 years old (she requested to keep her age private), is one of about 6.6 million people in the United States with alopecia areata, an autoimmune skin condition that causes hair loss on the body and head, according to the National Alopecia Areata Foundation.

However, androgenetic alopecia, or female pattern hair loss — the woman’s equivalent to male pattern baldness — is much more common than alopecia areata, affecting about one-third of women who are genetically predisposed to it, according to the American Osteopathic College of Dermatology.

Such conditions can be especially devastating for women, who have fewer viable treatment options and face more social stigma.

“Male pattern hair loss is something that is much more at the forefront of the societal conscious, but for women, it’s a harder thing to deal with,” says Nicole Rogers, a dermatologist at Hair Restoration of the South in Metairie, Louisiana. “A lot of times, women don’t feel comfortable talking about it, they don’t feel comfortable asking their doctors about it, they don’t always get a correct diagnosis.”

That’s why Chassin launched Bald Girls Do Lunch, a nonprofit that provides women with alopecia areata and other types of hair loss with support and accurate information.

“We want to live our own life and not let [hair loss] keep us from doing things,” Chassin says. “Women stop swimming, women stop playing tennis, women stop going on a bike. Why? Because they haven’t figured out how to do it and be comfortable.”

The Long and Winding Road

Chassin first learned she had alopecia areata in 1978 when a hairdresser spotted a bald spot on the back of her head. The condition is characterized by small, round patches of hair loss that come and go unpredictably. At the time, Chassin treated it with cortisone injections — a common short-term treatment for isolated patches — and didn’t think about it again until that moment looking at the three-way mirror. She’s since lost all her head, face and body hair.

For many women with hair loss, however, the path to a diagnosis is more complicated. “I always call it the long and winding road … because there are so many different causes of hair loss in women,” Rogers says. “A lot of times, it’s finding a needle in a hay stack.”

In addition to autoimmune conditions like alopecia areata and run-of-the-mill hair loss related to genetics, female hair loss can be triggered by childbirth, extreme stress, fad diets and going on and off hormonal birth control. Sometimes, these and other lifestyle changes prompt more hair follicles than normal to go into a resting state, in which the loss is called telogen effluvium — a temporary and reversible condition.

Other times, hair loss is a sign of a nutritional deficiency or reaction to hair products. It can also be a symptom of rheumatic conditions like lupus, androgen disorders like polycystic ovaryian syndrome or endocrine conditions like thyroid disease, says Rhoda Cobin,a clinical professor in the endocrinology division at Mount Sinai Hospital.

But for most women, female pattern hair loss is the culprit, though they often cycle through slews of medical providers before realizing it. “The majority of time for women with female pattern thinning, their thyroid is OK, their hormones are OK, their stress is OK — it’s just that it’s in their genes,” Rogers says.

Even in that case, time is of the essence since treatment can help slow the condition’s progression. “The sooner they can get … an accurate diagnosis,” Rogers says, “the better they’re going to be.”

Treatment Options

When women wind up in Rogers’ office, they’re often in tears. “The emotional aspect is a very big deal,” she says. “I can’t tell you how many times I pull out the tissue box when I’m treating female pattern hair loss.”

Many women are so distraught because they believe there’s nothing to do be done. To some extent, that’s true, says Spencer Kobren, founder and president of the American Hair Loss Association and author of “The Truth About Women’s Hair Loss.” “There are a lot of limitations when it comes to treating female pattern hair loss,” he says.

Rogaine, for instance, is the only hair loss treatment for women approved by the Food and Drug Administration, and it acts more like a Band-Aid than a long-term solution, he says. On the upside, a new formula was recently approved that requires one, rather than two, applications a day. “I think it’s a major step forward just to increase compliance,” Rogers says.

Low-level light therapy, hair transplant surgery and off-label drugs are also options, but not particularly effective or well-studied ones for women, Kobren says.

In Kobren’s view, the most promising option involves infusing growth factors from patients’ own platelets to their scalps to help regenerate hair. While the process is currently considered experimental and not covered by health insurance, it has no known adverse side effects and its success rate is about 80 percent at the Greco Medical Group in Sarasota, Florida, says Joseph Greco, a hair transplant specialist and physician assistant who pioneered the treatment in 2007.

“We are seeing more and more females with hair loss, but now we have more solutions, and we have more safe treatments in our bag,” he says. “I really feel that the future is treating patients with their own cells because it’s safe and it’s effective and it’s the most versatile thing in medicine today.”

For women like Chassin who have autoimmune-related hair loss, the options are slimmer. Some choose to try experimental drugs; others opt for wigs. Chassin rotates between stylish hats and scarves, clip-on hair pieces and bold baldness.

“It comes down to when you yourself can just say, ‘You know? I’m still me.'”

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Hair Loss: Not Just a Man’s Issue 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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