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The Protection Paradox: Why Overprotective Parents May be Doing More Harm Than Good

When the doorbell rings at your house, is it a UPS delivery or neighborhood kids calling on their friends to come outside and play? According to a recent Canadian report, it’s most likely a delivery from Amazon.

The 2015 ParticipACTION Report Card of Physical Activity for Children and Youth takes a landmark position on active outdoor play revealing that kids are not playing enough outside, and when they do play outside they tend to be over-supervised by over-protective parents.

I’m sure it’s no surprise that outdoor play is healthy for kids. But wanting our kids to be safe outdoors, parents may over-supervise their outdoor play, or worse — keep them indoors. According to this report, this limits kids’ opportunities for physical activity, sets them up to be less resilient and negatively affects their long-term health. This is called the protection paradox.

According to the Report Card, with less than 10 percent of children and youth getting the 60 minutes of heart-pumping activity they need each day, we need to let kids go outside and simply be kids. Kids are more physically active when they play outside and have some freedom to wander unsupervised, independently test their abilities and take some risks. And figuring out how to solve conflicts with their friends, without parents and teachers constantly intervening, should be a requirement.

I’m sure we all agree our children’s safety is of the highest importance. But the report also argues that many of us have taken our kids’ safety too far. A common belief is that children are safer sitting on the couch and watching television and playing video games than actively playing outside.

In fact, many parents cite safety as a main reason for restricting the independent outdoor play of their children. According to the Department of Transportation, the percentage of elementary and middle schoolers who either walked or biked to school dropped from 48 to 13 percent between 1969 and 2009.

Not surprisingly, children whose parents perceive their neighborhoods as unsafe watch more television and participate in less physical activity. However, according to statistics cited in the ParticipACTION Report Card, the odds of total stranger abduction are about 1 in 14 million.

The solution is obvious, although difficult for many of today’s over-protective parents to deliver. It consists of simply standing back, exposing children and youth to more independent outdoor play and letting kids be kids.

Our youth need more active outdoor play, such as exploring the woods, climbing fences and playing neighborhood manhunt games — all with less adult supervision. And a few scrapes, dumps and bruises may be a good start. Let’s not make outdoor play extinct.

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The Protection Paradox: Why Overprotective Parents May be Doing More Harm Than Good 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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