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5 Ways to Check Into the Best Hotel Deals

Traveling is expensive: Americans spend $137 per night on average for hotel rooms alone, according to Hotels.com’s Hotel Price Index. Not to mention, there’s the cost of food, souvenirs and the transportation to get there. But if you’re overpaying for your hotel room, it’s really no one’s fault but your own.

With a little effort, ingenuity and tact, you can sneak into some great deals — even on holiday weekends. But you have to ask! Here’s how:

1. Don’t click — call. Before you book a room, call the hotel itself (the specific location, not the chain’s 800 number) during business hours and get an actual human on the line to see if the hotel will match or beat rates you’ve found online. You typically won’t have to pay in advance, and should an issue come up, you’ll have a real name to work with — not a third-party search site. Don’t like the rate they give you over the phone? Hang up (politely) and call again 12 hours later. You will likely get a different employee on a new shift who might be more amenable to helping you.

2. Know what you’re paying for. Some hotels charge a resort fee that might not be included in an online quote. Others charge for Wi-Fi, breakfast, the morning paper or use of the gym. If you’re staying in a city, parking can cost $35 or more a day. And if your family pet is joining you on your travels, many hotels charge a pet fee of $25 to $100, which can be total or per day. Ouch. To avoid unpleasant surprises, always ask about which fees are included and how much they’ll cost you.

3. Look for hidden gems. Smaller boutique hotels might not come up on search sites, since the hotels don’t want to pay the often pricey commissions to use them. So run a search directly through Google or TripAdvisor to track them down, then ask for a discount in honor of you supporting a local business over a large chain. You can also call the local business bureau for the area you’re visiting to get recommendations on smaller hotels, inns and B&Bs that might be flying under the radar. Be sure to ask if these smaller venues have any partnerships with local restaurants or attractions; many do, and you might snag more discounts!

4. Bundle, bundle, bundle. If you’re going on an extended trip, try to book your hotel, airfare and car rental as one. Often, large chains have deals with each other to offer steeper discounts if you book together. Plus, this way, all your reservations are in one place (and under one customer service number) should anything come up. Many major cities also offer weekend or weeklong passes to bundle attractions, such as museums, viewing platforms and walking tours. Pay one discounted price to see all the city has to offer.

5. Go big. In lieu of a hotel room, find a house or condo rental on Airbnb or VRBO. Because you’re dealing directly with the owner, you can sometimes get better deals for more space, especially if you’re traveling with a large group. This option also gives you a kitchen to cook meals in, which can help you to save big. You might even have access to bonus amenities such as laundry, a dishwasher and pool.

Pro-Tip: Get Your Status Matched

I’m not a big fan of credit cards in general, as I don’t believe in spending money you don’t have. However, they can be useful for building credit and securing points for gas, airlines and hotels. But how do you choose a rewards credit card to start building up a status? Well, you don’t need to.

Many hotels and brands will match your status with a competing hotel or brand once you have achieved it. Simply call customer service and ask about matching or “challenge” loyalty programs. They will likely ask you to scan or fax a document showing your status with their competitor as proof and then will boost you to the same level of status for their brand or property. Why? Because you’re clearly a loyal customer and frequent traveler, and they want to get in on your patronage, too!

More from U.S. News

11 Easy Ways to Slash Travel Costs

13 Tips for Sniffing Out the Best Deals on Hotel Rooms

10 Summer Savings Tips

5 Ways to Check Into the Best Hotel Deals 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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