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The Questions Cancer Survivors Don’t Ask Doctors

The following is a composite patient based on the experiences of cancer survivors. Though not an actual patient, the issues described are real and relevant to many survivors:

Today is an important day for Jane — it’s her “first birthday,” marking one year since completing cancer treatment. When she walked into the cancer center lobby, the receptionist welcomed her with a big smile and a hug. Jane could see genuine joy in the receptionist’s eyes. “I love your hair, Jane,” she told her.

“I am going to keep it short,” Jane said, gently touching strands of her hair as if they were delicate flower petals that might fall off if she wasn’t careful. She had heard compliments about her hair many times since the completion of her chemotherapy.

Jane could not believe it had been more than 18 months since she was diagnosed with breast cancer. Painful memories of the diagnosis, surgery, chemotherapy and radiation were still very fresh in her mind. She wasn’t sure how much her husband connected with her struggles, even though he tried his best to be supportive.

Even today, Jane is not completely back to where she was. She continued to work, through treatment, while caring for her children. But she forgets things and is challenged to find the words to express herself. She feels like she is no longer as sharp as her colleagues, causing significant anxiety and depression. Even though her energy level is improving, by the end of each day she feels like she is completely drained and exhausted.

While she isn’t yet 40 years old, Jane’s periods stopped after the treatment. Last week, when she saw her gynecologist, she talked about her severe vaginal dryness and hot flashes. She suspects the combination of fatigue, irritability, vaginal dryness and lack of sexual drive is straining her marriage.

When her oncologist walked into the room, Jane wanted to hear only one thing — that she has no signs of cancer. She did not want to tell the doctor about her daily struggle. Her mind was preoccupied with the patients who were sitting in the room, fighting to be alive and needing the doctor more than she did.

“I’m fine,” she told the doctor, “doing well.” She was in a hurry to get out of the cancer center clinic.

Jane is not alone in the challenges she faces; many cancer survivors struggle with the same side effects. The intensity, extent, duration and emotional toll of it all are real for many patients like Jane.

As cancer doctors, we could be more proactive in addressing these issues that patients are sometimes reluctant to bring up. They may think they’re alone in battling long-term effects, which could include:

— Memory problems

— Anxiety and depression

— Fatigue

— Lack of sexual drive and vaginal dryness

— Relationship issues

— Peripheral neuropathy

— Hot flashes

Many face these issues, and we are finding ways to improve our ability to detect the difficult effects that survivors experience, and counsel them on how to cope. Many hospitals are implementing survivorship clinics focused on addressing these long-term challenges, as per the Institute of Medicine and National Institutes of Health recommendations.

Patients are encouraged to voice their concerns, including those they might be reluctant to discuss with their doctor.

Support groups, regular exercise, rehab techniques and physical therapy, along with traditional clinical care, are becoming common “prescriptions” doctors are writing for an increasing number of cancer survivors. We owe it to all those who have conquered cancer to dedicate attention to their struggles, which continue even after the cancer is gone.

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The Questions Cancer Survivors Don’t Ask Doctors 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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