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Could That Weight-Loss Supplement Land You in the ER?

Is your weight-loss supplement going to send you to the emergency room?

It could be, according to a new study published in The New England Journal of Medicine. In this study, researchers from federal agencies, such as the Centers for Disease Control and Prevention and the Food and Drug Administration, estimated that 23,000 trips to a hospital emergency room annually are due to folks taking dietary supplements. The researchers reviewed 10 years of data obtained from more than 60 hospitals, which comprised a nationally represented sampling of emergency departments in the United States.

While some of the visits were due to the unsupervised swallowing of the supplements by children and choking issues by older adults, the biggest culprit in landing these folks in the ER was the use of weight-loss products. The most common adverse effect that consumers of these products experienced were heart issues, such as palpitations, chest pains and a rapid heartbeat. If that isn’t scary enough, the majority of these folks on the ER gurney were young adults, age 22 to 34 years old.

According to the Federal Trade Commission’s website, “FDA has discovered hundreds of dietary supplements containing drugs or other chemicals, often in products for weight loss and bodybuilding. These extras generally aren’t listed on the label — and might even be sold with false and misleading claims like 100 percent natural and safe.”

The FTC warns against falling prey for these seven weight-loss gimmicks that sound too good to be true:

Lose weight without diet or exercise!

Nothing in life is free. Pass on any product that promises miraculous results with little effort on your part.

Lose weight no matter how much you eat of your favorite foods!

When was the last time you were ever able to eat unlimited amounts of high-calorie foods and lose weight? When it comes to losing weight, you can’t have your cake and eat it, too.

Lose weight permanently! Never diet again!

Weight loss is never permanent if you regress back to your unhealthy eating habits and couch-potato lifestyle. If there isn’t a discussion of long-term lifestyle changes, you are being duped.

Just take a pill!

There isn’t a magic pill that will let you off the hook if you don’t also reduce your calorie intake and get off the couch.

Lose 30 pounds in 30 days!

If the advertisement guarantees speedy results, it’s guaranteed to be a fad diet that is likely to be untrue, unhealthy and unsafe. Losing weight at the rate of a pound or less weekly is the safest and most realistic rate that you should expect.

Lose weight with our miracle diet patch or cream!

There isn’t a patch or cream on this earth that you can apply topically that will melt fat away on or in your body.

Everybody will lose weight!

There isn’t one perfect weight-loss diet. Rather, you should meet with a registered dietitian nutritionist for a personalized, individually tailored weight-loss plan that is based on science and designed to meet your health and lifestyle needs. Depending on your medical history, the costs may even be covered by your insurance company. (Check with your insurance policy to see if this service is covered.)

Don’t let your battle of the bulge land you in your local ER. Recognize that losing weight is a good goal for many of us, but the use of a dietary supplement cannot safely get you there by itself.

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Could That Weight-Loss Supplement Land You in the ER? 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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