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Keeping Communication Lines Open in a Health Crisis

When you’re in the midst of a personal or family health crisis, so much happens at once. Between making decisions, absorbing medical twists and turns, and just trying to stay calm, it’s hard to keep everyone you care about updated and informed. One way is to connect through online health tools that allow you to communicate with a chosen community. A popular option is CaringBridge, a website for quickly sharing information while sparing you a barrage of texts, emails and phone calls. It offers loved ones an outlet for showing support and encouragement. On a practical level, calendar and other functions help users coordinate care — and let family, friends and neighbors organize and pitch in with day-to-day tasks.

Family Journey

Natalie Bushaw, of Inver Grove Heights, Minnesota, is a CaringBridge veteran, along with her husband Ben. In 2003, she was admitted to the hospital for a difficult pregnancy, in advance of the birth of twin boys already diagnosed with severe medical problems. Logan was born with a heart defect, and Owen with a bowel obstruction. Recently, the family learned that Logan, now 12, needs a heart transplant within the next year.

“We knew before the boys were going to be born that they had a whole bunch of stuff,” Bushaw says. A nurse told the couple about a website for sharing information with family. “I was busy in the hospital but I had some time on my hands, so I went to CaringBridge and set up our page.”

Over the years, that page has turned into a running history of the family’s health journey. Posting updates is helpful in itself, Bushaw finds. “It gives you almost a sense of relief or calm, just documenting things,” she says. “And then there have been times when I’ve been really frustrated, or I wasn’t happy with the process, or I didn’t like some of the news that I was getting. So to be able to type it was cathartic in a way — either for good reasons or not-so-good reasons.”

At certain points, the family needed to reach out more than ever. “After Logan’s open-heart surgery, doctors said to us, ‘Now’s the time that you need to call your parents. We’re not sure he’s going to make it through this,'” she recalls. “And at that time, we didn’t have iPhones, so I would go to my laptop. That’s the only place I wanted to go, to CaringBridge to post, so people knew the situation we were in; so they could just be there and support us and pray for us.”

During stable times, Bushaw updates less frequently, but not without some pushback. Her parents tell her, “People want to know that the boys are OK, so can you at least post something?”

Easing the Burden

Sona Mehring, founder and CEO of CaringBridge, created the website 18 years ago to help close friends with a premature baby who was critically ill. “They had a huge group of friends and relatives all over the world, and the mom was in very serious condition as well,” she says. The couple asked Mehring to let people know what was going on. “After making just two phone calls, I realized there’s got to be a better way,” Mehring says. She used her expertise in webpage design to create a new website.

“It instantly eased the burden of telling that story,” Mehring says. “People were getting the right information at the right time.” What struck her most, she says, was “the unbelievable ability to bring that community together and activate [it] to connect the hearts behind the keyboards.”

CaringBridge grew “organically” from there, she says. Fast forward 18 years, and the nonprofit is staffed by nearly 40 people, keeping servers up and running 24/7 for users reaching nearly 36 million last year alone.

Health Community Tools

A variety of online tools can ease communication among family and friends and marshal their help. For instance, some project-minded people set up a Basecamp, a Web-based project management tool, to organize long-term caregiving and divvy up tasks — such as grocery shopping or driving to appointments — for frail or disabled parents. (The site charges a small monthly project fee.)

Online health communities offer a different way to share support as well as disease and treatment information. PatientsLikeMe connects people to similar patients and features a chart to track your individual health over time. Many online communities, like COPD-Support, focus on a single medical condition. The American Heart Association lets users register to join communities around conditions such as congenital heart defect and stroke, and users can join caregiver communities too.

And of course, there’s always Facebook. From Bushaw’s perspective, that feels too public. “Facebook is where I go to put something funny or post a picture from a wedding,” she says. “It’s not where I go to share real, sometimes hard, health information.” Privacy level choices and user attitude are two big reasons to choose CaringBridge, Mehring says. “Our sites are also protected from search engines and really just treated as a protected environment.” Most important is supporting the community rallying around a single person, she says. Instead of being about “me,” she says, CaringBridge is more about “we.”

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Keeping Communication Lines Open in a Health Crisis 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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