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Why Even Die-Hard DIYers Need a Travel Advisor

For travelers who enjoy staying involved in the trip-planning process, enlisting the help of a travel specialist may seem like a risky and costly preposition. After all, with a proliferation of savvy travel apps and booking sites that make snapping up bargain rates a cinch, it’s hard to see the added value of professional help. But the truth is, a knowledgeable advisor can deliver much more than insider intel and itinerary recommendations. With connections in remote corners across the globe and an incentive to offer superlative experiences every step of the way, a well-networked advisor can snatch up special rates and minimize headaches should an unexpected medical- or weather-related dilemma threaten to spoil your trip.

And that’s just the start. For further proof that working with an advisor is a smart idea, we spoke with experts about why even proactive vacation-planners should solicit professional advice to maximize value and enjoy smoother, stress-free travel.

A Travel Advisor Is an Advocate

“Travel advisors provide advice, access, advocacy and accountability — a combination that’s nearly impossible to replicate online,” says Terrie Hansen, Virtuoso’s senior vice president of marketing. Instead of leaving travel plans to chance should something go awry, “a true travel advisor will help their clients regroup, sort through the options and get them on another path, ensuring they don’t waste time on hold when they could be out enjoying themselves,” she adds.

And let’s be honest: Travel setbacks aren’t out of the ordinary. Inclement weather, flight cancellations and health-related issues are known to crop up when traveling, which is why it’s helpful to have an advisor watching out for you, says Catherine Heald, co-founder and CEO of Remote Lands Inc., a private tour operator that specializes in organizing customized trips in Asia. Advisors are big troubleshooters and fixers, she explains, pointing out that the more off-the-grid the itinerary, the more you need an expert advisor who can help navigate logistics and other issues such as language barriers. “Having somebody who’s looking after your entire trip can save you a huge amount of headache and heartache,” she says.

“Travel agents have a network of connections to draw on and deliver influence to you at any time. We negotiate and advocate on your behalf. Because of this leverage we are likely to get a better deal and have clout if anything goes wrong,” says Travel Leaders agent Michelle Weller.

Apart from being available in the event of an emergency, trusted advisors also monitor details such as current weather conditions and possible strikes in the area to help protect clients, says Jay Johnson, president of Coastline Travel Advisors. And if the advisor issued your plane ticket, oftentimes, he or she will take care of rerouting you, so you don’t have to stress or scramble, he adds. Another advantage of working with an advisor is peace of mind, he says. “If you are booking a trip, let’s say to South Africa, the tour operator we’re going to be using is licensed,” he says. “Everyone is vetted,” he adds, emphasizing that trust is a key benefit of working with a company that’s part of a consortium that has established cont acts around the world.

An Advisor Can Secure Low Rates

Some do-it-yourself types might contend that reasonably priced hotel rooms are easy to snag on travel websites and apps. While this is sometimes the case, advisors can grant you even better deals that aren’t available to the public, along with extra perks that wouldn’t typically be included in your rate.

Advisors Pay Attention to Personal Details and Direct You to Lesser-Known Gems

Advisors offer helpful recommendations to guide you to off-the-beaten-track experiences and places you wouldn’t stumble upon on your own, Heald says. Let’s say you’re interested in art, “If you go to Bhutan, there are so many remote villages that make fantastic textiles,” she explains, pointing out that advisors take the time to understand their client’s needs and preferences to plan customized itineraries that align with their passions. “We want to learn as much about people as possible,” she adds.

Advisors also seek out ways to add personal touches and experiences travelers wouldn’t have access to on their own. “One of my favorite aspects of the business is getting to know my clients and planning little surprises for them,” says Lindsey Epperly, travel consultant and owner of Epperly Travel, a luxury travel consulting company. “For instance, when a couple walks into their hotel room for their first trip away from their newborn only to find a photo of their baby on the nightstand, that’s what turns an ordinary trip into an unforgettable memory,” she says.

Advisors Offer Access to Lucrative Perks and Privileges

Advisors have relationships that allow clients to receive added hotel perks at the same rate or lower than you would receive by booking directly, Epperly says. For example, working with an advisor can help you secure benefits such as complimentary breakfasts during your stay at a U.S. hotel or free transportation to and from the airport in Paris, she explains.

And thanks to cultivated relationships and pre-negotiated contracts, clients can benefit from extra-value amenities such as complimentary upgrades, spa services and transfers to and from hotels, which can translate to hundreds of dollars in savings, says Suzanne Aaronson, chief marketing officer of ALTOUR.

You Can Still Be a Part of the Vacation-Planning Process

For travelers who want to be engaged throughout the vacation-planning stages, working with an advisor can be a collaborative process. In fact, advisors recognize the challenge of converting DIY travelers, Hansen says. “Travel is one of the few things where you can get as much pleasure out of the planning process as you do from the actual trip itself. But there is also the stress of worrying about making the wrong choice and, despite the avalanche of reviews, separating what’s hype from what’s real and true,” she adds. Once you are matched with the right advisor, the vacation-planning process is “fun, personal, efficient and made stronger by their combined knowledge, research and contacts,” she says.

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Why Even Die-Hard DIYers Need a Travel Advisor 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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