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Steer Clear of Concussions This Summer

We often associate concussions with the start of the school year and the fall sports season. But September isn’t the only time when it’s smart to be vigilant about kids and concussions: summer, and all of the fun and adventurous activities that come with it, is just as important.

As the weather warms up, kids are likely to be out riding their bikes, going to the park, attending a dedicated soccer or cheerleading camp or taking part in pre-season sports practices. And these are some of the activities in which a concussion is most common: For kids under 9, concussions are most commonly sustained while bike riding or playing on the playground, while for those 10 to 19, it’s football or biking for boys and soccer, basketball or bike riding for girls, according to Safe Kids Worldwide, an organization that works to prevent childhood injuries.

[See: 10 Concerns Parents Have About Their Kids’ Health.]

But what exactly is a concussion — and, since keeping kids inside all summer isn’t the answer, what you can parents do to prevent one?

A concussion is a brain injury caused by either a blow to the head or a jolt or severe motion to the head. And it should be taken as seriously as any other medical emergency. Many people think a concussion is harmless or that it will clear up on its own. But receiving the proper treatment and managing a concussion the right way is essential to ensure it heals properly and that a child can get back to the sport or activity he or she loves.

If your child does sustain a concussion, you should know what to do and when to seek medical attention. While your child may be anxious to get back to practice or back on his or her bike, it’s important to remember that what may seem minor or trivial can become much more severe if the brain isn’t allowed to heal properly and given the right amount of rest. The “shake it off” mentality can do more harm than good.

There are a number of signs and symptoms to be on the lookout for, including: headache, nausea or vomiting, blurry vision, dizziness or poor balance, a sensitivity to light or noise, feeling sluggish or groggy, having difficulty paying attention or remember things or just simply “not feeling right.”

If your child does sustain a concussion, there are certain measures you can take. Start by telling someone — whether it’s the coach or a fellow parent who can help in an emergency. The child should immediately be taken out of the game or practice, or refrain from the activity, and not go back to it until they are completely healed. It’s important to understand the severity of the concussion before returning to play.

[See: Top Reasons Children End Up in the Hospital.]

It’s important to follow the recommendations of a licensed medical profession, and recommendations can vary depending on the severity and situation. The physician will be able to tell you the specifics of how to approach your child’s condition, but generally, make sure to give the brain time to heal. Most kids can return to their regular activities within 7 to 10 days, but do so slowly.

So how can you keep a child safe? The good news is most injuries are preventable — especially if you educate yourself and your child. Start by making sure your child is wearing the appropriate gear, which includes a helmet. Helmets can reduce the risk of a head injury by 45 percent — and of a brain injury by 33 percent, according to a report from Safe Kids. Helmets should be properly fitted and worn during the appropriate activities, including bike riding, horseback riding, playing sports and, particularly during the summer, when taking part in water sports like water skiing.

During activities, it’s important to play by the rules and to remind kids to always listen to their coach or caregiver. At Burke Rehabilitation Hospital in White Plains, New York, we work hard to not only provide effective rehabilitation when someone has experienced a traumatic brain injury, but to help prevent them in the first place. Therapists from Burke serve as volunteers for the ThinkFirst program, a national injury prevention program that takes places in schools and educates kids about safety as a way to reduce serious injury. The ThinkFirst About Concussions! program focuses on teaching about the management and prevention of concussions — and can help ensure the kids themselves know how to stay safe while engaged in various activities.

[See: What to Say and Do If Your Daughter Thinks She’s Fat.]

But concussions don’t only occur during sports or bike riding. You can also sustain a concussion from a fall or accident. To stay safe when driving, make sure you and all passengers are wearing a seat belt, that you’re not distracted — no texting! — and that you’re always alert and sober.

The summer should be a time of fun — of getting out and enjoying the weather and time together as a family. Concussions are not a joke, and you can reduce your risk by knowing how to prevent them and what to do in case someone you love sustains one. Whether you’re driving to the beach, your teen is attending his or her beloved sports camp or your little ones are riding to their favorite park, staying smart and safe will ensure everyone has their best summer yet.

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Steer Clear of Concussions This Summer 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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