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10 Dreamy Cruise Vacations to Cross Off Your Bucket List

If you’re interested in exploring far-off corners of the globe by ocean or river, you’re in luck. With a robust selection of itineraries, cruise lines and amped-up onboard experiences to pick from, cruises are well-suited for a variety of traveler preferences, pursuits and price points. “Don’t get too hemmed in by defining bucket-list cruise vacation destinations as exotic or expensive. Your bucket list can be as simple or as exotic as you decide,” says Carolyn Spencer Brown, editor-in-chief of cruise advice site CruiseCritic.com. Whether you’re itching to explore Cuba’s captivating streets or take in Iceland’s stunning natural wonders, there’s an unforgettable voyage for you.

[See: 10 Bucket-List Destinations That Don’t Cost a Fortune.]

Soak in Cuba’s History and Culture

With looser U.S. travel regulations and increasing accessibility to the once out-of-reach island nation, Cuba should be on your radar in 2016 and 2017, Brown says. “So far, one U.S.-based mainstream line — Carnival Corporation’s Fathom — has been granted access, but it’s anticipated that as Cuba opens up, more cruise lines are poised to offer trips there,” she explains. Fathom’s 704-passenger Adonia offers seven-day voyages to Cienfuegos, Santiago de Cuba and Havana. Prices start at $2,320 and include shore-side diversions, such as walking tours of Havana’s Old City.

Tour Distant Ports Across Japan

“It’s amazing how the cruise industry really is global,” says Lorri Christou, senior vice president of strategic marketing and communications at the Cruise Lines International Association, noting an increasing number of itineraries across Asia in recent years. Wendy Perrin, founder and editor of travel-planning site WendyPerrin.com, highlights an 11-day cruise aboard Ponant’s brand new L’Austral in May 2017 as a voyage to remember. The ship navigates Japan’s west coast, from Osaka to Muroran and makes stops in off-the-beaten-path areas, she says. Prices start at $7,940 and are based on double occupancy. Highlights include exploring the Shinto Shrine in Hiroshima and Kanasawa castle on the island of Honshu.

Explore Iceland’s Other-Worldly Landscapes

Iceland is no longer a best-kept secret, with increasing demand for accommodations far exceeding the supply and stretching the country’s tourism infrastructure, Perrin says. That said, you can still experience the country’s charms on a “small-ship cruise that sails along the coast,” Perrin says. “While a lot of ships are touching on Iceland, Lindblad Expeditions is doing a 10-day circumnavigation in July. Sure, it’s expensive — prices start at $9,130 per person — but these days a high-caliber land-based trip will give you sticker shock, too,” Perrin adds. The July 2017 voyage starts in Reykjavik and sails past the Latrabjarg cliffs before continuing onward to the Arctic Circle and the Western Islands.

Sail from Sri Lanka to Tanzania

“A cruise is most enjoyable, and makes the most financial sense, when the ship’s itinerary covers a group of islands that would be logistically difficult, time-consuming and cost-prohibitive to see any other way,” Perrin says. She points to a 17-day itinerary aboard Silversea‘s Silver Discoverer in December 2017 that sails from Colombo, Sri Lanka to Dar es Salaam, Tanzania, as a once-in-a-lifetime itinerary. “More than 152,000 giant tortoises — the world’s largest population of them — live on isolated Aldabra Atoll, the world’s second-largest coral atoll, in the Indian Ocean,” she explains. Plus, the ship hits fascinating places along the way, such as Seychelles. Prices start at $10,665 per person.

Take in Rare Wildlife on a Northwest Passage Sailing

“The biggest once-in-a-lifetime trip debuting this year was Crystal Cruises’ trek along North America’s Northwest Passage, a seriously small ship expedition destination that was a first for a larger vessel,”Brown says. The 32-day journey aboard the Crystal Serenity starts in Anchorage, Alaska, and sails across Greenland and the Arctic, weaving past striking glaciers and impressive fjords and polar bears and harp seals, among other residents. Prices for the August itinerary start at $21,855 per person, based on double occupancy.

[See: 10 Affordable Last-Minute Cruise Vacations.]

Or Sail Along the Northeast Passage

If you’re itching to tour wild, far-flung destinations, consider sailing along the Northeast Passage. “Few expedition vessels have transited it, but [Russia’s Northern Sea Route] is now accessible, thanks to the recent changes in sea ice conditions,” Perrin explains. “A history-making expedition aboard the Russian research ship, the Akademik Shokalskiy, will set sail on July 31, 2017,” she says, highlighting that the itinerary offers the chance to explore isolated isles and catch sight of Arctic creatures, such as polar bears and arctic foxes. Prices start at $20,800 for the 29-day itinerary, which starts in Alaska, and ends in Norway.

Explore Antarctica’s Breathtaking Landscapes

Luxury cruise line Abercrombie & Kent is offering a 17-day naturalist guide-led journey across South Georgia, the Falklands and Antarctica, with the chance to visit a penguin colony in Port Stanley, spot birds and whales in the Antarctic Peninsula and navigate the Drake Passage. And for its Dec. 13 sailing, the luxury tour operator is offering a 25 percent discount on select balcony suite cabins and the chance for a second child to sail for free. With the promotion, prices start at $15,995, down from the standard $18,995 rate.

Explore East Africa

According to Christou, there’s a cruise for every style and budget, whether you’re searching for cultural immersion or a family-friendly itinerary. And soft adventure travel is one of the top emerging cruise trends, Brown says. “Sure, it’s best known for transporting passengers to seriously off-the-grid places like the Galapagos, South Pacific, Antarctica and the Arctic, but lines like Abercrombie & Kent, Lindblad Expeditions and Ponant also offer trips that focus on lesser-known places in popular regions,” she explains. Africa also flies under the radar, Brown adds. AmaWaterways’ Zambezi Queen offers a 16-night sailing in November that includes seven nights in a Tanzanian luxury safari lodge; prices start at $11,995 per person.

Check Out New Zealand and the Subantarctic Islands

If you’re searching for a one-of-a-kind itinerary, consider cruising to the Subantarctic Islands. Perrin points to a January 2017 Ponant itinerary as a less-traversed route through pristine environments across New Zealand and the Subantartic islands. “Very few permits are ever granted for Macquarie Island, but the expedition ship l’Austral has secured access for its 260 passengers,” she explains. The itinerary particularly caters to animal lovers, she adds, noting that passengers “get to see penguins, albatross, sea lions, fur seals, southern elephant seals.” Prices start at $12,810 per person for the 16-day sailing.

[See: 10 Extraordinary European Cruise Ports You Shouldn’t Skip.]

Admire Wildlife on a Small Expedition Ship to Alaska … or Belize and Guatemala.

The 100-guest National Geographic Quest launches next June and will offer off-the-grid itineraries designed to maximize wildlife viewing opportunities. “It’s made for exploring coastal waters and shallow coves where wildlife congregate,” Perrin says, highlighting that nearly half of its cabins will be appointed with balconies with floor-to-ceiling windows. On the Alaska voyage, guests can explore spectacular national parks, while on the Belize and Guatemala itineraries in winter 2018, “passengers can snorkel, kayak, stand-up paddleboard or dive the largest reef in the Northern Hemisphere, then explore the ruins of Tikal,” Perrin says. Prices for the nine-day Belize to Guatemala sailing start at $5,490 per person.

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10 Dreamy Cruise Vacations to Cross Off Your Bucket List 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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