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Is Your Resume Formatted Correctly?

While content is clearly the name of the game when it comes to resumes, format is also important. What looks good to you on your computer may come out looking entirely different on someone else’s machine. Though there is a variety of word-processing software out there, there are some general guidelines to go by. We’ll use Microsoft Word as our example since that is the most commonly used program for creating resumes.

Often odd formatting things occur when you start cutting and pasting to import information into your Word document. In order to avoid a royal mess, try taking the following steps to ensure your resume is well-formatted.

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Margins. Start with 1-inch margins all around the page. Word defaults to a 1-inch margin on the top and bottom and 1.25 inches on the left and right, so you will need to click on Page Layout — Margins — Normal. It’s fine to stick with the automatic setting, but this will give you a bit of extra space should you need it. Don’t extend past 1-inch margins because it’s imperative to have some white space on the page.

Alignment. Now you should compose your resume in the default Word document. If you begin copying and pasting from other locations, you run the risk of altering the formatting, which often takes longer to undo. Stick with the default line spacing. Once you’re finished typing your content, you may find that you need to reformat some parts of your resume in order to fit everything. Don’t play around with the settings until you know if you need to or not.

Font. There’s a lot of talk about proper resume font, and many people think using a unique one helps them stand out. What is more important than fancy font is that it is readable. Some good choices are Garamond, Cambria, Arial, and Times New Roman. Stick with 11- or 12-point black font. Avoid over-using bold, italics and underlined text. Generally, bold font should only be used for your name at the top of the resume, your section headers, and organization name and job title for each job description.

Tables. Many people use tables to feature their skills or competencies. Do not use tables of any kind. They can ruin formatting and likely will not show up correctly on someone else’s computer or when printed. In addition, some automatic tracking systems that filter resumes do not recognize tables, so you run the risk of your resume not uploading in those human resources systems correctly or at all.

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Graphics and Callout Boxes. In order to highlight a part of your background, you may be using a callout box or two. While these make your resume look different, it can also cramp it, causing you to use smaller font type or squeeze information elsewhere. Unless you can fit everything in an appropriate, readable way, it’s best to stay away from callout boxes. Graphics should be avoided entirely unless you happen to be in a very creative field like web design. These can also show up in an unintended way and distract from the substance of your resume.

Pages. Your resume should not be more than two pages. The second page should include your name and page number. Whether you do that in the header, footer or simply at the top of the page, is up to you as long as it’s there. If your resume does go past two pages, first review your text and decide what words or information can be discarded. Then consider how you can condense spacing. It may mean changing the space size between sections or job descriptions. To do this, you can right-click on your mouse and select Paragraph. Then go to Spacing where you’ll see a Before and After selection. That’s where you can play around with spacing. Make sure you use the same setting throughout your resume and not only in that one spot!

Justifying. You may have used the tab or space bar keys to get over to the right side of the page to record dates of employment. That is going to cause major trouble and uneven alignment when it comes to others uploading, viewing and printing your resume. Instead, double-click on the ruler at the top of your page. A tiny black arrow should appear. Under Alignment, click on the bubble next to “Right.” Now you should be able to drag the black arrow over to the edge of the page at the right. Do this for each date entry to keep formatting even along the right side.

[See: 10 Ways Social Media Can Help You Land a Job.]

When you’re finished with your formatted resume, click on Save As and select PDF format to save it. Open the PDF and check to see if your formatting has remained consistent. If not, make the necessary adjustments. You may find there’s an extra blank page hanging on at the end. If that’s the case, you need to go back into Word and delete it.

When you send your resume to employers or upload it on a site, send it as a Word file (unless directed otherwise), as some automatic tracking systems will not upload a PDF properly. Formatting takes time but it’s well worth your while. If your resume has formatting mistakes, you may lose your chance of being considered for a job.

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Is Your Resume Formatted Correctly? 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. 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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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