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Ready for a New Job?

Ready for a new job? The last quarter of the year is a very active hiring period for many companies — and a great time to consider a new role. Before you start sending out your resume, it is helpful to begin with the end in mind. In other words, you are more likely to get what you really want if you actually know what you are seeking. Here is how to prioritize your needs and wants for a new career.

[See: 25 Awesome Business Jobs for 2016.]

Start with the obvious — what is bugging you about your current position? Although it is more strategic to start with outlining your ideal position, the reality is we all invest an inordinate amount of energy into thinking about what we don’t like. So, you might as well list your dislikes about your current position.

Once you have that list, go through each one and give each a letter:

F. Fixable. This is an item that can be fixed in your current position. You may not want to actually address the specific problem — but you can see that it can indeed be corrected with no job change. For example, “nobody here can get anything done correctly.” There is a chance that truly nobody is capable of doing anything right, but more likely it is because you are a bit of a control freak and micromanage every project when you could train and delegate. This problem is not about your job, but about the way you are doing your job.

[See: 10 Reasons to Quit Your Job Already.]

E. Expected. This is an item that is part of the role or industry you are in and is likely to be part of a similar role at a different company. For example, you hate networking events and attending tradeshows. If you are in sales in an industry where 50 percent of the year’s revenue gets booked at the biggest conventions, this annoyance is a necessary evil of this profession.

C. Change Needed. This is an item that will likely disappear if you change jobs. For example, you provide customer service for products that have a higher than average failure rate for a company that never wants to refund money. Moving to a different company with better quality standards will shift your job in a more positive way and may give you more discretion as to how to solve problems.

The purpose of the list and labels is to get an objective picture of whether the grass really is greener somewhere else. It frequently happens that someone is driven to job search to get away from something — only to find that the something shows up again in the next position. The key here is to be honest about the issues. As humans, we carry lots of mental baggage that often is not as significant when we look at it from a more objective viewpoint. If you can’t change something you dislike, but everything else about the role is ideal, it becomes much easier to disregard that item as a necessary evil.

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

What are you drawn toward? Now that you have cleared away any unnecessary distractions you may have been running away from, it’s time to outline your priorities. Write down all the factors that matter for you to be happy, successful and satisfied professionally. Recent career satisfaction research with close to 50,000 participants, conducted by Sokanu.com, a free online platform that helps to find your ideal career, showed surprising results. Many of the jobs with the highest satisfaction are not associated with six-figure salaries. And, some of the careers with the lowest rankings have a high earning potential.

Each of us has different motivators, so while being paid well is always a plus, it’s often other stuff that drives us to make a change. The outline of what is ideal or targeted can now become your guide on how to assess the fit of potential roles. When you have tools to be more calculating about your options, your ability to find a great long-term match increases tremendously. Plus, you have the confidence that a potential new job really does line up with your needs. That alignment goes the distance much better than just an initial personality fit with an interviewer or the thrill of getting free in-house lunches.

More from U.S. News

The 100 Best Jobs of 2016

How to Quit Your Job Like a Class Act

10 Job Resolutions to Revitalize Your Career in 2016

Ready for a New Job? 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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