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Balancing School Budgets to Make Food a Priority

Budgets are a fact of life. We try our best to balance our income with our expenses, and hopefully if we’ve done it right, we have a little left over to save for a rainy day. It’s not always cut and dry. But the decisions we make — the way we decide to prioritize where we spend our money — can have major repercussions on our lives and those of our children. Do we skimp on health care and spend extra money on a fancy car? Do we make room in our budgets to eat well?

Similarly, the way we balance school budgets affects how we prioritize school food. Yet school food finances are handled in a way that’s substantially different from other departments in most school districts. Academic departments, such as math, science, history and language arts, are all paid for by a district’s general fund, and most of us would be shocked if we were asked to pay for these pillars of public education. In addition, districts cover the cost of basics such as recess, buses, nurses and custodians. Just imagine if we had to pay an additional cleaning fee to get our school floors swept, mopped or vacuumed?

[See: 10 of the Biggest Health Threats Facing Your Kids This School Year.]

The school meal program, on the other hand, is expected to be self-sustaining, if not profitable. So we assume school districts will supply our children with clean floors, buses and nurses, but not with food? In essence, we’re saying that to learn, children need to be in clean buildings, be transported to and from school and have health care providers on-site, but that healthy food is not a priority.

Now let’s imagine that school meals were actually viewed as one of the pillars of the educational experience. Glimpsed through this lens, a lack of healthy school food would be considered as detrimental to a child’s learning experience as no math class or school buses, or trash overflowing in classrooms.

But school meals haven’t historically been seen in that light. In fact, oftentimes it’s just the opposite. For decades, school meals have been treated first and foremost as a moneymaker for schools, and then as a last resort, a break-even department. Faced with this bizarre financial situation, rising food and payroll costs and stagnant revenue, school meals have over the years become more and more processed, unhealthy and detrimental to our children’s ability to learn.

[See: ‘Healthy’ Foods You Shouldn’t Be Eating.]

This decline in the quality of school food might have been avoided if it was just given the same respect as academic departments. If food services departments weren’t mandated to stay budget neutral or show a profit, then they could focus on serving the healthiest possible food, just as academic departments focus on providing the best possible education.

This month, the reauthorization of the Child Nutrition Act became a full year overdue. Not only are our elected officials seemingly incapable of passing a law to protect our kids’ meals, but they’re resisting making the law stronger. While the election year frenzy whirls around us, I’d like to challenge each and every one of you to tell your elected officials to pass a strong reauthorization bill, and beyond that, to start thinking about a future in which our country prioritizes healthy school food as highly as academic curriculum, buses and clean floors.

[See: 10 Healthy Meals You Can Make in 10 Minutes.]

If we want to ensure children are healthy today, tomorrow and into the future, then we must demand access to healthy food for all kids. To do that, we’ll have to make school food a budgeting priority.

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Balancing School Budgets to Make Food a Priority 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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