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Reinvent Your Oatmeal

As the weather starts to cool, there are few things cozier than a warm bowl of oatmeal to start your day. Bursting with fiber, including oats in your diet has been linked to a decreased risk of heart disease and diabetes. Better yet, this whole grain is inexpensive, nutrient-dense and easy to make ahead of time and customize throughout the week.

From sweet to savory, innovative oatmeal recipes are revamping the way we think about this simple meal. Sure, packaged flavored oats are convenient, but they can be loaded with sugar, additives and preservatives that are worth avoiding. You have to be choosy and make sure to read the ingredients, since many “original” varieties can still contain added sugar. Opt for oats with no added sweeteners, including the artificial and natural no-calorie varieties that simply encourage your sweet cravings. Stick with a plain variety and flavor it yourself. It’s easy. Try a few of my favorite pairings.

[See: High-Protein Breakfast Ideas.]

— Combine oatmeal with pumpkin or sweet potato puree as well as savory spices, such as cinnamon, cardamom and ginger. Add a touch of real maple syrup and a sprinkle of pumpkin seeds and you’ll be more than satisfied.

— Tropical flavors pair perfectly with oatmeal, which is why the combination of fresh or frozen, defrosted mango and unsweetened, shredded coconut or coconut milk works so well. Both the coconut and the mango are naturally sweet, so you don’t need much else.

— Put an egg on your oatmeal. Cooked oats are the perfect foundation for more savory ingredients, such as fresh or roasted tomatoes, poached or fried eggs and even avocado. Top it off with a sprinkle of za’atar, a blend of sumac, thyme and sesame, olive oil, salt and pepper.

Or try these options from other oatmeal-loving dietitians:

“I take a 1/2 cup of quick-cooking oats and mix with around 1 cup nonfat milk and then microwave for two minutes,” says Keri Gans, registered dietitian nutritionist and author of “The Small Change Diet,” who basically eats the same oatmeal breakfast 365 days a year and never tires of it. “I then top it with a heaping tablespoon of natural crunchy peanut butter and a sprinkle of chia seeds. Personally I don’t like to add fruit to mine, but for my hubby, I slice a half of banana in it before microwaving. It becomes a lot sweeter than if added after cooking. This quick and easy recipe helps to keep me full until lunchtime.”

[See: 7 Ways to Get Calcium Beyond Milk.]

“My go-to steamy bowl of oatmeal includes a heaping (sometimes very heaping) spoon of crunchy almond butter, cinnamon or cocoa, a sprinkle of chia seeds and some sort of fruit — like warmed frozen raspberries. The extra protein from the nut butter and seeds helps keep me going till lunch and also helps to slow up the absorption of carbs in the cereal and fruit, keeping blood sugar levels stable,” says Bonnie Taub-Dix, founder of BetterThanDieting.com and author of “Read It Before You Eat It.” “Besides … oatmeal is a total comforting way to start my day!”

If you don’t like to cook, overnight oats are perfect for you. They are made by soaking oats overnight in milk, yogurt and a variety of spices. “I like to layer overnight oats with homemade chia jam for extra fiber, protein and heart-healthy omega-3 fatty acids. My favorite combo is whipped peanut butter oats with grape chia jam. It’s PB&J for the health-conscious crowd,” says Alexandra Caspero, owner of Delish Knowledge and author of “Fresh Italian Cooking for the New Generation”

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

In the fall, Kara Lydon, author of the e-book, “Nourish Your Namaste,” and The Foodie Dietitian Blog, craves warm, comforting recipes like baked oatmeal. “The beauty of baked oatmeal is that it’s totally customizable — just add whatever produce is fresh and in season,” she recommends. “Right now, I’m adding local New England apples to my baked oatmeal, and pretty soon, I’ll be mixing in pumpkin puree. It is perfectly satisfying for the fall and winter months.”

More from U.S. News

The Best Spices for your Health

5 Healthy — and Tasty — Smoothie Ingredients

Unusual Uses for Avocados

Reinvent Your Oatmeal 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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