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What to Remove From Your Resume Right Now

Get your finger on the delete button or your eraser in hand. There are some parts of your resume that can be immediately scratched or changed because they are either hurting you or taking up valuable space. Some removals are absolutely essential. Otherwise, applicant tracking system (ATS) software that most organizations use may not generate your resume correctly, which means you’ll lose any chances of getting a call. So, what should get the cut?

[See: 10 Items to Banish From Your Resume.]

Photo. Unless you are asked for one, do not include a photo. Europeans are even moving away from this practice as more organizations accept American-style resumes.

Full address. You only need your city and state, or city and country if you’re outside the United States.

Objective. If you’re using an objective statement at the top of your resume, you are dating yourself. Employers don’t care what your goal is — they want to know what you can do to support their goals. Better terms to use here are “career summary” or “career profile.” This brief statement should tell the employer, using data from the job posting, that you meet the main required qualifications.

GPA and test scores. If you graduated less than three years ago and have a GPA of 3.5 or above, you can keep it on your resume. Unless you are asked to include them, take out standardized test scores. Once you’re beyond three years out of school, take your GPA off (unless of course you’re told to include it).

University you didn’t graduate from. The school that matters is the one from which you graduated. If you feel compelled to include a school you transferred from, make sure to not include it separately from the school you graduated from. That is, include it as a bullet indented underneath your alma mater with years attended.

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

Cliche phrases. Search the internet for “most commonly used words in resumes” to come up with a list of cliche phrases. If you’re using these terms, it’s likely that you are being too general and not speaking specifically enough about your experience. This doesn’t help an employer understand who you are and what you’re capable of because you look just like everyone else! Most of us are so entrenched in the day to day of our role and field that we forget those outside it won’t understand what we do. Play around with words to find ways to say what you do clearly and concisely.

Acronyms. Many acronyms are industry- or company-specific. That’s why you can’t use them without first defining them. The best way to do this is to spell out the first instance and put the acronym in parentheses after it; you can use the acronym alone from then on.

Tables. Using tables is a sure way to set your resume up for a failed reading in an ATS. If the system cannot read it correctly, you’ll lose your chance to be considered for jobs!

Irrelevant experience. If you have paid work or volunteer experience that is not relevant to your career goals (i.e., you didn’t obtain any transferable skills), you should list those briefly under a headline such as “previous experience.” You don’t need any details except for your title, organization, location and years.

Jobs 10 years or older. Remove bullets for jobs over 10 years old, unless any pertain to your career goals, and you haven’t demonstrated the same skills or a career progression in your work since. Incorporate any transferable skills that are not apparent elsewhere in your resume into your career summary or under “technical skills,” which can fall at the end of most resumes under “additional information.” If you’re in a technology field, you may want to consider moving those skills underneath your career summary.

[See: The 8 Stages of a Winning Job Search.]

Use hyperlinks sparingly. Hyperlinks are good when used effectively. Do not hyperlink every company you’ve worked for and every mention of a project on a website or in an article. Choose only those that you consider a big deal — you may want to check with a colleague or friend to find out if they agree with your choices. If you’ve written for a publication, been quoted in a major article, or contributed to an article, those are worth hyperlinking. If you have quite a few, you should consider titling the section “select publications” or “select media,” and listing and linking to only a few.

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What to Remove From Your Resume Right Now 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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