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How to Help Your Child Cope With a Learning Disability

A learning disability is a problem that affects how a person processes, understands and uses information. Everyone has learning strengths and weaknesses, but people with learning disabilities have complex learning issues that persist throughout their lives. However, learning disabled students are as smart as — and can be even smarter than — the average student.

One can have a superior IQ yet still have cognitive challenges. Being learning disabled does not directly correlate with a lack of intelligence or motivation. LD students manage information differently because they have a neurological processing challenge that interferes with their ability to master specific concepts when taught in a traditional manner.

Learning differences can take on multiple forms. Some students have difficulties getting content into the brain. These children struggle with information integration, such as the ability to organize, sequence, retrieve or infer meaning. Other students have difficulty getting information out of the brain. These children struggle with fine motor skills, such as handwriting, organizing thoughts on paper or finding the right words to express ideas.

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

Signs Your Child May Have a Learning Disability

Knowledge acquisition is unique for each child, and difficulties can surface at any age. There are, however, some specific signs that may indicate your child learns differently. During the preschool years, look for language complications, such as acquisition difficulties or word pronunciation problems. Some young students may have struggles with coordination and finger use, finding simple tasks unusually frustrating. If any area of development feels delayed, check with a teacher to determine if an early intervention is needed.

As children enter the elementary years, subject area concerns often become more prominent. LD students may be able to master many skills but have difficulty grasping certain concepts. Frequent reading errors, constant misspellings or atypical troubles with basic math computations can be markers of a learning issue. In addition, some may experience social struggles and communication problems, which also affect knowledge acquisition.

Many learning disabled students, however, actually thrive in grade school. These kids often develop compensating strategies for their cognitive challenges. Elementary school teachers are also particularly talented at supporting individuals of all abilities no matter how they learn. By using multimodal teaching techniques, these professionals make academics more appealing to all students, no matter their learning style. But as these children mature, school tends to become frustrating.

For a small group, learning difficulties don’t surface until the middle or high school years. Classes become more challenging because students are asked to engage in higher-order thinking tasks, such as comparing concepts, linking previously taught ideas to new material and understanding complex relationships. Many struggle because they are unable to hold information in short-term memory and execute multistep tasks.

With teens, however, it can also be difficult to sort out typical distractions from true learning issues. Some students struggle with classroom attention, avoid homework and fail tests because they have no desire to do long division or read Jane Austen. Others put forth appropriate or even excessive effort, but still experience low grades. Review homework and look for unusual sequencing, overly sloppy work or excessively long completion times. Also, check on your child’s emotional state. School anxiety or a confidence crisis often can be the result of an unknown learning issue.

[See: 9 Foods That Can Keep Your Brain Sharp.]

What Parents Can Do to Ensure Kids Get Needed Help

Trust your parental instincts and pursue assistance if you think there is a problem. Start by talking to your child’s teachers. Next, consult with your child’s doctor and rule out any medical concerns. Finally, and perhaps most importantly, work with a qualified educational specialist who understands learning issues. This expert will review academic records, interview the family and consult with the school. These professionals will also administer a comprehensive set of cognitive tests and academic assessments to develop a detailed learning profile and determine if a problem exists.

[See: How College Students Can Avoid Getting Sick.]

It can be upsetting for parents to consider the possibility that their child may learn differently. It is, however, important for families to own the problem, understand how their child thinks and learns, and seek the services they need. Don’t adopt a wait-and-see approach. Be proactive in addressing the problem. With intervention, advocacy and support, LD students succeed in school, college and life.

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How to Help Your Child Cope With a Learning Disability 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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