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Talking to Your Children About Racism

Between the unrest resulting from police brutality by white officers involving black men to protests over President Donald Trump’s travel ban affecting citizens from seven Muslim-majority nations, cultural and racial tensions are especially high in America today.

While adults are typically able to think through their stance on issues of race and culture — even as divisions remain among people of all ages — children have an even tougher time processing their views about what’s going on. Bias from the media, and even within our own communities, can have a much greater effect than previously thought, resulting in the development of embedded prejudice and racist behavior in children before they even comprehend what racism means.

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

Racism and Prejudice in Toddlers

Harvard University psychologist and racism expert Mahzarin Banaji found in her own research that children as young as 3 years of age are susceptible to racist behavior within a few days of being exposed to it.

Children form biases early, and can quickly pick up on cues from adults as well as peers. Kids may be exposed to prejudiced attitudes at home, as well as at school. These learned biases can have a significant impact on how they perceive and treat others.

In the U.S. and around the world, such prejudices can affect how kids (as well as adults) treat others. The British Department of Education reports that approximately 20 children are suspended or expelled for serious acts of racism every day in the UK alone.

Blurring Lines: Is It Ever “Just a Joke?”

Often adolescent ethnic bullying is done under the guise of humor.

We’re all familiar with tasteless jokes based on racial or cultural stereotypes. To feel resolved of responsibility a person may say he didn’t mean anything by the joke or even note that his best friend is of a different race, or that she’s a racial minority herself. Others might simply say you’re being overly sensitive if you take issue with a bigoted wisecrack. We might even find ourselves laughing at those same jokes on occasion.

While this may appear harmless, being on the receiving end of racial humor can often have long-term adverse effects on one’s emotional psyche, self-worth and overall mental health.

[Read: Parenting in a Divided Nation: How to Preserve Vital Relationships.]

When Prejudice Shapes Self-Esteem

While an adult with healthy self-esteem may have an easier time brushing off racism, for children or teenagers still trying to figure out where they fit in the world, being exposed to racism can inflict long-lasting emotional and mental damage.

According to recent studies and a 2015 review published in Plos One, there is a strong correlation between racism and poor health, increased levels of stress, depression, anxiety, aggression and even high blood pressure.

A University of Melbourne study found a strong correlation between racism and mental health outcomes. Having studied 461 individual cases of racism and their links to mental health issues, lead researcher Naomi Priest reports a significant and direct link on the impact racism has on children, and the way they view their self-worth later in life.

In another study published in the International Journal of Eating Disorders by researchers Dana Sahi Iyer and Nick Haslam, 86 percent of the South Asian-American women interviewed reported experiencing racism as children through bullying and teasing. As a result, they suffered from low self-esteem, depression, poor body image, eating disorders and other feelings of self-hatred.

Empowering Our Children to Stand Up for What’s Right

As parents, the most impactful thing we can do is to prepare and empower our children to react appropriately when tough situations arise. By teaching our children to address these situations calmly and assertively, we put the power back into their hands. It’s important for children who experience racism to understand it’s not their fault.

[See: How to Be a Good Listener.]

By learning to confront the situation with calm assertiveness, and openly sharing their experiences with friends, authority figures and family, not only will our kids feel empowered, but they will also learn positive, non-violent ways to deal with negative situations. This will give them the confidence to stand up for themselves and those around them to ensure a better, brighter future.

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Talking to Your Children About Racism 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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