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The New Sex Talk: 3 Tips to Get You Started

The summer before I started high school, unbeknownst to me, my mother tasked my father with giving me the “sex talk” on a six-hour road trip.

I had never kissed a boy, or seen an R-rated movie. We didn’t have the Internet yet. I didn’t know that people have sex for pleasure; that would be weird and gross. I honestly thought that sex was something adults did only a couple of times in their lives in order to have children.

About 20 minutes before we arrived at our destination, my dad said something like this: “Now that you are going to high school, boys are going to try to get you on the rack. Especially the older boys. Just say no.”

I gazed out at Highway 33, near Ojai, California, where ugly oil derricks were dunking their heads below the earth. Our old white Wagoneer was making a weird noise. I had no idea what my dad was talking about. Drugs, maybe?

“Don’t worry, Dad. I’ll say no,” I replied, still looking out the window.

One Thanksgiving dinner 22 years later, my dad used the phrase “he’s going to try to get her on the rack” again. The memory of that road trip when I was 14 years old came flooding back, and I finally realized what my dad was talking about all those years ago. I threw my head back and guffawed. My stoic German mother, usually highly composed, came undone when I told her why I was laughing. Two decades later, she was furious that no one had ever really talked to me about sex.

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

Needless to say, I’ve tried to be a bit clearer in discussing the birds and the bees with my own children, all teenagers now. Experts say kids do better when parents start talking to kids about the basic biology of sex when they are very young — as toddlers.

This post is for parents of kids who are starting to be exposed to the more complicated aspects of sexuality: pleasure and romance, unplanned pregnancy, “hooking up,” heartbreak — even prostitution and pornography. Most kids will learn about puberty, pregnancy and sexually transmitted diseases from their school’s sex ed program. But any kid who has ever seen even a fairly chaste romance movie knows that there’s a lot more to adult — and adolescent — sexuality than is taught formally at school. Part of the trick as a parent these days, I think, is in knowing what our kids are being exposed to at any given age. Here’s how to get started:

1. Ask questions and listen rather than simply sharing information. Here are some starter questions, which you’ll obviously have to modify based on the age and experience of your child:

— “Do you know anyone who has watched porn? Where did they see it? How do you think it affected them?”

— “What does it mean to ‘hook up’ among your friends?”

— “How many of your friends are sexually active?” Or: “Do you think any of your friends are sexually active yet?” You could also ask if any of your child’s friends have kissed a boy or girl.

Brace yourself, and keep your best poker face on. Instead of instructing, just keep asking follow-up questions, such as “What do you think of that?” and “How does that make you feel?” If they tell you something concerning about a friend, inquire further. “Are you worried about her?” Or: “Do you think he needs help?”

Deal with discomfort by breathing deeply and slowly — not by preaching or avoiding the conversation. If we don’t stay relaxed, our kids will only remember that we nearly choked every time we tried to talk to them about sex. This will not make them likely to come to us when they have a pressing question or — heaven forbid — a serious problem in the sex department.

[Read: How to Talk to Your Children About Consent and Sexual Assault.]

2. Foster closeness with your teen. Research shows that adolescents who have better relationships with their parents tend to have a lower likelihood of “early sexual intercourse initiation.” On the other hand, the same study showed that lower relationship quality and less parental monitoring increased the odds that a teen would initiate sex.

I try to spend a little bit of time every day alone with each of my kids, so that they always have a time when they know they can talk to me about their lives. We also have same gender “date nights” when I’ll take one of our daughters out to dinner and my husband will take our son out separately.

3. Don’t preach abstinence-only and forgo sharing other relevant information. Refrain from keeping kids in the dark about birth control and protection against sexually transmitted diseases, even if you believe abstinence is the best thing for your children.

Many parents fear sending a “mixed-message,” and so the only message they send is that sex before marriage is not OK. But research clearly shows that teens in abstinence-only education programs are no more likely than those not in an abstinence-only program to delay sexual initiation, have fewer sexual partners or abstain entirely from sex.

In other words, telling our children to remain abstinent doesn’t increase the odds that they will delay becoming sexually active, but it does deprive them of our guidance about sex. Instead of “just say no,” give your kids guidelines for their sexual behavior while still giving them the information they need.

What do you most want your teen to know about sex? What are your expectations for them? You can give them information and still send a very clear message about what you think is best for them. Here is what I said to my kids once they got into high school: “I feel strongly that having sex while you are still a teenager is not likely to be in your best interest. That said, I want you to have information about birth control and STD protection, so that someday, when you are ready to have sex, you will be better prepared to prevent an unplanned pregnancy or disease.”

This new sex talk isn’t a lecture — mostly given to girls — but a series of short conversations that we have with our sons and daughters. Kids need our wisdom about how to know when they are ready for sex, and our advice on birth control. They need to talk to us about what they are seeing in the media, and how they experience their own sexuality. We need to talk to them about the pornography they’ve been exposed to. And they can benefit from hearing about our own experiences, both good and bad.

[See: 10 Concerns Parents Have About Their Kids’ Health.]

Just as we need to teach kids how to take care of their physical and emotional health, we parents need to teach our teens how to be healthy sexually. It’s hard to talk about sex with kids. It’s also the right thing to do. If you feel like you’re going to chicken out, simply take a deep breath. Feel your feet on the floor. You can do it.

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The New Sex Talk: 3 Tips to Get You Started 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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