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Don’t Get Eliminated From Your Job Hunt — Without Knowing It!

It’s tough enough to find a job today without having to battle through obstacles you might not even know exist, but it could happen to you, as employers are increasingly using filters and machines to screen candidates.

A perceived challenge with these filters and machines when selecting candidates is that they might prevent employers from identifying the best workers for open positions — but even in a tight job market, this isn’t curtailing their use.

[See: 7 Excellent Sales and Marketing Jobs for 2017.]

Here are three major filters employers are using that you need to be aware of — and how to potentially deal with them.

1) Your social media profile is an open book. Don’t fall victim to the following mistake. You’ve deeply researched your potential new role but you forgot to clean up your social media profile. That questionable party photo or controversial, swear-laden political tweet could very well be the reason why you weren’t considered for the position.

Using machines and artificial intelligence, many employers are conducting social media scans of their prospective hires. Before you start applying for jobs, take a good, clear-eyed and dispassionate look at how you present yourself online. You might even have a friend or colleague (whose judgment you trust) do a review for you.

And while you’re at it — make sure your LinkedIn profile is up to date and you’ve got a professional photo showing. Unless you are in a highly creative field, the glamour shots and unorthodox poses just don’t work on a more serious, job-oriented platform. You run the risk of making an impression that doesn’t help your case.

2) Employers are prying into your salary history. This can put you in a very unfair position as a job seeker. Plus — it’s uncomfortable and awkward. As the person selling yourself and your skills, you want to ideally be in the best possible position to secure fair compensation.

The good news on the salary front is that several cities and states, such as Massachusetts, New York City, Philadelphia and New Jersey, are now exploring new laws (or have already passed laws) that would prevent employers from asking about pay history.

But until it’s a thing of the past everywhere, it pays to be aware that you may very likely be asked about your past salary history, and that employers can use it as a “hidden screen” when considering you for a job.

[See: 10 Ways to Perfect Your Personal Brand.]

3) Employers might call references you don’t even realize they’re contacting. Beware the backdoor reference check!

This is what happens when your potential employers go outside the set of references you shared to talk to others you’ve worked with. More often than not, this will work out fine for you … but not always. The possibility exists that an employer finds that one boss or colleague — often through social media — who you didn’t leave with the best of impressions.

Here are some of the ways to deal with the problem of backdoor references:

— Be aware that backdoor references are a real phenomenon.

— Take a careful look at your social networks and cull them down if needed — eliminate the wild cards.

— Check in with former managers who may not be your references but you suspect could be contacted, just to get a feel for where you stand.

— If you think you could be asked about an issue raised by a backdoor reference — be prepared with a rehearsed response.

— Concentrate on developing a list of stellar “real references” who can tell your story well.

[See: Tips for Surviving a Career Transition.]

So with all of these external factors suddenly and unpredictably influencing your job search, what can you do?

The burden falls even more to you. It’s up to you to paint the most accurate picture of yourself across every step of the application process.

Develop a top-quality resume. Make sure you have well-researched and prepared interview interactions every time. And build up a list of great job references. Your references can speak on your behalf even better than you can for yourself. They can overcome the inaccuracies and misperceptions that any of these external “job filters” might inject into the discussion.

No matter what screens an employer may try to use, there’s no screen than can undo the positive influence of the factors you control yourself during your job hunt. So make the most of them.

More from U.S. News

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10 Reasons to Quit Your Job Already

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Don’t Get Eliminated From Your Job Hunt — Without Knowing It! 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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