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It’s Melanoma Awareness Month: Know Your Risks and Get Screened

The incidence of melanoma of the skin, the most commonly fatal form of skin cancer, is increasing faster than any other potentially preventable cancer in the U.S. It is the fifth leading cancer in men and the sixth in women.

Melanoma commonly starts as a mole and changes shape and color over time. It’s one of three types of skin cancer; the others are basal and squamous cell skin cancers. Melanoma comprises only 4 to 5 percent of all skin cancers but results in the majority of deaths from skin malignancies.

Melanomas can develop anywhere on the body. Most commonly, melanoma begins in the skin (cutaneous melanoma), but it may also occur in areas of your body with little or no sun exposure, such as the spaces between your toes and on your palms, soles, scalp, genitals, eye, mouth, digestive tract and urinary tract, as well as under the nails. We’ll focus on skin (cutaneous) melanoma. In men, it’s often found on the trunk or the head and neck; in women, it often develops on the arms and legs.

[See: 8 Ways to Stay Hydrated This Summer Without Drinking Water.]

The American Cancer Society estimates 87,110 new melanomas will be diagnosed in the U.S. in 2017, and about 9,730 people are expected to die of melanoma. If you know your risk factors and get regular screenings, early detection can help save your life.

Risk Factors

Melanoma is more than 20 times more common in whites than African-Americans. And the risk increases as people age; average age of diagnosis is 63. But melanoma isn’t uncommon even among those younger than 30. In fact, it’s one of the most common cancers in young adults (especially young women). Unusual moles, exposure to sunlight and health history can affect the risk of developing melanoma, but keep in mind that it can occur in any ethnic group, as well as in areas of the body without substantial sun exposure.

Risk factors for melanoma include:

— Positive family history of melanoma

— Prior melanoma

— Multiple atypical moles or dysplastic nevi (often these are large and raised, with poorly defined borders and uneven colors)

— Light complexion or fair skin that freckles and burns easily

— Sun exposure

— Ultraviolet exposure from tanning beds, especially with use before the age of 35

— History of many blistering sunburns as a child

[See: Summer Workouts: How to Handle the Heat.]

Signs of Melanoma

Possible signs of melanoma include a change in the appearance of a mole or pigmented area. These are often called the ABCDEs of skin cancer detection. A doctor should be consulted if any of the following occur:

? Asymmetry. One half can look different than the other half.

? Border. It can have a jagged or uneven edge.

? Colo. It can have different colors.

? Diameter. It’s larger than the eraser on the end of a pencil.

? Evolution. Its size, color or shape can change over time.

Screening

Screening examination of the total skin surface can increase the likelihood of detecting melanoma six-fold compared with partial examination. If a mole or pigmented area of the skin changes or looks abnormal, the following tests and procedures can help detect and diagnose melanoma:

Skin examination: A doctor checks the skin for moles, birthmarks or other pigmented areas that look abnormal in color, size, shape or texture.

Biopsy: If your doctor is concerned about a particular mole, a biopsy will be performed, in which all or part of the growth is removed, usually under local anesthetic. A pathologist then looks at the tissue under a microscope to check for cancer cells.

Total body skin examination for melanoma requires a source of bright light and, ideally, a magnifying lens and a dermatoscope for trained health care providers. Total body skin examination should be part of a dermatologist consultation. A dermatologist can use a special handheld lens, called a dermoscopy (or dermatoscopy), to better view a pigmented area. This technique can improve melanoma detection.

Total body skin examinations can also be integrated into a routine physical examination by adequately trained primary care providers.

Guidance

The American Academy of Dermatology provides guidance for dermatologists to hold public skin cancer screening and education events. They also encourage everyone to perform skin self-exams to check for signs of skin cancer, and they recommend a skin exam from a clinician. Dermatologists can make individual recommendations as to how often a person needs these exams based on risk factors, including skin type, history of sun exposure and family history.

[See: Your Guide to Stylish Sun Protection.]

When it comes to melanoma and other forms of skin cancer, prevention and early detection can save your life. Use sunscreen daily, limit your exposure to UV rays, wear protective clothing, avoid tanning beds and lamps and examine your skin regularly for any new skin growths or changes in existing skin lesions.

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It’s Melanoma Awareness Month: Know Your Risks and Get Screened 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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