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The 6 Best Places to Shop in San Francisco — Locals’ Picks

Travelers visiting San Francisco will find the city has no shortage of shops offering a variety of styles. Whether you’re hunting for home decor, name-brand clothing or locally crafted gifts to take home, there’s a neighborhood that has what you’re looking for. U.S. News tapped local experts to suggest six areas that cover every shopper’s need.

Fillmore Street

This leafy street is the place to come for a day of leisurely retail therapy or a head-to-toe makeover. Between Sacramento Street and Geary Boulevard, you’ll find beautiful boutiques featuring chic California styles set amid high-end cafes and restaurants. At Freda Salvador, modern handmade leather shoes line the shelves. Sunhee Moon highlights colorful, effortless ready-to-wear clothing manufactured in San Francisco. And Credo Beauty sells quality organic skincare products. Bright, bold patterns make home decor stand out at Jonathan Adler‘s Fillmore outpost.

[Read: The Best Hotels in San Francisco.]

But Fillmore Street is much more than a commercial district, as the neighborhood is full of residential Victorian architecture, and every summer, the Fillmore Jazz Festival turns this street into a dance party.

Westfield San Francisco Centre

“Make it a whole day — good restaurants, the spa, a movie and shopping,” says Andreas Rippel, chief concierge at the Four Seasons Hotel San Francisco. “And the dome is gorgeous.” It’s true: A trip to the Westfield San Francisco Centre is worth it even if just to see the opulent sunlit dome. But, there is much more to this unconventional mall that will beckon you. More than 180 name-brand, luxury and obscure stores fill the sleek multilevel space, from beauty to bags, fashion to fitness and toys to electronics.

When you need refueling, the mall offers options that far exceed typical food court fare, like M.Y. China, which serves coveted hand-pulled noodles and world-class dim sum.

The Mission District

“The Mission is great for more trendy stuff and local shops,” says Jennifer Kirkland, guest services manager at the Inn Above Tide. “At any of these areas, you can stop and talk to the shop owners.” Valencia Street is a haven of trendy urban shops featuring products made by local artisans and works by artists, fused with quirky vintage stores. Little Paper Planes is a shop founded by a group of art school grads who wanted to sell their wares. Now, it’s a favorite gift shop that offers a special residency program for artists and designers.

[Read: 5 San Francisco Neighborhoods to Discover on Vacation.]

Down the street, Aggregate Supply is a popular men’s and women’s shop that features urban clothes, backpacks and unique home decor. Paxton Gate is a must-see: This curiosities shop is stocked with vintage stuffed and mounted animals, bones, shells and house plants.

Hayes Valley

“San Francisco’s neighborhoods are small, so don’t expect more than a handful of shops in any one place. Hayes Valley has about three blocks of great shops,” says Keith DiBene, chief concierge at Hotel Vitale San Francisco, A Joie de Vivre Hotel. For its small size, it packs a mighty punch when it comes to shopping options. Hayes Valley is the window-shopping hub of San Francisco. This small Instagrammable neighborhood is lined with photogenic window displays and intimate shops.

Timbuk2 is a beloved San Francisco staple, founded by a bike messenger in 1989. Now, it boasts a collection of durable, fashionable, locally made bags you’ll spot people carrying throughout the city. Contemporary home design stores like Minimal showcase the neighborhood’s stylish taste in modern decor — something also reflected in clothing shops like Acrimony.

Union Square

When visitors think of shopping in San Francisco, usually Union Square is the first thing that comes to mind. The iconic 2.4-acre public plaza dates back to the planning of the city in the mid-1800s, when it was the site of Civil War-era rallies for the Union.

Today, Union Square is the city’s largest shopping district, filled with theaters, art galleries and restaurants. Large flagship storefronts line the busy streets and bustling sidewalks: Heavyweights like Macy’s, Saks Fifth Avenue and Tiffany & Co. are closest to the square itself, but branch out and you’ll find local hidden gems.

“Union Square is where the cluster of department stores is, but around the corner, Post Street has more upscale shops like Gump’s — our local department store that’s been there for many years,” says Tom Wolfe, chief concierge and director of heritage at the Fairmont San Francisco. Gump’s San Francisco is a bit of a local legend. Established more than 150 years ago, it features an impressive collection of eclectic fine jewelry, accessories and housewares.

[Read: 6 Can’t-Miss San Francisco Museums.]

Rippel has another suggestion: “Go high-end at Grant Avenue between Market and Sutter. It’s like the new Rodeo Drive of San Francisco.”

Chestnut Street

On the northern edge of San Francisco, the Marina District attracts a young crowd with its affordable, but stylish, shops. This is where you’ll see neighbors out for a stroll with their dogs, en route to a popular restaurant for weekend brunch. Many of the stores specialize in weekend and recreational attire, complementing the laid-back vibe of the Marina neighborhood.

Marine Layer is known for its super-soft T-shirts made from recycled beechwood, but it also has plenty of other beachwear styles, like swimsuits, shorts and dresses, for men and women. If you’re looking to fit in, this is where to pick up some threads before heading to Ocean Beach.

Shopping at the hip Taylor Stitch is a great way to support a small local store. There, you’ll find high-quality, sophisticated closet essentials for men and women, including outerwear, shirts and slacks.

To experience more of what San Francisco has to offer, check out the U.S. News Travel guide.

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The 6 Best Places to Shop in San Francisco ? Locals’ Picks 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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