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How Caregivers Can Find Relief Beyond the Golden Rule

Caregivers try to follow the Golden Rule in order to show compassion for loved ones, but it’s not enough. Caregiving can be exhausting at times and sap the energy of a saint. Sometimes, there’s little compassion to be found. Yet, there is one way to recapture those idyllic, initial “can-do” feelings of being able to unconditionally love and care for a loved one. Instead of stopping with the Golden Rule, take one more step.

Personal Background

First, a brief personal history. I was raised as the youngest of three in a highly competitive household. I didn’t see the value in competing against others. Instead, I worked at bettering my own life and career. Opting to leave home at age 18, I focused on my education. After graduate school, and still in my 20s, I consulted for corporate America, helping employees improve productivity through stronger collaborations and task efficiencies. Fast forward to my mid-30s: My career is taking off, and my father is also showing increasing signs of dementia. I had to choose between ignoring him or stepping up to care for him.

[See: 14 Ways Caregivers Can Care for Themselves.]

Throughout our lives, we learn lessons. For me it was learning how to care for a dependent human being. My husband and I don’t have children, unless you count four cats over 25 years and five Godsons. Faced with few options at the time, we decided to care for my father and moved him from his home in Wisconsin to our California home.

Who Me — a Caregiver?

Having my father in our home initially felt like two buddies catching up after 19 years apart. We cruised California’s roads in my Miata convertible. On weekends, my husband, father and I drove to the mountains, walked through California’s poppy fields and enjoyed the ocean waves along Ventura’s Harbor or Long Beach. My father’s dementia symptoms were mild at first and I often thought he might return to his Milwaukee home.

Me — a Clueless Adult Child

I realized I was out of my element. I needed to learn a lot — and fast. Except, I didn’t even know what questions to ask. Fortunately, a former co-worker and dear friend guided me while she cared for her father who had dementia.

One thing I couldn’t figure out was why my father was declining while living with us.

[See: How Music Helps People With Alzheimer’s Disease.]

He was eating homemade meals three times a day. In Milwaukee, he’d miss his home-delivered meals because he wouldn’t hear the doorbell or the knock on the door. He enjoyed being showered with attention during our social events and even some business gatherings. In Milwaukee, he went to community events alone and returned alone. That’s how he lost his car. He forgot he drove and returned home by bus. In our home, he slept in a warm, comfortable bed with clean flannel sheets and a down comforter. I don’t want to even guess the last time he changed his bed sheets while on his own. It may have been years! Same with his clothing. One year, when I visited him in March and then in August, I discovered he had not washed his shirt and pants at all. While he lived with us, he had on new clean clothes and showered every other day. The hair stylist even came to our home to cut his hair.

Not having a clue, but being curious (a trait I inherited from my father), I asked a lot of questions. I learned that his dementia was progressing because he felt safe with us. He was relaxing and not trying so hard to find his way in the world. PHEW! Despite our efforts to care for him the best we could, he was declining. A bittersweet reality.

The Diamond Tip for Caregivers

I realized then that to be a successful caregiver (just to survive and maybe thrive), I’d have to learn more about my father’s disease (later diagnosed as Alzheimer’s). I read as much as I could, participated in online and in-person support groups, and asked a lot of questions of the experts and primary caregivers. The layers of knowledge built upon one another until I was able to enter his world and care for him.

During those stressful moments, when he woke me for the third time in one night, I wondered what it would be like to be confused. What would it feel like to want to go to “work” (adult day care) when it was still dark out at 3:30 a.m.? What would it feel like to wonder when my spouse is coming home (“Do you know when Ma is coming home?”), even though she died four years earlier?

[See: Easy Ways to Care for Your Aging Brain.]

When you learn as much as you can about your loved one’s disease or illness and then place yourself in his or her shoes, a pivotal change occurs in the way you care. For one, you understand what is happening from his or her point of view. This is especially useful during those stressful moments described by a dry-humored nurse caregiver as her mom stepped her last nerve. If you can catch yourself before “losing it,” you’re able to understand how the disease causes your loved one to behave and feel. You imagine what it would feel like if you were in his or her place and how you’d need kindness and understanding.

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How Caregivers Can Find Relief Beyond the Golden Rule 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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