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How to Talk to Kids About Sexual Harassment

A 14-year-old girl is asked to send a topless picture to a male peer on a popular social media platform. Believe it or not, she’s prepared for this. She and her friends talk about this “obsessively,” and they all agree to say no if they receive such a request. They promise to support each other and stand up to the boys making these requests.

What she isn’t prepared for is what comes next. The “slut shaming” begins the very next day. The boy’s peer group turns on her and take turns calling her every possible sexualized word you can imagine. This is the first she’s hearing of most of these words, and she’s embarrassed both by the harassment and the fact that she feels like the only person in her small school who doesn’t seem to understand the context.

What’s worse, her girlfriends — who had promised to stick together — join forces with the boys. She feels alone, but doesn’t tell her parents. She’s sure they’ll think she did something horrible to live up to her newfound reputation.

[Read: Teen Dating Violence: What Parents and Teens Should Know.]

What may sound like a middle school horror story happens more than you might think. Sadly, research shows that at least 1 in 4 middle school students say they’ve experienced verbal or physical sexual harassment at school.

It’s frightening to think that misogyny and sexual harassment are the new normal in middle school, but it only gets worse from there.

New findings from the Making Caring Common Project of the Harvard Graduate School of Education show that 87 percent of women between the ages of 18 and 25 have experienced at least one of the following forms of sexual harassment thus far in their lifetime: being catcalled, being touched by a stranger without permission, being insulted with sexualized words by a man or a woman, having a stranger say something sexual to them or having a stranger describe them as “hot.”

Making Caring Common surveyed over 3,000 young adults and high school students to gain a better understanding of young people’s romantic and sexual experiences. Despite the fact that sexual harassment appears to be pervasive among young adults, researchers found that 76 percent of respondents had never had a conversation with their parents about how to avoid sexually harassing others. The good news in all of this is that a large majority of young people (70 percent) want to know about the emotional aspects of romantic relationships.

So the burning question among parents shouldn’t be, “When do we have the talk about safe sex?” but “When and how do we teach our kids about developing healthy romantic relationships and preventing sexual harassment?” While there’s no perfect script for striking up a conversation about these tricky matters with your kids, consider discussing these topics:

Reflect on the many forms of love. Adults and young people can have very different understandings of the meaning of love. Teens, for example, might perceive intense feelings or an inability to stop thinking about someone as indicators of love, where adults are more likely to focus on long-term relationships and togetherness.

Talk about how love can mean different things to different people, including differences across cultures. Become love detectives together to explore the many forms of love that exist in the world. Share your own experiences to explain how love can change and grow over time.

Talk about healthy and unhealthy relationships. Teens are under a lot of pressure, and romantic relationships come with a learning curve. Without proper guidance and information, teens might not know whether or not they’re in a healthy relationship.

Talk to your teen about the meaning of mutual respect and the fact that it’s perfectly normal for relationships to ebb and flow. Teen dating is often romanticized or dramatized in the media, and that makes it difficult to understand what’s healthy versus what’s unhealthy. A simple question to start the conversation might be, “Does this relationship make you feel better or worse, happier or more stressed?” It’s important to teach teens that romantic relationships can be empowering, loving and caring, but they can also cause stress and lead to arguments.

[Read: 5 Reasons Teens Sext.]

Define sexual harassment. I find that neither girls nor boys understand the meaning of sexual harassment. They don’t understand that both girls and boys can be sexually harassed, and that sexual harassment goes beyond unwanted touching.

Talk about the many ways sexual harassment manifests, including the following:

— Verbal harassment, including comments, rumors, catcalls or jokes

— Cyber harassment — posts on social media, text messaging and email

Physical harassment, such as unwanted touching or kissing

— Nonverbal harassment, including gestures, writing sexually explicit things about someone

— Unwanted behavior, such as repeatedly asking someone on a date when they’ve said no, following or stalking

Once you’ve helped your child understand what sexual harassment looks like, talk to them about ways to handle it. Here are some examples of what kids can do:

— Call it what it is. Use the words “sexual harassment,” not “bullying.”

— Tell a trusted adult.

— Jot down notes, including the time of day, the place it occurred and other people present.

— Report it to the school.

[See: 10 Ways to Broach the Subject of Sex With Your Teen.]

One thing kids need to learn early on as well is to speak up when they see sexual harassment occur. Just because it isn’t happening to your child doesn’t mean it isn’t happening. When parents and schools create a culture of caring by encouraging kids to look out for one another and get help for each other, kids learn to lead with integrity and stand up to negative behaviors.

More from U.S. News

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How to Talk to Kids About Sexual Harassment 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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