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Talking to Your Children About Tragedy

On Tuesday, in Manchester, England, a suicide bomber killed 22 people and injured many more during an Ariana Grande concert. Many of the concert-goers were tweens and teens. The youngest victim was an 8-year-old girl.

As many struggle to come to terms with the tragedy, kids as well as parents grapple with their own concerns and fears. It’s challenging for parents to know where to start in talking about this with kids. As investigation continues into the bombing, there are no easy answers or simple reassurances that can be given.

[See: 10 Concerns Parents Have About Their Kids’ Health.]

Still, it’s important to recognize that how you, as the parent, talk to your kids about tragedy can help them process it. Here are a few things to keep in mind:

Be honest. Cut through the misinformation. Spend time together with your children to learn what’s happening from reliable news sources. Talk about what you know that is also age-appropriate to share, and have open discussions about what your kids know as well.

Answer what is being asked. We, as adults, sometimes have a tendency to talk about things too much, especially if we are feeling overwhelmed or scared ourselves. Instead, really listen to the questions being asked and answer them as they come up. Keep it simple.

Children process things in different ways. A 9-year-old will not process information the same way as a 16-year-old. Be mindful of these differences and make sure to talk about things in an age-appropriate way.

[Read: Talking to Kids About Scary News.]

Validate worries and concerns. Worry and fear stemming from tragedy are normal and understandable. Every child will have a different reaction. Recognize that your child’s feelings are valid, and provide support.

Decrease exposure to media. We are bombarded with information, from television, social media and newspapers. While your children may have access to mobile devices, it’s important to control their exposure, including in your own home, so kids aren’t overwhelmed by the constant barrage.

Work to promote understanding and safety. Risks are an inherent part of life. However, it’s also important to talk about ways to be safe as a family. In this case, talk about what you would do if you got separated at a concert. Have a plan of action. Discuss where you would meet or who you would call. Talk about specific strategies for staying safe, while being careful not to fixate on worst-case-scenarios that could increase kids’ fears. For perspective, talk about how — more times than not — the world is a safe place.

[See: How to Be a Better Listener.]

Be present and listen. When tragedy strikes, be prepared to have an ongoing conversation, rather than expecting to talk about it only once. Your child may ask questions at random times and when you least expect them. Take a deep breath and answer as best you can.

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Talking to Your Children About Tragedy 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. 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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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