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Depression Risk: How It Differs for Men and Women

News flash: Men and women are different. OK, so that’s not really news — except in some corners of the world of medicine. Researchers are developing a growing understanding of how sex plays a role in many diseases, including depression.

It has long been known, at least statistically, that women are nearly twice as likely as men to be diagnosed with depression. Now, science is beginning to uncover why. It may start with brain structure. “Male and female brains have differences,” says Dr. Jerrold Rosenbaum, professor of psychiatry at Harvard Medical School and psychiatrist-in-chief at Massachusetts General Hospital. “Some psychiatric disorders are more prevalent in men, like autism and schizophrenia, while depression and anxiety are more common in women. This is presumed to reflect biological differences in brain organization.”

Those differences are likely triggered by the hormones that generate sex, specifically estrogen and testosterone. Sex differences begin in the earliest months of life — during gestation. Studies have found differences in vulnerability to stress, which is known to play a role in depression, between male and female fetuses, Rosenbaum says. “Females are more vulnerable to stress in utero, and more vulnerable to depression post-puberty,” he says.

Hormones are further implicated by the fact that the rates of depression are roughly equal among males and females both before puberty and after menopause. It is during the hormonally charged years of puberty, childbearing and menopause that women are more likely to develop depression.

“There is a different hormonal milieu for women, and those fluctuations in sex hormones appear to confer some risk,” says Dr. Steven C. Schlozman, assistant professor of psychiatry at Harvard Medical School and associate director of The Clay Center for Young Healthy Minds.

“The fact that the ratio seems to lessen around menopause provides more evidence for a hormonal explanation.”

[See: 11 Changes Women Go Through in Menopause.]

The Risks of Being Female

Hormones can’t take all the blame. Other biological factors, such as a family history of mental illness and exposure to traumatic events, are other risk factors for developing depression. Males also have hormone surges in puberty and may go through “manopause” later in life as testosterone levels naturally drop. But female hormones fluctuate more, and more often.

The onset of puberty brings with it the potential for premenstrual syndrome, or PMS. The Mayo Clinic says that PMS symptoms such as bloating, breast tenderness, headache, anxiety and irritability also may include a short-lived bout of “the blues.” However, PMS can worsen into premenstrual dysphoric disorder, a form of depression that needs to be treated.

Pregnancy and its related hormonal changes also can have an impact on mood. So can other pregnancy-related stresses, such as changes in lifestyle or work, relationship difficulties, a pre-pregnancy history of depression and an unintended or unwanted pregnancy. Fertility problems present another set of challenges.

Risk for depression rises after the baby is born. Postpartum depression — which is more than the “baby blues” that many new mothers experience — is a serious medical condition that occurs in about 10 to 15 percent of women, the Mayo Clinic reports. Along with the typical depression symptoms, postpartum depression may cause the following:

— Low self-esteem.

— Feeling like you’re a “bad mother.”

Anxiety.

— Feeling “numb.”

— Sleep problems beyond the normal newborn disruptions.

— Inability or lack of desire to care for the baby.

— Thoughts of harming your baby or yourself.

At menopause, the lowering of estrogen levels puts women at risk for depression. Paradoxically, there is some evidence that, although estrogen fluctuations may be a risk factor, estrogen itself offers a protective effect against depression, Rosenbaum says. “As women go through menopause, the risk of depression increases as they lose those protective effects of estrogen,” he says. “That is also true when women stop estrogen replacement therapy.” Once hormone levels stabilize, women and men exhibit comparable rates of depression.

[See: Coping With Depression at Work.]

Different Triggers, Different Responses

According to a study in the Journal of Psychiatry & Neuroscience, triggers for depression also appear to present themselves differently in men and women. A study of fraternal twins, for instance, found that women were more sensitive to interpersonal relationships, while men were more sensitive to external factors such as careers and goals.

Along with hormones, there are other differences in how depression may be triggered in men and women. “There are more social determinants, like different pressures and expectations, on women,” Rosenbaum says. “There is also a greater risk of exposure to emotional trauma, particularly sexual abuse.” Other social stresses, including domestic violence, economic vulnerabilities and family pressures weigh more heavily on women. “While we are evolving to be more balanced in terms of expectations and support, society still obviously has some gender bias,” he says.

Other factors in sex difference include thyroid disease, which carries a risk of depression and is more common in women. In addition, females metabolize medications differently than men, Rosenbaum says. “Dosages need to be adjusted for certain drugs. That is something to pay attention to,” he says.

Men and women also differ in the most dangerous fallout from untreated depression. Women attempt suicide more often than men, but men are more likely to complete the act, he says.

[See: 9 Things to Do or Say When a Loved One Talks About Taking Their Life.]

Despite these obvious differences in causes, both men and women are treated in similar ways. “By and large, treatment approaches are the same for both sexes, though we may learn that we can do better than that,” Rosenbaum says. It may be that women respond more to treatments that include interpersonal therapy that emphasizes social connectedness, while men are better suited to other forms of psychotherapy, he says, “but there is not a lot of evidence to support that.”

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Depression Risk: How It Differs for Men and Women 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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