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5 Steps to Ending the Stigma Surrounding Dementia

When a loved one starts to lose his or her memory, it can be a struggle for the entire family. The person who has been the head of the family may soon fade from the person they once were, leaving their loved ones to wonder what will come next.

Making this time even harder to handle are the numerous questions that suddenly become urgent. Do they have a will? Who has power of attorney to make decisions on their behalf? Does anyone know what is important to them? What is their full life story?

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

Far too often, families end up in this situation without anything on paper regarding their loved one’s final wishes. Talking about dementia is perceived to be so taboo that medical professionals often don’t discuss it with their patients. There’s a stigma that a diagnosis of dementia will lead to a person being treated differently, and consequently, many are left not knowing their diagnosis.

People might even hide their own struggles with memory, leaving little time to answer the important questions until it’s too late. An individual’s quality of life is vastly improved when these questions are settled and their family has the invaluable peace of mind of knowing their loved one’s wishes.

As the Baby Boomer generation continues to age, we’re on the precipice of numerous new dementia diagnoses that family members across the country will need to address. Instead of reinforcing the long-standing stigma, we must instead meet it head-on by asking five important questions.

[See: Emerging Treatments for Alzheimer’s Disease.]

1. What are the signs of dementia? Surprisingly, forgetting names of people is not a sign of dementia. Mixing up names of objects, however, is. For a more complete list of signs, check the Alzheimer’s Association’s website.

2. Does my loved one have dementia? Once you’re familiar with the early signs, consider your loved one’s behaviors. Were they once a social butterfly who has closed themselves off from the outside world? Do they have trouble answering questions like “Where are you?” Do they deflect and make a joke when they can’t answer a question? Do they put ice cream in the oven instead of the freezer? All these behaviors are signs of cognitive impairment. Some might appear obvious, but it’s surprisingly easy for people to hide their mental lapses by telling a story instead of answering your questions.

3. What do they want for their future? Upon a diagnosis of dementia, it becomes crucial to plan as soon as possible. Commit everything to paper while your loved one is still able to make their wishes known. Palliative care professionals can assist patients and their families in making these choices, such as who will make decisions on their behalf when they are no longer able. There are also financial advisors who specialize in elder care and can assist in estate planning and allocating assets to pay for an assisted living facility or in-home extended care.

4. What’s their life story? It can help a person with dementia stay cognizant if they’re asked to recount their lives. Journaling or recording a video diary can also help a family bond and commit their history to a tangible form. Every family has wonderful stories that are worth preserving, and laying out the narrative of their lives can help someone with dementia maintain their faculties a bit longer. It also helps them feel valued when being ignored is one of the biggest fears associated with a diagnosis of dementia.

5. How do they want to be treated? A major contributor to the stigma of dementia is the fear that a diagnosis will lead to a change in social status and how someone is treated. As a caregiver, I always approach a patient first when I enter the room. I make eye contact with them as well as physical contact such as touching their shoulder or shaking their hand. I ask as many questions as possible of the patient themselves to convey that they, my patient, are at the core of everything we’re doing.

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

We do all the above things when patients have a terminal illness like cancer. We know to help them plan for the future and make them comfortable in the present. But we don’t recognize dementia as a disease, so we don’t approach people in the same way. It’s time to change that and start talking about dementia and do everything we can to give our loved ones the most comfortable and peaceful life we can.

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5 Steps to Ending the Stigma Surrounding Dementia 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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